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Select an assessment year:

  • Overall approach
    1/10
    • Overarching commitment on deforestation
      0/6
    • Deforestation as a business risk
      0/2
    • Target to reduce emissions in scope 1/2
    • Company must have anti-corruption policy
      1/2
      Yes, either an anti-corruption policy or a policy on prohibiting abusive tax arrangements
      1/2
      "We want the companies in which we invest to respect the UN Global Compact principles on human rights, labor conditions, the environment and anti-corruption. If a company does not respect these principles, we can put it on our exclusion list if we do not succeed in getting the company to improve."
  • Commodity score
    16/90
    • Beef & Leather
      11/90
      • Commitment Strength
        3/31
        • Commodity-specific deforestation financing policy
          0/9.6
          • Commitment details
            No commitment
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must be legally operated
          3.1/4.6
          • Commitment details
            Companies own operations - Required
            1.5/3
            Commitment details
            Companies own operations - Required
            1.5/3
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
        • Companies must monitor operations
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must conduct risk assessments
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must specify a cut-off date
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        8/27
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          5/5.6
          • Commitment details
            Required
            4/4
            Commitment details
            Required
            4/4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
        • Company must respect labour rights
          3.6/5.6
          • Commitment details
            Companies own operations - Required
            2/4
            Commitment details
            Companies own operations - Required
            2/4
            Type of policy: Discrimination; Forced Labour; Child Labour; Freedom of Association
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Reporting and Implementation
        0/31
        • Commitments must be timebound
          No
          0/5
        • Companies must disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Ethical product in portfolio
          No
    • Palm oil
      31/90
      • Commitment Strength
        13/31
        • Commodity-specific deforestation financing policy
          5.3/9.6
          • Commitment details
            Certification
            4/8
            Commitment details
            Certification
            4/8
            "An important problem with palm oil production is deforestation, which is a danger for various (protected) species... APG is conducting tough discussions with the palm oil producers in the investment portfolio. We have a team of local specialists who talk to the companies on location to encourage them to produce palm oil in a more sustainable manner. We have been doing this since 2011. APG is one of the founding members of the PRI Investor Working Group on Sustainable Palm Oil. We ask companies to join the Roundtable on Sustainable Palm Oil. This organization is developing global criteria for sustainable palm oil."
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "An important problem with palm oil production is deforestation, which is a danger for various (protected) species... APG is conducting tough discussions with the palm oil producers in the investment portfolio. We have a team of local specialists who talk to the companies on location to encourage them to produce palm oil in a more sustainable manner. We have been doing this since 2011. APG is one of the founding members of the PRI Investor Working Group on Sustainable Palm Oil. We ask companies to join the Roundtable on Sustainable Palm Oil. This organization is developing global criteria for sustainable palm oil."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "An important problem with palm oil production is deforestation, which is a danger for various (protected) species... APG is conducting tough discussions with the palm oil producers in the investment portfolio. We have a team of local specialists who talk to the companies on location to encourage them to produce palm oil in a more sustainable manner. We have been doing this since 2011. APG is one of the founding members of the PRI Investor Working Group on Sustainable Palm Oil. We ask companies to join the Roundtable on Sustainable Palm Oil. This organization is developing global criteria for sustainable palm oil."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "An important problem with palm oil production is deforestation, which is a danger for various (protected) species... APG is conducting tough discussions with the palm oil producers in the investment portfolio. We have a team of local specialists who talk to the companies on location to encourage them to produce palm oil in a more sustainable manner. We have been doing this since 2011. APG is one of the founding members of the PRI Investor Working Group on Sustainable Palm Oil. We ask companies to join the Roundtable on Sustainable Palm Oil. This organization is developing global criteria for sustainable palm oil."
          • Policy applies to all stages of the supply chain
            Producers
            0.1/0.4
            Policy applies to all stages of the supply chain
            Producers
            0.1/0.4
            "An important problem with palm oil production is deforestation, which is a danger for various (protected) species... APG is conducting tough discussions with the palm oil producers in the investment portfolio. We have a team of local specialists who talk to the companies on location to encourage them to produce palm oil in a more sustainable manner. We have been doing this since 2011. APG is one of the founding members of the PRI Investor Working Group on Sustainable Palm Oil. We ask companies to join the Roundtable on Sustainable Palm Oil. This organization is developing global criteria for sustainable palm oil."
        • Companies must be legally operated
          3.1/4.6
          • Commitment details
            Companies own operations - Required
            1.5/3
            Commitment details
            Companies own operations - Required
            1.5/3
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
        • Companies must monitor operations
          4.9/5.6
          • Commitment details
            Required
            4/4
            Commitment details
            Required
            4/4
            Certification scheme (if applicable): RSPO

