Climate Change Data

株式会社北日本銀行 (Kita-Nippon Bank, Ltd.)

Climate Impact & Sustainability Data (2023-04 to 2027-03)

Reporting Period: 2023-04 to 2027-03

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

  • Sustainability
  • SDGs
  • Climate Change
  • Community Contribution

Environmental Achievements

  • CO2 emissions reduction of 51% by 2026 (compared to 2013), aiming for 46% reduction by 2030. Introduction of solar power generation facilities, renewable energy sources, hybrid and electric vehicles.

Social Achievements

  • Implementation of company-wide SDGs initiatives.
  • Holding financial literacy workshops.
  • Support for sports promotion.

Governance Achievements

  • Transition to an audit and supervisory board company.
  • Strengthening of corporate governance.
  • Strengthening of risk management and capital policy.

Climate Goals & Targets

Long-term Goals:
  • Achieve ROE of 5% or more (long-term goal).
Medium-term Goals:
  • Achieve ¥40 billion or more in ordinary profit by 2027.
  • Achieve ¥30 billion or more in net profit by 2027.
  • Reduce modified OHR to less than 75% by 2027.
  • Maintain a capital adequacy ratio of 8.5% or more by 2027.
Short-term Goals:
  • Increase sustainable finance to ¥100 billion by 2026.
  • Increase corporate service revenue to ¥700 million annually by 2026.
  • Increase housing loan execution to ¥200 billion by 2026.
  • Increase the number of life plan utilization cases to 5,000 annually by 2026.

Environmental Challenges

  • Declining population and aging society in Iwate and Miyagi prefectures.
  • Need for digital transformation and enhanced customer experience.
  • Maintaining profitability in a low-interest rate environment.
Mitigation Strategies
  • Implementation of DX and SX strategies to improve efficiency and customer experience.
  • Development of new business models and services.
  • Focus on sustainable finance and ESG investments.

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: TCFD

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

  • Not disclosed

Not disclosed

Sustainable Products & Innovation

  • Sustainable finance products
  • Products related to decarbonization

Awards & Recognition

  • Not disclosed