{"id":60387,"date":"2025-12-03T08:14:12","date_gmt":"2025-12-03T08:14:12","guid":{"rendered":"https:\/\/kraftfinans.no\/sustainability\/"},"modified":"2026-09-10T12:52:51","modified_gmt":"2026-09-10T12:52:51","slug":"sustainability","status":"publish","type":"page","link":"https:\/\/kraftfinans.no\/en\/sustainability\/","title":{"rendered":"Sustainability"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60387\" class=\"elementor elementor-60387 elementor-60339\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e49ac43 e-flex e-con-boxed e-con e-parent\" data-id=\"e49ac43\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div data-dce-text-color=\"#c0b198\" class=\"elementor-element elementor-element-ba40374 elementor-hidden-mobile elementor-widget elementor-widget-global elementor-global-59639 elementor-global-1710 elementor-widget-breadcrumbs\" data-id=\"ba40374\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c683b44 elementor-widget elementor-widget-heading\" data-id=\"c683b44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Sustainability<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1dd656 elementor-widget elementor-widget-text-editor\" data-id=\"b1dd656\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We contribute to sustainable development and social responsibility<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<section class=\"elementor-element elementor-element-b891cab e-con-full e-flex e-con e-parent\" data-id=\"b891cab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t<div data-dce-background-image-url=\"https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/10\/B0041310.jpg\" class=\"elementor-element elementor-element-3c4835c e-con-full e-flex e-con e-child\" data-id=\"3c4835c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_scale_effect&quot;:&quot;yes&quot;,&quot;motion_fx_scale_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:3,&quot;sizes&quot;:[]},&quot;motion_fx_scale_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:27,&quot;end&quot;:59}},&quot;motion_fx_scale_direction&quot;:&quot;out-in&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-b54f888 e-con-full e-flex e-con e-parent\" data-id=\"b54f888\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5985eb1 e-con-full e-transform elementor-hidden-mobile elementor-hidden-tablet e-flex e-con e-child\" data-id=\"5985eb1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-180,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2736fd9 e-transform elementor-widget elementor-widget-heading\" data-id=\"2736fd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_scale_effect&quot;:&quot;yes&quot;,&quot;motion_fx_scale_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:5,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:90,&quot;sizes&quot;:[]},&quot;motion_fx_scale_direction&quot;:&quot;out-in&quot;,&quot;motion_fx_scale_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:20,&quot;end&quot;:80}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We manage your wealth<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9493e5d e-con-full e-flex e-con e-child\" data-id=\"9493e5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88eaf47 elementor-widget elementor-widget-text-editor\" data-id=\"88eaf47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXP183329666 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP183329666 BCX0\">At Kraft Finans, we want to combine competitive returns with responsible investments. Our classified funds take into account <\/span><\/span><span class=\"TextRun SpellingErrorZoomed SCXP183329666 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"SCXP183329666 BCX0\">sustainability risk<\/span><\/span><span class=\"TextRun SCXP183329666 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP183329666 BCX0\"> and <\/span><\/span><span class=\"TextRun SCXP183329666 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP183329666 BCX0\">promote environmental and social attributes where relevant. <\/span><\/span><span class=\"TextRun SCXP183329666 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP183329666 BCX0\">With these goals and the knowledge we have, we will help to positively impact society and <\/span><\/span><span class=\"TextRun SCXP183329666 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP183329666 BCX0\">reduce negative impacts.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e98657e e-con-full e-flex e-con e-child\" data-id=\"e98657e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74d0602 elementor-widget elementor-widget-text-editor\" data-id=\"74d0602\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul style=\"font-weight: 400;\">\n<li data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-usefontface=\"false\" data-contrast=\"none\">Goal 3: Good health and quality of life<\/span><\/li>\n<li data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-usefontface=\"false\" data-contrast=\"none\">Goal 8: Decent work and economic growth<\/span><\/li>\n<li data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-usefontface=\"false\" data-contrast=\"none\">Goal 10: Reduced inequality<\/span><\/li>\n<li data-aria-posinset=\"7\" data-aria-level=\"1\"><span data-usefontface=\"false\" data-contrast=\"none\">Goal 17: Working together to achieve goals<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a11a68f elementor-widget elementor-widget-heading\" data-id=\"a11a68f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our priority goals  <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9c9748 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"b9c9748\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"178\" src=\"https:\/\/kraftfinans.no\/wp-content\/uploads\/2025\/12\/kraft-finans.png\" class=\"attachment-large size-large wp-image-60383\" alt=\"Kraft Finans -\" srcset=\"https:\/\/kraftfinans.no\/wp-content\/uploads\/2025\/12\/kraft-finans.png 900w, https:\/\/kraftfinans.no\/wp-content\/uploads\/2025\/12\/kraft-finans-300x67.png 300w, https:\/\/kraftfinans.no\/wp-content\/uploads\/2025\/12\/kraft-finans-768x171.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f0831e e-flex e-con-boxed e-con e-parent\" data-id=\"8f0831e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f469af elementor-widget elementor-widget-heading\" data-id=\"0f469af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The priorities are selected and based on  <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ff0865 elementor-widget elementor-widget-text-editor\" data-id=\"9ff0865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1,\"335562766\":2,\"335562767\":0,\"335562768\":2,\"335562769\":0}\"><strong>3. <span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\" data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">Good health and quality of life<\/span><\/strong><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\"><\/span><\/h4><p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1,\"335562766\":2,\"335562767\":0,\"335562768\":2,\"335562769\":0}\"><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">One of the goals we have chosen is good health and quality of life for our employees. We want our employees to have a &#8220;<\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">good<\/span> <span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">life<\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\"> &#8211; <\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">balance<\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">&#8220;. We try to ensure that our employees&#8217; lifestyles are sustainable over time. In this way, we also believe that we <\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">can advise our customers in the best possible way, both in a short-term and long-term perspective. These measures are done by <\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">offering employees training at local <\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">fitness centers<\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">. <\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\"> Joint training sessions together, and <\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">padel<\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\"> offers <\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">. <\/span><\/p><p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1,\"335562766\":2,\"335562767\":0,\"335562768\":2,\"335562769\":0}\"><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">In addition, employees have health and medical insurance.