Sustainability-Linked Loans Issuance List (Domestic) | Sustainability-Linked Loan Issuance Data | Loans

Domestic Issuance List of Sustainability Linked Loan

The first sustainability linked loan in Japan was executed in 2019. The following are major execution cases in Japan.

Case study of major Sustainability Linked Loan in Japan

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Borrowers	Categories	Lenders	Time of Loan Execution	Term of the Loan	External Reviewer	Loan Amount	Currency	Sustainability Performance Targets	Characteristics of the loan	Reporting Policy
Nomura Real Estate Master Fund, Inc.	Finance (including REITs)	The Norinchukin Bank	November, 2024	8 years and 6 months	Japan Credit Rating Agency, Ltd.	2	billion yen	Reduce total GHG emissions* by 80% from FY 2019 levels by FY 2030 * Scope 1, 2, and 3 (Category 13 (emissions from tenant leased assets (downstream)))	The interest rate is stepped up or down based on the achievement of the SPT.	The Fund intends to publish the results of the SPT on the Fund's website and other media until the redemption/repayment of the bonds or borrowings executed under the Framework. In addition, when reporting on the performance of the SPT each year, the Fund intends to obtain an independent third-party verification, and will publish on its website materials evidencing that it has obtained such verification.
Towa Corporation (東和)	Manufacturing	THE TOHO BANK, LTD.	November, 2024	ー	TOHO AREA RESEARCH INSTITUTE	ー	ー	Reduce the Towa Group's CO₂ emissions (Scope 1 and Scope 2) reduction rate (per production volume) to 27.0% of the FY2023 level by FY2033.	The company is required to report in writing to The Toho Bank by the reporting deadline on its progress in achieving the SPTs, and if it is confirmed that it has achieved the target figures, the interest rate applicable to the loan period will be reduced.	The company shall report to The Toho Bank once a year in writing that confirms the status of achievement of the SPTs. Upon verification by the Toho Area Research Institute, the company shall submit to The Toho Bank, in writing, documents that can confirm the status of achievement of the SPTs.
Nomura Real Estate Master Fund, Inc.	Finance (including REITs)	MUFG Bank, Ltd. Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd.	November, 2024	8 years and 6 months	Japan Credit Rating Agency, Ltd.	4.5	billion yen	Reduce total GHG emissions* by 80% from FY 2019 levels by FY 2030 * Scope 1, 2, and 3 (Category 13 (emissions from tenant leased assets (downstream)))	The interest rate is stepped up or down based on the achievement of the SPT.	The Fund intends to publish the results of the SPT on the Fund's website and other media until the redemption/repayment of the bonds or borrowings executed under the Framework. In addition, when reporting on the performance of the SPT each year, the Fund intends to obtain an independent third-party verification, and will publish on its website materials evidencing that it has obtained such verification.
Shinwa Co., Ltd.	Manufacturing	Daishi Hokuetsu Bank, Ltd	November, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	CO₂ emissions per sales (Scope 1 and 2) （actual result：2024/Aug. 0.224 t-CO₂) 【Target】（t-CO₂、figures in parentheses indicate reduction rate compared to 2022/Aug.） 2025/Aug. 0.214 (4.2%) 2026/Aug. 0.205 (8.4%) 2027/Aug. 0.195 (12.6%) 2028/Aug. 0.186 (16.8%) 2029/Aug. 0.177 (21.0%) 2030/Aug. 0.167 (25.2%)	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
sakari sogo plan Inc.	Real estate and construction	The 77 Bank, Ltd.	November, 2024	ー	77 Research and Consulting Co.,Ltd.	0.05	billion yen	Achieve a ZEB specification ratio of 60% in new buildings (new construction) designed by the Company by the fiscal year ending August 2029.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
YAMATO JYUKEN, INC	Real estate and construction	The Hiroshima Bank, Ltd.	November, 2024	5 years	HIROGIN area design Co. Ltd.	0.3	billion yen	ZEH (Net Zero Energy House) commission rate （actual result：FY2021 77%、FY2022 88%、FY2023 85%) 【Target】 FY2024　90％ or more FY2025　90％ or more FY2026　90％ or more FY2027　90％ or more FY2028　90％ or more	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
DASH (ダッシュ)	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	November, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Number of members aged 61 and older	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Japan Real Estate Investment Corporation	Finance (including REITs)	THE BANK OF FUKUOKA., LTD.	November, 2024	10 years	Japan Credit Rating Agency, Ltd.	2	billion yen	Reduce CO₂ emissions by 80% by FY2030 (compared to FY2019, on a total amount basis)	The arrangement allows the financial characteristics to vary depending on the achievement of the SPT. The changes include a step-up/step-down in the interest rate.	It plans to disclose on an annual basis on its website the actual results of the KPIs and the achievement of the SPTs for the reporting period, as well as information on the borrower's latest sustainability strategy in relation to the KPIs and the SPTs.
&Do Holdings Co., Ltd.	Real estate and construction	The 77 Bank, Ltd.	November, 2024	ー	77 Research and Consulting Co.,Ltd.	0.5	billion yen	ー	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
SHIRAKIN	Others (including service industry)	The 77 Bank, Ltd.	November, 2024	ー	77 Research and Consulting Co.,Ltd.	ー	ー	Increase shipments of recycled plastic raw materials to 550 tons in the fiscal year ending September 2028.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
UCHIDA (ウチダ)	Manufacturing	The 77 Bank, Ltd.	November, 2024	ー	77 Research and Consulting Co.,Ltd.	0.1	billion yen	Reduce CO₂ emissions (Scope 1 + Scope 2) per million yen of sales by 46% by the fiscal year ending June 2031, based on the fiscal year ending June 2022.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
CHIBAMASA (千葉正工務店)	Real estate and construction	The 77 Bank, Ltd.	November, 2024	ー	77 Research and Consulting Co.,Ltd.	0.05	billion yen	Achieve a paid leave utilization rate of 90.0% by the fiscal year ending July 31, 2029, and maintain 90.0% thereafter through the fiscal year ending July 31, 2045.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Daishi Hokuetsu Bank, Ltd	November, 2024	７ years	Rating & Investment Information, Inc.	1	billion yen	Reduce CO₂ emissions intensity in logistics properties (Scope 1 and 2) by 90% from 2016 levels by the end of 2027	① If the emission intensity is reduced by 90% (SPT achieved): Initial interest rate -0.02% ② If the emission intensity increases compared to 2016 (SPT not achieved): Initial interest rate +0.02% If neither ① nor ② applies (SPT not achieved): Initial interest rate is applied	The Investment Corporation plans to disclose the KPI performance on its website every year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Sumitomo Mitsui Banking Corporation	November, 2024	８ years	Rating & Investment Information, Inc.	1.6	billion yen	Reduce CO₂ emissions intensity in logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	① If the emission intensity is reduced by 100% (SPT achieved): Initial interest rate -0.02% ② If the emission intensity increases compared to 2016 (SPT not achieved): Initial interest rate +0.02% If neither ① nor ② applies (SPT not achieved): Initial interest rate is applied"	The Investment Corporation plans to disclose the KPI performance on its website every year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	The Joyo Bank, Ltd.	November, 2024	８ years	Rating & Investment Information, Inc.	0.5	billion yen	Reduce CO₂ emissions intensity in logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	① If the emission intensity is reduced by 100% (SPT achieved): Initial interest rate -0.02% ② If the emission intensity increases compared to 2016 (SPT not achieved): Initial interest rate +0.02% If neither ① nor ② applies (SPT not achieved): Initial interest rate is applied"	The Investment Corporation plans to disclose the KPI performance on its website every year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Shinkin Central Bank	November, 2024	８ years	Rating & Investment Information, Inc.	1	billion yen	Reduce CO₂ emissions intensity in logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	① If the emission intensity is reduced by 100% (SPT achieved): Initial interest rate -0.02% ② If the emission intensity increases compared to 2016 (SPT not achieved): Initial interest rate +0.02% If neither ① nor ② applies (SPT not achieved): Initial interest rate is applied"	The Investment Corporation plans to disclose the KPI performance on its website every year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Sumitomo Mitsui Banking Corporation	November, 2024	９ years	Rating & Investment Information, Inc.	1.5	billion yen	Reduce CO₂ emissions intensity in logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	① If the emission intensity is reduced by 100% (SPT achieved): Initial interest rate -0.02% ② If the emission intensity increases compared to 2016 (SPT not achieved): Initial interest rate +0.02% If neither ① nor ② applies (SPT not achieved): Initial interest rate is applied"	The Investment Corporation plans to disclose the KPI performance on its website every year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	The Yamagata Bank,Ltd	November, 2024	９ years	Rating & Investment Information, Inc.	1	billion yen	Reduce CO₂ emissions intensity in logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	① If the emission intensity is reduced by 100% (SPT achieved): Initial interest rate -0.02% ② If the emission intensity increases compared to 2016 (SPT not achieved): Initial interest rate +0.02% If neither ① nor ② applies (SPT not achieved): Initial interest rate is applied"	The Investment Corporation plans to disclose the KPI performance on its website every year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	The 77 Bank, Ltd.	November, 2024	９ years	Rating & Investment Information, Inc.	0.7	billion yen	Reduce CO₂ emissions intensity in logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	① If the emission intensity is reduced by 100% (SPT achieved): Initial interest rate -0.02% ② If the emission intensity increases compared to 2016 (SPT not achieved): Initial interest rate +0.02% If neither ① nor ② applies (SPT not achieved): Initial interest rate is applied"	The Investment Corporation plans to disclose the KPI performance on its website every year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Mizuho Bank, Ltd.	November, 2024	10 years	Rating & Investment Information, Inc.	1.2	billion yen	Reduce CO₂ emissions intensity in logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	① If the emission intensity is reduced by 100% (SPT achieved): Initial interest rate -0.02% ② If the emission intensity increases compared to 2016 (SPT not achieved): Initial interest rate +0.02% If neither ① nor ② applies (SPT not achieved): Initial interest rate is applied"	The Investment Corporation plans to disclose the KPI performance on its website every year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	THE YAMAGUCHI BANK, LTD.	November, 2024	10 years	Rating & Investment Information, Inc.	1	billion yen	Reduce CO₂ emissions intensity in logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	① If the emission intensity is reduced by 100% (SPT achieved): Initial interest rate -0.02% ② If the emission intensity increases compared to 2016 (SPT not achieved): Initial interest rate +0.02% If neither ① nor ② applies (SPT not achieved): Initial interest rate is applied"	The Investment Corporation plans to disclose the KPI performance on its website every year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	SBI Shinsei Bank, Limited	November, 2024	10 years	Rating & Investment Information, Inc.	1	billion yen	Reduce CO₂ emissions intensity in logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	① If the emission intensity is reduced by 100% (SPT achieved): Initial interest rate -0.02% ② If the emission intensity increases compared to 2016 (SPT not achieved): Initial interest rate +0.02% If neither ① nor ② applies (SPT not achieved): Initial interest rate is applied"	The Investment Corporation plans to disclose the KPI performance on its website every year.
