Sustaina­bility strate­gy

Sustaina­bility strate­gy

Mandatum's Sustainability Strategy is built on three key themes. These are responsible investment, sustainable insurance and compensation, and sustainable business.

Money as a driver of change – Responsible investment

In Mandatum’s view, companies that operate responsibly perform better. By investing responsibly itself, Mandatum makes better-justified investment decisions that align with its long-term sustainability and risk management objectives.

Responsible investment involves managing assets in a way that considers environmental, social, and governance (ESG) matters in investment analysis, decision-making, and reporting on investments.

Mandatum aims to both understand and account for the sustainability risks and opportunities related to its investments and to identify and mitigate the adverse impacts of its investment activities on the environment, climate, society, employees, human rights, and matters related to combatting corruption and bribery.

Targets related to responsible investment

 

Theme

Target

Metric

Emissions from investments

  • Net-zero commitment: Supporting the goal of net-zero emissions by 2050 in investments.
  • Interim target: Reducing the carbon intensity* of direct listed equities and corporate bonds by 75% by 2030, compared to the 2020 baseline.
  • Annual emissions reductions compared to the baseline year

Biodiversity risks and impacts of investments

  • Evaluating and implementing biodiversity tools, as well as assessing own direct investment products with the help of biodiversity tools.
  • Proportion of investment products for which a biodiversity assessment has been conducted

Active ownership and engagement

  • Actively promoting the development of ESG matters and reacting to detected misconducts.
  • Encouraging investee companies to set emissions reduction targets.
  • Number of ESG engagement measures
Investment products
  • New own investment products and the development of existing products support the achievement of net-zero emissions by 2050.  
  • Proportion of own direct products supporting the net-zero target

* Scope 1 and 2 Weighted Average Carbon Intensity (WACI), tCO2e / revenue of investee company, MEUR 

It all comes down to people – Sustainable insurance and compensation

Through its business operations, Mandatum strives to improve the financial security of its clients and promote responsible HR practices of its client companies.

The goal of insurance operations is to promote the wellbeing of clients through financial preparedness and wealth creation. Mandatum offers its clients options for voluntary preparedness that supplement statutory social security. Preparedness and wealth creation also generate value for society.

Mandatum actively promotes responsible compensation in Finnish companies. Responsible compensation supports companies’ success and creates wellbeing among the company’s employees.

At the core of operations is the client’s interest and needs. High-quality, accessible, and equitable customer service builds trust, supports client wellbeing, and reduces business risks. Satisfied clients are more committed, creating value for both Mandatum and its client companies.

Targets related to sustainable insurance and compensation

 

Theme

Target

Metric

Customer satisfaction

  • Transactional customer satisfaction (NPS) in accordance with the annual target.
  • NPS

Improving financial security

  • Rising trend in the insurance cover for persons insured through Mandatum.
  • Risk insurance cover

Promoting responsible compensation at client companies

  • Rising trend in commissions promoting responsible compensation.*
  • Commissions promoting responsible compensation

*Commissions and compensation solutions for the entire personnel, through which the company promotes transparent and equitable incentive schemes and sets sustainability metrics (includes the design of remuneration systems, development of sustainability metrics, pay surveys for equality plans, market salary surveys, personnel funds, and client events addressing responsible compensation).

Leading by example – Sustainable business

Responsibility for personnel

 

Responsibility for personnel and sustainable practices are part of building a successful business. The wellbeing of employees is strategically important to Mandatum, and by taking care of it, the company also enhances its operational capability and profitability.

 

Good governance

 

Sustainable business management and practices form the foundation of Mandatum’s operations. Good governance ensures that Group companies and their personnel, suppliers, and other partners comply with laws, regulations, and generally accepted principles.

Financial responsibility

 

Financial responsibility means ensuring the continuity, profitability, earnings power, and solvency of operations in all market conditions. Ensuring continuity creates the foundation for the sustainable and responsible management of clients’ insurance-related liabilities and clients’ investments and pensions for decades. That is why risk management is also a key component of the company’s financial responsibility.

 

Societal added value

 

In addition to paying taxes and creating employment, Mandatum’s services generate societal added value. Investment, insurance, and reward and compensation products and services are part of the societal infrastructure that enables the functioning of a modern society and economy.

Targets related to sustainable business

 

Theme

Target

Metric

Employee satisfaction

  • Employee satisfaction in accordance with the annual target.
  • Employee satisfaction metric

Diversity, equity, and inclusion

  • SHE Index in accordance with the annual target.
  • SHE Index

Sustainability governance

  • Sustainalytics ESG Risk Rating result falling at most into the ‘Low Risk’ category.
  • Sustainalytics ESG Risk Rating

Anti-money laundering, corruption and bribery

  • Effective practices and controls to prevent money laundering, corruption, and bribery.
  • Money laundering, corruption, and bribery incidents determined by the competent authority (incl. administrative sanctions and non-appealable judgements)

Data protection and information security

  • The completion rate of data protection and information security training for personnel is 100%.
  • The proportion of active users in the training programme aimed at improving the personnel’s preparedness is at least 90%.
  • Completion rate of data protection and information security training
  • Proportion of active users in the training programme aimed at improving the personnel’s preparedness

Creating financial wellbeing in society through profitable business

  • Improving the cost/income ratio.*
  • Cost/income ratio

Emissions from own operations

  • Net-zero commitment: Supporting the goal of net-zero emissions by 2050 in own operations.
  • Interim target: Reducing the company’s greenhouse gas emissions (Scope 1 and 2) by 42% by 2030, compared to the 2024 baseline.
  • Emissions from own operations (tCO2e)

*Related to investment and asset management income and expenses.

Mandatum's Climate Transition Plan

Mandatum's Climate Transition Plan guides the company's work aimed at climate change mitigation. It outlines the climate targets as well as the means to achieve them.

Climate Transition Plan

Mandatum's Climate Transition Plan

Mandatum's Climate Transition Plan guides the company's work aimed at climate change mitigation. It outlines the climate targets as well as the means to achieve them.

Climate Transition Plan
5.5.2026