<\/span>\u200b\u200b<\/p><h4 data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1,\"335562766\":2,\"335562767\":0,\"335562768\":2,\"335562769\":0}\"><strong><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\" data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">8. Decent work and economic growth<\/span><\/strong><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\"><\/span><\/h4><p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1,\"335562766\":2,\"335562767\":0,\"335562768\":2,\"335562769\":0}\"><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">Kraft Finans wants to promote lasting, inclusive and sustainable growth for everyone. To achieve this goal, we must have good rules <\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">that safeguard employees&#8217; rights, and someone who dares to speak up when the rules are broken. We are committed to protecting <\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">employee rights and focus on avoiding discrimination and unequal treatment.<\/span><\/p><p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1,\"335562766\":2,\"335562767\":0,\"335562768\":2,\"335562769\":0}\"><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">Kraft Finans has good routines for how to report censurable conditions in the employer&#8217;s business<\/span><span data-scheme-color=\"@000000,1,\" data-usefontface=\"true\" data-contrast=\"none\">.<\/span><\/p><h4><strong>10 less inequality<\/strong><\/h4><p>Despite the fact that Norway is a prosperous country with a well-functioning welfare state, there are significant differences between rich and poor. In order to achieve sustainable development, measures must be taken to reduce inequalities. <\/p><p>By offering tailored personal advice, both in the private market and the corporate market, we can help people make good financial choices and avoid ending up in a difficult financial position.<\/p><h4><strong>17 working together to achieve goals<\/strong><\/h4><p>To succeed in sustainable development, we need to collaborate across sectors and interests. Governments, businesses, the financial sector and civil society all have an important role to play in achieving the UN Sustainable Development Goals. In Norway, there is a strong foundation for cooperation through an open business community, high levels of trust and common goals for green transition. Kraft Finans is an active driver for collaboration and knowledge sharing in the financial industry.   <\/p><p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1,\"335562766\":2,\"335562767\":0,\"335562768\":2,\"335562769\":0}\">\u200b<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-caeafc4 elementor-widget elementor-widget-heading\" data-id=\"caeafc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sustainability policy  <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-title-color=\"#A3897A\" class=\"elementor-element elementor-element-debd970 elementor-widget elementor-widget-accordion\" data-id=\"debd970\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2331\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2331\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">EMPTY<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2331\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2331\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2332\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2332\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">1. Background<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2332\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2332\"><ul style=\"font-weight: 400;\">\n<li data-aria-posinset=\"1\" data-aria-level=\"1\">Kraft Finans AS (&#8220;the Company&#8221;) works to promote transparency, integrity, fairness and responsibility in all parts of the business &#8211; towards employees, customers, investors, stakeholders and partners. The Company creates long-term value for its customers and considers, among other things, the UN Principles for Sustainable Investment (UN PRI) and the Norwegian Corporate Governance Board (NUES). Kraft Finans recognizes that the financial industry plays a central role in the transition to a more sustainable society and in achieving the climate goals of the Paris Agreement.  <\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2333\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2333\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">2. Purpose<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2333\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2333\"><p>The purpose of this policy is to describe Kraft Finans&#8217; approach to sustainable investments, including how environmental, social and governance (ESG) issues are integrated into the business. Kraft Finans believes that good work leads to higher, long-term and risk-adjusted returns for investors by reducing unwanted risk factors and identifying profitable opportunities. The company offers its own funds that are classified under SFDR Article 6 and Article 8, and undertakes to comply fully with the regulations. The company also offers several funds through its partner Nordnet.   <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2334\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2334\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">3. Scope.<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2334\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2334\"><p>This policy applies to all activities where Kraft Finans provides investment advice, management or distribution of funds. It covers: <\/p>\n<p>&#8211; integration of sustainability risks in investment and advisory processes,<\/p>\n<p>&#8211; Product specific requirements for funds under SFDR art. 6 and 8,<\/p>\n<p>&#8211; transparency and disclosure of sustainability information.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2335\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2335\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">4. Definitions.<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2335\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2335\"><p>&#8211; Sustainability risks: Events or conditions of an environmental, social or governance nature that may have an actual or potential negative impact on the value of investments and\/or the performance of funds<\/p>\n<p>&#8211; Sustainability factors: ESG issues relevant to investment decisions and risk assessments.