Social Welfare Corporation Miyamakai	Others (including service industry)	The Gunma Bank,Ltd.	October, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Achieve an annual paid leave utilization rate of at least 70% in the fiscal year ending March 31, 2026, and maintain 70% thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Yukyudo Inc.	Wholesale and retail trade	Daishi Hokuetsu Bank, Ltd	October, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Annual paid leave acquisition rate（％）（actual result：2024/Sep. 　37.6％）【Target】 2025/Sep. 40.0 2026/Sep. 50.0 2027/Sep. 60.0 2028/Sep. 70.0 2029/Sep. 73.0 2030/Sep. 75.0	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
KAIHARA Co., Ltd.	Manufacturing	The Hiroshima Bank, Ltd.	October, 2024	5 years	HIROGIN area design Co. Ltd.	0.1	billion yen	Reduction of industrial waste emissions (t) (sludge, lint, waste plastic) （actual result：FY2021　2,036.5t、FY2022 1,776.8t、FY2023　1,683.2t) 【Target】 FY2024 1,697.4 t FY2025 1,622.5 t FY2026 1,551.2 t FY2027 1,535.7 t FY2028 1,520.4 t	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
Kumagai Gumi Co.,Ltd.	Real estate and construction	The Hokuriku Bank, Ltd.	October, 2024	ー	Rating & Investment Information, Inc.	ー	ー	SPT①CO₂ emission reduction rate for Scope 1 + Scope 2 FY2024　21.0% FY2025　25.2% FY2026　29.4% FY2027　33.6% FY2028　37.8% FY2029　42.0% SPT②CO₂ emission reduction rate for Scope ３ FY2024　12.5% FY2025　15.0% FY2026　17.5% FY2027　20.0% FY2028　22.5% FY2029　25.0%	The interest rate will vary depending on the achievement of the SPTs. Variations in the interest rate are designed to decrease when SPTs are achieved or to increase when SPTs are not achieved.	Kumagai Gumi shall disclose the following items on its website and report them to lenders, with the first report due at the end of September of each year, beginning with the fiscal year following the fiscal year to which the execution date belongs. ・Actual values of KPI① and KPI② in the fiscal year preceding the fiscal year to which the reporting date belongs ・Status of achievement of SPT① and SPT② in the fiscal year preceding the fiscal year to which the reporting date belongs ・Other information on the Kumagai Group's latest sustainability strategies related to the KPIs and SPTs
Heiwa Real Estate Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.	ー	ー	Obtain and maintain a leadership level (A, A-) in the CDP climate change score until 2030	It fluctuates depending on the achievement of the SPT. The specific details of the fluctuation are changes in the spread.	Heiwa Real Estate Co., Ltd. plans to report on the following items for the accounting period preceding the fiscal year to which the reporting date belongs. The above report will be published on its website. ・Actual results of KPI for the reporting period ・Status of achievement of SPTs during the reporting period
Chugoku Artec (中国アーテック)	Manufacturing	The Hiroshima Bank, Ltd.	October, 2024	10 years	HIROGIN area design Co. Ltd.	0.03	billion yen	Amount of agricultural products purchased that lead to disposal losses (kg) 【Target】 2025/Sep. 100 2026/Sep. 120 2027/Sep. 144 2028/Sep. 173 2029/Sep. 207 2030/Sep. 249 2031/Sep. 299 2032/Sep. 358 2033/Sep. 430 2034/Sep. 516	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
TAKAHASHI KASETSU	Real estate and construction	Daishi Hokuetsu Bank, Ltd	October, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Sales of original products that improve safety and efficiency at scaffolding construction sites （actual result：2024/Feb. 27,094 thousand yen）【Target】 (Unit: thousand yen、Figures in parentheses are year-on-year increase rates.） 2025/Feb. 70,000 (158.4%) 2026/Feb. 81,600 (16.60%) 2027/Feb. 93,200 (14.20%) 2028/Feb. 104,880 (12.50%) 2029/Feb. 116,400 (11.00%) 2030/Feb. 128,000 (10.00%) 2031/Feb. 140,000 ( 9.40%)	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
MORE	Real estate and construction	The Gunma Bank,Ltd.	October, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Achieve an annual paid leave utilization rate of at least 70% at Hinshunkai Medical Corporation(医療法人社団彬俊会)* by the fiscal year ending July 31, 2027, and maintain it thereafter. * MORE is a real estate leasing and management company established to enhance the welfare of executives and employees of Hinshunkai Medical Corporation.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Yamada Manufacturing (ヤマダ製作所)	Manufacturing	Kyoto Chuo Shinkin Bank	October, 2024	ー	Japan Credit Rating Agency, Ltd.　※	ー	ー	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 54.2 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　52.0t (-4.1％) FY2025　52.0t (-4.1％) FY2026　52.0t (-4.1％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Tostec Co., Ltd.	Manufacturing	The Gunma Bank,Ltd.	October, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Introduce at least one next-generation vehicle* each fiscal year, and increase the ratio of next-generation vehicles in the fleet to at least 75% by the fiscal year ending February 2034. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Nagase & Co., Ltd.	Wholesale and retail trade	Syndication method (Arranger:MUFG Bank, Ltd.）The Bank of Kyoto, Ltd., Saitama Resona Bank,Limited, The Juroku Bank, Ltd., Shinkin Central Bank, THE TAIKO BANK,LTD., The Chukyo Bank, Ltd、, THE TOHO BANK, LTD., TOMATO BANK, LTD., THE FIRST BANK OF TOYAMA, LTD.、, THE BANK OF NAGASAKI, LTD., The Norinchukin Bank, THE HACHIJUNI BANK,LTD., The Hiroshima Bank, Ltd. , THE HOKKAIDO BANK,LTD., The Musashino Bank,Ltd., THE YAMANASHI CHUO BANK, LTD.	October, 2024	-	Japan Credit Rating Agency, Ltd.	20	billion yen	SPT① Reduce the NAGASE Group's greenhouse gas emissions (Scope 3) by at least 12.3% in FY2030 compared to FY2020. SPT② Calculate and disclose at least 30% (on an emissions basis) of the NAGASE Group's Scope 3 Category 1 greenhouse gas emissions in FY2030 using actual emissions data received by the borrower from its suppliers.	The interest rate varies depending on the SPT achievement.	ー
Fuyo General Lease Co., Ltd	Finance (including REITs)	Syndication method (Arranger:Mizuho Bank, Ltd.)Development Bank of Japan Inc. 、The Norinchukin Bank、Mizuho Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.	10	billion yen	① Amount of contribution to CO₂ reduction: 500,000 t-CO₂/year in FY2026 ② Amount of funds invested to promote decarbonization: 300 billion yen over 5 years (FY2022-FY2026) ③ Renewable energy generation capacity: 1,000 MW in FY2026 ④ EV/FCV ratio in vehicle fleet: 30% by FY2026 ⑤ Amount of finance for decarbonization promotion: Cumulative total of 15 billion yen over 5 years (FY2022-FY2026) ⑥ Expenses related to human resource development (non-consolidated): 300% in FY2026 (compared to FY2021)	Financial and structural characteristics change according to the achievement of SPTs (in this case linked to executive compensation).	The Company discloses the following information on its website until the Sustainability Linked Financing under the Framework is redeemed. In the case of syndicated loans, the Company may report to the lender through its agent. ・Latest actual performance figures related to KPIs ・Progress on SPTs ・Information on the latest sustainability strategies related to KPIs and SPTs ・If SPTs have not been met and donations have been made, the recipients of the donations, the amount of the donations, and when the donations were made ・If changes in executive compensation were used, percentage of achievement relative to plan used to calculate performance-linked compensation
EXEO Group, Inc.	Real estate and construction	Syndication method (Arranger:Mizuho Bank, Ltd.)	October, 2024	5 years	Japan Credit Rating Agency, Ltd.	18.8	billion yen	Reduce GHG emissions (Scope 1 + 2) by 35.12% by FY2028 compared to FY2020	If even one SPT is not achieved, an amount equivalent to 0.01% of the principal balance will be donated to a qualified donor.	The progress of SPTs, which constitute the EXIO Group's KPIs, will be announced on the website on an annual basis.
Aramaki Gakuen (学校法人荒巻学園)	Others (including service industry)	The 77 Bank, Ltd.	October, 2024	ー	77 Research and Consulting Co.,Ltd.	0.33	billion yen	Increase paid leave utilization rate to 90% or more by the fiscal year ending March 2029, and maintain that rate until the fiscal year ending March 2046.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
O.D.I	Real estate and construction	The 77 Bank, Ltd.	October, 2024	ー	77 Research and Consulting Co.,Ltd.	0.05	billion yen	Increase the number of contracts for survey and design work for renewable energy projects to 45 by 2029/September.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Platinum Space Co., Ltd.	Real estate and construction	The Gunma Bank,Ltd.	October, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Achieve an annual paid leave utilization rate of at least 70% in the fiscal year ending December 31, 2026, and maintain 70% thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Acreeg Corporation	Others (including service industry)	The Ashikaga Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.※	ー	ー	Obtaining SBT certification for small and medium-sized enterprises	A mechanism has been set up to change the interest rate if a pre-set SPT is achieved.	The Ashikaga Bank plans to review SPT performance for each borrower at least once a year from loan origination to full repayment. With respect to reporting, Ashikaga Bank intends to encourage borrowers to disclose SPT performance on the borrower's website or other disclosure materials.
ICHIDA CO., LTD.	Manufacturing	The Bank of Kyoto, Ltd.	October, 2024	5 years	Japan Credit Rating Agency, Ltd.	0.05	billion yen	Acquisition of Eruboshi/Platinum Eruboshi Certification	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
Daishin Mokkou (大伸木工)	Manufacturing	THE SEISHIN SHINKIN BANK.	October, 2024	5 years	Rating & Investment Information, Inc. ※	0.01	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
GLORY LTD.	Manufacturing	Sumitomo Mitsui Trust Bank, Limited	October, 2024	ー	Rating & Investment Information, Inc.	ー	ー	Reduction rate of CO₂ emissions (Scope 1 and 2) in the Glory Group for each target fiscal year shall be at least the following values. 【Targets】（FY2022　base year） FY2024　10.60% FY2025　15.90% FY2026　21.20% FY2027　26.50% FY2028　31.80% FY2029　37.10% FY2030　42.40%	Depending on the achievement of the SPT, (1) donation, (2) purchase of emission credits (J-credits, non-fossil certificates) or green power certificates, or (3) step up/down of the interest rate will be implemented.	Glory's actual performance from the fiscal year following the timing of each financing to the fiscal year subject to determination shall be disclosed annually in Glory's Integrated Reporting or on its website. Reporting disclosures include the base year for the KPI and the actual results for each year, as well as information on Glory's latest sustainability strategy as it relates to the KPI and SPT.
Maxell, Ltd.	Manufacturing	Development Bank of Japan Inc.	October, 2024	ー	ー	ー	ー	Reduce the Maxell Group's CO₂ emissions (Scope 1 and 2) to 51,343 t-CO₂ in FY2026.	Linkage between SPT achievement status and lending conditions, etc.	Maxell will report to DBJ once a year on the progress of SPT performance and the latest information on the status of achievement after verification by Maxell, respectively, in accordance with the terms and conditions of the pre-determined contract. Maxell plans to disclose information on the achievement status of the SPT on its website.
Utsunomiya Higashi Law Office (弁護士法人宇都宮東法律事務所)	Others (including service industry)	The Ashikaga Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.※	ー	ー	Acquisition of Kurumin certification	A mechanism has been set up to change the interest rate if a pre-set SPT is achieved.	The Ashikaga Bank plans to review SPT performance for each borrower at least once a year from loan origination to full repayment. With respect to reporting, Ashikaga Bank intends to encourage borrowers to disclose SPT performance on the borrower's website or other disclosure materials.
W.H	Real estate and construction	The 77 Bank, Ltd.	October, 2024		77 Research and Consulting Co.,Ltd.	0.08	billion yen	Increase the number of units of renovated and rehabilitated homes that are at least 25 years old to 252 units by the fiscal year ending March 31, 2028.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Michinoku-kanzai Inc.	Wholesale and retail trade	The 77 Bank, Ltd.	October, 2024	ー	77 Research and Consulting Co.,Ltd.	0.05	billion yen	Achieve 90% paid leave acquisition rate by June 2029	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
SK Foods (エスケーフーズ)	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022　11.8866　t-CO₂/100 million yen）【Target】（t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　11.2447 （▲5.4％） FY2025　10.9238 （▲8.1％） FY2026　10.6029 （▲10.8％） FY2027　10.2819 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
edokenhouse Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.	0.155	billion yen	Reduce CO₂ emissions to 18.9% of FY2023 levels by FY2030 （actual result：FY2023　125.1315 t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
souka kensetsu (創家建設工業)	Real estate and construction	The Chiba Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022　9.8201　t-CO₂/100 million yen）【Target】（t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　9.2898 （▲5.4％） FY2025　9.0246 （▲8.1％） FY2026　8.7595 （▲10.8％） FY2027　8.4944 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Tideway Japan (タイドウェイジャパン)	Wholesale and retail trade	The Chiba Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023　1.4903　t-CO₂/100 million yen）【Target】（t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　1.4500　(▲2.7％) FY2025　1.4098　(▲5.4％) FY2026　1.3696　(▲8.1％) FY2027　1.3293　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Best Support Systems Co.,Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.	0.1	billion yen	SPT① Acquisition of certification as a Excellent Health Management Corporation (small and medium size corporation category) during the loan period SPT② Acquisition of certification as a Excellent Health Management Corporation (Bright 500) during the loan period	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Mercury Inc.	Others (including service industry)	The Chiba Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.	0.3	billion yen	Acquisition of certification as a Excellent Health Management Corporation (Bright 500)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Martha Medical	Others (including service industry)	The Chiba Bank, Ltd.	October, 2024	ー	Japan Credit Rating Agency, Ltd.	0.31	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023　10.8009　t-CO₂/100 million yen）【Target】（t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　10.5093　(▲2.7％) FY2025　10.2177　(▲5.4％) FY2026　9.9260　(▲8.1％) FY2027　9.6344　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
TAKIYA (滝谷建設工業)	Real estate and construction	THE TOHO BANK, LTD.	October, 2024	ー	TOHO AREA RESEARCH INSTITUTE	0.1	billion yen	SPT① Increase the paid leave utilization rate by 3% annually from FY2024 onward, to 72% by FY2028. SPT② Increase the rate of male employees taking parental leave to 100% in FY2024 and beyond.	The company is required to report in writing to The Toho Bank by the reporting deadline on its progress in achieving the SPTs, and if it is confirmed that it has achieved the target figures, the interest rate applicable to the loan period will be reduced.	The company shall report to The Toho Bank once a year in writing that confirms the status of achievement of the SPTs. Upon verification by the Toho Area Research Institute, the company shall submit to The Toho Bank, in writing, documents that can confirm the status of achievement of the SPTs.
Japan Real Estate Investment Corporation	Finance (including REITs)	Mizuho Bank, Ltd.	October, 2024	10 years	Japan Credit Rating Agency, Ltd.	2.5	billion yen	Reduce CO₂ emissions by 80% by FY2030 (compared to FY2019, on a total amount basis)	If the achievement standards set in the SPT are achieved in April 2025, April 2028, April 2031, and April 2032, an interest rate 0.01% lower than the above rate will be applied until the next confirmation of the achievement standards (the final repayment date).	JRE plans to disclose annually on its website the actual values of the KPIs during the reporting period, the progress of the SPTs during the reporting period, and information on the borrower's latest sustainability strategies related to the KPIs and SPTs until the final judgment date of the borrowings executed under this framework. In addition, the progress of the SPTs will be published on the website after obtaining a verification report from an independent third party.
