ESG Information

External evaluation

MSCI ESG Ratings

We have received an AA 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.

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    An organization that requests companies to disclose information about their greenhouse gas emissions and their efforts to address climate change
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.

Pride Index 2023

We received the highest rating of “Gold” in the “Pride Index 2023,” which evaluates the company’s commitment to LGBTQ+ and other sexual minorities from the voluntary organization “Work with Pride”.

Excellent Health Management Corporation

The Bank of Yokohama has been certified as a “Health Management Excellent Corporation 2023 - White 500”, and Higashi-Nippon Bank as a “Health Management Excellent Corporation 2023” 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-Oriented Investment Trust Distributor Evaluation

The Bank of Yokohama and Hamagin TT Securities, a member of our group, have received “S+” and “S” ratings, respectively, in the “R&I Customer-Oriented Investment Trust Distributor Evaluation” published by Rating and Investment Information, Inc., which rates trusts.

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 Jan 30,2024）

index contents

FTSE4GOOD Index Series

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.

FTSE Blossom Japan Index

The ESG index was created by FTSE Russell specifically for Japanese companies, and selects companies that have taken outstanding ESG measures.

FTSE Blossom Japan Sector Relative Index

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.

  • (*)
    A score that assesses the quality of a company's management of its greenhouse gas emissions and the risks and opportunities associated with the transition to low-carbon.

S&P/JPX Carbon Efficient Index

 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).

MSCI Japan Empowering Women Select Index（WIN）

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.

  • *
    THE INCLUSION OF Concordia Financial Group, Ltd. IN ANY MSCI INDEX, AND THE USE OF MSCI LOGOS, TRADEMARKS, SERVICE MARKS OR INDEX NAMES HEREIN, DO NOT CONSTITUTE A SPONSORSHIP, ENDORSEMENT OR PROMOTION OF Concordia Financial Group, Ltd. BY MSCI OR ANY OF ITS AFFILIATES. THE MSCI INDEXES ARE THE EXCLUSIVE PROPERTY OF MSCI. MSCI AND THE MSCI INDEX NAMES AND LOGOS ARE TRADEMARKS OR SERVICE MARKS OF MSCI OR ITS AFFILIATES.

Morningstar® Japan ex-REIT Gender Diversity Tilt IndexSM （GenDi J）

 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.