Initiatives to Improve Corporate Value
E (Environment): Our Response to Global Warming & Climate Change
Board of Directors proactively pursue Resona Sustainability Challenge 2030 and step up climate change countermeasures
Board of Directors
Report
Supervise
Representative
executive officers
Executive Committee
Group Sustainability Promotion Committee
Integrated management of response
to climate change-related risks and opportunities
Identify risks
Qualitatively
and opportunities for evaluate risks and
the Resona Group opportunities
Measures and
targets to reduce
risk and increase
opportunities
Responses
and
outcomes
Oct. '18
Declared the support of
TCFD
Task Force on
Climate-related
Financial Disclosures
Reflect outcomes of discussions on risks and opportunities from climate change in the Group strategies and risk management
Impact on our largest asset class, loans
Help corporate and individual customers mitigate and adapt to climate change through financial services
Minimize
the risks
Expand the
opportunities
Loan
initiatives
Investment
• Proactively engage with corporate customers who have yet to fully commit to
environmental issues, encouraging them to step up their initiatives
• Clarify our stance on lending to businesses that may exert a seriously negative impact on the
environment, such as enforcing general rule of abstaining from extending new loans to coal-fired
thermal-generation projects and extending new loans to coal mining projects (MTR method*¹), etc.
Incorporate an ESG-oriented viewpoint into investment decision-making process
initiatives • Maintain constructive dialogue and engagement with investees
Conserving
the environment
through
our products
and services
[Individual customers]
R246 ESG
Offer benefits to loan customers
who purchase eco-friendly housing
(housing loans)
[Corporate clients]
✓ Simplified CO2 emissions calculation service
Loan products with conditions linked to ESG
target accomplishments (TryNow)
SX Framework Loan
*1. A method used for the surface mining of coal seams in mountain areas. The use of the MTR method entails deforestation, and soil from
the mountain top is usually dumped in valleys, rivers and other nearby locations.
*2. CDP Report 2022 *3. Lending to energy and utility sectors based on definitions under TCFD recommendations
[CDP scores*2]
Resona HD A-
SMFG
A-
A-
MUFG
Mizuho FG
SMTH
መ መ
[The ratio of lending for
the energy and utility
sector to the entire
portfolio]
1.3%
(As of Mar. 31, '23)
Resona Holdings, Inc.
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