The 20th Kawasaki International Eco-Business Forum

Kawasaki Shinkin Bank

About the Speaker

Koji Nakamura, Manager
Customer Support Department,
Kawasaki Shinkin Bank
Born in 1971
in Kohoku-ku, Yokohama

April, 1994

Nakanoshima Branch

April, 1998

Yoshidabashi BranchJune, 2002

Shinjo BranchJune, 2004

Loan Department

June, 2007

Oda Branch

November, 2009

Minamiota BranchJune, 2011

Noborito Branch

April, 2013

Nippa Branch

August, 2015

General Affairs
Department

October, 2015

Operation Department

April, 2018

Oda Branch

October, 2020

Customer SupportDepartment
2About Kawasaki Shinkin BankNameKawasaki Shinkin Bank

Establishment

July 18, 1923

Headquarters

2-11-1, Isago, Kawasaki-ku, Kawasaki
City

Number ofbranches

56 branches

ATMs outsidebranches

39 locations

Number of stuff

1,221 employees

Deposit reserve

2,303.6 billion yen

Loaned money

1,372.5 billion yen
As of March 31, 2023

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Support System of Kawasaki Shinkin Bank
Inquiries from customers●Start of business,development of new fields●Business improvement●SDGs●Utilization of
intellectual properties

Consultation●Expansion of sales
channels●Business succession,
M&A etc...

SupportSupporting organizations,outside experts

Cooperation

Kawasaki Shinkin Bank
Banking Office
Customer Support Department

Kawasaki City
Kawasaki Institute of Industrial Promotion
Yokohama Industrial Development Corporation
Kanagawa Industrial Promotion Center
Kanto Bureau of Economy, Trade and Industry
Kanagawa Institute of Industrial Science andTechnology
The Kawasaki Chamber of Commerce and Industry
Kanagawa Industrial Promotion Center etc...

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Steps to SDGs Penetration in SMEs
Step 1 Interests / Concerns

Step 2 Declaration / Dissemination

Step 3 Implementation of Specific Initiatives

Step 4 Identification of New Issues

5Spreading Awareness of Decarbonization
Why not start Carbon Zero?
What each of you in the community
can do for our planet
The effects of climate change are not far in thefuture, but are having a major impact on our lives
right now, and the entire world is in a state of crisis
withKAWASHIN

Why not start

Carbon Zero?

In order to increase interest in the SDGs and Carbon Zero among local
customers, we created in-store POP advertising and videos to raiseawareness.

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Steps to SDGs Penetration in SMEs
Step 1 Interests / Concerns

Step 2 Declaration / Dissemination

Step 3 Implementation of Specific Initiatives

Step 4 Identification of New Issues

7Kawasaki SDGs Platform
Kawasaki City SDGs Platform
Secretariat: Kawasaki City, Kawasaki Shinkin Bank
The Kawasaki Chamber of Commerce and Industry, Junior Chamber Inc.,
Kawasaki Institute of Industrial Promotion, Kawasaki Civic Action Center,
Kawasaki Center for Climate Change Action

Hosting seminars andstudy meetings
Providing support forparticipating organizations

Establishing networks
through the platform

Registered /Certified BusinessOperators

Promotion of information
sharing and interactions
Sharing of good practices(Provisional) Kawasaki SDGs
Grand Prix
Matching amongorganizations

Kawasaki City’s SDGs Registration / Certification System“Kawasaki SDGs Partners”

Public relations
and educational
activities forcitizens

Public, private, financial,
and academic sectors
unite through theplatform to activate theSDGs actions

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Steps to SDGs Penetration in SMEs
Step 1 Interests / Concerns

Step 2 Declaration / Dissemination

Step 3 Implementation of Specific Initiatives

Step 4 Identification of New Issues

9Decarbonization–Related Financial Instruments
Deposit Products

KAWASHIN Carbon Zero Assist Time Deposit

We offer ATM-only time deposit that can be made without vouchers (paperless)along with KAWASHIN Carbon Zero Loan Products in order to increase
environmental awareness and support local efforts to preserve theenvironment. We will make a donation in proportion to the contract amount of10
this product to the Greening Fund, etc.