LOGOSHOME (ロゴスホーム)	Real estate and construction	North Pacific Bank,Ltd.	October, 2024	ー	Hokkaido Kyoso Partners	ー	ー	Ratio of ZEH to the total number of housing units supplied by the Logos Holdings Group （actual result：FY2021　29.8%、FY2022 61.3％、FY2023 91.9％）【Target】 FY2024 93.40% FY2025 94.50% FY2026 95.50% FY2027 96.50% FY2028 97.50% FY2029 97.50%	If the achievement of the SPT is confirmed, the interest rate will be reduced at an annual rate per annum against the initial interest rate from interest payments falling on or after the determination date until the repayment date or the next determination date.	The progress of the SPT will be reported to lenders annually and will be made public on the Logos Holdings website.
Wakokai Medical Corporation (医療法人和光会)	Others (including service industry)	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to 80% or more by the fiscal year ending March 2027, and maintain that rate thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Yamato House CO., LTD	Real estate and construction	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Achieve an annual paid leave utilization rate of at least 70% in the fiscal year ending December 31, 2027, and maintain 70% thereafter at Yamato Service Co.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Maniha Foods	Food, Beverages, Tobacco, etc.	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Achieve an annual paid leave utilization rate of at least 77% from December 2024, and maintain it at 78% or higher from December 2026.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Plamold Co., Ltd.	Manufacturing	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on the fiscal year ending March 31, 2024.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
FK sangyo (有限会社FK産業)	Real estate and construction	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Reduce greenhouse gas emissions by 3.7% per year as a percentage of sales based on the fiscal year ending August 2024.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Hotel Isobe Garden	Others (including service industry)	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the ratio of next-generation vehicles* in the company's fleet to 100% by the fiscal year ending May 31, 2029 and maintain it thereafter. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
ARIGAEN GOLF Co,.Ltd.	Wholesale and retail trade	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Achieve 100% male childcare leave utilization rate every fiscal year.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Urabe Jyuusou (浦部住総)	Real estate and construction	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Reduce greenhouse gas emissions by 3.7% per year based on FY2023/Nov.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Nursing Home Hokuto	Others (including service industry)	THE HYAKUGO BANK,LTD.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Greenhouse gas emissions reduction rate (compared to 2024/Mar.) 【Target】 2025/Mar. 4.20% 2026/Mar. 8.40% 2027/Mar. 12.60% 2028/Mar. 16.80% 2029/Mar. 21.00% 2030/Mar. 25.20% 2031/Mar. 29.40%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Nalt (有限会社ナルト)	Real estate and construction	THE HYAKUGO BANK,LTD.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Greenhouse gas emissions reduction rate（compared to 2024/Mar. ）【Target】 2025/Mar. 6% 2026/Mar. 12% 2027/Mar. 18% 2028/Mar. 24% 2029/Mar. 30%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Sakae Seiki (栄精機)	Manufacturing	THE HYAKUGO BANK,LTD.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Greenhouse gas emissions reduction rate (compared to 2024/July) 【Target】 2025/July 4% 2026/July 8% 2027/July 13% 2028/July 17% 2029/July 21% 2030/July 25.20% 2031/July 29.40%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Oort	Others (including service industry)	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to at least 80% at Tokuyoshi（トクヨシ精機） by 2025/June, and maintin 80% thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Shineikai Medical Corporation (医療法人新瑛会)	Others (including service industry)	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to at least 70% by 2031/March.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
SHODA Seisakusho Co., Ltd.	Manufacturing	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Maintain the annual paid leave utilization rate at 90% or higher.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Ryokan Tanigawa (旅館たにがわ)	Others (including service industry)	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to at least 70% by 2027/May, and maintain this rate at 70% or higher thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
YAMAGIWA (山極)	Wholesale and retail trade	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase annual paid leave utilization rate to 100% by the fiscal year ending March 2031.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Ando Bussan Co.,Ltd.	Wholesale and retail trade	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to 70% or more by March 2025, and maintain it at 70% or more thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
EXTERIOR WATANABE Co. Ltd.	Wholesale and retail trade	Kyoto Chuo Shinkin Bank	September, 2024	ー	Japan Credit Rating Agency, Ltd.　※	ー	ー	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 11.5 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　10.8t (-6.1％) FY2025　10.8t (-6.1％) FY2026　10.8t (-6.1％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
K Hosoh Corporation (ケーホーソー)	Wholesale and retail trade	Kyoto Chuo Shinkin Bank	September, 2024	ー	Japan Credit Rating Agency, Ltd.　※	ー	ー	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 96.4 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　87.6t (-9.1％) FY2025　87.6t (-9.1％) FY2026　87.6t (-9.1％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
YAMASHITA INDUSTRY CORP.	Real estate and construction	Kyoto Chuo Shinkin Bank	September, 2024	ー	Japan Credit Rating Agency, Ltd.　※	ー	ー	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 227.3 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　218.2t (-4.0％) FY2025　218.2t (-4.0％) FY2026　218.2t (-4.0％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Kohzan Corporation.	Manufacturing	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to 70% or more by December 2027, and maintain this rate thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
mimatsu unsou (有限会社美松運送)	Transportation	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to 70% or more by the fiscal year ending March 2026, and 76% or higher by the fiscal year ending March 2032, and maintain this rate thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
SOSEKI	Manufacturing	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales, with the fiscal year ending March 2024 as the base year.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
FUJITETSU JUKOU	Real estate and construction	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc. ※	ー	ー	Increase the annual paid leave utilization rate to 70% or more by FY2030.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Kumagai Gumi Co.,Ltd.	Real estate and construction	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc. ※	ー	ー	Reduce Scope 1+2 CO₂ emissions by 4.2% each fiscal year, with the fiscal year ending March 2020 as the base year.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
FURUKAWAKIKOU CO.,LTD.	Manufacturing	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Proportion of employees under 30 years old （actual result：2022/Jan. 　33.3％、2023/Jan. 30.8%、2024/Jan. 23.1%）【Target】 2025/Jan. 　25.0% 2026/Jan. 　27.0% 2027/Jan. 　29.0% 2028/Jan. 　32.0% 2029/Jan. 　35.0% 2030/Jan. 　36.0% 2031/Jan. 　37.0% 2032/Jan. 　38.0% 2033/Jan. 　39.0% 2034/Jan. 　40.0%	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
FUJI UNYU KAISHA, LTD.	Transportation	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Annual CO₂ emissions (Scope1･2)(t-CO₂) （actual result：2022/Dec. 2,736.98、2023/Dec. 2,466.54 （Reduction rate compared to 2022/Dec. 9.88%) 【Target】 (The figure in parentheses is the reduction rate compared to December 2022） 2024/Dec.　2,367.49（13.50%） 2025/Dec.　2,268.96（17.10%） 2026/Dec.　2,170.43（20.70%） 2027/Dec.　2,071.89（24.30%） 2028/Dec.　1,973.36（27.90%）	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
MYK, Inc.	Manufacturing	The Ashikaga Bank, Ltd.	September, 2024	ー	Japan Credit Rating Agency, Ltd.※	ー	ー	Acquisition of Kurumin certification	A mechanism has been set up to change the interest rate if a pre-set SPT is achieved.	The Ashikaga Bank plans to review SPT performance for each borrower at least once a year from loan origination to full repayment. With respect to reporting, Ashikaga Bank intends to encourage borrowers to disclose SPT performance on the borrower's website or other disclosure materials.
Yamashita Kogyosho Co., Ltd.	Manufacturing	THE YAMAGUCHI BANK, LTD.	September, 2024	5 years	Rating & Investment Information, Inc. ※	0.1	billion yen	Reduction of Scope1,2 emission (Reduction rate for each fiscal year based on FY2022 (March 2023) results) 【Target】 FY2024 ▲10.50％ FY2025 ▲15.75％ FY2026 ▲21.00％ FY2027 ▲26.25％ FY2028 ▲31.50％	The incentive design is designed to check the achievement of the SPTs each year and reduce the interest rate when the SPTs are achieved. The interest rates reduced upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is returned to its original level.	In principle, once a year, the status of achievement of SPTs will be reported to Yamaguchi Bank's branch offices using the prescribed form. The report should also include evidence, data, and other prima facie evidence necessary for the verification work.
NTN	Manufacturing	THE YAMAGUCHI BANK, LTD.	September, 2024	5 years	Rating & Investment Information, Inc. ※	1	billion yen	CO₂ emissions of NTN domestic group in Scope 1 and 2 【Target】 FY2025 271,000 tons FY2026 255,000 tons FY2027 239,000 tons FY2028 223,000 tons	The incentive design is designed to check the achievement of the SPTs each year and reduce the interest rate when the SPTs are achieved. The interest rates reduced upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is returned to its original level.	In principle, once a year, the status of achievement of SPTs will be reported to Yamaguchi Bank's branch offices using the prescribed form. The report should also include evidence, data, and other prima facie evidence necessary for the verification work.
Nakahara Precision Co.,LTD.	Others (including service industry)	THE SEISHIN SHINKIN BANK.	September, 2024	5 years	Rating & Investment Information, Inc. ※	0.02	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
Aoi Tel-Communication & Electoric Protection (アオイテレテック)	Others (including service industry)	THE SEISHIN SHINKIN BANK.	September, 2024	5 years	Rating & Investment Information, Inc. ※	0.02	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
umeshin.co.,ltd.	Food, Beverages, Tobacco, etc.	THE SEISHIN SHINKIN BANK.	September, 2024	5 years	Rating & Investment Information, Inc. ※	0.01	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
CHIYODA (千代田商行)	Transportation	THE SEISHIN SHINKIN BANK.	September, 2024	3 years	Rating & Investment Information, Inc. ※	0.01	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
teradadenki Co.,Ltd.	Others (including service industry)	THE SEISHIN SHINKIN BANK.	September, 2024	5 years	Rating & Investment Information, Inc. ※	0.015	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
Japan Real Estate Investment Corporation	Finance (including REITs)	The Gunma Bank,Ltd.	September, 2024	7 years	Japan Credit Rating Agency, Ltd.	1	billion yen	Reduce CO₂ emissions by 80% by FY2030 (compared to FY2019, on a total amount basis)	If the achievement standards set in the SPT are achieved in March 2025, March 2028, and March 2031, an interest rate 0.01% lower than the above rate will be applied until the next confirmation of the achievement standards (the final repayment date).	JRE plans to disclose annually on its website the actual values of the KPIs during the reporting period, the progress of the SPTs during the reporting period, and information on the borrower's latest sustainability strategies related to the KPIs and SPTs until the final judgment date of the borrowings executed under this framework. In addition, the progress of the SPTs will be published on the website after obtaining a verification report from an independent third party.
Sansei Landic (サンセイランディック)	Real estate and construction	THE TOTTORI BANK, LTD	September, 2024	-	Rating & Investment Information, Inc. ※	0.2	billion yen	① Increase in the percentage of employees taking paid leave ② Improvement in turnover rate	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
ICHIDA CO., LTD.	Manufacturing	THE SHIGA BANK，LTD．	September, 2024	-	Shigagin Keizai Bunka Center CO.,LTD.	ー	ー	Reduction rate of CO₂ emissions ( intensity ) (compared to FY2015) （actual result： FY2023　60.40%）【Target】 FY2024 61.87% FY2025 63.34% FY2026 64.81% FY2027 66.28% Fy2028 67.75% FY2029 69.22% FY2050 100%	① The progress of SPT achievement must be reported publicly or in writing to the lender by the reporting deadline. ② An action report must be submitted to Shiga Prefecture by the deadline set by Shiga Prefecture each fiscal year, with a copy submitted to the lender. ③ The SPT target figures must be achieved in each fiscal year from 2024 onwards. If either ① or ② is not achieved, the spread will be increased regardless of whether ③ is achieved. If both ① and ② are achieved and ③ is not achieved, the spread will remain unchanged. If all ①, ② and ③ are achieved, the spread will be reduced.	Ichida will include the SPT in its action plan to be submitted to Shiga Prefecture, and will document its progress in annual action reports to Shiga Prefecture, copies of both of which will be provided to lenders and posted on the Shiga Prefecture website.
Yamachu Shokuhin (有限会社ヤマチュウ食品)	Food, Beverages, Tobacco, etc.	THE MICHINOKU BANK, LTD.	September, 2024	-	Rating & Investment Information, Inc.	ー	ー	Reduce CO₂ emissions by 50% from FY2023 levels by FY2033 【Target for each fiscal year】 FY2024 ▲0.7％ FY2025 ▲14.3％ FY2026 ▲19.3％ FY2027 ▲24.1％ FY2028 ▲32.5％ FY2029 ▲36.4％ FY2030 ▲40.3％ FY2031 ▲44.9％ FY2032 ▲46.1％ FY2033 ▲50.0％	Beginning in FY2024 and each year thereafter, the lender will check the achievement of the SPTs, and the interest rate will change according to the achievement status. The interest rate is designed to be reduced if the SPTs are achieved, returned to the base rate if not achieved, and increased if the SPTs achievement status is not publicized or reported to the lender.	Yamachu Foods will report to the lender at least once a year until the Sustainability Linked Loan is repaid, up to the date of determination, on the status of achievement of the SPTs (actual CO₂ emission reduction rate), and disclose this information on its website.