            Type of policy: Assurance mechanism
            "An important problem with palm oil production is deforestation, which is a danger for various (protected) species... APG is conducting tough discussions with the palm oil producers in the investment portfolio. We have a team of local specialists who talk to the companies on location to encourage them to produce palm oil in a more sustainable manner. We have been doing this since 2011. APG is one of the founding members of the PRI Investor Working Group on Sustainable Palm Oil. We ask companies to join the Roundtable on Sustainable Palm Oil. This organization is developing global criteria for sustainable palm oil."
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "An important problem with palm oil production is deforestation, which is a danger for various (protected) species... APG is conducting tough discussions with the palm oil producers in the investment portfolio. We have a team of local specialists who talk to the companies on location to encourage them to produce palm oil in a more sustainable manner. We have been doing this since 2011. APG is one of the founding members of the PRI Investor Working Group on Sustainable Palm Oil. We ask companies to join the Roundtable on Sustainable Palm Oil. This organization is developing global criteria for sustainable palm oil."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "An important problem with palm oil production is deforestation, which is a danger for various (protected) species... APG is conducting tough discussions with the palm oil producers in the investment portfolio. We have a team of local specialists who talk to the companies on location to encourage them to produce palm oil in a more sustainable manner. We have been doing this since 2011. APG is one of the founding members of the PRI Investor Working Group on Sustainable Palm Oil. We ask companies to join the Roundtable on Sustainable Palm Oil. This organization is developing global criteria for sustainable palm oil."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "An important problem with palm oil production is deforestation, which is a danger for various (protected) species... APG is conducting tough discussions with the palm oil producers in the investment portfolio. We have a team of local specialists who talk to the companies on location to encourage them to produce palm oil in a more sustainable manner. We have been doing this since 2011. APG is one of the founding members of the PRI Investor Working Group on Sustainable Palm Oil. We ask companies to join the Roundtable on Sustainable Palm Oil. This organization is developing global criteria for sustainable palm oil."
          • Policy applies to all stages of the supply chain
            Producers
            0.1/0.4
            Policy applies to all stages of the supply chain
            Producers
            0.1/0.4
            "An important problem with palm oil production is deforestation, which is a danger for various (protected) species... APG is conducting tough discussions with the palm oil producers in the investment portfolio. We have a team of local specialists who talk to the companies on location to encourage them to produce palm oil in a more sustainable manner. We have been doing this since 2011. APG is one of the founding members of the PRI Investor Working Group on Sustainable Palm Oil. We ask companies to join the Roundtable on Sustainable Palm Oil. This organization is developing global criteria for sustainable palm oil."
        • Companies must conduct risk assessments
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must specify a cut-off date
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        8/27
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          5/5.6
          • Commitment details
            Required
            4/4
            Commitment details
            Required
            4/4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
        • Company must respect labour rights
          3.6/5.6
          • Commitment details
            Companies own operations - Required
            2/4
            Commitment details
            Companies own operations - Required
            2/4
            Type of policy: Discrimination; Forced Labour; Child Labour; Freedom of Association

            Does the financial institution ask the company to protect the health and safety of its own operations or its supply chain workers?: Yes
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Reporting and Implementation
        10/31
        • Commitments must be timebound
          No
          0/5
        • Companies must disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          Screening and monitoring process
          5/5
          Monitoring and non-compliance process
          Screening and monitoring process
          5/5
          "Inclusion means that we evaluate any companies that we caninvest in through shares or bonds (the investment universe)according to return, risk, cost and the degree to which theyoperate sustainably and responsibly. If a company meets ourcriteria and it scores above average in the industry in question, we call that company a ’leader’. We like to invest in suchcompanies for our pension fund clients. In addition, there are companies that score high in terms ofreturn, risk and cost, but lag behind in terms of sustainabilityand governance. We may invest in such ‘laggards’, but only if weexpect we can inspire them to improve. We then call thecompany a ‘potential improver’...The criteria we have developed to evaluate companies are basedon the principles of the UN Global Compact in terms of humanrights, labor rights, the environment and business ethics. Wecheck if companies have a good policy in these areas. We alsocheck if they generally honor agreements or if any incidents areknown. Below are some examples of themes we look at...We use separate criteria for every industry. They take intoaccount the specific risks that exist in that sector. We also lookat the countries and regions where the companies are active.We expect companies that are active in areas with an increasedrisk of human rights violations to be able to detect those risksand limit them. This means that they must at least have anappropriate human rights policy."
        • Engagement with non-compliant companies
          Engage with non-compliant companies without a time-bound threat of divestment
          2.5/5
          Engagement with non-compliant companies
          Engage with non-compliant companies without a time-bound threat of divestment
          2.5/5
          "Inclusion means that we evaluate any companies that we can invest in through shares or bonds (the investment universe)according to return, risk, cost and the degree to which they operate sustainably and responsibly. If a company meets ourcriteria and it scores above average in the industry in question,we call that company a ’leader’. We like to invest in such companies for our pension fund clients. In addition, there are companies that score high in terms of return, risk and cost, but lag behind in terms of sustainability and governance. We may invest in such ‘laggards’, but only if weexpect we can inspire them to improve. We then call the company a ‘potential improver’."
        • Reporting on implementation of the policy
          Reports number/proportion of portfolio companies compliant with the deforestation policy or their own timebound plans
          2/6
          Reporting on implementation of the policy
          Reports number/proportion of portfolio companies compliant with the deforestation policy or their own timebound plans
          2/6
          "Inclusion is never ‘done’. Companies change and new onesemerge. Just in 2019, over 2,000 new companies joined ourinvestment universe. These also had to be evaluated. During theyear, they received a provisional (pro forma) classification asleader or laggard. In January 2020, these classifications wereofficially set (‘frozen’). The figures below show the situation asof the end of 2019. This explains the relatively large number ofpro forma classifications. As of the end of 2019, we sold virtually all officially classifiedlaggards, except for 16 (0.4 % of the number of companies inthe portfolio). We also want to sell these, but that was not yetpossible at the end of 2019, due to, for example, traderestrictions. The figure below shows the classification of the investmentportfolio and that of the investment universe as of the end of2019"
        • Ethical product in portfolio
          No
    • Soy
      11/90
      • Commitment Strength
        3/31
        • Commodity-specific deforestation financing policy
          0/9.6
          • Commitment details
            No commitment
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must be legally operated
          3.1/4.6
          • Commitment details
            Companies own operations - Required
            1.5/3
            Commitment details
            Companies own operations - Required
            1.5/3
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
        • Companies must monitor operations
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must conduct risk assessments
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must specify a cut-off date
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        8/27
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          5/5.6
          • Commitment details
            Required
            4/4
            Commitment details
            Required
            4/4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
        • Company must respect labour rights
          3.6/5.6
          • Commitment details
            Companies own operations - Required
            2/4
            Commitment details
            Companies own operations - Required
            2/4
            Type of policy: Discrimination; Forced Labour; Child Labour; Freedom of Association

