5  product-based exclusions of the United Nations Global Compact.27 We overweight those with the best ESG profiles, based on an external provider’s ratings.28 In 2019, after the ESG strategy had been introduced, the carbon footprint of our equity portfolio dropped by 30 per cent compared with the previous year.
And because of the many different ways in which lenders might disclose information about this array of products, even knowledgeable borrowers who are familiar with the process and who have shopped diligently may not feel certain that they have gotten the loan that is best for them.