A Society Leaving No One Behind

Solving Social Issues Through Finance

Investment to support the diffusion of accessible housing for people with disabilities in Australia

In July 2025, The Norinchukin Bank concluded an agreement (arranged by Natixis CIB) to provide financing for a pool of Australian housing loans put together by the Australian non-bank financial services provider Columbus Capital Pty Ltd (Colcap).
This is the first financing deal in the world in which special housing for people with disabilities serves as part of the collateral. The Bank is investing a total $957.6 million (AUD) (of which $313.5 million is for the special housing).
Through this investment, we are financially supporting loans for special housing for people with disabilities, an area that Colcap is planning to increasingly focus on. By following Colcap’s efforts, we aim to promote the spread of such housing and help to improves the lives of people with disabilities.

Investment in Sustainable Development Bonds issued by the Inter-American Development Bank

The Bank has invested US$100 million in Sustainable Development Bonds ("Bonds") issued by the IDB (officially known as the Inter-American Development Bank).
Farming is a key theme of the Bonds, and proceeds from the Bonds will be used for projects aimed at solving problems related to farming in Central and South America and the Caribbean. Farming accounts for a large share of GDP in the regions, and while farming is an important industry, these regions face diverse challenges that include poverty among farmers, agricultural product safety, and poor price competitiveness. The investment in the Bonds will contribute to solving various agricultural problems in these regions, and through this investment, the Bank supports the IDB's efforts from the standpoint of an investor.

Initiatives to Achieve Financial Inclusion

Improving Financial Access in Each Location Throughout Japan using a Variety of Channels

The Bank aims to realize financing for everybody in order to promote responsible finance. By leveraging the strength of its comprehensive business, JA branches provide a variety of services. It is developing different channels to provide financial services to our members and users, even those in depopulated mountainous areas.

Opening of Yorisoi Plaza

We are introducing the Yorisoi Plaza, at which customers can easily use JA Bank services even when there is no branch with a financial counter nearby. Financial services are provided via remote consultation booths and ATMs at branches that lack financial counters. We also expect that this to function as a community venue for exchanges.

Introduction of mobile branches

JA Bank is promoting the implementation of mobile branches equipped with financial booths and ATM services for all JAs nationwide (as of March 31, 2025, 130 units had been deployed).
Mobile branches allow users to deposit and withdraw ordinary savings and update passbook entries. In addition to bank transfers and payment of taxes and utility bills, users can use consulting services about public pension benefit receipt, mutual insurance and more. These mobile branches are gaining greater recognition as the nearest financial institution in regions without a nearby consultation branch or ATM.
These nationally deployed mobile branches normally serve as a lifeline for rural and depopulated areas and can be utilized in times of disaster, offering financial services to affected areas.

LGBTQ-Friendly Mortgages

As part of realizing diversity, social interest in LGBTQIA+ persons has been increasing. In addition, the trend of introducing a “partnership system,“ which publicly recognizes the rights of LGBTQIA+ couples has accelerated in Japan in several local governments. In line with this trend, JA Bank commenced, in collaboration with Kyodo Housing Loan Co., Ltd. (KHL), a JA Bank Group company, the handling of housing loans that accept the qualification of LGBTQIA+ people, for which KHL’s corporate guarantee is effected, in several prefectures.
This loan product accepts the aggregation of a couple’s income for a housing loan for couples who are authorized by the partnership system of each local government.
In the future, we intend to increase the number of prefectures where this product is offered. In addition, we are proceeding with the investigation on the treatment of the guarantee offered by the Agriculture, Forestry and Fisheries Credit Foundations.