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2336\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2336\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">5. Ownership and responsibility<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2336\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2336\"><p>The CEO is ultimately responsible for the implementation of and compliance with the policy. The Board of Directors approves and revises the policy at least annually.   <br \/>The investment director and fund managers are responsible for ensuring that the policy is integrated into analyses, decisions and the exercise of ownership. The policy is made known to all employees and published on the company&#8217;s website. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2337\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2337\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">6.1 Integration of sustainability risk<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2337\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2337\"><p>The company identifies, assesses and monitors sustainability risks in all investment decisions where sustainability is considered relevant. This includes: <\/p>\n<p>&#8211; ongoing assessment of sustainability factors related to the investment objects<\/p>\n<p>&#8211; management of identified risks through exclusion or active ownership (both dialogue and voting at general meetings).<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2338\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2338\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">6.2 Exclusion<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2338\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2338\"><p>Kraft Finans does not invest in companies that:<\/p>\n<p>&#8211; contribute to violations of human rights or international law,<\/p>\n<p>&#8211; produces controversial weapons (nuclear, chemical, biological, cluster munitions, landmines),<\/p>\n<p>&#8211; is responsible for serious climate and environmental degradation,<\/p>\n<p>&#8211; are involved in systematic corruption,<\/p>\n<p>&#8211; are on the Government Pension Fund Global (GPFG) exclusion list<\/p>\n<p>List of excluded companies can be made available to investors upon request.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2339\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2339\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">6.3 Active ownership<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2339\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2339\"><p>The company seeks to influence companies through dialog and voting wherever possible, with the aim of improving the handling of significant sustainability factors.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-23310\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-23310\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">6.5 Good corporate governance<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-23310\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-23310\"><p>Kraft Finans only invests in companies that follow principles of good corporate governance, including responsible management, anti-corruption, transparency, etc.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-23311\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-23311\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">6.6 Skills and training<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-23311\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-23311\"><p>Employees who work with investments, advisory services or product development receive regular training in sustainability and SFDR regulations, including via external professional gatherings, courses and seminars.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c5aba42 e-flex e-con-boxed e-con e-parent\" data-id=\"c5aba42\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div data-dce-title-color=\"#A3897A\" class=\"elementor-element elementor-element-b7f5413 elementor-widget elementor-widget-accordion\" data-id=\"b7f5413\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1921\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1921\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">SITE!!<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1921\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1921\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1922\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1922\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">7. Product level  <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1922\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1922\"><p><span class=\"TextRun SCXW107003747 BCX0\" lang=\"NB-NO\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW107003747 BCX0\">Kraft Finans offers funds that report according to SFDR articles 6 and 8. The following principles apply to the reporting <\/span><\/span><span class=\"EOP SCXW107003747 BCX0\" data-ccp-props=\"{}\"> <\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1923\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1923\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">7.1 Article 6 fund<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1923\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1923\"><ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{\"335552541\":1,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"multilevel\"}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Integrates sustainability risk into the investment process or explains why the risk is not relevant.<\/span><span data-ccp-props=\"{}\"> <\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{\"335552541\":1,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"multilevel\"}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Contains required SFDR text in documentation:<\/span> <br \/><i><span data-contrast=\"auto\">&#8220;The investments underlying this financial product do not take into account the EU criteria for environmentally sustainable economic activities.&#8221;<\/span><\/i><span data-ccp-props=\"{}\"> <\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{\"335552541\":1,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"multilevel\"}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Marketing should not give the impression that the fund promotes ESG characteristics if it does not.<\/span><span data-ccp-props=\"{}\"> <\/span><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1924\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1924\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">7.2 Article 8 fund  <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1924\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1924\"><ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{\"335552541\":1,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"multilevel\"}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Promotes environmental and\/or social attributes, and documents methodology and indicators for the achievement of sustainability goals.<\/span><span data-ccp-props=\"{}\"> <\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{\"335552541\":1,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"multilevel\"}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Disclosure of any proportion of investments that are classified as sustainable investments or that are in line with the EU taxonomy for sustainable activities<\/span><span data-ccp-props=\"{}\"> <\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{\"335552541\":1,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"multilevel\"}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Report annually on the extent to which the sustainability properties have been achieved.