United Bankers Oyj : Corporate Responsibility Report 2025Responsible Investment Report 2025

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Corporate Responsibility Report 2025 Sustainability at the core of United Bankers' strategy and values For United Bankers, sustainability involves a comprehensive commitment to economic, social and environmental responsibility. United Bankers is committed to playing its part in supporting the sustainable development of both society and the environment. This is reflected in the com-pany's strategy, values and operations. Sustainability is also a key part of the company's value creation and growth strategy. United Bankers' corporate responsibility is realised on a practical level through customer and stakeholder relationships, responsible investment and product selection, employee well-being, and reliable management of operations. Climate change mitigation, human rights, and biodiversity are key sustainability themes that cut across the company's operations. Sustainability goals are increasingly visible in United Bankers' operations, and the opportunities created by the green transition are a significant part of business development today. The company aims to implement its growth strategy by simultaneously operating in line with international climate goals and by developing its approach to biodiversity. The progress of sustainability work is also measured through, among other things, responsible products and services, the company's reputation, customer satisfaction, equality improvements, and the well-being and competence of the personnel. United Bankers aims to promote a sustainable economy through its investments. The fund selection includes, among others, a fund that invests in renewable energy. The continuous development of corporate responsibility together with stakeholders is of primary importance to United Bankers. The company believes that sustainabil- ity is also a way to improve the profitability and competitiveness of its business, and that positive impacts on the environment and society can be increased by acting correctly and responsibly. United Bankers wants to be worthy of the trust of all its stakeholders. KEY ACHIEVEMENTS IN 2025 Sustainability is part of long-term value creation: United Bankers started preparing its climate targets and their implementation during the year by reviewing the new requirements of the SBTi's standard. United Bankers achieved excellent results again in the 2025 UN Principles for Responsible Investment (PRI) Assessment. The company performed clearly better than the median in the asset class assessments, with all asset classes receiving a full five stars. Meaningful work and a positive working culture supports success: The company once again achieved the recognition of Finland's Most Inspiring Workplaces. 95 per cent of the respondents to the personnel survey estimated that United Bankers is a good workplace as a whole. Leadership development continued through coaching sessions. These were built around leadership cornerstones that managers themselves defined and captured in the word CONNECT. The expertise of the personnel was strengthened through continuous training. The time spent on training increased to an average of 13.5 hours per employee. 90 per cent of the employees had a development discussion with their manager as part of the performance management process. Responsible investment is part of a changing world: United Bankers strengthened its responsible investment practices by becoming the first Finnish asset manager to sign the international Operating Principles for Impact Management (OPIM). The company was among the first Finnish financial sector operators to update its Principles for Responsible Investment to reflect the current global political situation by allowing investments in the defense industry and nuclear weapons of EU and NATO countries. Operations are developed with the help of stakeholder feedback: United Bankers' reputation improved in the Reputation&Trust survey and was 3.49 (3.39). United Bankers achieved the highest SFR Platinum Award in the Challenger category in the SFR Institutional Investment Services Programme survey, which evaluates institutional asset managers. Sustainability strengthens business value The reporting principles United Bankers' Corporate Responsibility Report has been prepared in accordance with the VSME standard, a voluntary sustainability reporting standard developed by the EU for small and medium-sized companies. The report has been compiled in accordance with the comprehensive module of the VSME standard. Information on the com-pany's revenue and balance sheet has been published in the consolidated financial statements. Not all indicators of the standard are reported if they are not public or are considered to be trade secrets, for example. The Corporate Responsibility Report covers all companies belonging to the United Bankers Group: the parent company United Bankers Plc and its wholly owned subsidiaries UB Asset Management Ltd, UB Fund Management Company Ltd, UB Corporate Finance Ltd and UB Nordic Forest Management Ltd. The United Bankers Group also includes the subsidiaries of these subsidiaries. The information provided in the Corporate Responsibility Report applies to the entire Group, unless otherwise stated. The Corporate Responsibility Report has been published as part of United Bankers' Annual Report. The reporting period corresponds to the Group's financial year, i.e. 1 January-31 December 2025. United Bankers' Corporate Responsibility Report 2025 has been prepared for the first time in accordance with the VSME standards, and the information provided in it is therefore not directly comparable with previous years' reports. The Corporate Responsibility Report has not been verified. United Bankers' strategy and business model United Bankers is one of Finland's oldest independent asset managers, offering comprehensive wealth management and expertise focusing especially on alternative investments. In addition to asset and wealth management, the Group's business areas also include capital markets services. In asset and wealth management, the Group specialises in real asset investments, which include forest, real estate, energy and infrastructure funds. The majority of operating profit comes from the asset and wealth management segment, whose clients include private individuals, companies and institutions. United Bankers' main market area is Finland, but the Group also actively offers its services in Sweden. In recent years, growth has also been sought elsewhere in Europe, especially through forest investment solutions. United Bankers' shares are listed on Nasdaq Helsinki Ltd. During 2025, the number of the company's shareholders increased by approximately 10 per cent and was almost 2,200 at the end of the year. The total number of employees at United Bankers, including employees and tied agents, was approximately 200 in 2025. The company strives to create wealth responsibly. Sustainability is a key part of United Bankers' growth strategy and guides the development of the business. At United Bankers, sustainability covers a wide range of economic, social and environmental aspects. United Bankers supports climate-resilient growth and enables its customers to invest in the green transition through its product portfolio. More information on the sustainability measures and achievements of services and products is available in the Responsible investment report . Sustainability management and governance The Board of Directors of United Bankers Plc is responsible for overseeing its sustainability strategy, confirming the principles and objectives, and monitoring sustainability activities and sustainability risks. The Board of Directors discusses sustainability issues at least twice a year in its meetings. The Head of ESG reports sustainability information to the management team and the member of the management team that is responsible for sustainability. The Sustainability Steering Group, chaired by the Head of ESG, develops and monitors the sustainability of business operations and is responsible for the planning and guidance of the sustainability programme and the development and implementation of the principles for responsible investment. Operational responsibility for the implementation of sustainability is decentral- UB FUND MANAGEMENT BOARD NT TEAM SUSTAINABILITY STEERING GROUP FIGURE 1: MANAGING AND LEADING SUSTAINABILITY UNITED BANKERS GROUP BOARD MANAGEME Reporting PORTFOLIO MANAGEMENT Portfolio Investment managers committees Allocation team ESG TEAM ESG (Management) Role: Body responsible for monitoring and developing corporate responsibility RISK MANAGEMENT UB Group Risk Management Reporting and monitoring of operational risks, incl. sustainability risks UB Fund Management Company Risk Management Sustainability risks Fund risk reporting COMPLIANCE Guidance Monitoring Training UB ASSET MANAGEMENT BOARD ised to the Group's various functions, such as portfolio management, sales, ESG team, and human resources. United Bankers' sustainability development work is guided by the company's annually updated sustainability programme and targets. The programme includes areas and objectives related to the development of sustainability issues related to the Group's personnel, environmental issues and governance, as well as re- sponsible investment measures, the progress of which is monitored annually by the company's management. At United Bankers, the key principles guiding operations have been drawn up in such a way that they can be applied to several different areas of responsibility. In addition to the company's values, United Bankers' sustainability operations are guided by international commitments and good governance, as well as financial sector regulation. The key principles and commitments guiding responsibility are compiled in United Bankers' Code of Conduct and Principles for Responsible Invest-ment , as well as in the company's Climate Roadmap . In addition, United Bankers requires its partners to comply with sustainability requirements in accordance with the United Bankers' Supplier Code of Conduct . The principles and policies of United Bankers are approved by the CEO.

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