ESG Information
External evaluation
MSCI ESG Ratings
We have received the highest AAA as our MSCI ESG Rating*, which analyzes and evaluates the degree to which a company manages environmental, social, and governance risks.
- *THE USE BY Concordia Financial Group, Ltd. OF ANY MSCI ESG RESEARCH LLC OR ITS AFFILIATES ( “MSCI” ) DATA, AND THE USE OF MSCI LOGOS, TRADEMARKS, SERVICE MARKS OR INDEX NAMES HEREIN, DO NOT CONSTITUTE A SPONSORSHIP, ENDORSEMENT, RECOMMENDATION, OR PROMOTION OF Concordia Financial Group, Ltd. BY MSCI. MSCI SERVICES AND DATA ARE THE PROPERTY OF MSCI OR ITS INFORMATION PROVIDERS, AND ARE PROVIDED ‘AS-IS’ AND WITHOUT WARRANTY. MSCI NAMES AND LOGOS ARE TRADEMARKS OR SERVICE MARKS OF MSCI.
CDP
We were selected as an A-List, the highest rating, in the CDP* climate change survey.
- ※An organization that requests companies to disclose information about their greenhouse gas emissions and their efforts to address climate change
Pride Index 2024
We received the highest rating of “Gold” in the “Pride Index 2024,” which evaluates the company’s commitment to LGBTQ+ and other sexual minorities from the voluntary organization “Work with Pride”.
Next Nadeshiko: Companies Supporting Dual-career and Co-parenting
The Company was selected under the FY2023 “Next Nadeshiko: Companies Supporting Dual-career and Co-parenting” by the Ministry of Economy, Trade and Industry and the Tokyo Stock Exchange, Inc., as a listed company that is outstanding in terms of its efforts related to “gender-neutral support for dual-career and co-parenting”.
D&I Award 2023
We received the highest rank "Best Workplace" in the "D&I Award 2023," a certification system that evaluates corporate diversity and inclusion by JobRainbow Co., Ltd.
Excellent Health Management Corporation
The Bank of Yokohama has been certified as a “Health Management Excellent Corporation 2024 - White 500”, and Higashi-Nippon Bank as a “Health Management Excellent Corporation 2024” in the Large Corporations category of the “Health Management Excellent Corporations Certification System” established by the Ministry of Economy, Trade and Industry and the Japan Health Council.
Platinum Kurumin, Kurumin
The Bank of Yokohama has been certified by the Ministry of Health, Labour and Welfare as “Platinum Kurumin” and Higashi-Nippon Bank as “Kurumin” as defined by the Act on Advancement of Measures to Support Raising Next-Generation Children.
Eruboshi
The Bank of Yokohama has acquired the third level of “Eruboshi” (L Star) certification, which is granted to companies that have formulated and submitted a general business owner action plan and that meet certain requirements, such as excellent implementation of measures to promote women’s activities.
R&I Customer-Focused Financial Sales Company Evaluation
The Bank of Yokohama has received an “S+ rating” in the “R&I Customer-Focused Financial Sales Company Evaluation” published by Rating and Investment Information Inc., which is a credit rating agency.
DX Certified Enterprises
Our company and the Bank of Yokohama have been certified as “DX Certified Enterprises” in the “DX (Digital Transformation) Certification System” established by the Ministry of Economy, Trade and Industry (METI).
Participation in Initiatives
The Group participates in and endorses various initiatives to fulfill its social responsibilities as a financial institution, to meet the demands of the international community, and to contribute to the attainment of a sustainable society.
Included in ESG Indexes（as of June 30,2024）
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FTSE4GOOD Index Series 
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Companies demonstrating excellence in addressing ESG issues are selected to be part of the global ESG index created by FTSE Russell of the London Stock Exchange Group. |
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FTSE Blossom Japan Index 
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The ESG index was created by FTSE Russell specifically for Japanese companies, and selects companies that have taken outstanding ESG measures. |
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FTSE Blossom Japan Sector Relative Index 
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The ESG index was constructed by FTSE Russell specifically for Japanese companies, and reflects the relative performance of Japanese companies taking outstanding ESG measures in their respective sectors. Furthermore, in order to promote the transition to a low-carbon economy, only companies with particularly high greenhouse gas emissions, and for which improvement efforts have been evaluated by the TPI Management Quality Score *, are included.
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S&P/JPX Carbon Efficient Index 
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The index uses TOPIX, a representative stock price index indicating trends in the Japanese market, as its universe, and determines the weight of constituent stocks by focusing on the status of environmental information disclosure and the level of carbon efficiency (carbon emissions per unit of sales). |
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MSCIジャパンESGセレクト・リーダーズ指数 
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Developed by MSCI, Inc. (U.S.A.), this stock index for ESG investing selects companies that excel in ESG evaluations.
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MSCI Japan Empowering Women Select Index（WIN） 
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Developed by MSCI, Inc. (U.S.A.), this stock index for ESG investing selects as its constituents leading companies that support women's labor participation and advancement and have a diversity policy.
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Morningstar® Japan ex-REIT Gender Diversity Tilt IndexSM （GenDi J） 
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This index is designed by Morningstar, utilizing data and evaluation methods provided by Equileap, to enable investment in companies that have strong gender diversity policies embedded in their corporate culture and that ensure equal opportunities to employees, irrespective of their gender. We are in Group 1, the highest tier of GenDi J.
Morningstar, Inc., and/or one of its affiliated companies (individually and collectively, “Morningstar”) has authorized Concordia Financial Group, Ltd. to use of the Morningstar Japan ex-REIT Gender Diversity Tilt Logo (“Logo”) to reflect the fact that, for the designated ranking year, Concordia Financial Group, Ltd. ranks in the top quintile of companies comprising the Morningstar® Japan ex-REIT Gender Diversity Tilt IndexSM (“Index”) on the issue of gender diversity in the workplace. Morningstar is making the Logo available for use by Concordia Financial Group, Ltd. for informational purposes. Concordia Financial Group, Ltd. use of the Logo should not be construed as an endorsement by Morningstar of Concordia Financial Group, Ltd. or as a recommendation, offer or solicitation to purchase, sell or underwrite any security associated with Concordia Financial Group, Ltd. The Index is designed to reflect gender diversity in the workplace in Japan, but Morningstar does not guarantee the accuracy, completeness or timeliness of the Index or any data included in it. Morningstar makes no express or implied warranties regarding the Index or the Logo, and expressly disclaim all warranties of merchantability or fitness for a particular purpose or use with respect to the Index, any data included in it or the Logo. Without limiting any of the foregoing, in no event shall Morningstar or any of its third party content providers have any liability for any damages (whether direct or indirect), arising from any party’s use or reliance on the Index or the Logo, even if Morningstar is notified of the possibility of such damages. The Morningstar name, Index name and the Logo are the trademarks or services marks of Morningstar, Inc. Past performance is no guarantee of future results.
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