In addition to natural disasters such as earthquakes and typhoons, and in the case of major economic fluctuations such as failure of order sources, Shoko Chukin Bank has opened a special consulting service at the request of the competent ministry and an independent Shoko Chukin Bank Consultation Service. Along with providing thorough consultation services, we are taking steps for a loan system using our own disaster recovery funds and demonstrating a safety net function.

Shoko Chukin Bank, a financial institution specializing in SMEs throughout Japan, recognizes the realization of a "sustainable society" as one of its important management challenges, and assertively and continuously makes efforts to contribute to the regional society and economy in harmony with their mission to increase the business value of the SMEs through their business activities and for environmental conservation.

1. 1.Compliance with Laws and Ordinances

   In addition to existing laws and regulations for environmental protection, Shoko Chukin bank agrees to comply with other requirements.

2. 2.Environmental Protection through Financial Services

   By utilizing the most of our nationwide network, while cooperating with national policies and the policies of local public bodies and providing financial products and financial services, we proactively support the business efforts of small business associations and small businesses who are engaged in environmental conservation and protection, and work to reduce the environmental risks to society as a whole.

3. 3.Efforts to Reduce the Environmental Impact of Our Business Activities

   We recognize the environmental burden of the consumption of resources through our business activities and the discharge of waste materials, and strive to conserve the environment by recycling resources and effectively utilizing energy and resources.

4. 4.Awareness and External Publicity for Employees

   In order to cultivate awareness of environmental issues among each of our management members, we strive to provide environmental training.

Moreover, activities based on this policy are announced and published on the Shoko Chukin Bank's website.

Shoko Chukin Bank cooperates with the Japan Trucking Association (Shinjuku-ku, Tokyo) to deal with a system to finance the purchase of vehicles conforming to gas emission regulations stipulated by the country.

In order to reduce the environmental impact of our business activities, Shoko Chukin Bank has been promoting the procurement of products compliant with sustainable procurement laws. Starting from April 2019, we have been using LIMEX, which is mostly composed of limestone, for posters within the bank, and will continue to make efforts to reduce environmental impact by conserving water and pulp resources.

In June 2017, Shoko Chukin Bank approved and signed on to the recommendations made by the TCFD (Task Force on Climate-Related Financial Disclosures), which was created by the Financial Stability Board (FSB) in response to a request from G20 in 2015.

• We have developed the "Comprehensive financial services business to support management", providing improved value to SMEs and small and medium enterprises associations from a truly long-term, customer-oriented perspective.

• We mainly focus on providing support for SMEs that need to improve their management, revitalize business, or business succession, as well as SMEs that are embarking on high-risk business ventures.

• We will work closely with our customers and strive to build a relationship of mutual trust with our customers.
• We will continue to deepen our dialogue with our customers, understand our customers' businesses and work to share their challenges.
• We will work towards providing solutions to solve our customers' problems.
• For these efforts, we will cooperate and collaborate with regional financial institutions based on a relationship of mutual trust.
• We will compete not only based on interest rates, which are not based on our relationship with the customers.