Climate Change Data

Kiyo Financial Group

Climate Impact & Sustainability Data (2017)

Reporting Period: 2017

Environmental Metrics

Total Carbon Emissions:Not disclosed
Scope 1 Emissions:Not disclosed
Scope 2 Emissions:Not disclosed
Scope 3 Emissions:Not disclosed
Renewable Energy Share:Not disclosed
Total Energy Consumption:Not disclosed
Water Consumption:Not disclosed
Waste Generated:Not disclosed
Carbon Intensity:Not disclosed

ESG Focus Areas

  • Regional Revitalization
  • Relationship Banking
  • CSR
  • Sustainable Business Model
  • Shareholder Returns

Environmental Achievements

  • Not disclosed

Social Achievements

  • Launched Kiyo CSR Private Placement Bond, handling 132 issues by June 2017, contributing commissions to regional healthcare, welfare, and educational facilities.
  • Business alliance with Booking.com to promote tourism in the Bank’s business area.
  • Expanded housing loans in partnership with local governments to support regional rejuvenation.
  • Provided crowdfunding introductory service, establishing a fund for a hot spring water company.
  • Wakayama Community Revitalization Fund provided funding to accommodation facilities.
  • Kiyo 6th Industrialization Fund supported businesses in agriculture, fisheries, and forestry.

Governance Achievements

  • Formulated a Basic Policy Regarding Customer-Oriented Business Conduct, aligning with the Financial Services Agency's Principles for Customer-Oriented Business Conduct.

Climate Goals & Targets

Long-term Goals:
  • Not disclosed
Medium-term Goals:
  • Not disclosed
Short-term Goals:
  • Not disclosed

Environmental Challenges

  • Harsh revenue environment due to low yield and negative interest rates.
  • Competition with other financial institutions.
  • Restructuring among regional banks and credit unions.
  • Declining number of business offices due to demographic changes.
  • Disparity in economic performance between Wakayama and Osaka prefectures.
Mitigation Strategies
  • Established a new sustainable business model focusing on lending to SMEs.
  • Implemented regional strategies to strengthen financial intermediary function and support regional economic development.
  • Improved management efficiency through branch network optimization.
  • Strengthened business promotion through relationship banking, Industry Reports, seminars, and new loan products.
  • Enhanced CSR activities to increase value as a regional bank.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement
  • Not disclosed

Climate-Related Risks & Opportunities

Physical Risks
  • Not disclosed
Transition Risks
  • Not disclosed
Opportunities
  • Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

  • Not disclosed

Not disclosed

Sustainable Products & Innovation

  • Kiyo CSR Private Placement Bond
  • Loan for business resilience

Awards & Recognition

  • Not disclosed