SEIBU HOLDINGS INC.	Transportation	THE SHIGA BANK，LTD．	September, 2024	-	Shigagin Keizai Bunka Center CO.,LTD.	0.5	billion yen	Achieving a leadership level (A, A-) in the CDP climate change score	The system is designed so that the applicable spread differs depending on whether the SPT is achieved or not, taking into account the achievement status of the SPT for each fiscal year.	The evaluation results of the CDP climate change score, which is a KPI, will be disclosed annually on the CDP website. SEIBU HOLDINGS INC., the borrower, will notify the lender promptly after each year's disclosure of the progress of the SPT. It will display the CDP climate change score published by CDP on its website from the CDP2025 score onwards, and will continue to do so throughout the loan period.
Tohoku engineering plastic (東北エンジニアリングプラスチック)	Manufacturing	THE TOHO BANK, LTD.	September, 2024	ー	TOHO AREA RESEARCH INSTITUTE	ー	ー	Reduce CO₂ emissions (Scope 1 and Scope 2) by 18.9% by the fiscal year ending September 2030 compared to the fiscal year ending September 2023.	The company is required to report in writing to The Toho Bank by the reporting deadline on its progress in achieving the SPTs, and if it is confirmed that it has achieved the target figures, the interest rate applicable to the loan period will be reduced.	The company shall report to The Toho Bank once a year in writing that confirms the status of achievement of the SPTs. Upon verification by the Toho Area Research Institute, the company shall submit to The Toho Bank, in writing, documents that can confirm the status of achievement of the SPTs.
Mitsui Fudosan Co., Ltd.	Real estate and construction	TAIYO LIFE INSURANCE COMPANY	September, 2024	ー	Moody's Investors Service, Inc.	ー	ー	The borrower group's GHG emissions (Scope 1 + Scope 2 + Scope 3) will be reduced by more than 40% by FY2030 (compared to FY2019)	Depending on the achievement of a defined trigger event, this may lead to an adjustment in bond or loan interest rates or the purchase of donations or emission credits.	Mitsui Fudosan Co., Ltd. is committed to reporting the progress of the SPT on KPIs on an annual basis and up to the last triggering event in case of significant changes.
TOKIWA INDUSTRY co.,ltd	Manufacturing	THE GIFU SHINKIN BANK	September, 2024	10 years	Rating & Investment Information, Inc. ※	0.2	billion yen	Reduce CO₂ emissions by 27.5% in the fiscal year ending March 2034 compared to the fiscal year ending March 2023 （The CO₂ emissions from electricity and gasoline used at the head office factory will be the standard for SPT.）【Target】 2026/Mar. ▲7.5％ 2027/Mar. ▲10.0％ 2028/Mar. ▲12.5% 2029/Mar. ▲15.0% 2030/Mar. ▲17.5％ 2031/Mar. ▲20.0% 2032/Mar. ▲22.5% 2033/Mar. ▲25.0% 2034/Mar. ▲27.5%	・The preferential interest rate is a prerequisite to motivate the reduction of CO₂ emissions. ・Since the preferential interest rate is applied from the beginning, the interest rate will not be additionally reduced when the SPT is achieved. ・If the SPT is not achieved in a single period, the company will be asked to prepare a business plan to achieve the target. ・If the SPT is not achieved for two consecutive terms, the interest rate will be raised by 0.1%. ・Thereafter, as long as the SPT remains unachieved, the loan interest rate will remain raised.	The Company shall report annually to The Gifu Shinkin Bank on the status of achievement of the SPT.
PLAZA HOLDINGS.Ltd	Wholesale and retail trade	The Hyakujushi Bank, Ltd.	September, 2024	ー	Rating & Investment Information, Inc. ※	ー	ー	Turnover rate	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
HIRAKIN Inc.	Others (including service industry)	The Hiroshima Bank, Ltd.	September, 2024	10 years	HIROGIN area design Co. Ltd.	0.62	billion yen	① an annual paid leave utilization rate ② Turnover rate	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
Tokyo Century Corporation	Finance (including REITs)	Sumitomo Mitsui Banking Corporation	September, 2024	3 years	Rating & Investment Information, Inc.	10	billion yen	Not disclosed for competitive reasons	Financial and structural characteristics change according to the achievement of SPTs.	Tokyo Century will report only to loan lenders information such as the actual results of KPIs during the reporting period and the achievement status of SPTs during the reporting period, as the reporting period for the fiscal year in which the reporting date falls.
KENT HOMES (ケントホームズ)	Real estate and construction	The Shikoku Bank, Ltd.	September, 2024	ー	Shikoku Bank, Ltd.	ー	ー	Achieve a ZEH commissioning rate of at least 90% from FY2025 to FY2028. （actual result：FY2021　38%、FY2022 30%、FY2023 61%）【Target for each fiscal year】 FY2024 75% FY2025 90% FY2026 90% FY2027 90% FY2028 90%	If the SPTs are achieved each fiscal year, the design provides for a one-year reduction in the interest rate from the first interest rate calculation start date that falls after the SPTs determination date.	The borrower shall submit to the lender written documentation confirming the achievement of SPTs once a year by the end of May of each year.
YAMADA PACKAGE CO., LTD.	Wholesale and retail trade	The Shikoku Bank, Ltd.	September, 2024	ー	Shikoku Bank, Ltd.	ー	ー	Increase the sales growth rate of biomass plastic products by 30% each year from FY2024 to FY2028 (compared to FY2023) 【Target for each fiscal year】 FY2024 +30% FY2025 +60% FY2026 +90% FY2027 +120% FY2028 +150%	If the SPTs are achieved each fiscal year, the design provides for a one-year reduction in the interest rate from the first interest rate calculation start date that falls after the SPTs determination date.	The borrower shall submit to the lender written documentation confirming the achievement of SPTs once a year by the end of May of each year.
Yamatojuken (ヤマト住建)	Real estate and construction	The Shikoku Bank, Ltd.	September, 2024	ー	Shikoku Bank, Ltd.	ー	ー	Achieve a ZEH commissioning rate of at least 90% from FY2024 to FY2028 （actual result：FY2021 77%、FY2022 88%、FY2023 85%）【Target for each fiscal year】 FY2024 90% FY2025 90% FY2026 90% FY2027 90% FY2028 90%	If the SPTs are achieved each fiscal year, the design provides for a one-year reduction in the interest rate from the first interest rate calculation start date that falls after the SPTs determination date.	The borrower shall submit to the lender written documentation confirming the achievement of SPTs once a year by the end of May of each year.
Tosa Sanso Company	Manufacturing	The Shikoku Bank, Ltd.	September, 2024	ー	Shikoku Bank, Ltd.	ー	ー	The growth rate of hydrogen sales at hydrogen stations from FY2024 to FY2030, starting from the actual results in FY2023, will be 55% per year on average. 【Target】 FY2024　+55% FY2025　+140% FY2026　+272% FY2027　+477% FY2028　+795% FY2029　＋1,287% FY2030　+2,049%	If the SPTs are achieved each fiscal year, the design provides for a one-year reduction in the interest rate from the first interest rate calculation start date that falls after the SPTs determination date.	The borrower shall submit to the lender written documentation confirming the achievement of SPTs once a year by the end of May of each year.
Tsunoda Corporation limited.	Manufacturing	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	① Average number of paid leave days taken by full-time employees who are granted 20 paid annual leave days （actual result：February 20, 2024　13.6 days）【Target】 2025/Apr. 13.7 days 2026/Apr. 13.8 days 2027/Apr. 13.9 days 2028/Apr. 14.0 days 2029/Apr. 14.1 days 2030/Apr. 14.2 days ② Number of employees with in-house recommended qualifications （actual result：February 20, 2024　19 people）【Target】 2025/Apr. 20 people 2026/Apr. 21 people 2027/Apr. 22 people 2028/Apr. 23 people 2029/Apr. 24 people 2030/Apr. 25 people	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Tohoku Tsushin Souki (東北通信装機)	Others (including service industry)	THE TOHO BANK, LTD.	September, 2024	ー	TOHO AREA RESEARCH INSTITUTE	0.05	billion yen	SPT① Increase the paid leave utilization rate to 70% by FY2024, and increase it by at least 1% each year thereafter. SPT② Achieve 100% of male employees taking parental leave in FY2024 and beyond.	The company is required to report in writing to The Toho Bank by the reporting deadline on its progress in achieving the SPTs, and if it is confirmed that it has achieved the target figures, the interest rate applicable to the loan period will be reduced.	The company shall report to The Toho Bank once a year in writing that confirms the status of achievement of the SPTs. Upon verification by the Toho Area Research Institute, the company shall submit to The Toho Bank, in writing, documents that can confirm the status of achievement of the SPTs.
Morita Sougei Co ,Ltd	Real estate and construction	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Percentage of homes meeting ZEH standards in the number of detached homes delivered （actual result：2020/Dec. 1.3%、2021/Dec. 1.2%、2022/Dec. 0.0%、2023/Dec. 2.5%）【Target】 2025/Dec.　12.0% 2026/Dec.　15.0% 2027/Dec.　22.0% 2028/Dec.　25.0%	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Kiwamu Koumuten (究工店務)	Real estate and construction	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Cumulative number of homes delivered that meet ZEH standards 【Target】 2025/Jul.　5 houses 2026/Jul. 12 houses 2027/Jul. 21 houses 2028/Jul. 32 houses 2029/Jul. 45 houses 2030/Jul. 60 houses	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
THE SANKEI BUILDING CO., LTD.	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Rating & Investment Information, Inc.	ー	ー	Reduce total CO₂ emissions of Scope 1 and 2 in FY2029 to less than 60% of the FY2013 level	In FY2028 or FY2030, the achievement status of the SPTs for the previous year will be assessed, and if not achieved, donations will be selected from “public interest incorporated associations, public interest foundations, international organizations, certified municipal NPOs, local governments and similar organizations that are conducting activities that contribute to the realization of a decarbonized society”. The amount of the donation must be equivalent to 0.05% of the principal balance.	Report the progress of the SPT to the lender once a year.Total CO₂ emissions data for Scope 1 and 2, which are KPIs, will be reported to the lender and disclosed on the website by the end of September each year.
MUGEN ESTATE Co., Ltd.	Real estate and construction	The 77 Bank, Ltd.	September, 2024	ー	77 Research and Consulting Co.,Ltd.	0.2	billion yen	①Reduce CO₂ emissions (Scope 1 and Scope 2) per 100 million yen in sales by 46% in fiscal year 2030, based on the fiscal year ending December 2021. ② Increase the rate of male employees taking childcare leave to 75% or more	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Ichigo Inc.	Real estate and construction	The 77 Bank, Ltd.	September, 2024	ー	Rating & Investment Information, Inc. ※	0.5	billion yen	① Maintain an A on CDP's Climate Change Score ② Achieve and maintain an A on the CDP water security score	The latest situation will be reviewed at the annual review time, and if both targets are met, the interest rate will be reduced. If either target is not met, the base interest rate will be set according to the contract.	Ichigo will provide lenders with annual written reports on its progress against the KPIs, which will also be available to lenders on the CDP website.
DAIRIN EXPRESS	Transportation	THE HYAKUGO BANK,LTD.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Greenhouse gas emissions reduction rate (compared to 2024/June) 【Target】 2025/June 4.43% 2026/June 8.86% 2027/June 13.29% 2028/June 17.72% 2029/June 22.15% 2030/June 26.58% 2031/June 31.01%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Tone Recycling System Co., Ltd. (トネリサイクルシステム)	Others (including service industry)	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase annual paid leave utilization rate to 70% or higher by the fiscal year ending May 2032, and maintain it at 70% or higher thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Ogita Printing & Paper Co.(荻田印刷紙業)	Others (including service industry)	Kyoto Chuo Shinkin Bank	September, 2024	ー	Japan Credit Rating Agency, Ltd.　※	ー	ー	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 16.3 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　15.6t (-4.3％) FY2025　15.6t (-4.3％) FY2026　15.6t (-4.3％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
mina technology corporation.	Electronic components, devices, information equipment, etc.	THE TOCHIGI BANK, LTD.	September, 2024	ー	Tochigin Capital & Consulting (とちぎんキャピタル＆コンサルティング)	ー	ー	Reduction of CO₂ emissions as a percentage of mechanical business sales	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Koiida Kogyo (小飯田工業)	Real estate and construction	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Percentage of industrial waste (concrete debris) generated from demolition work that is reused and sold (recycling rate) （actual result：2022/Mar. 3.30%、2023/Mar. 6.35%、2024/Mar. 3.49%）【Target】 2025/Mar.　 6.00％ 2026/Mar.　 8.00％ 2027/Mar.　11.00％ 2028/Mar.　14.00％ 2029/Mar.　17.00％ 2030/Mar.　22.00％	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Warranty technology	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Number of contracts for extended warranty service for residential storage batteries (as of the end of the fiscal year) （actual result：2024/Mar.（2023/8ー2024/3　608 contracts）【Target】 2025/Mar.　2,000 contracts 2026/Mar.　3,500 contracts 2027/Mar.　5,000 contracts 2028/Mar.　6,000 contracts 2029/Mar.　7,000 contracts	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Sugimoto Tea Company	Food, Beverages, Tobacco, etc.	Shimada Kakegawa Shinkin Bank	September, 2024	ー	Shinkin Economic Research Institute	0.035	billion yen	Percentage of electricity used procured from renewable energy sources (100%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative and will revert to the original level of interest rates when not achieved.	The borrower shall report to the Shimada Kakegawa Shinkin Bank's sales branch once a year over the term of the loan on the status of achievement of SPTs, etc., based on the contract signed at the time of loan disbursement. The report shall also include evidence and other prima facie evidence necessary for verification. The contents of the reports and prima facie evidence will be shared with the Regional Support Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
KI-STAR Real Estate Co., Ltd.	Real estate and construction	Syndication method (Arranger:Saitama Resona Bank,Limited）Saitama Resona Bank,Limited、Other financial institutions	September, 2024	ー	Rating & Investment Information, Inc.	8.6	billion yen	Reduction of GHG emissions per unit sold	When signing the loan contract, the recipient can choose between making a donation to an eligible recipient if either of the SPTs is not met, or reducing the loan interest rate if both are met. Candidates for eligible recipients will be selected from public interest incorporated associations, public interest incorporated foundations, international organizations, municipally certified NPOs, local governments, and similar organizations that are carrying out activities that contribute to CO₂ reduction.	Report annually to lenders on the status of achievement of SPTs and post on its website.
