Climate Change Data

Environmental Metrics

ESG Focus Areas

• Environmental conservation
• Diversity & inclusion
• Local economy/community development

Environmental Achievements

• Switched all electricity used at the Chibaminato Headquarters to renewable energy, reducing CO2 emissions by approximately 1,400 tons per year (approximately 17% of the Group's total electricity consumption in fiscal 2021).

Social Achievements

• Launched α Sustainability Linked Loan and α Green Loan services.
• Established a business succession fund addressing business succession issues faced by small and medium-sized companies.
• Participated in the "Chiba SDGs Promotion Network".

Governance Achievements

• Established a Sustainability Committee chaired by the president to centrally manage sustainability initiatives.
• Endorsed the TCFD Recommendations and actively undertaking climate-related financial information disclosure.

Climate Goals & Targets

Environmental Challenges

• Prolonged low interest rate environment
• Declining birthrate coupled with an aging and shrinking population
• Lifestyle changes
• Climate-related risks (transition risk and physical risk)

Mitigation Strategies

• Introduced forward-looking reserves to provide for more active support of local economies and to further improve preventive measures against future credit risks.
• Promoting cost reductions through productivity improvement.
• Formulated the Keiyo Bank Group Sustainability Policy and established a Sustainability Committee.
• Set targets for reducing CO2 emissions and for making ESG-related investments and loans.
• Developed α Sustainability Linked Loan and α Green Loan services.

Supply Chain Management

Climate-Related Risks & Opportunities

Physical Risks

• Natural disasters resulting from climate change

Transition Risks

• Climate-related regulatory and tax changes

Opportunities

• Increase in business opportunities including the offering of renewable energy-related financing, and consulting services to help customers with the transition to a decarbonized society.

Reporting Standards

Frameworks Used: TCFD

Certifications: Chiba SDGs Partner Registration System

Sustainable Products & Innovation

• α Sustainability Linked Loan
• α Green Loan

Awards & Recognition

• [Eruboshi]
• [Platinum Kurumin]
• Ikumen Company Award 2018 Dual Support Category
• Excellent Health Management Corporation 2022 (Large Corporation Division)

Environmental Metrics

ESG Focus Areas

• Local economy/community
• Diversity & inclusion
• Environmental conservation

Environmental Achievements

• Reduced CO2 emissions (Scope 1 and 2) from 10,042t in FY2016 to 6,552t in FY2022. Set a target of 50% reduction from 2013 levels by 2030, aiming for carbon neutrality by 2050.
• Transitioned Chibaminato Headquarters to renewable energy, reducing CO2 emissions by approximately 1,400 tons per year.

Social Achievements

• Implemented various systems and diverse work styles to support employee career advancement.
• Achieved 100% childcare leave use rate for both male and female employees.
• Donated JPY40.66 million (as of June 30, 2023).
• 30.8% of women in leadership positions (Assistant managers and higher) as of April 1, 2023.
• 2 female directors and executive officers as of June 28, 2023.

Governance Achievements

• Established a Sustainability Committee chaired by the President.
• Established the Sustainability Study Subcommittee.
• Endorsed the TCFD Recommendations in December 2021.
• 40.0% of outside directors (as of June 28, 2023).

Climate Goals & Targets

Environmental Challenges

• Climate change transition risks and physical risks affecting the Bank’s business activities and financial status.
• Business succession among small and medium-sized companies.

Mitigation Strategies

• Established a system to assess and analyze the impact of climate change risks and manage them within the existing framework, including integrated risk management.
• Established an Investment and Lending Policy for Achieving a Sustainable Society.
• Leveraging a business succession fund established in collaboration with group companies such as Keiyo Bank Capital & Consulting.

Climate-Related Risks & Opportunities

Physical Risks

• Floods
• Storm surges

Transition Risks

• Carbon tax introduction
• Changes in consumer demand
• Future decarbonization responses of borrowers

Opportunities

• Increase in demand for climate change-related businesses
• Expansion of sustainable finance transactions
• Increase in financial support for infrastructure investments

Reporting Standards

Frameworks Used: TCFD

Certifications: DX-certified Operator

UN Sustainable Development Goals

• Goal 7
• Goal 13

Sustainable Products & Innovation

• Environmentally-Friendly Type Housing Loans
• SDGs-related investment trusts
• Customer-participation type environment protection projects
• α Sustainability Linked Loans
• α Green Loans
• α Social Loans
• SDGs Loans
• SDGs Donation-Type Private Placement Bonds

Awards & Recognition

• Eruboshi Platinum
• Kurumin Plus
• Ikumen Company Award 2018 Dual Support Category
• Excellent Health Management Corporation 2023 (Large Corporation Division)
• 2nd “Regional Revitalization SDGs Finance Award”

Environmental Metrics

ESG Focus Areas

• Local economy/community
• Diversity & inclusion
• Environmental conservation

Environmental Achievements

• CO2 emissions reduction rate of 30.8% compared to FY2013 (as of FY2023)
• ESG-related investment & loan implementation amount (cumulative total since fiscal 2021): JPY352.4 billion

Social Achievements

• Childcare leave use rate: Male 100%, Female 100%
• Percentage of women in leadership positions (assistant managers and higher): 32.5%
• Percentage of female managers (as of April 1, 2024): 8.4%
• Amount donated: JPY48.14 million (as of March 31, 2024)
• Employee engagement survey: 84.2% satisfied

Governance Achievements

• Percentage of outside directors (as of June 26, 2024): 40.0%
• Number of female directors and executive officers (as of June 26, 2024): 2
• Japan Credit Rating Agency (JCR) rating: A+

Climate Goals & Targets

Environmental Challenges

• Depopulation, low fertility and aging population
• Monetary policy shift
• Increasing need for asset building
• Progress in digitalization
• Lifestyle changes
• Increasing corporate social responsibility
• Successor scarcity
• Increase in medical and welfare needs
• Labor shortage
• Improvement of productivity
• Business restructuring
• Advancement of cashless payment
• Diversification of work styles
• Transition to a low-carbon, recycling-oriented society
• Climate change risks (transition and physical)

Mitigation Strategies

• 20th Medium-term Business Plan focusing on next-generation management resources, including human capital expansion, omnichannel evolution, business process restructuring, and next-generation account systems.
• Sales reform, human resources reform, and management foundation reform.
• Investment and Lending Policy for Achieving a Sustainable Society.
• Sustainability Committee chaired by the President.
• Analysis of climate change risks and opportunities across short, medium, and long-term timeframes.
• ESG-related investment & loan implementation target of JPY1,400.0 billion by FY2030 (doubled from previous target).

Supply Chain Management

Climate-Related Risks & Opportunities

Physical Risks

• Floods
• Storm surges

Transition Risks

• Stricter regulations on GHG emissions
• Carbon taxes
• Technological advancements

Opportunities

• Increase in demand for climate change-related businesses
• Expansion of sustainable finance transactions

Reporting Standards

Frameworks Used: TCFD Recommendations, International Integrated Reporting Framework, Guidance for Collaborative Value Creation

Sustainable Products & Innovation

• α Sustainability Linked Loans
• α Green Loans
• α Social Loans
• SDGs Loans
• Environmentally-Friendly Type Housing Loans
• SDGs-related investment trusts

Awards & Recognition

• Excellent Health Management Corporation 2024 (Large Corporation Division)