Climate Change Data

Environmental Metrics

ESG Focus Areas

• Environment
• Social
• Governance
• Regional Development
• Sustainable Finance

Environmental Achievements

• Established "Kogin Green Fund"
• Utilized EVs and hybrid cars, and web conferencing systems to reduce carbon emissions
• Supported environmentally friendly businesses through business matching
• Cooperated in scientific research of the Shimanto River basin for environmental regeneration

Social Achievements

• Strengthened consulting functions to support prosperous living and further development
• Concluded a comprehensive partnership agreement with Tosa Town regarding SDG promotion
• Held joint study sessions and promoted financial literacy through seminars for students
• Supported regional exchange activation events (Minami Branch, children's soccer classes, children's financial science classes, etc.)
• Supported the establishment of a regional trading company to expand sales channels and branding activities
• Maintained a financial service network using mobile financial vehicles
• Contributed to regional value enhancement and revitalization (holding a summit for high school students to consider forests, mountains, and seas)
• Undertook and issued "Kogin SDGs Support Private Placement Bonds" and made donations and gifts
• Introduced products that contribute to welfare activities and public service projects
• Installed emergency water wells
• Participated in local cleanup activities (Ohenro walking, cleaning around Harimaya Bridge, etc.)

Governance Achievements

• Endorsed the recommendations of the Task Force on Climate-related Financial Disclosures (TCFD)
• Implemented the General Business Operator Action Plan based on the Act to Promote the Advancement of Women in the Workplace (received "Erushi" certification)
• Established a Sustainability Committee as a subordinate organization of the Board of Directors
• Appointed outside directors with diverse perspectives and ensured independence
• Established a Nomination and Remuneration Committee as an advisory body to the Board of Directors
• Complied with the sustainability basic policy and investment and lending policy formulated based on the management philosophy

Climate Goals & Targets

Environmental Challenges

• Challenges related to declining birthrate, aging population, and decrease in working-age population
• Changes in social and economic activities towards post-corona
• Increasing concerns about sustainability

Mitigation Strategies

• Adapting to the changing business environment
• Supporting customers' businesses and lives through business strategies
• Optimizing organizational structure through management base strategies
• Responding to various risks such as climate change based on the TCFD recommendations
• Contributing to the realization of a sustainable local community by fulfilling the role as a financial institution

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: TCFD

Certifications: Platinum Kurumin, Erushi

Awards & Recognition

• Health Management Excellent Company 2023
• Sportsエールカンパニー 2023

Environmental Metrics

ESG Focus Areas

• Environment
• Social
• Governance

Environmental Achievements

• Created the "Kogin Green Fund" to support decarbonization efforts and SDGs.
• Promoted decarbonization through the use of EVs/hybrid vehicles, web conferencing systems, and paperless initiatives.
• Supported environmental initiatives such as scientific surveys of the Shimanto River basin for environmental restoration.

Social Achievements

• Strengthened consulting functions to support sustainable living and development.
• Implemented various community engagement activities, including financial literacy seminars for students and support for local businesses.
• Contributed to regional revitalization through initiatives like the "High School Students Think About Forests, Mountains, and Seas Summit".

Governance Achievements

• Established a Sustainability Committee under the Board of Directors.
• Appointed external directors with diverse perspectives to ensure independence.
• Implemented the Action Plan for General Businesses based on the Act to Promote the Advancement of Women in the Workplace (received "Erushi" certification).

Climate Goals & Targets

Environmental Challenges

• Challenges related to the declining birthrate, aging population, and decrease in the working-age population in the local economy.

Mitigation Strategies

• Adapting to the changing business environment by focusing on customer needs and contributing to regional economic development.
• Strengthening core business profits and improving management structure.
• Supporting local businesses through financial intermediation and various initiatives.

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: TCFD

Certifications: Health Management Excellent Corporation 2023, Platinum Kurumin, Erushi

Environmental Metrics

ESG Focus Areas

• Regional Development
• Social Well-being
• Environmental Sustainability
• Governance

Environmental Achievements

• Supported environmental initiatives and conservation efforts in the region.
• Launched Kochi Sake Rice Milling Factory, contributing to the preservation of local culture and tradition.

Social Achievements

• Provided financial education and various events for children.
• Continued support for children's soccer classes and cultural/artistic activities.
• Achieved "Platinum Kurumin" and "Erushi" certifications, promoting a supportive work environment.
• Exceeded 210 cases of utilizing the "Kogin SDGs Management Support Service" to assist corporate clients in achieving SDGs.

Governance Achievements

• Concluded a cooperation agreement on disaster prevention education with Kochi Marutaka Co., Ltd. and Daiichi Consultants Co., Ltd.
• Held a disaster prevention seminar for employees.

Climate Goals & Targets

Environmental Challenges

• Decreased loan balances due to decreased demand outside of personal loans.
• Decreased deposit balances due to shifts in savings and investment patterns and increased funding needs.

Mitigation Strategies

• Focused on enhancing financial intermediary functions to support regional SMEs and address diverse needs.
• Continued efforts to improve service quality and communication with customers to foster future creation.

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: SDGs

Certifications: プラチナくるみん, えるぼし

Awards & Recognition

• プラチナくるみん
• えるぼし