Medical Corporation Yusinkai Horie Hospital	Others (including service industry)	The Ehime Bank, Ltd.	September, 2024	10 years	Himegin Information Center（ひめぎん情報センター）	0.13	billion yen	SPT① Paid leave utilization rate: maintain more than 90% each year SPT② Gender wage gap: 84% or more after 2030	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	The company will report to Ehime Bank on the status of SPTs achievement once a year over the term of the loan, and will also disclose this information to the public.
KYUSHU ELECTRIC POWER CO., INC.	Energy	The Hiroshima Bank, Ltd.	September, 2024	10 years	HIROGIN area design Co. Ltd.	5	billion yen	－	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
Kouei sangyo (広栄産業)	Real estate and construction	The Chugoku Bank, Ltd	September, 2024	25 years	Rating & Investment Information, Inc. ※	0.4	billion yen	Actual CO₂ emissions（t-CO₂）【Target】 2025/Jul. 423.05 2026/Jul. 405.43 2027/Jul. 387.80 2028/Jul. 370.17 2029/Jul. 352.54 2030/Jul. 334.92 2031/Jul. 317.29 2032/Jul. 299.66 2033/Jul. 282.04 2034/Jul. 264.41 2035/Jul. 246.78 2036/Jul. 229.15 2037/Jul. 211.53 2038/Jul. 193.90 2039/Jul. 176.27 2040/Jul. 158.64 2041/Jul. 141.02 2042/Jul. 123.39 2043/Jul. 105.79 2044/Jul. 88.14 2045/Jul. 70.51 2046/Jul. 52.88 2047/Jul. 35.25 2048/Jul. 17.63 2049/Jul. ０.00	The system is designed to apply a pre-determined reduction in interest rates when the SPTs are achieved.	Submit documents showing the status of achievement of the SPTs as of the judgment reference date in the prescribed form once a year until the fulfillment of the obligations is completed.
NISSINDO (日進堂)	Real estate and construction	The Hyakujushi Bank, Ltd.	September, 2024	ー	Rating & Investment Information, Inc. ※	ー	ー	ZEH level energy-efficient housing completion rate（％）【Target】 2024/Nov. （56th term）71.5％ 2025/Nov. （57th term）76.1％ 2026/Nov. （58th term）80.8％ 2027/Nov. （59th term）85.4％ 2028/Nov. （60th term）90.0%	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
KAWAGISHI kougyou (川岸工業)	Real estate and construction	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to at least 70% by 2028/March, and maintain this rate at 70% or higher thereafter. (Recent actual result 39.6%)	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
LINK STATION Co.Ltd.	Others (including service industry)	The 77 Bank, Ltd.	September, 2024	-	77 Research and Consulting Co.,Ltd.	0.2	billion yen	① Increase paid leave utilization rate to 80% or more by the fiscal year ending October 2028 ② Achieve a gender wage gap of at least 80% by the fiscal year ending October 31, 2028 ※The gender wage gap is the level of women's salaries when the male salary level is set at 100.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
DAIWA HOUSE INDUSTRY CO., LTD.	Real estate and construction	Syndication method (Lead arranger:　Sumitomo Mitsui Banking Corporation、Joint arranger:MUFG Bank, Ltd.、Mizuho Bank, Ltd.）	September, 2024	35 years	Japan Credit Rating Agency, Ltd./Rating & Investment Information, Inc.	40	billion yen	SPT① Greenhouse gas emissions from business activities: 59% reduction in FY2027 (compared to FY2015) SPT② Greenhouse gas emissions from community development: 56% reduction in FY2027 (compared to FY2015)	If SPTs have not been achieved as of the date of determination, make a donation or purchase emission credits (credit certificates for the value of CO₂ reductions) to public interest incorporated associations, public interest foundations, international organizations, certified municipal NPOs, local governments, or similar organizations with the purpose of environmental conservation activities.	KPI performance and other related information will be reported annually and published in Daiwa House Industry's publications or on its website.
Tomio Oil Co., Ltd. (冨尾石油)	Wholesale and retail trade	The Hyakujushi Bank, Ltd.	September, 2024	ー	Rating & Investment Information, Inc. ※	ー	ー	Total number of contracts for emergency generator fuel supply service 【Target】 2025/Feb. 17 contracts 2026/Feb. 19 contracts 2027/Feb. 21 contracts 2028/Feb. 23 contracts 2029/Feb. 25 contracts	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Oda Kanko (織田管工)	Real estate and construction	Kyoto Chuo Shinkin Bank	September, 2024	ー	Japan Credit Rating Agency, Ltd.　※	ー	ー	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 2.3 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　2.2t (-4.3％) FY2025　2.2t (-4.3％) FY2026　2.2t (-4.3％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Nature Metal Co., Ltd. (ナチュレ・メタル)	Others (including service industry)	The Joyo Bank, Ltd.	September, 2024	10 years	Japan Credit Rating Agency, Ltd.※	0.05	billion yen	Obtain certification as a Excellent Health Management Corporation by the end of March 2033	A mechanism is designed to change the interest rate when the SPT is achieved.	The Joyo Bank plans to confirm the performance of SPT for each borrower at least once a year from loan origination to full repayment. With respect to reporting, the bank plans to encourage borrowers to disclose their SPT performance on the borrower's website or other disclosure materials.
Kyoto Kizai Shokai Co. (京都機材商会)	Wholesale and retail trade	Kyoto Chuo Shinkin Bank	September, 2024	ー	Japan Credit Rating Agency, Ltd.　※	ー	ー	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 26.5 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　24.9t (-6.0％) FY2025　24.9t (-6.0％) FY2026　24.9t (-6.0％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
THE SANKEI BUILDING CO., LTD.	Real estate and construction	SBI Shinsei Bank, Limited	September, 2024	ー	Rating & Investment Information, Inc.	6.5	billion yen	Reduce total CO₂ emissions of Scope 1 and 2 in FY2029 to less than 60% of the FY2013 level	In FY2028 or FY2030, the achievement status of the SPTs for the previous year will be assessed, and if not achieved, donations will be selected from “public interest incorporated associations, public interest foundations, international organizations, certified municipal NPOs, local governments and similar organizations that are conducting activities that contribute to the realization of a decarbonized society”. The amount of the donation must be equivalent to 0.05% of the principal balance.	Report the progress of the SPT to the lender once a year.Total CO₂ emissions data for Scope 1 and 2, which are KPIs, will be reported to the lender and disclosed on the website by the end of September each year.
A.D. Works Group Co., Ltd.	Real estate and construction	The Hyakujushi Bank, Ltd.	September, 2024	ー	Rating & Investment Information, Inc. ※	ー	ー	CO₂ emissions 【Target】 2024/Dec.　141.5　t-CO₂ 2025/Dec.　136.2　t-CO₂	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
NTN Corporation	Manufacturing	The Kiyo Bank, Ltd.	September, 2024	5 years	Rating & Investment Information, Inc.	1	billion yen	Domestic CO₂ emissions（10,000t）【Target】 FY2024 28.7 FY2025 27.1 FY2026 25.5 FY2027 23.9 FY2028 22.3	The characteristics of the bond/loan will change by stepping up/down the interest rate depending on the unfulfilled/fulfilled status at the time of the SPT determination.	Until the Sustainability Linked Financing is repaid, NTN plans to disclose the status of achievement of the KPIs against the SPT once a year on its website as its environmental and social performance.
Orix Jreit Inc.	Finance (including REITs)	Sumitomo Mitsui Banking Corporation	September, 2024	7 years	Japan Credit Rating Agency, Ltd.	2.8	billion yen	Reduce KPI for the year ending March 31, 2027 by at least 23.3% compared to KPI for the base year (2021) ※KPI = CO₂ emissions (Scope 1&2,The portion of Scope 3 Category 13 with management title）	If the SPT is achieved, a reduced interest rate of 0.01% per annum will apply from the time the achievement level is confirmed until the repayment date.	OJR intends to disclose the status of achievement of the established KPIs/SPTs at least once a year until the redemption/repayment of the Sustainability Linked Financing through OJR's website and other means. In addition, OJR plans to obtain and disclose GHG emissions for the portion of Scope, Scope 2, and Scope 3 Category 13 for which it has management title by obtaining a verification report from an independent third party.
Orix Jreit Inc.	Finance (including REITs)	Mizuho Trust & Banking Co., Ltd.	September, 2024	8 years	Japan Credit Rating Agency, Ltd.	1	billion yen	SPT①：Reduce KPI for the year ending March 31, 2025 by at least 14.0% compared to KPI for the base year (2021). SPT②：Reduce KPI for the year ending March 31, 2026 by at least 18.7% compared to KPI for the base year (2021). SPT③：Reduce KPI for the year ending March 31, 2028 by at least 28.0% compared to KPI for the base year (2021). ※KPI = CO₂ emissions (Scope 1&2,The portion of Scope 3 Category 13 with management title）	If the SPT is achieved, a reduced interest rate of 0.01% per annum will be applied for each SPT achieved from the time of confirmation of the level of achievement of each SPT until the repayment date.	OJR intends to disclose the status of achievement of the established KPIs/SPTs at least once a year until the redemption/repayment of the Sustainability Linked Financing through OJR's website and other means. In addition, OJR plans to obtain and disclose GHG emissions for the portion of Scope, Scope 2, and Scope 3 Category 13 for which it has management title by obtaining a verification report from an independent third party.
Orix Jreit Inc.	Finance (including REITs)	Aozora Bank, Ltd.	September, 2024	8 years	Japan Credit Rating Agency, Ltd.	0.8	billion yen	Reduce KPI for the year ending March 31, 2026 by at least 18.7% compared to KPI for the base year (2021) ※KPI = CO₂ emissions (Scope 1&2,The portion of Scope 3 Category 13 with management title）	If the SPT is achieved, a reduced interest rate of 0.01% per annum will apply from the time the achievement level is confirmed until the repayment date.	OJR intends to disclose the status of achievement of the established KPIs/SPTs at least once a year until the redemption/repayment of the Sustainability Linked Financing through OJR's website and other means. In addition, OJR plans to obtain and disclose GHG emissions for the portion of Scope, Scope 2, and Scope 3 Category 13 for which it has management title by obtaining a verification report from an independent third party.
Orix Jreit Inc.	Finance (including REITs)	The 77 Bank, Ltd.	September, 2024	9 years	Japan Credit Rating Agency, Ltd.	1	billion yen	SPT①：Reduce KPI for the year ending March 31, 2027 by at least 23.3% compared to KPI for the base year (2021). SPT②：Reduce KPI for the year ending March 31, 2028 by at least 28.0% compared to KPI for the base year (2021). SPT③：Reduce KPI for the year ending March 31, 2029 by at least 32.7% compared to KPI for the base year (2021). SPT④：Reduce KPI for the year ending March 31, 2030 by at least 37.3% compared to KPI for the base year (2021). ※KPI = CO₂ emissions (Scope 1&2,The portion of Scope 3 Category 13 with management title）	If the SPT is achieved, a reduced interest rate of 0.01% per annum will be applied for each SPT achieved from the time of confirmation of the level of achievement of each SPT until the repayment date.	OJR intends to disclose the status of achievement of the established KPIs/SPTs at least once a year until the redemption/repayment of the Sustainability Linked Financing through OJR's website and other means. In addition, OJR plans to obtain and disclose GHG emissions for the portion of Scope, Scope 2, and Scope 3 Category 13 for which it has management title by obtaining a verification report from an independent third party.