<\/span><span data-ccp-props=\"{}\"> <\/span><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1925\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1925\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">8. Transparency and disclosure<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1925\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1925\"><p><span data-contrast=\"auto\">The company publishes relevant information about its sustainability work on its website and in reports, including:<\/span><span data-ccp-props=\"{}\"> <\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{\"335552541\":1,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"multilevel\"}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">policy for integration of sustainability risks  <\/span><span data-ccp-props=\"{}\"> <\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{\"335552541\":1,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"multilevel\"}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">SFDR classification for each product,<\/span><span data-ccp-props=\"{}\"> <\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{\"335552541\":1,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"multilevel\"}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">significant changes in strategy or methodology.<\/span><span data-ccp-props=\"{}\"> <\/span><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1926\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1926\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">9. Continuous improvement  <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1926\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1926\"><p><span class=\"TextRun SCXW25122722 BCX0\" lang=\"NB-NO\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW25122722 BCX0\">Kraft Finans is committed to continuous monitoring of regulatory changes, evaluation of internal processes and updating of the policy.<\/span><\/span><span class=\"EOP SCXW25122722 BCX0\" data-ccp-props=\"{}\"> <\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1927\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1927\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">10. Auditing  <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1927\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1927\"><p><span class=\"TextRun SCXW18862413 BCX0\" lang=\"NB-NO\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW18862413 BCX0\">The policy is reviewed at least once a year and approved by the Board.<\/span><\/span><span class=\"EOP SCXW18862413 BCX0\" data-ccp-props=\"{}\"> <\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-91516af e-flex e-con-boxed e-con e-parent\" data-id=\"91516af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d66694 elementor-widget elementor-widget-heading\" data-id=\"9d66694\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sustainability in Kraft Finans AS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-title-color=\"#A3897A\" class=\"elementor-element elementor-element-6d08ed4 elementor-widget elementor-widget-accordion\" data-id=\"6d08ed4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1141\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1141\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">EMPTY<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1141\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1141\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1142\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1142\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Our approach<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1142\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1142\"><p><span data-usefontface=\"false\" data-contrast=\"none\">At Kraft Finans as, we want to offer investments that can both provide <\/span><span data-usefontface=\"false\" data-contrast=\"none\">competitive returns and at the same time contribute to a more sustainable <\/span><span data-usefontface=\"false\" data-contrast=\"none\">development. We manage our own funds classified under SFDR articles 6 and 8, <\/span><span data-usefontface=\"false\" data-contrast=\"none\">and also offer a wide range of alternative investments and <\/span><span data-usefontface=\"false\" data-contrast=\"none\">UCITS\/Model portfolios\/ETFs. We customize our customers&#8217; preferences by <\/span><span data-usefontface=\"false\" data-contrast=\"none\">obtaining customers&#8217; sustainability preferences in the suitability assessment of <\/span><span data-usefontface=\"false\" data-contrast=\"none\">customers. Some customers have clear sustainability preferences, while others <\/span><span data-usefontface=\"false\" data-contrast=\"none\">less so. Through personal advice, we can then uncover and make <\/span><span data-usefontface=\"false\" data-contrast=\"none\">transparent assessments so that the customer can make investment choices that are in <\/span><span data-usefontface=\"false\" data-contrast=\"none\">line with their own goals.<\/span><\/p>\n<p><span class=\"TextRun SCXP33906602 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP33906602 BCX0\">We comply with EU regulations <\/span><\/span><span class=\"TextRun SpellingErrorZoomed SCXP33906602 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"SCXP33906602 BCX0\">Sustainable<\/span><\/span><span class=\"TextRun SCXP33906602 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP33906602 BCX0\"> Finance <\/span><\/span><span class=\"TextRun SpellingErrorZoomed SCXP33906602 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"SCXP33906602 BCX0\">Disclosure<\/span><\/span> <span class=\"TextRun SpellingErrorZoomed SCXP33906602 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"SCXP33906602 BCX0\">Regulation<\/span><\/span> <span class=\"TextRun SCXP33906602 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP33906602 BCX0\">(SFDR) and adapt our processes in line with applicable transparency and reporting <\/span><\/span><span class=\"TextRun SCXP33906602 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP33906602 BCX0\">and reporting requirements.<\/span><\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1143\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1143\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Our own funds article 6<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1143\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1143\"><ul>\n<li><span data-usefontface=\"false\" data-contrast=\"none\">Kraft Norge<\/span><\/li>\n<\/ul>\n<p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":0.9,\"335562766\":4,\"335562767\":10,\"335562768\":4,\"335562769\":0}\">\n<p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":0.9,\"335562766\":4,\"335562767\":10,\"335562768\":4,\"335562769\":0}\"><span data-olk-copy-source=\"MessageBody\">Takes sustainability risks into account as part of investment decisions, but does not promote environmental or social characteristics and does not have sustainability as a primary objective.