C ontribution to the Regional Economy and Community
Activities to Revitalize the Regional Economy
Juroku Bank’s Support for Overseas Business Development
 Overseas Business Support<The Bank’s International Network>
Utilizing our overseas network of four representative offices and15 overseas partnering financial institutions spanning 11 countries, we vigorously support our customers in their efforts to cultivate overseas sales channels and develop overseas local production
as well as disseminate the latest overseas business information.
Through such initiatives, we seek to capture new business opportunities together with our customers in local communities.

Corporate Business DivisionInternational Office

Shanghai Overseas
Representative
OfficeHanoi Overseas
Representative
OfficeBangkok Overseas
Representative
OfficeSingapore Overseas
Representative
Office<Video clips to deliver the latest overseas business information>
Although the COVID-19 pandemic is making it difficult for customers to travel overseas for business purposes, there are increasingneeds for the latest overseas business information with a view to the post-pandemic era. In these circumstances, we launched JUROKU
CROSSBORDER VIEW, an information service in which staff members of the Bank’s overseas representative offices in Shanghai, Singapore, Bangkok, and Hanoi disseminate the latest overseas business information.
JUROKU CROSSBORDER VIEW is a tool for directly delivering the local information our customers need. In addition toproviding video reports, these staff members of the Bank’s overseas representative offices offer online advice to customers and they also
conduct field surveys and visit sites on their behalf.
Through these activities, we will continue supporting our customers’ overseas business development.

SDGs Festival in Nagoya Marunouchi
From November 2020 to January 2021, SDGs Festival in Nagoya Marunouchi, an event disseminating information on the SDGs, was held at Nagoya Tokio Marine & Nichido Building and Juroku BankNagoya Building.
Sponsored by Tokio Marine & Nichido Fire Insurance Co., Ltd. and co-sponsored by the Bank, Aichi
prefecture, and Nagoya city, the objective of this event was to give added momentum to SDG-related
activities in the Tokai and Hokuriku areas by disseminating information from Nagoya’s central business district and to strengthen collaboration among municipalities and companies addressing the SDGs in order to promote sustainable development of the region.
While the event was running, the Bank’s Nagoya Building was wrapped in a banner bearing the SDG logo and in the ATM lobby,
there were panels to raise awareness of the SDGs and introduce the Bank’s SDG initiatives.

Foundation of the Bank’s sustainable growth

Response to Environmental Issues
Based on the environmental policy that the Bank established in April 2013, the divisions at headquarters and sales branches set
environmental objectives every year and conduct environmental activities. We are also systematizing the PDCA management cycle
to continue environmental protection initiatives. In June 2021 we announced our endorsement of the TCFD recommendations andare working to establish systems and ensure information disclosure in accordance with the TCFD recommendations.
By sincerely conducting environmental activities in the course of business, including education and other initiatives to raise
environmental awareness of each officer and employee, we will strive to contribute to the sustainable growth of local communities,
which will lead to creation of corporate value.
 Response to the TCFD Recommendations
Extreme weather and large-scale natural disasters have caused devastation around the world in recent years and the region we serve havealso frequently suffered major damage. Climate change has become an omnipresent issue, having emerged as a factor with a significant
impact not only on the business environment but also the businesses of our customers and ourselves. In these circumstances, aiming tostrengthen our response to climate change and to provide useful information to stakeholders, we announced our endorsement of the TCFD
recommendations and are working to establish systems and ensure information disclosure in accordance with the TCFD recommendations.
* Abbreviation of the Task Force on Climate-related Financial Disclosures
The TCFD is an international organization established by the Financial Stability Board (FSB) in December 2015 tosupport stability of financial systems. The TCFD recommends assessment of climate-related risks and opportunities
and disclosure of financial impacts to help promote a smooth transition to a low-carbon society.

17Governance

The policy on response to climate change and other important matters are discussed at the Management Council and the results arereflected in management strategy and risk management.
The Management Council periodically reviews the situation.

StrategyPositioning response to climate change as an important management task, the Bank promotes initiatives in terms of both risks and opportunities.
RisksWe recognize climate-related risks, which are classified into two categories: physical risks and transition risks. Going forward, wewill consider the methodology for identifying and analyzing the impacts of the risks.
Opportunities
Business opportunities are expected to increase in line with the expansion of the market for climate-related financing and solutions.

Risk Management

We have established the “Investment and Lending Policy for Creation of a Sustainable Society.”
Recognizing climate-related risks as material risks, we are striving to establish a system for managing them within the framework ofintegrated risk management.

Metrics and Targets

Our target is to reduce our CO2 emissions in FY2030 by 50% compared with FY2013.
We aim to become carbon neutral by FY2050.

 Initiatives for Reduction of Greenhouse Gas Emissions
We aim to become carbon neutral by FY2050 and our target is to reduce CO2 emissions in FY2030 by 50% compared with FY2013.
(t-CO2)
12,00011,083

11,00010,783CO2 emissions attributable to the Bank’s energy consumption
10,01910,000

9,554

9,552

-29.9%

8,760

9,000

7,943

8,000

-50.0%

7,761

7,000
6,000

5,541

5,000
4,000

FY2013

FY2014FY2015FY2016FY2017FY2018FY2019FY2020

FY2030(Target)Investment and Lending Policy for Creation of a Sustainable Society
We have established the “Investment and Lending Policy for Creation of a Sustainable Society” in order to clarify the Juroku Bank
Group’s commitment to the resolution of environmental and social issues.
 Basic Policy
The Juroku Bank Group strives to contribute to medium- to long-term enhancement of corporate value and sustainable growth of customers by vigorously supporting
initiatives to resolve environmental and social issues through investment and lending.
Moreover, the Group strives to mitigate or avert the impact of investment and lending that may pose a significant risk or have a negative impact on the environmentand society by subjecting any such investment and lending to meticulous consideration.

 Sector-specific Policies
SectorPolicy

Coal-fired thermal
power generation

The Group will not engage in investment or lending for the purpose of constructing new coal-fired thermal power stations or expanding
existing facilities. However, the Group may do so in exceptional cases, always proceeding with caution, such as if responding to a disasteror participating in projects that are in accordance with the energy policy of the Japanese government.

Weapons

In view of the inhumane nature of cluster bombs, antipersonnel landmines, and biological and chemical weapons, the Group will not
engage in investment or lending to companies that manufacture such weapons regardless of the use of the funds.

Deforestation

The Group will not engage in investment or lending to businesses involving illegal logging or incineration of forest. The Group will
adopt a cautious approach to investment and lending if the funds in question may be related to deforestation, taking into consideration
the impact on the local economy and the environment.

Investment in ESG Bonds
 Supporting efforts to realize a sustainable society through investmentin ESG bonds
We are vigorously investing in corporate bonds whose use is restricted toprojects that are expected to contribute to sustainable development of society,such as projects concerning the renewable energy business and social infrastructure development.
We will continue our initiatives to realize a sustainable society.

18

 Investment in ESG bonds in recent years
Fiscal year in whichinvestment was madeNumber of cases

Total amount

FY20182¥0.9 billion

FY20193¥1.9 billion

FY202019¥21.3 billion