MARUKA FOODS	Food, Beverages, Tobacco, etc.	The Chugoku Bank, Ltd	September, 2024	10 years	Rating & Investment Information, Inc.※	1	billion yen	Reduction rate of food waste per ton of production（％）【Target】（compared to FY2021） Fy2024 ▲1.7 FY2025 ▲3.4 Fy2026 ▲5.1 FY2027 ▲6.8 FY2028 ▲8.5 FY2029 ▲10.2 FY2030 ▲11.9 FY2031 ▲13.6 FY2032 ▲15.3 FY2033 ▲17.0	The system is designed to apply a pre-determined reduction in interest rates when the SPTs are achieved.	Submit documents showing the status of achievement of the SPTs as of the judgment reference date in the prescribed form once a year until the fulfillment of the obligations is completed.
S・S・G (エス・エス・ジー)	Others (including service industry)	The Ashikaga Bank, Ltd.	September, 2024	ー	Japan Credit Rating Agency, Ltd.※	ー	ー	Obtaining DX Certification	A mechanism has been set up to change the interest rate if a pre-set SPT is achieved.	The Ashikaga Bank plans to review SPT performance for each borrower at least once a year from loan origination to full repayment. With respect to reporting, Ashikaga Bank intends to encourage borrowers to disclose SPT performance on the borrower's website or other disclosure materials.
MARUSO CO., LTD.	Transportation	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	SPT① Total CO₂ emissions of the company's fleet (unit: kg-CO₂) （actual result：2023/Sep. 4,837,068 kg-CO₂）【Target】 2024/Sep.　4,763,025 2025/Sep.　4,620,134 2026/Sep.　4,481,530 2027/Sep.　4,347,084 2028/Sep.　4,216,672 2029/Sep.　4,090,172 2030/Sep.　3,967,466 SPT② Average fuel consumption of the company's fleet (unit: km/ℓ) （actual result：2023/Sep.　6.18 ㎞／ℓ）【Target】 2024/Sep. 6.07 2025/Sep. 6.13 2026/Sep. 6.19 2027/Sep. 6.25 2028/Sep. 6.32 2029/Sep. 6.38 2030/Sep. 6.44	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Social Welfare Corporation Hanaokai (社会福祉法人華桜会)	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Retirement rate due to personal reasons:. Target uniformly set at 8.0% for each fiscal year.	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
ANEXTOOL Co., Ltd	Manufacturing	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Percentage of women in management positions （actual result：2024/Aug. 25.0％）【Target】 2025年Aug. 　28.0% 2026年Aug. 　30.0% 2027年Aug. 　32.0% 2028年Aug. 　35.0%	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
IWAMOTO SYOUTEN	Others (including service industry)	THE SEISHIN SHINKIN BANK.	September, 2024	5 years	Rating & Investment Information, Inc.※	0.01	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
GA technologies	Real estate and construction	The Musashino Bank,Ltd.	September, 2024	3 years	Bugin Economic Research Institute, Ltd.	0.3	billion yen	ー	Preferential interest rates based on achievement of SPTs	In principle, report the status of achievement regarding SPTs to the Musashino Bank on an annual basis.
Tokuwa Kogyo (徳和工業)	Real estate and construction	The 77 Bank, Ltd.	September, 2024	ー	77 Research and Consulting Co.,Ltd.	0.2	billion yen	Based on the number of employees enrolled in the company as of June 2024, the company will control the turnover rate of employees under 25 years of age and within 3 years of employment to less than 40% by the end of March 2043.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Ribeto Shoji Co., Ltd. (リベト商事)	Wholesale and retail trade	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	The rate of male employees taking childcare leave will be 100% in every fiscal year from the fiscal year ending May 31, 2025 onward.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Hotel Saint Palace Kurayoshi (ホテルセントパレス倉吉)	Finance (including REITs)	THE TOTTORI BANK, LTD	September, 2024	ー	Rating & Investment Information, Inc.※	0.05	billion yen	Increase in the percentage of employees taking paid leave	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
Yamaichi Uniheim Real Estate Co., Ltd	Real estate and construction	The Hyakujushi Bank, Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Percentage of newly built detached houses in Wakayama Prefecture area equipped with solar power generation equipment	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Matsuya vessel co.,ltd	Finance (including REITs)	Daishi Hokuetsu Bank, Ltd	September, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Percentage of employees under 30 years old （actual result：2024/Apr.　26.3％）【Target】 2025/Apr. 27.0% 2026/Apr. 27.5% 2027/Apr. 28.0% 2028/Apr. 28.5% 2029/Apr. 29.0% 2030/Apr. 30.0%	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Koei (コーエイ)	Others (including service industry)	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on the fiscal year ending April, 2024.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Mogi Seisakusho Co.,Ltd.	Manufacturing	The Gunma Bank,Ltd.	September, 2024	ー	Rating & Investment Information, Inc. ※	ー	ー	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales, with the fiscal year ending September 2024 as the base year.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
MAKES.CO.,LTD	Real estate and construction	THE TOTTORI BANK, LTD	September, 2024	ー	Rating & Investment Information, Inc.※	0.1	billion yen	Percentage of female managers in management positions （actual result：FY2023　26.3％）【Target】 FY2024 28.2% Fy2025 29.3% Fy2026 30.2%	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Mizuho Trust & Banking Co., Ltd.	September, 2024	10 years	Rating & Investment Information, Inc.	0.7	billion yen	Reduce CO₂ emissions intensity of logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
AIKA Co. Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Number of housing units registered under the safety net system（houses）【Target】 FY2024　25　houses FY2025　50　houses FY2026　75　houses FY2027　100　houses	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Aoyama LLC (合同会社青山)	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Ratio of female managers （actual result：FY2023　46％）【Target】 FY2024　50.80% FY2025　55.60% FY2026　60.40% FY2027　65.20% FY2028　70.00%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Aoyama Mainland	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.2	billion yen	Obtaining and continuing to obtain certification as a corporation with excellent health management (Bright 500)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Agratio urban design Inc.	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.9	billion yen	SPT① The cumulative number of solar power generation facilities installed on newly constructed detached houses will be 1,027 or more by the end of FY　2027. SPT② Maintain the percentage of newly constructed detached houses with solar power generation facilities at 60% or more until the end of FY 2027	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Uluu	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022 16.1688　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7％ FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
ABC HOUSE CO., LTD.	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　5.3743　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
ACE AUTOMOBILE	Wholesale and retail trade	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.13	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022　 2.4207　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen, figures in parentheses indicate reduction rate compared to FY2022) FY2023　2.3554 （▲2.7％） FY2024　2.2900 （▲5.4％） FY2025　2.2247 （▲8.1％） FY2026　2.1593 （▲10.8％） FY2027　2.0939 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
A.D. Works Group Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	GHG　emissions（t-CO₂）（actual result：FY2022　149.6　t-CO₂）【Target】 (t-CO₂, figures in parentheses indicate reduction rate compared to FY2022) FY2024　141.0 （▲5.78％） FY2025　134.9 （▲9.82％） FY2026　128.9 （▲13.86％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
MITG	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　39.9771　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
M trust	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2022　69.9313　t-CO₂）【Target】 (t-CO₂, figures in parentheses indicate reduction rate compared to FY2022) FY2023　68.0432 （▲2.7％） FY2024　66.1550 （▲5.4％） FY2025　64.2669 （▲8.1％） FY2026　62.3787 （▲10.8％） FY2027　60.4906 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Ouryu Kogyo (旺龍工業)	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　44.8153　t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
KAIYO (海洋実業)	Manufacturing	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023 　232.184　t-CO₂）【Target】 (t-CO₂, figures in parentheses indicate reduction rate compared to FY2023) FY2024　225.915　(▲2.7％) FY2025　219.646　(▲5.4％) FY2026　213.377　(▲8.1％) FY2027　207.108　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
K-Enterprise	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022　2.8744　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen, figures in parentheses indicate reduction rate compared to FY2022) FY2024　2.7192 （▲5.4％） FY2025　2.6415 （▲8.1％） FY2026　2.5639 （▲10.8％） FY2027　2.4863 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
KOYO Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.15	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 19.4231　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen, figures in parentheses indicate reduction rate compared to FY2023) FY2024　18.8987　(▲2.7％) FY2025　18.3743　(▲5.4％) FY2026　17.8498　(▲8.1％) FY2027　17.3254　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kominato Shipbuilding Co., Ltd. (小湊造船)	Manufacturing	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2023 level by FY2033. （actual result：FY2023　40.2742　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％ FY2033　▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Sunny Mukai (有限会社サニーむかい)	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.179	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　265.4247　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
C・B・H	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	ー	ー	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023　24.6195　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen, figures in parentheses indicate reduction rate compared to FY2023) FY2024　23.9548　(▲2.7％) FY2025　23.2901　(▲5.4％) FY2026　22.6254　(▲8.1％) FY2027　21.9606　(▲10.8％) FY2028　21.2959　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Medical Corporation Tsugugyo no Kai (医療法人社団嗣業の会)	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　 5.1286　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　4.9902　(▲2.7％) FY2025　4.8517　(▲5.4％) FY2026　4.7132　(▲8.1％) FY2027　4.5747　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SHINKO ENGINEERING CO.,LTD.	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 12.4706　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　12.1339　(▲2.7％) FY2025　11.7972　(▲5.4％) FY2026　11.4605　(▲8.1％) FY2027　11.1238　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
3A Co.,ltd.	Manufacturing	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 92.9591　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　90.4492　(▲2.7％) FY2025　87.9393　(▲5.4％) FY2026　85.4294　(▲8.1％) FY2027　82.9195　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SOLA GROUP CO.,LTD	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.3	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 23.414　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　22.782　(▲2.7％) FY2025　22.149　(▲5.4％) FY2026　21.517　(▲8.1％) FY2027　20.885　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Tachibana Construction Ltd. (有限会社橘建設)	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　61.342　t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Chibabiso (千葉美装)	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1056	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 91.5944　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　89.1213　(▲2.7％) FY2025　86.6483　(▲5.4％) FY2026　84.1752　(▲8.1％) FY2027　81.7022　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
TSUKIO Co.Ltd.	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　 3.0588　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　2.9763　(▲2.7％) FY2025　2.8937　(▲5.4％) FY2026　2.8111　(▲8.1％) FY2027　2.7285　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
DNK Co., Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.146	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲16.2％ of FY2023 level by FY2029. （actual result：FY2023　15.1249　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
The Society for Traditional Medicine, Inc. (医療法人社団伝統医学研究会)	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　252.1902　t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Toyo Chemical Engineering Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　 163.2880　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　158.8792　(▲2.7％) FY2025　154.4704　(▲5.4％) FY2026　150.0617　(▲8.1％) FY2027　145.6529　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Nagamatsuya Construction (有限会社長松屋建設)	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　 22.3795　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　21.7752　(▲2.7％) FY2025　21.1710　(▲5.4％) FY2026　20.5667　(▲8.1％) FY2027　19.9625　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Nisshin Kogyo Co. (日伸鋼業)	Manufacturing	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　961.586　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　935.623　(▲2.7％) FY2025　909.660　(▲5.4％) FY2026　883.697　(▲8.1％) FY2027　857.734　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
NITTO KOGYO CORPORATION	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 12.6481　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　12.3066　(▲2.7％) FY2025　11.9651　(▲5.4％) FY2026　11.6236　(▲8.1％) FY2027　11.2821　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
HAGIWARA inc.	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Annual waste volume（t）（actual result：FY2023 5,672.3000　t）【Target】 FY2024　5541.8371　(▲2.3％) FY2025　5411.3742　(▲4.6％) FY2026　5280.9113　(▲6.9％) FY2027　5150.4484　(▲9.2％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Business Kankyo Seibi	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　CO₂ emissions per ton of general and industrial waste collected and transported by the company, and recycled 21.4204 kg-CO₂）【Target】 (kg-CO₂/t、figures in parentheses indicate reduction rate compared to FY2023） FY2024　20.8421　(▲2.7％) FY2025　20.2637　(▲5.4％) FY2026　19.6854　(▲8.1％) FY2027　19.1070　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
hirai Holdings Co.,Ltd.	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.11	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　 24.2021　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　23.5486　(▲2.7％) FY2025　22.8952　(▲5.4％) FY2026　22.2417　(▲8.1％) FY2027　21.5882　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
familia mosa	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 2.0226　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　1.9680　(▲2.7％) FY2025　1.9134　(▲5.4％) FY2026　1.8588　(▲8.1％) FY2027　1.8042　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
FEDELTA	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2022　 260.660　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate increase rate from FY2022） FY2024　246.585　(▲5.4％) FY2025　239.547　(▲8.1％) FY2026　232.509　(▲10.8％) FY2027　225.471　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
best home	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.12	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　56.863　t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
MICRO MAGAZINE, INC.	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2022　 87.5981　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2024　82.8678　(▲5.4％) FY2025　80.5026　(▲8.1％) FY2026　78.1375　(▲10.8％) FY2027　75.7723　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
MARUKYU CHEMICAL Co.,ltd.	Wholesale and retail trade	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.15	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　 32.3320　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　31.4590　(▲2.7％) FY2025　30.5861　(▲5.4％) FY2026　29.7131　(▲8.1％) FY2027　28.8401　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Marukoh Recycling Company (丸幸)	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 99.9130　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　97.2154 （▲2.7％） FY2024　94.5177 （▲5.4％） FY2025　91.8201 （▲8.1％） FY2026　89.1224 （▲10.8％） FY2027　86.4248 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
MIKASA LIGHTING CO.,LTD.	Manufacturing	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.15	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　7.5914　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7％ FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％ FY2030　▲21.6％ FY2031　▲24.3％ FY2032　▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
