Initiatives to Improve Corporate Value
E (Environment): Retail Transition Finance
Corporate field
Personal field
Continue acting as a "running partner" for our retail customers and assisting them
in the transition of their awareness and modes of behavior
Cumulative total of approx. JPY1,865.0 bn (FY'21 - FY'22) (Target: - FY'30, cumulative total of JPY10 tn)
Transaction volume for the new MMP period (Plan): JPY3.0 tn
SMEs play an essential role in the nationwide realization of SDGs and SX
# of companies
Approx. 99.7%*1
# of employees
Approx. 70%*1
Added value created
Approx. 53%*1
Help customers transform their modes of behavior and, to this
end, act as their "running partner" even as we continue to
"promote in-depth dialogue" and "strengthen our solutions"
Promote in-depth dialogue (FY'21)
.
•
# of corporate customers interviewed by the Group on SX topics:
Approximately 31,000
Strengthen the solutions delivered (FY'22)
# of cases in which SX-related financing *2 was delivered:
Approx. 4,400, +90%, YoY
# of cases in which paid consulting on relevant subjects was delivered :
Approx. 85, +90%, YoY
A simplified CO2 emission calculation service: Approx. 2,600
Strive to popularize SX by facilitating ongoing dialogue and
the resulting transformation of customer modes of behavior
during the new MMP period
Initiative for individuals loans field
Privileges granted to loan borrowers who purchase eco-friendly housing
Information services for people considering purchasing housing
Release of SX housing loans (RB/SR) (Apr. '23-)
(Expanded scope of SX housing covered by the loan scheme: low-carbon housing,
housing built using domestically produced wood, housing that conforms with "Anshin R❞
standards, etc.)
<Resona's mission >
Translate each customer initiative into value of social impact
■ Offer diverse solutions to serve customers at various
stages of initiatives
*1. The Small and Medium Enterprise Agency "2023 White Paper on Small and Medium Enterprises in Japan"
Customer phase
terms of SX initiatives
'23/3-
Made available
at RB/SR
Sustainability Linked Loans(SLL)
Private placement Green Bonds(GB)
Positive Impact Loan
⚫ Resona SX Framework Loan
Loan products with conditions linked to ESG
target accomplishments(TryNow)
SDGs Consulting Fund
✓ SDGs mapping + Simplified PR consulting
✓ Consulting on measures to achieve carbon neutrality
• A simplified CO2 emission calculation service
Private placement SDGs promotion bonds
Small and medium-sized enterprise
Offer information on legal
regulations, subsidy programs and
other industry trends for construction
and real-estate businesses
*2. Private placement SDGs promotion bonds, SDGs Consulting Fund, Loan products with conditions linked to ESG target accomplishments
and SLL/Green Loan, etc.
Mid-sized
'22/4 -
Made available
Large
Facilitate
the popularization of
eco-friendly housing
Resona Holdings, Inc.
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