Climate Change Data

Environmental Metrics

ESG Focus Areas

• Contribution to sustainable regional economic development
• Realization of a sustainable regional community
• Regional environmental protection
• Creating a rewarding workplace
• Sound management practices

Environmental Achievements

• Reduced CO2 emissions by 33.2% from 2013 to 2021 (Scope 1 & 2). 2030 target: 50% reduction from 2013 levels.
• Introduced CO2-free electricity at the head office building in February 2022, aiming for a 566t-CO2 reduction annually.
• Started handling eco-friendly paper files in October 2021 to reduce plastic usage.

Social Achievements

• Launched Positive Impact Finance in November 2021, providing loans to support SMEs' SDGs initiatives (13 loans, ¥2.5 billion in 2021).
• Established a Business Support Team in April 2022 to provide one-stop support for customer business challenges.
• Strengthened support for business succession through the establishment of funds.
• Implemented a side-job system in January 2022 to support diverse work styles and enhance employee capabilities.
• Received the “Platinum Kurumin” certification for childcare support.
• Received the “Best Practice Award” in Mie Prefecture's work style reform promotion program.

Governance Achievements

• Endorsed the TCFD recommendations in December 2021.
• Established a robust corporate governance structure with independent directors and committees (nomination, remuneration, audit).

Climate Goals & Targets

Environmental Challenges

• Climate change related physical risks (natural disasters impacting branches and customers), and transition risks (regulatory changes impacting customers).
• Supporting customers in a changing social environment (new normal).

Mitigation Strategies

• Developing response measures to climate change risks.
• Providing support for customers' business regeneration, continuation, and development through initiatives like the “Business Reconstruction Subsidy”.
• Strengthening collaboration with external organizations to support customers' transition to a decarbonized society.

Supply Chain Management

Responsible Procurement

• Avoiding investment in businesses engaging in illegal deforestation and the development/manufacture of weapons of mass destruction.

Climate-Related Risks & Opportunities

Physical Risks

• Natural disasters impacting branches and customers

Transition Risks

• Regulatory changes impacting customers

Opportunities

• Financing investments in renewable energy and decarbonization solutions for customers.

Reporting Standards

Frameworks Used: TCFD

Certifications: Platinum Kurumin

Sustainable Products & Innovation

• Eco-friendly paper files

Awards & Recognition

• Platinum Kurumin
• Best Practice Award (Mie Prefecture's work style reform promotion program)