mitsugi landscape gardening (三木造園土木)	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.11	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　32.6445　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7％ FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％ FY2030　▲21.6％ FY2031　▲24.3％ FY2032　▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Mihiro Kensetsu (三裕建設工業)	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1226	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲18.9％ of FY2023 level by FY2030. （actual result：FY2023　31.0148　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Makes Co.,Ltd.	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.4	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 23.9193　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　23.2735　(▲2.7％) FY2025　22.6277　(▲5.4％) FY2026　21.9818　(▲8.1％) FY2027　21.3360　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yushin Kougyo (優真工業)	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 4.0956　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　3.9851　(▲2.7％) FY2025　3.8745　(▲5.4％) FY2026　3.7639　(▲8.1％) FY2027　3.6533　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yuma Paint Co. (ユウマペイント)	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.102	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　7.8901　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％ FY2030　▲21.6％ FY2031　▲24.3％ FY2032　▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yoshida Industries Co.,Ltd.	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 10.0622　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　9.7905 （▲2.7％） FY2024　9.5189 （▲5.4％） FY2025　9.2472 （▲8.1％） FY2026　8.9755 （▲10.8％） FY2027　8.7038 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
RASATEC CO.,LTD.	Manufacturing	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 5.0182　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　4.8827　(▲2.7％) FY2025　4.7472　(▲5.4％) FY2026　4.6118　(▲8.1％) FY2027　4.4763　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
REXIA	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.13	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 5.1197　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　4.9814　(▲2.7％) FY2024　4.8432　(▲5.4％) FY2025　4.7050　(▲8.1％) FY2026　4.5668　(▲10.8％) FY2027　4.4285　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Reha Contents (リハコンテンツ)	Others (including service industry)	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions per 100 million yen of sales in directly managed divisions　（t-CO₂/100 million yen）（actual result：FY2023 65.2490　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　63.4873　(▲2.7％) FY2025　61.7256　(▲5.4％) FY2026　59.9638　(▲8.1％) FY2027　58.2021　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Ryokounyu Inc.	Transportation	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲18.9％ of FY2022 level by FY2029. （actual result：FY2022　230.0221　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Looop	Energy	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.2	billion yen	Total power generation capacity of solar power generation facilities constructed by our company　(MW) （actual result：FY2023　 535MW）【Target】 FY2024　584MW FY2025　633MW	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Rayes (レイエス)	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　 65.5298　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　63.7605　(▲2.7％) FY2025　61.9912　(▲5.4％) FY2026　60.2219　(▲8.1％) FY2027　58.4525　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
LEO CORPORATION	Real estate and construction	The Chiba Bank, Ltd.	September, 2024	ー	Chibagin Research Institute Corporation	0.5	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　 547.396　t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　532.616　(▲2.7％) FY2025　517.837　(▲5.4％) FY2026　503.057　(▲8.1％) FY2027　488.277　(▲10.8％) FY2028　473.498　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
izumiteihonten (泉亭本店)	Food, Beverages, Tobacco, etc.	The Gunma Bank,Ltd.	August, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to at least 70% by 2026/May, and maintain this rate at 70% or higher thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
AQUA CORPORATION	Food, Beverages, Tobacco, etc.	The Gunma Bank,Ltd.	August, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Reduce greenhouse gas emissions by 3.7% per year as a percentage of sales based on FY2024/November.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Cherry Garden	Real estate and construction	The Bank of Kyoto, Ltd.	August, 2024	ー	Japan Credit Rating Agency, Ltd.※	ー	ー	Reduction of CO₂ emissions from business activities （Actual emissions in base year：4.9 t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　4.7 t　(-4.1%) FY2025　4.6 t　(-6.1%) FY2026　4.5 t　(-8.2%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
OSAWAYA CO., LTD.	Food, Beverages, Tobacco, etc.	The Gunma Bank,Ltd.	August, 2024	ー	Rating & Investment Information, Inc. ※	ー	ー	Reduce greenhouse gas emissions by 2.7% per year based on 2024/Jan.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Hodo Kogyo Co., Ltd. (宝登興業)	Transportation	The Gunma Bank,Ltd.	August, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Achieve an annual paid leave utilization rate of at least 70% from the fiscal year ending March 31, 2025 onward.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Arakawa Sangyo Co., Ltd.	Real estate and construction	Daishi Hokuetsu Bank, Ltd	August, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	0.15	billion yen	SPT① Volume of scrap tires handled (t) （actual result：2022/July2,000、2023/July2,000、2024/July2,000) 【Target】 2025/July 2,500 2026/July 5,493 2027/July 5,772 2028/July 5,951 SPT② Reduction of general waste (t) （actual result：2022/July180、2023/July180、2024/July200) 【Target】 2025/July 1,000 2026/July 5,000 2027/July 6,000 2028/July 7,000	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
International School Corporation (学校法人国際総合学園)	Finance (including REITs)	Daishi Hokuetsu Bank, Ltd	August, 2024	ー	Daishi Hokuetsu Research & Consulting.Ltd.	ー	ー	Number of foreign students（person）（actual result：2021/Apr. 396、2022/Apr. 412、2023/Apr. 342、2024/Apr. 605) 【Target】 2025/Apr.　625 2026/Apr.　686 2027/Apr.　748 2028/Apr.　813 2029/Apr.　879 2030/Apr.　947 2031/Apr.　1,017 2032/Apr.　1,088 2033/Apr.　1,162	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Mitomo (美友)	Others (including service industry)	The Hyakujushi Bank, Ltd.	August, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage of employees taking paid leave（%）【Target】 2024/Dec. 60 2025/Dec. 65 2026/Dec. 70 2027/Dec. 70 2028/Dec. 70 2029/Dec. 70 2030/Dec. 70	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Tominaga Co., Ltd.	Manufacturing	The Hyakujushi Bank, Ltd.	August, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage of employees taking paid leave	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
TIMS Corporation	Manufacturing	The Hyakujushi Bank, Ltd.	August, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage of environmentally friendly container boxes purchased（%）【Target】 FY2024 75.0 FY2025 75.0 FY2026 80.0 FY2027 80.0 FY2028 85.0 FY2029 85.0 FY2030 90.0	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Nippon Paper Industries Co., Ltd.	Manufacturing	Nippon Life Insurance Company	August, 2024	-	Rating & Investment Information, Inc. ※	2	billion yen	Achieve CDP Climate Change Score Leadership Level (A, A-)	The system will provide incentives (e.g., lowering the interest rate for the next applicable period in which the SPTs are achieved, or raising the interest rate if the SPTs are not achieved) based on the status of achievement of the SPTs.	The borrower shall report the status of achievement of SPTs to the department in charge of lending, in principle, once a year until the fulfillment of obligations is completed. The report shall also include evidence, data, and other prima facie evidence necessary for verification work.
Johoku Chemical Co.,Ltd.	Manufacturing	THE TOHO BANK, LTD.	August, 2024	-	TOHO AREA RESEARCH INSTITUTE	0.3	billion yen	・Achieve an annual paid leave utilization rate of at least 75% by FY2026, and maintain this rate thereafter. ・Percentage of male employees taking childcare leave to be 100% after FY2024	The company is required to report in writing to The Toho Bank by the reporting deadline on its progress in achieving the SPTs, and if it is confirmed that it has achieved the target figures, the interest rate applicable to the loan period will be reduced.	The company shall report to The Toho Bank once a year in writing that confirms the status of achievement of the SPTs. Upon verification by the Toho Area Research Institute, the company shall submit to The Toho Bank, in writing, documents that can confirm the status of achievement of the SPTs.
YAMAWA Holdings. (彌満和ホールディングス)	Manufacturing	THE TOHO BANK, LTD.	August, 2024	-	TOHO AREA RESEARCH INSTITUTE	0.4	billion yen	Reduction rate (per 1,000 units produced) of CO₂ emissions (Scope 1 and Scope 2) at the plant portion of our group company, Yamawa Manufacturing Co.,Ltd.: 61.82% of FY2013 level by FY2028	The company is required to report in writing to The Toho Bank by the reporting deadline on its progress in achieving the SPTs, and if it is confirmed that it has achieved the target figures, the interest rate applicable to the loan period will be reduced.	The company shall report to The Toho Bank once a year in writing that confirms the status of achievement of the SPTs. Upon verification by the Toho Area Research Institute, the company shall submit to The Toho Bank, in writing, documents that can confirm the status of achievement of the SPTs.
Nomura Real Estate Holdings, Inc.	Real estate and construction	THE SHIGA BANK，LTD．	August, 2024	-	Rating & Investment Information, Inc.	0.5	billion yen	Reduce total greenhouse gas (CO₂) emissions for Scope 1, 2, and Scope 3 by 35% by 2030 (compared to FY 2019)	Preferential applicable interest rates based on achievement of SPTs	Nomura Real Estate Holdings, Inc. will report emissions for each of Scope 1, 2 and 3 on its sustainability website and in its Sustainability Report, along with information on its sustainability policy and governance.
Godo seika (大印合同青果)	Wholesale and retail trade	Daishi Hokuetsu Bank, Ltd	August, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Proportion of total purchases from producers to total purchases	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
YAMAJU	Food, Beverages, Tobacco, etc.	Daishi Hokuetsu Bank, Ltd	August, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Percentage of Niigata-grown wheat used (by weight) （actual result：2022/Mar. 1.7%、2023/Mar. 19.6%、2024/Mar. 24.0%）【Target】 2025/Mar. 24.80% 2026/Mar. 25.70% 2027/Mar. 26.50% 2028/Mar. 27.40% 2029/Mar. 28.20% 2030/Mar. 29.10% 2031/Mar. 29.90% 2032/Mar. 30.70% 2033/Mar. 31.60% 2034/Mar. 32.40% 2035/Mar. 33.30% 2036/Mar. 34.10% 2037/Mar. 35.00% 2038/Mar. 35.00%	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
EIWA SHOJI Co.,Ltd	Wholesale and retail trade	The Hiroshima Bank, Ltd.	August, 2024	7 years	HIROGIN area design Co. Ltd.	0.2	billion yen	Metal scrap recycling rate	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
Ohm Giken (オーム技研)	Manufacturing	The Shikoku Bank, Ltd.	August, 2024	-	Rating & Investment Information, Inc. ※	-	-	Achieve at least 99.1% waste recycling rate （actual result：2023/June　98.3%、2024/June　98.8%）【Target】 2025/June　99.1% 2026/June　99.1% 2027/June　99.1% 2028/June　99.1% 2029/June　99.1% 2030/June　99.1% 2031/June　99.1%	If the SPTs are achieved each fiscal year, the design provides for a one-year reduction in the interest rate from the first interest calculation start date that falls after the SPTs determination date.	The borrower shall submit to the lender written documentation confirming the achievement of SPTs once a year, no later than three months after the end of the fiscal year.
meiko Co.Ltd.	Manufacturing	THE SEISHIN SHINKIN BANK.	August, 2024	5 years	Rating & Investment Information, Inc. ※	0.01	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
MARUMORISUISAN CO.,LTD	Wholesale and retail trade	THE SEISHIN SHINKIN BANK.	August, 2024	5 years	Rating & Investment Information, Inc. ※	0.01	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
Shizuoka Prefecture School Lunch Materials (静岡県給食資材)	Food, Beverages, Tobacco, etc.	THE SEISHIN SHINKIN BANK.	August, 2024	5 years	Rating & Investment Information, Inc. ※	0.02	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
Shimizu reito Co. Ltd.	Food, Beverages, Tobacco, etc.	THE SEISHIN SHINKIN BANK.	August, 2024	5 years	Rating & Investment Information, Inc. ※	0.03	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
BISCUSS	Others (including service industry)	THE TOTTORI BANK, LTD	August, 2024	-	Rating & Investment Information, Inc. ※	0.1	billion yen	Percentage of female managers in management positions	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
RIKUZEN SOUGOU KAIHATSU CO.,LTD.	Others (including service industry)	The 77 Bank, Ltd.	August, 2024	-	77 Research and Consulting Co.,Ltd.	0.2	billion yen	Achieve and maintain a construction mixed waste recycling and reduction rate of at least 70%.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
HOKKAIYA (合同会社北海屋)	Others (including service industry)	The 77 Bank, Ltd.	August, 2024	-	77 Research and Consulting Co.,Ltd.	0.1	billion yen	Achieve 95% share of generic drug sales volume by February 2027.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
AD.MAX	Real estate and construction	The 77 Bank, Ltd.	August, 2024	-	77 Research and Consulting Co.,Ltd.	0.1	billion yen	Aim to achieve an acquisition rate (based on the number of buildings) of 80% of BELS certification that meets the ZEH standard for buildings sold by the Company in the fiscal year ending July 31, 2028.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Yamada Construction(山田工務店)	Real estate and construction	Shimada Kakegawa Shinkin Bank	August, 2024	ー	Shinkin Economic Research Institute	ー	ー	Increase the ratio of female managers in the company to 23.3% by FY2029	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative and will revert to the original level of interest rates when not achieved.	The borrower shall report to the Shimada Kakegawa Shinkin Bank's sales branch once a year over the term of the loan on the status of achievement of SPTs, etc., based on the contract signed at the time of loan disbursement. The report shall also include evidence and other prima facie evidence necessary for verification. The contents of the reports and prima facie evidence will be shared with the Regional Support Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
Chuen Heat Treatment Engineering Co., Ltd.(中遠熱処理技研)	Finance (including REITs)	Shimada Kakegawa Shinkin Bank	August, 2024	ー	Shinkin Economic Research Institute	0.1	billion yen	Reduce CO₂ emissions intensity per unit of sales by 3% per year	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative and will revert to the original level of interest rates when not achieved.	The borrower shall report to the Shimada Kakegawa Shinkin Bank's sales branch once a year over the term of the loan on the status of achievement of SPTs, etc., based on the contract signed at the time of loan disbursement. The report shall also include evidence and other prima facie evidence necessary for verification. The contents of the reports and prima facie evidence will be shared with the Regional Support Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
MIGALO HOLDINGS Inc.	Real estate and construction	The Hyakujushi Bank, Ltd.	August, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage of employees taking paid leave	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
S・MATEC (エス・マテック)	Others (including service industry)	THE SEISHIN SHINKIN BANK.	August, 2024	5 years	Rating & Investment Information, Inc. ※	0.01	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
Renewable Japan Co.,Ltd.	Energy	The Higashi-Nippon Bank, Limited	August, 2024	-	Hamagin Research Institute,Ltd.	-	-	Net increase in installed capacity of domestic solar power plants in each year through the end of December 2031: 70MW	Incentive designs include one that determines the achievement of SPTs every year and applies a preferential interest rate upon achievement, and another that determines the achievement of SPTs only once during the loan period.	At least once a year, lenders are designed to receive disclosure and reports on the latest information regarding the achievement of SPTs.