<\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1144\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1144\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Our own funds article 8<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1144\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1144\"><ul style=\"font-weight: 400;\">\n<li data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-usefontface=\"false\" data-contrast=\"none\">Kraft High Yield<\/span><\/li>\n<li data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-usefontface=\"false\" data-contrast=\"none\">Kraft Nordic Bonds<\/span><\/li>\n<li data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-usefontface=\"false\" data-contrast=\"none\">Kraft Investment Grade<\/span><\/li>\n<li data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-usefontface=\"false\" data-contrast=\"none\">Kraft Obligasjon<\/span><\/li>\n<li data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-usefontface=\"false\" data-contrast=\"none\">Kraft Strategisk<\/span><\/li>\n<\/ul>\n<div data-olk-copy-source=\"MessageBody\"> <\/div>\n<div data-olk-copy-source=\"MessageBody\">Promotes environmental and\/or social characteristics. Applies exclusion criteria and positive screening, with a particular focus on climate, renewable energy, and good corporate governance. <\/div>\n<div data-olk-copy-source=\"MessageBody\"> <\/div>\n<div data-olk-copy-source=\"MessageBody\">For more information, see the PRIIPs Key Information Document.<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1145\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1145\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Other investments<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1145\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1145\"><p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1.15,\"335562766\":4,\"335562767\":0,\"335562768\":4,\"335562769\":8}\"><span data-usefontface=\"true\" data-contrast=\"none\">Through collaboration with Nordnet, we offer a wide range of equity funds. Classification <\/span><span data-usefontface=\"true\" data-contrast=\"none\">and sustainability information for these funds follows the information provided by the respective <\/span><span data-usefontface=\"true\" data-contrast=\"none\">managers.<\/span><\/p>\n<p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1.15,\"335562766\":4,\"335562767\":0,\"335562768\":4,\"335562769\":8}\">\u200b<\/p>\n<p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1,\"335562766\":4,\"335562767\":0,\"335562768\":4,\"335562769\":0}\"><span data-usefontface=\"true\" data-contrast=\"none\">Kraft Finans also offers alternative investments where Kraft Finans Corporate department is the <\/span><span data-usefontface=\"true\" data-contrast=\"none\">facilitator. In these areas, access to <\/span><span data-usefontface=\"true\" data-contrast=\"none\">sustainability data<\/span><span data-usefontface=\"true\" data-contrast=\"none\">varies <\/span><span data-usefontface=\"true\" data-contrast=\"none\">, but we assess <\/span><span data-usefontface=\"true\" data-contrast=\"none\">sustainability risks<\/span><span data-usefontface=\"true\" data-contrast=\"none\"> where relevant and adapt continuously in line with increased <\/span><span data-usefontface=\"true\" data-contrast=\"none\">reporting<\/span><span data-usefontface=\"true\" data-contrast=\"none\"> requirements <\/span><span data-usefontface=\"true\" data-contrast=\"none\">.<\/span><\/p>\n<p data-ccp-props=\"{\"335551550\":1,\"335551620\":1,\"335559683\":0,\"335559685\":0,\"335559731\":0,\"335559737\":0,\"335562764\":2,\"335562765\":1,\"335562766\":4,\"335562767\":0,\"335562768\":4,\"335562769\":0}\">\u200b<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f038641 elementor-widget elementor-widget-heading\" data-id=\"f038641\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">An overall definition<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92d9d5b elementor-widget elementor-widget-text-editor\" data-id=\"92d9d5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b><span data-usefontface=\"false\" data-contrast=\"none\">Sustainability for an investment firm<\/span><\/b><span data-usefontface=\"false\" data-contrast=\"none\"> involves integrating <\/span><span data-usefontface=\"false\" data-contrast=\"none\">environmental, social and <\/span><span data-usefontface=\"false\" data-contrast=\"none\">governance<\/span><span data-usefontface=\"false\" data-contrast=\"none\"> (ESG) considerations into all <\/span><span data-usefontface=\"false\" data-contrast=\"none\">investment and advisory processes, in line with regulatory <\/span><span data-usefontface=\"false\" data-contrast=\"none\">requirements (EU taxonomy, SFDR, <\/span><span data-usefontface=\"false\" data-contrast=\"none\">MiFID<\/span><span data-usefontface=\"false\" data-contrast=\"none\"> II), to promote long-term <\/span><span data-usefontface=\"false\" data-contrast=\"none\">value creation, mitigate <\/span><span data-usefontface=\"false\" data-contrast=\"none\">sustainability risks<\/span><span data-usefontface=\"false\" data-contrast=\"none\"> and support the transition to <\/span><span data-usefontface=\"false\" data-contrast=\"none\">a more sustainable economy.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-title-color=\"#A3897A\" class=\"elementor-element elementor-element-295792b elementor-widget elementor-widget-accordion\" data-id=\"295792b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4331\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-4331\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">EMPTY<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4331\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-4331\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4332\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-4332\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">MiFID II - sustainability preferences (2022 amendment)<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4332\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-4332\"><p><span class=\"TextRun SCXP191466518 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP191466518 BCX0\">Investment advisors shall <\/span><\/span><span class=\"TextRun SCXP191466518 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP191466518 BCX0\">map their clients&#8217; <\/span><\/span><span class=\"TextRun SpellingErrorZoomed SCXP191466518 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"SCXP191466518 BCX0\">sustainability preferences<\/span><\/span><span class=\"TextRun SCXP191466518 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP191466518 BCX0\"> and offer <\/span><\/span><span class=\"TextRun SCXP191466518 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP191466518 BCX0\">products in line with these.<\/span><\/span><span class=\"EOP SCXP191466518 BCX0\"><\/span><\/p>\n<p><strong><span class=\"TextRun SCXP52460960 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP52460960 BCX0\">Sustainability is integrated into <\/span><\/span><span class=\"TextRun SCXP52460960 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP52460960 BCX0\">suitability assessments and <\/span><\/span><span class=\"TextRun SCXP52460960 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP52460960 BCX0\">advisory process.