Climate Change Data

Environmental Metrics

ESG Focus Areas

• Environmental
• Social
• Governance

Environmental Achievements

• Reduced CO2 emissions by 13.8% compared to the previous year.

Social Achievements

• Maintained a disability employment rate above the legal requirement (2.24%).
• Held 110 asset management seminars with 835 participants.
• Supported a local environmental organization with a grant from the Fukushima Bank Hometown Natural Environment Fund.

Governance Achievements

• Established a Code of Conduct for all employees.
• Implemented measures to prevent financial crimes, including anti-fraud measures and enhanced security for online banking.
• Strengthened internal controls and risk management.

Climate Goals & Targets

Environmental Challenges

• Strengthening internal management
• Enhancing profitability
• Maintaining financial soundness

Mitigation Strategies

• Continued efforts to improve internal audits and risk management.
• Increased lending and window sales, strengthened corporate support, advanced operations, and reduced costs.
• Strengthened risk management, focusing on credit and interest rate risks.

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

Environmental Metrics

ESG Focus Areas

• Community Investment
• Childcare Support
• Regional Revitalization
• Sustainable Finance
• Employee Well-being

Environmental Achievements

• Not disclosed

Social Achievements

• Launched 'Fukushima Support Donation-type Private Placement Bonds' to support regional revitalization and environmental protection.
• Launched 'Fukushima Bank Children's Bond Loan,' a childcare support donation-type loan.
• Established a business partnership with the Huulex Group to address management challenges faced by local SMEs and accelerate regional revitalization.

Governance Achievements

• Not disclosed

Climate Goals & Targets

Environmental Challenges

• Decrease in loan interest income due to lower loan interest rates.
• Decrease in securities interest and dividend income due to reduced investment trust sales profits.
• Decreased personal deposits due to reduced disaster-related compensation payments and a shift to investment products.

Mitigation Strategies

• Implemented fundamental review of expenses, reducing personnel and property costs.
• Introduced new products to meet customer needs (investment trusts and insurance products).

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

Environmental Metrics

ESG Focus Areas

• SDGs
• Community Investment
• Employee Well-being

Environmental Achievements

• Not disclosed

Social Achievements

• Launched "Fukuging Children's Bond Loan" for childcare support, donating a total of 3 million yen.
• Donated 10,000 masks to childcare facilities upon reaching 100 billion yen in Season 2 of the loan.
• Conducted employee volunteer activities (1,077 participants).
• Held the 9th Disability Facility Product Exhibition and Sales Event, achieving record sales of 4.36 million yen through a catalog sales approach due to the pandemic.
• Consistently conducted group blood drives for over 30 years, receiving an award from the Minister of Health, Labour and Welfare.

Governance Achievements

• Not disclosed

Climate Goals & Targets

Environmental Challenges

• COVID-19 pandemic impact on business and customer needs.
• Decreased profits due to increased bad debt provisions and write-downs on securities.

Mitigation Strategies

• Implemented proactive loss recognition to address potential risks.
• Provided coronavirus response loans to support local SMEs.
• Oversaw a significant revision of securities investment, shifting to a low-cost, stable bond-centric approach.
• Strengthened credit cost reserves.

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

• Goal 8: Decent Work and Economic Growth
• Goal 11: Sustainable Cities and Communities

Initiatives such as the "Fukuging Children's Bond Loan" and community volunteer programs contribute to these goals.

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Award from the Minister of Health, Labour and Welfare for group blood drive participation

Environmental Metrics

ESG Focus Areas

• Community Development
• Sustainable Finance
• Employee Well-being
• DX (Digital Transformation)

Environmental Achievements

• Continued support for the Fukushima Bank Hometown Natural Environment Fund, providing grants to environmental organizations.
• Promoting paperless initiatives through DX.

Social Achievements

• Held the 11th annual exhibition and sale of products from facilities for people with disabilities (though in a catalog format due to COVID-19).
• Donation to the Great East Japan Earthquake Fukushima Children's Donation.
• Implementation of the 'Ikuboss Declaration' to support employees balancing work and childcare.
• Collaboration with Yoshimoto Kogyo Holdings for regional revitalization.

Governance Achievements

• Adoption of the Sustainability Basic Policy and endorsement of the TCFD recommendations.
• Development of a Green/Social/Sustainability Finance Framework and securing a Sustainability Loan from SBI Shinsei Bank.

Climate Goals & Targets

Environmental Challenges

• Economic challenges impacting business performance.
• Maintaining profitability while investing in DX and ESG initiatives.

Mitigation Strategies

• Strategic partnerships with SBI Holdings for DX and business expansion.
• Focus on core business support and customer-centric operations.
• Development of a next-generation banking system to improve efficiency and customer experience.

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: TCFD

UN Sustainable Development Goals

• Goal 8: Decent Work and Economic Growth
• Goal 9: Industry, Innovation and Infrastructure
• Goal 11: Sustainable Cities and Communities
• Goal 13: Climate Action

Fukushima Bank's initiatives contribute to these SDGs through community development, sustainable finance, and digital transformation.

Environmental Metrics

ESG Focus Areas

• Environmental
• Social
• Governance

Environmental Achievements

• Waste reduction and recycling initiatives
• Promotion of paperless processes
• Strengthened waste management system (compliance with Waste Management Act, appointment of waste management officer)

Social Achievements

• Implementation of stress checks
• Improved average annual health checkup rate
• Provision of health programs and partnerships with gyms
• Distribution of pamphlets introducing health management and healthy food, implementation of educational training

Governance Achievements

• Declaration of commitment to SDGs in management policy and plan
• Participation in government's SDGs registration system
• Setting, monitoring of SDGs promotion measures and targets
• Disclosure of SDGs initiatives on the company website
• Development of a Business Continuity Plan (BCP)

Climate Goals & Targets

Supply Chain Management

Climate-Related Risks & Opportunities