Solving Environmental and Social Issues Through Sustainable Finance

The Norinchukin Bank Sustainable Finance Goals

As a member of cooperative organizations supporting the industries, The Norinchukin Bank understands that our businesses are part of the life and natural environment sustained through these industries. We pursue sustainability management, including support for the SDGs, to solve environmental and social issues, pursuing sustainability in society (including the AFF industries) and our business activities.
Our main contribution to this goal is through finance. We approach sustainable finance through the dual aspects of securing business opportunities and engaging in risk management.
In addition to credit decisions based on traditional finance risk, the Norinchukin Bank has adopted the ESG Integration framework. We use this framework not only for internal controls but also as a tool to engage in dialogue with our business partners.

  • Secure Business Opportunities

    Sustainable Finance

    We conduct investment and financing activities to generate profit and to contribute to the development of a sustainable environment and society and to the growth of the AFF industries.
    FY2021 new financeApproximately ¥1.5 trillion
    2030 medium/long-term goalNew finance ¥10 trillion

    Our sustainable finance refers to the following:

    ■ Investment and finance
    • sustainability linked loans, green loans, social loans, sustainability loans, transition loans
    • Investment and lending to companies with ESG-related certification, and authorized investment and lending
    • Other investment and lending for the resolution of environmental and social issues
    ■ Funding
    • Sustainability-related funding
    Breakdown
    ■ Investments and finance

    Approximately ¥1.4 trillion
    Market investment assets Approximately ¥0.9 trillion
    Project finance Approximately ¥0.4 trillion
    ESG loans Approximately ¥0.1 trillion

    ■ Funding

    Approximately
    ¥0.1 trillion

ESG Integration

We are striving to build a decision-making process for investment and finance decisions that integrates a recognition of environmental and social risk into credit decisions based on the traditional financial risk evaluation process.
This framework is a tool not only for internal controls but also for engaging in dialogue with customers based on non-financial information.

  • Risk Management

    Environmental and Social Risk Management (ESRM)

    We have built an ESRM framework to assess and manage environmental risks and social risks prior to making investment and financing decisions for individual customers and projects.

    ■ The ESRM Framework

    The ESRM Framework
ESG Integration

We are striving to build a decision-making process for investment and finance decisions that integrates a recognition of environmental and social risk into credit decisions based on the traditional financial risk evaluation process.
This framework is a tool not only for internal controls but also for engaging in dialogue with customers based on non-financial information.

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