Climate Change Data

Environmental Metrics

ESG Focus Areas

• Community Development
• Stakeholder Engagement
• Employee Development
• Financial Stability

Environmental Achievements

• Implemented 'Cool Biz' initiative to reduce energy consumption.
• Launched 'Furusato Kankyo Oendan' (Hometown Environment Support Group) eco-savings deposit program, accumulating 13.3 billion yen in deposits by March 2008 and contributing to environmental protection.

Social Achievements

• Strengthened loan centers to better support individual customer needs.
• Introduced new products and services to meet diverse customer needs, including investment trusts and insurance.
• Held asset management seminars for customers.
• Implemented a new personnel system in April 2005 to promote gender equality and performance-based compensation.
• Launched 'NikoniKo Kazoku' program offering 50,000 yen to customers with newborns who take out a home loan.
• Consistently received high ratings in the Bank Retail Power Survey conducted by the Nikkei Shimbun and Nikkei Research.

Governance Achievements

• Implemented a new accounting system in April 2008 to improve efficiency and speed of loan applications.
• Regularly held IR briefings and shareholder meetings to enhance transparency and communication.
• Conducted annual shareholder surveys to gather feedback and improve operations.
• Implemented a comprehensive loan support system (scheduled for completion in the first half of fiscal year 2009) to improve efficiency and reliability.

Climate Goals & Targets

Environmental Challenges

• Meeting the diverse and evolving needs of customers.
• Maintaining competitiveness in the banking industry.
• Strengthening profitability.

Mitigation Strategies

• Implementing a value-added proposal-type sales approach.
• Undertaking business process re-engineering (BPR) and strategic use of IT.
• Strengthening human resource management through training and development.
• Investing in IT infrastructure, including a new accounting system.

Supply Chain Management

Climate-Related Risks & Opportunities

Sustainable Products & Innovation

• Eco-savings deposit program ('Furusato Kankyo Oendan')

Environmental Metrics

ESG Focus Areas

• Community contribution
• Customer satisfaction
• Employee development
• Environmental protection

Environmental Achievements

• Launched "Furusato Environmental Support Group" eco-deposit account, donating to the Lake Beauty Fund.
• Offered preferential interest rates on eco-housing construction and eco-car loans.

Social Achievements

• Implemented various initiatives to support local businesses, including business matching, M&A mediation, and start-up support.
• Strengthened customer support through enhanced loan centers, improved consultation services, and ISO certification support.
• Held asset management seminars for customers.
• Implemented "Niconico Family" program offering a gift upon the birth of a child to customers with new housing loans.
• Actively participated in local events and community activities.

Governance Achievements

• Implemented a credit policy to limit lending per company and prevent bad debts.
• Conducted annual shareholder surveys to gather feedback and improve management.
• Enhanced IR activities, including holding IR financial briefings and all-store IR.

Climate Goals & Targets

Environmental Challenges

• Economic downturn impacting business profitability and customer needs.
• Need to enhance customer convenience and satisfaction.
• Need to improve efficiency and responsiveness in loan processing.

Mitigation Strategies

• Developed value-added sales strategies to address customer needs.
• Improved loan application processes through electronic approvals and system integration.
• Enhanced electronic banking channels and ATM functions.
• Implemented employee training programs to improve skills and expertise.

Supply Chain Management

Climate-Related Risks & Opportunities

Sustainable Products & Innovation

• Eco-deposit account
• Preferential interest rates on eco-housing and eco-car loans

Environmental Metrics

ESG Focus Areas

• Community contribution
• Regional revitalization
• Improved regional services
• Participation in community activities
• Corporate governance
• Customer service
• Environmental protection

Environmental Achievements

• Organized a lake cleanup activity with approximately 550 employees and their families.
• Offered eco-friendly financial products such as eco-deposit accounts, eco-housing loans, eco-renovation loans, and eco-car loans.

Social Achievements

• Established a Fukushima Prefecture Revitalization Support Team to aid in the recovery from the Great East Japan Earthquake and the nuclear power plant accident.
• Participated in a joint business meeting focused on food and agriculture to support client sales expansion.
• Extended the period for emergency disaster loans for individuals.
• Provided support to those relocating due to disaster prevention relocation projects.
• Distributed calendars to residents of temporary housing.
• Held a cultural and economic lecture series.
• Participated in blood donation activities.
• Implemented a “one store, one service” activity involving community service projects.

Governance Achievements

• Strengthened corporate governance through the establishment of a board of auditors and the appointment of an outside director.
• Held regular board and executive meetings.
• Implemented measures to enhance information disclosure, including IR financial statement briefings and branch-wide IR activities.
• Conducted annual shareholder surveys.
• Offered a shareholder preferential time deposit.