<\/span><\/span><\/strong><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4333\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-4333\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">CSRD (Corporate Sustainability Reporting Directive)<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4333\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-4333\"><p><span class=\"TextRun SCXP265703115 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP265703115 BCX0\">Requires companies to report in <\/span><\/span><span class=\"TextRun SCXP265703115 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP265703115 BCX0\">standardized <\/span><\/span><span class=\"TextRun SpellingErrorZoomed SCXP265703115 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"SCXP265703115 BCX0\">sustainability information<\/span><\/span><span class=\"TextRun SCXP265703115 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP265703115 BCX0\"> according to <\/span><\/span><span class=\"TextRun SCXP265703115 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP265703115 BCX0\">ESRS.<\/span><\/span><\/p>\n<p><span class=\"EOP SCXP265703115 BCX0\"><strong><span class=\"TextRun SCXP95123371 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP95123371 BCX0\">Provides the information basis that <\/span><\/span><span class=\"TextRun SCXP95123371 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP95123371 BCX0\">investment firms use in their <\/span><\/span><span class=\"TextRun SCXP95123371 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP95123371 BCX0\">analysis and advice.<\/span><\/span><\/strong><\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4334\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-4334\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">The EU taxonomy (Regulation (EU) 2020\/852)<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4334\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-4334\"><p><span class=\"TextRun SCXP230699885 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP230699885 BCX0\">A classification system that <\/span><\/span><span class=\"TextRun SCXP230699885 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP230699885 BCX0\">defines what can be considered <\/span><\/span><span class=\"TextRun SCXP230699885 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP230699885 BCX0\">environmentally sustainable <\/span><\/span><span class=\"TextRun SCXP230699885 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP230699885 BCX0\">economic activities<\/span><\/span><span class=\"TextRun SCXP230699885 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP230699885 BCX0\">.<\/span><\/span><\/p>\n<p><span class=\"EOP SCXP230699885 BCX0\"><strong><span class=\"TextRun SCXP45296457 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP45296457 BCX0\">Used to assess whether <\/span><\/span><span class=\"TextRun SCXP45296457 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP45296457 BCX0\">investments qualify as &#8220;green&#8221;; investment <\/span><\/span><span class=\"TextRun SCXP45296457 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP45296457 BCX0\">&#8220;green&#8221;; investment firms must <\/span><\/span><span class=\"TextRun SCXP45296457 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP45296457 BCX0\">understand and report accordingly. <\/span><\/span><span class=\"TextRun SCXP45296457 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP45296457 BCX0\">this.<\/span><\/span><span class=\"EOP SCXP45296457 BCX0\"><\/span><\/strong><\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4335\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-4335\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">SFDR (Sustainable Finance Disclosure Regulation, (EU) 2019\/2088)<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4335\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-4335\"><p><span class=\"TextRun SCXP67406918 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP67406918 BCX0\">Requires financial institutions to disclose <\/span><\/span><span class=\"TextRun SCXP67406918 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP67406918 BCX0\">about how <\/span><\/span><span class=\"TextRun SpellingErrorZoomed SCXP67406918 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"SCXP67406918 BCX0\">sustainability risks<\/span><\/span> <span class=\"TextRun SCXP67406918 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP67406918 BCX0\">integrated into <\/span><\/span><span class=\"TextRun SCXP67406918 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP67406918 BCX0\">investment decisions and <\/span><\/span><span class=\"TextRun SCXP67406918 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP67406918 BCX0\">advice.<\/span><\/span><\/p>\n<p><strong><span class=\"TextRun SCXP22817773 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP22817773 BCX0\">Investment firms must <\/span><\/span><span class=\"TextRun SCXP22817773 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP22817773 BCX0\">disclose ESG policies, <\/span><\/span><span class=\"TextRun SCXP22817773 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP22817773 BCX0\">product classification (art. 6\/8\/9) <\/span><\/span><span class=\"TextRun SCXP22817773 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP22817773 BCX0\">and <\/span><\/span><span class=\"TextRun SpellingErrorZoomed SCXP22817773 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"SCXP22817773 BCX0\">sustainability indicators<\/span><\/span><span class=\"TextRun SCXP22817773 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP22817773 BCX0\">.<\/span><\/span><\/strong><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4336\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-4336\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Green finance \/ impact investing<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4336\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-4336\"><p><span class=\"TextRun SCXP84945492 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP84945492 BCX0\">Investments with measurable positive <\/span><\/span><span class=\"TextRun SCXP84945492 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP84945492 BCX0\">environmental or social impact in <\/span><\/span><span class=\"TextRun SCXP84945492 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP84945492 BCX0\">addition to financial returns.<\/span><\/span><\/p>\n<p><strong><span class=\"TextRun SCXP250487653 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP250487653 BCX0\">Product development and <\/span><\/span><span class=\"TextRun SCXP250487653 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP250487653 BCX0\">customer profiling.<\/span><\/span><\/strong><span class=\"EOP SCXP250487653 BCX0\"><\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4337\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-4337\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Responsible management \/ stewardship<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4337\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-4337\"><p><span class=\"TextRun SCXP75080678 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP75080678 BCX0\">Active ownership to influence <\/span><\/span><span class=\"TextRun SCXP75080678 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP75080678 BCX0\">companies towards sustainable <\/span><\/span><span class=\"TextRun SCXP75080678 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP75080678 BCX0\">practices.<\/span><\/span><\/p>\n<p><strong><span class=\"TextRun SCXP47242300 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP47242300 BCX0\">Dialogue, voting, <\/span><\/span><span class=\"TextRun SCXP47242300 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP47242300 BCX0\">reporting.