Scottish Widows describes how it integrates responsible investment across its pension and investment products—using ESG analysis to prioritise companies reducing environmental impact and improving wellbeing, excluding those causing severe harm, applying Stewardship and Exclusions policies and Voting Guidelines, engaging with and challenging fund managers and company management, producing research and reporting, and maintaining signatory status to the Stewardship Code—to manage climate and social risks, protect long‑term customer savings and support a sustainable transition; included under 'Our Financial Vehicles in Action' to illustrate how a financial institution deploys capital, stewardship and governance tools in its funds and pensions to influence corporate behaviour and deliver better outcomes for savers, society and the planet.