Climate Goals & Targets

Environmental Challenges

• Recovery from the Great East Japan Earthquake and the nuclear power plant accident in Fukushima.

Mitigation Strategies

• Established a Fukushima Prefecture Revitalization Support Team, collaborated with external organizations, and offered extended loan periods and support for relocation.

Supply Chain Management

Climate-Related Risks & Opportunities

Sustainable Products & Innovation

• Eco-deposit accounts
• Eco-housing loans
• Eco-renovation loans
• Eco-car loans

Environmental Metrics

ESG Focus Areas

• SDGs
• 中小企業の経営改善及び地域活性化
• 人材活躍の推進

Social Achievements

• SDGs宣言の制定
• 中小企業の経営支援
• 地域活性化への貢献
• 新型コロナウイルス感染症の影響を受けた顧客への支援

Climate Goals & Targets

Environmental Challenges

• 新型コロナウイルス感染症の影響

Mitigation Strategies

• 制度資金を活用した資金繰り支援
• 補助金・助成金情報提供及び手続きサポート
• 経営課題解決に向けたコンサルティング支援

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• Sustainability
• Climate Change
• SDGs
• Human Resources
• Community Engagement

Environmental Achievements

• Not disclosed

Social Achievements

• Established "Health Management Declaration 2021", resulting in "Health Management Excellent Corporation 2022" certification from the Ministry of Economy, Trade and Industry.
• Not disclosed

Governance Achievements

• Transitioned to an Audit & Supervisory Board Company.
• Established a Nomination and Remuneration Committee.
• Adopted a new stock-based compensation plan.

Climate Goals & Targets

Environmental Challenges

• Lingering impact of the COVID-19 pandemic on business performance and liquidity.
• Uncertainty due to the situation in Ukraine, leading to rising raw material prices, fluctuations in financial capital markets, and supply constraints.
• Increased social demands for building a sustainable society, including accelerating efforts towards decarbonization.

Mitigation Strategies

• Continued to provide financial support to customers.
• Actively engaged in consulting activities such as business succession, M&A, and business restructuring support.
• Strengthened efforts in lease brokerage services.
• Launched a new ICT consulting service to support customer digitalization.
• Revised investment trust and insurance product lineups.
• Expanded housing loan product offerings and strengthened service delivery systems.
• Established a "Sustainability Policy" and an "ESG Action Policy", and revised the "SDGs Action Policy".
• Expressed support for the recommendations of the Task Force on Climate-related Financial Disclosures (TCFD).

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: Health Management Excellent Corporation 2022

Third-party Assurance: EY ShinNihon LLC

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Health Management Excellent Corporation 2022

Environmental Metrics

ESG Focus Areas

• Environment
• Social
• Governance
• SDGs

Environmental Achievements

• Supported the operation of Japan's largest biomass power plant in Iwaki City, Fukushima Prefecture.
• Implemented paperless initiatives through the use of web conferencing and electronic applications.
• Established a student uniform collection box for recycling activities.

Social Achievements

• Provided a wide range of financial services to support the regional economy.
• Engaged in community development activities using management resources.
• Launched "Daito SDGs Business Support" to assist clients with their SDGs initiatives.
• Established a local support-type M&A service ("Fukushima no Musubime") to support business succession.
• Received the "Gold Frame Branch Chief Appreciation Certificate" from the Japanese Red Cross Society Fukushima Branch for its blood donation support project.
• Sponsored the Koriyama City Marathon.

Governance Achievements

• Strengthened corporate governance.
• Enhanced compliance systems.
• 19.0% of managerial positions (Branch Manager Deputy or above) held by women as of September 30, 2022 (up from 9.4% in 2016).
• Endorsed the TCFD recommendations in March 2022.

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: TCFD

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Gold Frame Branch Chief Appreciation Certificate (Japanese Red Cross Society)

Environmental Metrics

ESG Focus Areas

• Society 5.0 related stocks

Climate Goals & Targets

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• 再生可能エネルギー
• ESG

Climate Goals & Targets

Environmental Challenges

• 価格変動リスク
• 特定のテーマへの集中投資リスク
• 為替変動リスク
• カントリーリスク
• 流動性リスク

Mitigation Strategies

• リスク管理を重視したポートフォリオの構築
• 流動性リスク管理に関する規程を定め、ファンドの組入資産の流動性リスクのモニタリング等を実施するとともに、緊急時対応策の策定・検証等を行う

Supply Chain Management

Climate-Related Risks & Opportunities