<\/span><\/span><\/strong><span class=\"EOP SCXP47242300 BCX0\"><\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4338\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-4338\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">ESG integration<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4338\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-4338\"><p><span class=\"TextRun SCXP203834180 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP203834180 BCX0\">Systematic incorporation of <\/span><\/span><span class=\"TextRun SCXP203834180 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP203834180 BCX0\">environmental, social and governance factors <\/span><\/span><span class=\"TextRun SCXP203834180 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP203834180 BCX0\">in analysis and decisions.<\/span><\/span><span class=\"EOP SCXP203834180 BCX0\"><\/span><\/p>\n<p><strong><span class=\"TextRun SCXP66661303 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP66661303 BCX0\">Analysts and <\/span><\/span><span class=\"TextRun SCXP66661303 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP66661303 BCX0\">portfolio managers.<\/span><\/span><\/strong><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4339\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-4339\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Sustainable investment (EU\/SFDR)<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4339\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-4339\"><p><span class=\"TextRun BCX0 SCXP192244747\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun BCX0 SCXP192244747\">An investment in an economic activity <\/span><\/span><span class=\"TextRun BCX0 SCXP192244747\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun BCX0 SCXP192244747\">activity that contributes to an <\/span><\/span><span class=\"TextRun BCX0 SCXP192244747\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun BCX0 SCXP192244747\">environmental or social goal, <\/span><\/span><span class=\"TextRun BCX0 SCXP192244747\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun BCX0 SCXP192244747\">without significant harm to other <\/span><\/span><span class=\"TextRun BCX0 SCXP192244747\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun BCX0 SCXP192244747\">objectives, and with good corporate governance.<\/span><\/span><\/p>\n<p><strong><span class=\"TextRun SCXP67381682 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP67381682 BCX0\">Used for product classification <\/span><\/span><span class=\"TextRun SCXP67381682 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP67381682 BCX0\">(art. 8\/9 funds) and consulting.<\/span><\/span><\/strong><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-43310\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-43310\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Sustainability risk<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-43310\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-43310\"><p><span class=\"TextRun SCXP208495214 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP208495214 BCX0\">An environmental, social or <\/span><\/span><span class=\"TextRun SCXP208495214 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP208495214 BCX0\">governance-related event that may <\/span><\/span><span class=\"TextRun SCXP208495214 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP208495214 BCX0\">affect the value of the investment <\/span><\/span><span class=\"TextRun SCXP208495214 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP208495214 BCX0\">negatively.<\/span><\/span><span class=\"EOP SCXP208495214 BCX0\"><\/span><\/p>\n<p><strong><span class=\"TextRun SCXP105356516 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP105356516 BCX0\">Risk analysis and <\/span><\/span><span class=\"TextRun SpellingErrorZoomed SCXP105356516 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"SCXP105356516 BCX0\">compliance<\/span><\/span><span class=\"TextRun SCXP105356516 BCX0\" lang=\"NB-NO\" data-usefontface=\"false\" data-contrast=\"none\"><span class=\"NormalTextRun SCXP105356516 BCX0\">.<\/span><\/span><span class=\"EOP SCXP105356516 BCX0\"><\/span><\/strong><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55e0de3 e-flex e-con-boxed e-con e-parent\" data-id=\"55e0de3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83d246a elementor-widget elementor-widget-heading\" data-id=\"83d246a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PAI<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-title-color=\"#A3897A\" class=\"elementor-element elementor-element-4f9b5d4 elementor-widget elementor-widget-accordion\" data-id=\"4f9b5d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8341\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8341\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">EMPTY<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8341\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8341\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8342\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-8342\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Prinsioa<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8342\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-8342\"><p>According to Article 4 of the EU\u2019s Sustainable Finance Disclosure Regulation (SFDR), financial market participants must disclose whether they take into account the principal adverse impacts (PAI) of investment decisions on sustainability factors. Kraft Finans does not currently consider PAI at the company level in accordance with Article 4 of the SFDR and is exercising the regulation\u2019s provision to explain why. The reason is that we assess that the availability, coverage, and quality of data for the mandatory and voluntary PAI indicators in the SFDR (Annex I) is currently insufficient to conduct a consistent and reliable assessment across our portfolios.  <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8343\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-8343\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Article 6 Fund<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8343\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-8343\"><p>Our Article 6 funds incorporate sustainability risk as part of their overall risk assessment, but do not promote environmental or social characteristics and do not have sustainable investment as their objective. These funds are therefore not subject to PAI reporting. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8344\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-8344\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Article 8 Fund<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8344\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-8344\"><p>Our Article 8 funds promote environmental and social characteristics through a binding negative screening process. The screening is intended to prevent investment in issuers that fall under specified product-based or behavior-based exclusion criteria, using the published exclusion list of the Government Pension Fund Global (SPU) as the primary source. &nbsp;<\/p>\n<p>P\u00e5 produktniv\u00e5 etter SFDR artikkel 7 hensyntar disse fondene for tiden ikke PAI. Dette er begrunnet i begrensninger i tilgjengelighet, dekning og kvalitet p\u00e5 b\u00e6rekraftsdata i det nordiske rentemarkedet, s\u00e6rlig for uratede, privatplasserte og mindre utstedere. Valget om ikke \u00e5 hensynta PAI p\u00e5virker ikke den bindende negative screeningen eller de \u00f8vrige b\u00e6rekraftsrelaterte kontrollene som er beskrevet i fondenes b\u00e6rekraftsrelaterte opplysninger (SFDR artikkel 10).  <\/p>\n<p>Although the funds do not formally report on the PAI indicators, the mandatory exclusion screening captures several of the issues underlying key PAI indicators, including serious human rights violations, severe environmental damage, gross corruption, and the production of controversial weapons.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8345\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-8345\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Monitoring and the Way Forward<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8345\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-8345\"><p>Kraft Finans recognizes that PAI assessment is a key element of sustainable finance. We monitor developments in data availability and standardization from issuers and data providers, regulatory requirements from the EU and Norwegian authorities, as well as industry practices that are evolving in tandem with the implementation of the SFDR and the EU Taxonomy. We will continuously evaluate the inclusion of PAI considerations in our investment processes and public reporting once we determine that data quality and methodologies are sufficient to provide a fair representation. Our long-term goal is to increase the level of transparency and reporting in our funds and gradually strengthen the integration of PAI as data access improves.   <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7355492 e-con-full e-flex e-con e-parent\" data-id=\"7355492\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-57f912b e-con-full e-flex e-con e-child\" data-id=\"57f912b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb78cb9 elementor-widget elementor-widget-text-editor\" data-id=\"eb78cb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kraft Finans AS is a Norwegian investment firm that offers wealth management services to individuals, companies and foundations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8640cc7 e-con-full e-flex e-con e-child\" data-id=\"8640cc7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40cb745 elementor-widget__width-initial dce_masking-none elementor-widget elementor-widget-image\" data-id=\"40cb745\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_direction&quot;:&quot;negative&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:2,&quot;sizes&quot;:[]},&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/08\/JGS_1244-2-1024x683.jpg\" class=\"attachment-large size-large wp-image-59453\" alt=\"Kraft Finans -\" srcset=\"https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/08\/JGS_1244-2-1024x683.jpg 1024w, https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/08\/JGS_1244-2-300x200.jpg 300w, https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/08\/JGS_1244-2-768x512.jpg 768w, https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/08\/JGS_1244-2-1536x1024.jpg 1536w, https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/08\/JGS_1244-2.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dbde53 elementor-widget__width-initial dce_masking-none elementor-widget elementor-widget-image\" data-id=\"5dbde53\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.1,&quot;sizes&quot;:[]},&quot;motion_fx_range&quot;:&quot;viewport&quot;,&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"599\" src=\"https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/10\/B0041318-1024x767.jpg\" class=\"attachment-large size-large wp-image-59275\" alt=\"Kraft Finans -\" srcset=\"https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/10\/B0041318-1024x767.jpg 1024w, https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/10\/B0041318-300x225.jpg 300w, https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/10\/B0041318-768x576.jpg 768w, https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/10\/B0041318-1536x1151.jpg 1536w, https:\/\/kraftfinans.no\/wp-content\/uploads\/2024\/10\/B0041318.jpg 1708w\" sizes=\"(max-width: 800px) 100vw, 800px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-dce-background-image-url=\"https:\/\/kraftfinans.no\/wp-content\/uploads\/2023\/10\/JGS_0355.jpg\" class=\"elementor-element elementor-element-dc50a72 e-con-full e-flex e-con e-parent\" data-id=\"dc50a72\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-533752a elementor-widget elementor-widget-template\" data-id=\"533752a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"59677\" class=\"elementor elementor-59677 elementor-56155 elementor-56155\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div data-dce-background-overlay-color=\"#C0B198\" data-dce-background-image-url=\"https:\/\/kraftfinans.no\/wp-content\/uploads\/2023\/10\/JGS_0355.jpg\" class=\"elementor-element elementor-element-45f3b64 e-flex e-con-boxed e-con e-parent\" data-id=\"45f3b64\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;background_motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;background_motion_fx_scale_effect&quot;:&quot;yes&quot;,&quot;background_motion_fx_scale_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;background_motion_fx_scale_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:10,&quot;end&quot;:72}},&quot;background_motion_fx_scale_direction&quot;:&quot;out-in&quot;,&quot;background_motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bb85def e-con-full e-flex e-con e-child\" data-id=\"bb85def\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-644439d e-con-full e-flex e-con e-child\" data-id=\"644439d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-843b1d4 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"843b1d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Want to talk to us?  <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd61665 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"cd61665\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Would you like more information about our services for you or your company?  <br>Feel free to contact us in a way that suits you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6080205 elementor-invisible elementor-widget elementor-widget-button\" data-id=\"6080205\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/kraftfinans.no\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home We contribute to sustainable development and social responsibility We manage your wealth At Kraft Finans, we want to combine competitive returns with responsible investments. Our classified funds take into account sustainability risk and promote environmental and social attributes where relevant. With these goals and the knowledge we have, we will help to positively impact [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-60387","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/kraftfinans.no\/en\/wp-json\/wp\/v2\/pages\/60387","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kraftfinans.no\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kraftfinans.no\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kraftfinans.no\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kraftfinans.no\/en\/wp-json\/wp\/v2\/comments?post=60387"}],"version-history":[{"count":3,"href":"https:\/\/kraftfinans.no\/en\/wp-json\/wp\/v2\/pages\/60387\/revisions"}],"predecessor-version":[{"id":62148,"href":"https:\/\/kraftfinans.no\/en\/wp-json\/wp\/v2\/pages\/60387\/revisions\/62148"}],"wp:attachment":[{"href":"https:\/\/kraftfinans.no\/en\/wp-json\/wp\/v2\/media?parent=60387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}