Decarbonization–Related Financial Instruments
Loan Product
KAWASHIN Carbon Zero Challenge Series

Assist 2050
Apartment loan
Housing loan
Car-Life Loan
KAWASHIN Carbon Zero Challenge Series

In order to actively promote the realization of a local decarbonized society, weoffer business loan products, apartment loans, housing loans, and car-lifeloans to local businesses and individuals who are committed todecarbonization and environmental friendliness.
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Decarbonization–Related Financial Instruments
Loan Product
KAWASHIN Carbon Zero Housing Loan
KAWASHINKAWASHIN supports customers who install “equipment that contributes to increase energy
consumption performance”*1!
- Setting an interest rate that is equivalent to 0% rate for the relevant equipment The interest rate will be calculated based on the corresponding amount for each tier of eligible equipment
costs as shown in the table below.*2

Tiers of the eligible
equipment cost:

0.5 million to less than 1million

Adopted amount: 1 million yen

1 million yen to less than 2 million yen

Adopted amount: 2 million yen

2 million yen or over

Adopted amount: 3 million yen*The amount of equipment eligible for preferential treatment is the portion exceeding 0.5 million yen
and not exceeding 3 million yen, and the amount below 0.5 million yen is not eligible.

“KAWASHIN Carbon Zero Housing Loan” aims to encourage citizens who are
considering purchasing or building a house to increase their awareness of CO2
reduction by offering preferential loan interest rates for the installation of“equipment that contributes to improved energy consumption performance”.
12Decarbonization–Related Financial Instruments
Loan product
KAWASHIN Sunshine
Supporting businesses that install solar panels
and work to visualize CO2 emissions!
Business loan that supports installation of solar panels
KAWASHIN Sunshine“KAWASHIN Sunshine” is a new loan product that offers a 0.200% discount on
the bank's predetermined interest rate after one year for customers who installsolar panels and make their CO2 emissions visible in order to support
businesses that take initiatives to realize a decarbonized society. With thisproduct, we are promoting the spread of solar panels and encouraging thenext actions to reduce CO2 emissions.
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Steps to SDGs Penetration in SMEs
Step 1 Interests / Concerns

Step 2 Declaration / Dissemination

Step 3 Implementation of Specific Initiatives

Step 4 Identification of New Issues

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Awareness of ESG Investments and Loans
Know what it isCompletely unaware

Have heard of it

Source: Kawasaki Shinkin Bank “SME Trends Survey for the January-March period, 2023”

Nearly 70% of companies were aware of ESG investments and loans, with 16.0%
saying they “know what it is” and 49.5% saying they "have heard of it.
On the other hand, 34.5% of respondents, or about 30% of companies, were“completely unaware” of ESG investments and loans.
15Interest in and Willingness to Use ESG Investments and Loans
Already using

Not interested

Interested

Source: Kawasaki Shinkin Bank “SME Trends Survey for the January-March period, 2023”

As for interest in and willingness to use ESG investments and loans,
About 50% of companies think it is not necessary for themselves, with
52.2% saying they are “not interested”.
Meanwhile, 41.0% of the respondents are “interested”, but only 6.8%
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are “already using” the products.

Conclusion
Environmental / Social Issues
The response todate has been
more in terms ofcost factors

Business
Opportunities

Global warming, Expansion of Gaps between the rich and the poor
Spread of SDGs
All companies cannot survive unless they are needed by society. Then,by accurately understanding the SDGs, which comprehensively list the“needs of society,” and by using them as a guidepost for future
management, we can make the SDGs a management strategy for ourown companies.
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Thank you very muchfor your kind attention.

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