Green Bond Framework

The Concordia Financial Group ("Concordia" FG) is a regional financial group that operates mainly in Kanagawa Prefecture and Tokyo, and includes The Bank of Yokohama and Higashi-Nippon Bank. In our banking work we provide securities services, leasing services, information services and research services, and venture capital services.

As a regional financial institution, the Concordia FG aims to become a bridge between all stakeholders and to engage in corporate activities aimed at solving social issues, thereby achieving sustainable growth and development together with local communities. To this end, the Concordia FG is working to build a sustainable society through corporate activities such as revitalization of local economies, urban development, support for enriching people's lives, and environmentally friendly initiatives. The Concordia FG Group Environmental Policy stipulates that we will support our customers in addressing environmental issues through the development and provision of products and services, and promote resource and energy conservation and waste recycling to reduce our environmental impact. Among the Sustainability Long-term KPIs established by Concordia FG based on this policy are providing 1 trillion yen of Green finance (between FY 2019 and FY 2030), and achieving carbon neutrality (Scope 1 and 2) by FY 2030 to reduce our environmental impact. We will further promote these initiatives by utilizing the funds raised through the issuance of Green Bonds.