            Does the financial institution ask the company to protect the health and safety of its own operations or its supply chain workers?: Yes
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Reporting and Implementation
        0/31
        • Commitments must be timebound
          No
          0/5
        • Companies must disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Ethical product in portfolio
          No
    • Timber, Pulp & Paper
      11/90
      • Commitment Strength
        3/31
        • Commodity-specific deforestation financing policy
          0/9.6
          • Commitment details
            No commitment
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must be legally operated
          3.1/4.6
          • Commitment details
            Companies own operations - Required
            1.5/3
            Commitment details
            Companies own operations - Required
            1.5/3
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "Compliance with national and international regulation The way we invest responsibly complies with national and international legislation and regulation. The OECD guidelines for multinational companies are the basis of the inclusion policy (Chapter 2)."
        • Companies must monitor operations
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must conduct risk assessments
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must specify a cut-off date
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        8/27
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          5/5.6
          • Commitment details
            Required
            4/4
            Commitment details
            Required
            4/4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "Particularly in countries with unstable or authoritarian regimes, the presence of raw materials and – often foreign – extraction companies may contribute to the violation of human rights. These can be related, for example, to land rights, bribery and corruption, environmental degradation and unsafe working conditions.APG has had discussions with thirty companies in the raw materials sector in the past few years. Among other things, we asked companies to develop a human rights policy, to carry out audits in their supply chain and to establish a proper complaints procedure."
        • Company must respect labour rights
          3.6/5.6
          • Commitment details
            Companies own operations - Required
            2/4
            Commitment details
            Companies own operations - Required
            2/4
            Type of policy: Discrimination; Forced Labour; Child Labour; Freedom of Association
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "The criteria we have developed to evaluate companies are based on the principles of the UN Global Compact in terms of human rights, labor rights, the environment and business ethics. We check if companies have a good policy in these areas."; "We want employees of companies we invest in to be free to join trade unions and bargain collectively on working conditions. Child labor, forced labor and discrimination on the shop floor are not acceptable." 
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Reporting and Implementation
        0/31
        • Commitments must be timebound
          No
          0/5
        • Companies must disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Ethical product in portfolio
          No
  • Commitment strength
    6/31
    Avg. score
  • Reporting and Implementation
    2/31
    Avg. score
  • Social considerations
    8/28
    Avg. score

Profile

Stichting Pensioenfonds ABP (ABP) are a pension fund based in the Netherlands for public and education sector employees. As of 2017, they have 403 billion EUR in available assets. They are among the top shareholders for Forest 500 companies, across a broad range of forest risk sectors.

HQ
HQ 
Netherlands
Financial institution type
Financial institution type 
Pension Fund

How we assess the Forest 500

Investors and lenders need to adopt and implement strong deforestation policies that ensure their investments are not funding the destruction of forests.

All assessments use policies published on financial institution websites, some links may have changed or been removed since the time of assessment.

Disclaimer

This assessment has been carried out following the methodology developed for the Forest 500 project, available here. Please see our disclaimer applicable to all information contained within this site and our terms and conditions for use of data presented on this site.

All assessments use policies published on company and financial institution websites, and while we endeavor to keep them updated some links may have changed or been removed since the time of assessment.

Please contact us with any concerns or feedback about this or other assessments included in the Forest 500.