Climate Change Data

Environmental Metrics

ESG Focus Areas

• Community contribution
• Risk management
• Corporate governance
• Compliance
• Environmental issues

Environmental Achievements

• Providing eco-friendly financial products (Every Support 21, Juroku Eco Loan, Juroku Eco-Rating Loan Scheme, Juroku Eco Private Placement Bond)

Social Achievements

• Launched special loan program to support victims of the Great East Japan Earthquake
• Waived remittance charges for donations related to the earthquake
• Donated ¥10 million from Group companies and ¥13,725,877 from employees to earthquake relief efforts
• Strengthened business cooperation with overseas financial institutions (PT. Bank Negara Indonesia, Industrial and Commercial Bank of China, State Bank of India)
• Organized Japan-China Monozukuri Business Talks Forum in Shanghai

Governance Achievements

• Established a Basic Policy on Strengthening Internal Control System
• Established ALM and Compliance committees
• Signed consultation agreements with three lawyers
• Accounts audited by Deloitte Touche Tohmatsu LLC

Climate Goals & Targets

Environmental Challenges

• Harsh business conditions due to the aftermath of the Great East Japan Earthquake, including supply chain and electricity disruptions
• Severe employment situation and weak capital expenditures

Mitigation Strategies

• Launched the 12th Medium-Term Management Plan to enhance corporate value, strengthen earnings capability, and improve financial soundness
• Implemented basic strategies including reinforcement of management base, pursuit of regional strategies, early materialization of cost synergy, enhancement of management control structure, consolidation of corporate culture and human resources, and promotion of community-based financial services

Supply Chain Management

Climate-Related Risks & Opportunities

Sustainable Products & Innovation

• Every Support 21
• Juroku Eco Loan
• Juroku Eco-Rating Loan Scheme
• Juroku Eco Private Placement Bond

Environmental Metrics

ESG Focus Areas

• Community contribution
• Corporate governance
• Risk management
• Compliance
• Customer protection
• Environmental consciousness

Environmental Achievements

• Launched Juroku Eco-Rating Loan Scheme (December 2010) and Juroku Eco Private Placement Bonds (March 2011)
• Extends the loan, Every Support 21, to support customers addressing environmental issues

Social Achievements

• Actively responded to customers’ funding needs and reviewed borrowing conditions
• Established a Financing Facilitation Meeting (December 2009) to address SME and mortgage loan customer requests
• Implemented Basic Policy related to the Facilitation of Financing (January 2010)
• Supported overseas business development through interregional collaboration and business cooperation with major overseas financial institutions
• Assisted post-Great East Japan Earthquake reconstruction activities through donations and message delivery
• Hosted Vietnam business-related programs (investment climate seminar and study tour)
• Juroku Regional Development Foundation provided scholarships and assisted friendship gatherings for children

Governance Achievements

• Established a Basic Policy related to the Establishment of an Internal Control System (May 24, 2006), with partial amendments in 2007, 2009, and 2011
• Implemented a robust corporate governance structure including a Board of Directors, Managing Directors Committee, Board of Corporate Auditors, and Corporate Auditors’ Office
• Established a whistle-blower system with an external lawyer as point of contact
• Established ALM and Compliance committees meeting at least monthly
• Signed consultation agreements with three lawyers for legal advice and checks
• Accounts audited by Deloitte Touche Tohmatsu LLC

Climate Goals & Targets

Environmental Challenges

• Lingering uncertainty about the economic outlook due to weak demand for capital investment and harsh business competition
• Disturbances in component supply chains and electricity supply, concerns about radioactive contamination after the Great East Japan Earthquake
• European debt crisis, sharp appreciation of the yen, and severe flooding in Thailand

Mitigation Strategies

• Implemented the 12th Medium-Term Management Plan to address challenges and enhance corporate value
• Focused on raising profitability and improving financial soundness
• Strengthened compliance function
• Pursued regional strategies for Aichi and Gifu prefectures
• Worked towards early materialization of cost synergy from the merger with The Gifu Bank
• Enhanced management control structure and risk management systems

Supply Chain Management

Climate-Related Risks & Opportunities

Sustainable Products & Innovation

• Juroku Eco-Rating Loan Scheme
• Juroku Eco Private Placement Bonds
• Every Support 21 loan

Environmental Metrics

ESG Focus Areas

• Community Development
• Environmental Conservation
• Supporting Overseas Business Development

Environmental Achievements

• Installed solar power system (5 kW) and green curtains at Kariya Branch to mitigate heat island effect and conserve energy.

Social Achievements

• JUROKU FOUNDATION FOR REGIONAL PROMOTION provided ¥9,760,000 in grants to 43 projects and ¥24,400,000 in scholarships to 63 students in FY2014.
• Hosted ASEAN Regional Conference 2014, facilitating information exchange among businesses and government representatives.

Governance Achievements

• Formulated a new “Environmental Policy” for the Juroku Bank Group in April 2013.

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

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

• Not disclosed

Awards & Recognition

• Not disclosed