Calibrating investment decisions to take into account environmental and social concerns may actually deliver above-average returns, according to a year-long review of academic studies led by HSBC, Europe's biggest bank. The release of the HSBC study will be among the highlights of this week's biennial gathering of global members of the United Nations Environment Program Finance Initiative (UNEP FI) in Melbourne...As signatories to the UNEP FI, companies such as Westpac, ANZ Bank, National Australia Bank and Insurance Australia Group, agree to follow sustainable business principles.