The judges selected this entry as a winner for its consistently strong foundations and forward-looking approach. By combining innovation, sustainability, and customer-centric design, SEB has created a model that sets new standards for pensions across the region. Steadily rising AUM, disciplined structure, and high-quality performance underpinned by rigorous risk assessment and conservative investment in blue-chip equities and AA–AAA-rated bonds, also impressed the judges. Highlights include thoughtful integration of ESG principles and a steady stream of well-received product innovations across the Baltic region. The Next Generation Pension product was commended for its customer-centred design, clear lifecycle logic, and early positive outcomes, supported by transparent communication. The fund’s blend of innovation, prudence, and proven industry recognition – especially in the fintech arena – made it a standout performer worthy of distinction.