TOKYU CORPORATION	Transportation	Syndication method (Arranger:Mizuho Bank, Ltd.) 11 domestic financial institutions	August, 2024	-	Japan Credit Rating Agency, Ltd.	10	billion yen	Reduction rate of CO₂ emissions (total volume basis, Scope 1 & 2) of our company and our consolidated subsidiaries (compared to FY2019) 【Target】 FY2030 46.2％	Varies depending on achievement of SPT (1) Step up/step down of interest rate, (2) Donation	Report on the status of SPT achievement on an annual basis on the Company's website or to the lender.
FUJI REITOU Co.,Ltd.	Others (including service industry)	THE SEISHIN SHINKIN BANK.	August, 2024	5 years	Rating & Investment Information, Inc. ※	0.01	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
Tamon syoten (多聞書店)	Food, Beverages, Tobacco, etc.	The Gunma Bank,Ltd.	August, 2024	ー	Rating & Investment Information, Inc. ※	ー	ー	Reduce greenhouse gas emissions by 3.7% per year as a percentage of sales, based on the fiscal year ending June 2024.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Tsuge sangyo (柘産業)	Manufacturing	Kyoto Chuo Shinkin Bank	August, 2024	ー	Japan Credit Rating Agency, Ltd. ※	ー	ー	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 18.4 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　17.6t（-4.3％) FY2025　17.6t（-4.3％) FY2026　17.6t（-4.3％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
kui-kentech Co.,Ltd.	Others (including service industry)	The Joyo Bank, Ltd.	August, 2024	5 years	Japan Credit Rating Agency, Ltd.	0.1	billion yen	CO₂ emission（Scope1・2）：21.0％ reduction in FY2027（compared to FY2022）	Arrangements are in place to vary financial characteristics depending on the achievement of the SPT.	Reporting after the execution of this loan is properly planned.
Imahashi Co., Ltd.	Manufacturing	The Joyo Bank, Ltd.	August, 2024	7 years	Japan Credit Rating Agency, Ltd.	0.11	billion yen	Obtain certification as a Excellent Health Management Corporation by the end of June, 2030.	Arrangements are in place to vary financial characteristics depending on the achievement of the SPT.	Reporting after the execution of this loan is properly planned.
Takaragaike kenzai (宝ヶ池建材)	Manufacturing	Kyoto Chuo Shinkin Bank	August, 2024	ー	Japan Credit Rating Agency, Ltd. ※	ー	ー	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 384.0t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　368.5t (-4.0％) FY2025　368.5t (-4.0％) FY2026　368.5t (-4.0％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Nippon Paper Industries Co., Ltd.	Manufacturing	Meiji Yasuda Life Insurance Company	August, 2024	-	Rating & Investment Information, Inc. ※	5	billion yen	Reduce GHG emission by 54%（compared to FY2013）	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
HIRAKIN Inc.	Others (including service industry)	The Hiroshima Bank, Ltd.	August, 2024	10 years	HIROGIN area design Co. Ltd.	0.5	billion yen	SPT① Number of recycling classes held SPT② Employment rate of persons with disabilities	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
kusuhara Bin Kandume (楠原壜罐詰工業)	Food, Beverages, Tobacco, etc.	The Iyo Bank, Ltd.	August, 2024	5 years	IYOGIN REGIONAL ECONOMY RESEARCH CENTER,INC.	0.2	billion yen	SPT① Reduction rate of CO₂ emission (total volume basis)：30% reduction by FY2030（compared to FY2018） SPT② Reduction rate of water consumption intensity: 25% reduction by FY2030 (compared to FY2018)	-	-
Infinity Medical Corporation (医療法人社団インフィニティメディカル)	Others (including service industry)	The Gunma Bank,Ltd.	August, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to at least 70% by 2024/December, and maintain this rate at 70% or higher thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Bisou express (毘双運輸)	Transportation	Kyoto Chuo Shinkin Bank	August, 2024	ー	Japan Credit Rating Agency, Ltd. ※	ー	ー	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 5198.9 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　5095.1t (-2.0％) FY2025　5095.1t (-2.0％) FY2026　5095.1t (-2.0％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Gunma Kouki (群馬工機)	Wholesale and retail trade	The Ashikaga Bank, Ltd.	August, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Obtaining certification as an excellent health management corporation	A mechanism has been set up to change the interest rate if a pre-set SPT is achieved.	The Ashikaga Bank plans to review SPT performance for each borrower at least once a year from loan origination to full repayment. With respect to reporting, Ashikaga Bank intends to encourage borrowers to disclose SPT performance on the borrower's website or other disclosure materials.
Mutsumi Electric Construction Co., Ltd. (睦電設工業)	Transportation	THE SEISHIN SHINKIN BANK.	August, 2024	5 years	Rating & Investment Information, Inc. ※	0.02	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
Honda Cars CHUOSHIZUOKA	Others (including service industry)	Shimada Kakegawa Shinkin Bank	August, 2024	-	Shinkin Economic Research Institute	-	-	EV sales	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative and will revert to the original level of interest rates when not achieved.	The borrower shall report to the sales branch of Shimada Kakegawa Shinkin Bank once a year over the term of the loan on the status of achievement of SPTs, etc., based on the contract signed at the time of loan disbursement. The report shall also include evidence and other prima facie evidence necessary for verification. The contents of the reports and prima facie evidence will be shared with the Regional Support Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
Tsuji Kyuso Service Co. (辻急送サービス)	Transportation	The Ashikaga Bank, Ltd.	August, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Obtaining SBT certification for small and medium-sized enterprises (SMEs)	A mechanism has been set up to change the interest rate if a pre-set SPT is achieved.	The Ashikaga Bank plans to review SPT performance for each borrower at least once a year from loan origination to full repayment. With respect to reporting, Ashikaga Bank intends to encourage borrowers to disclose SPT performance on the borrower's website or other disclosure materials.
Kyoeidensetu (協栄電設)	Others (including service industry)	The 77 Bank, Ltd.	August, 2024	-	77 Research and Consulting Co.,Ltd.	-	-	Reduce CO₂ emissions (Scope 1 + Scope 2) per million yen of sales by 50% by the fiscal year ending August 2043, based on the fiscal year ending August 2023.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Goshiki Seika (五色青果)	Wholesale and retail trade	The Hyakujushi Bank, Ltd.	August, 2024	-	Rating & Investment Information, Inc. ※	-	-	Amount of waste generated per 1 million yen in sales (kg/million yen) 【Target】 FY2024 29.3 FY2025 28.4 FY2026 27.5 FY2027 26.7 FY2028 25.9 FY2029 25.1 FY2030 24.4 FY2031 23.7 FY2032 22.9	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
FCR	Real estate and construction	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce the rate of CO₂ emissions per 1,000 m2 of total floor space at company-operated sites to 27.0% of the FY2023 level by FY2033. （actual result：FY2023　124.5343　t-CO₂/1,000 ㎡）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％ FY2033　▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
KATANO Sokuryo Sekkei (片野測量設計)	Others (including service industry)	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022　18.4128　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen, figures in parentheses indicate reduction rate compared to FY2022) FY2023　17.9157 （▲2.7％） FY2024　17.4185 （▲5.4％） FY2025　16.9214 （▲8.1％） FY2026　16.4242 （▲10.8％） FY2027　15.9271 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kato Unyu (加藤運輸)	Transportation	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.15	billion yen	SPT① Percentage of environmentally friendly vehicles owned （actual result：FY2023　 21.88%）【Target】 FY2024 25.11％ FY2025 28.34％ SPT② Number of environmentally friendly vehicles owned （actual result：FY2023　 7 vehicles）【Target】 FY2024 9 vehicles FY2025 10 vehicles	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
CREART	Wholesale and retail trade	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023 1.5618 t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　1.5196　(▲2.7％) FY2025　1.4775　(▲5.4％) FY2026　1.4353　(▲8.1％) FY2027　1.3931　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Saito Kogyo (斎藤工業)	Real estate and construction	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023 24.7841 t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　24.1149　(▲2.7％) FY2025　23.4458　(▲5.4％) FY2026　22.7766　(▲8.1％) FY2027　22.1074　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SANKO Logistics Corporation (サンコー物流)	Transportation	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	1.5	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　331.4844　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
sanyo realty Co.,Ltd.	Real estate and construction	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.15	billion yen	SPT① Obtaining and maintaining Eruboshi certification SPT② Obtaining and maintaining Platinum Eruboshi certification	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SANWA PRECISION INDUSTRIAL CO.,LTD.	Manufacture	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023 536.263 t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　521.784　(▲2.7％) FY2025　507.305　(▲5.4％) FY2026　492.826　(▲8.1％) FY2027　478.347　(▲10.8％) FY2028　463.868　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Souei Sangyo (創栄産業)	Real estate and construction	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023　19.1215　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　18.6052　(▲2.7％) FY2025　18.089　(▲5.4％) FY2026　17.5727　(▲8.1％) FY2027　17.0564　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Daishin Auto	Wholesale and retail trade	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　1.1758　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Tsuruoka Foods	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per million yen of gross profit to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　2.7935 t-CO₂/million yen）【Target for each fiscal year】 FY2023 ▲2.7％ FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Naniwa Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.15	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2022 134.9047 t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2024　127.6198　(▲5.4％) FY2025　123.9774　(▲8.1％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
NISHIBARAYA	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　71.7605　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Hirano Corporation	Others (including service industry)	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023　109.6453　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　106.6849　(▲2.7％) FY2025　103.7245　(▲5.4％) FY2026　100.7641　(▲8.1％) FY2027　97.8036　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Bloom (ブルーム)	Others (including service industry)	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　22.5411　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Boso Co., Ltd. (ボーソー)	Others (including service industry)	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　24.549　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7％ FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Manyu Kogyo (万結工業)	Manufacture	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales （actual result：FY2022 38.3175　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen, figures in parentheses indicate reduction rate compared to FY2022) FY2024　36.2483 （▲5.4％） FY2025　35.2138 （▲8.1％） FY2026　34.1792 （▲10.8％） FY2027　33.1446 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
WAGO (和郷)	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	August, 2024	ー	Chibagin Research Institute Corporation	0.21	billion yen	Reduce waste of processed raw materials per 1 kg of processed vegetables to -20.7% of the FY2023 level by FY2032. （actual result：FY2023　 0.14052 kg/kg）【Target for each fiscal year】 FY2024　▲2.3％ FY2025　▲4.6％ FY2026　▲6.9％ FY2027　▲9.2％ FY2028　▲11.5％ FY2029　▲13.8％ FY2030　▲16.1％ FY2031　▲18.4％ FY2032　▲20.7％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Horie Shokai Corporation.	Real estate and construction	The Bank of Kyoto, Ltd.	July, 2024	ー	Japan Credit Rating Agency, Ltd.※	ー	ー	Reduction of CO₂ emissions from business activities （Actual emissions in base year：2.4 t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　2.3 t　(-4.2%) FY2025　2.2 t　(-8.3%) FY2026　2.2 t　(-8.3%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Tsuji Kyuso Service Co. (辻急送サービス)	Transportation	The Gunma Bank,Ltd.	July, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Achieve 100% of male employees taking childcare leave each fiscal year.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Moriaki Ryokan Co., Ltd.	Others (including service industry)	The Gunma Bank,Ltd.	July, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year based on the fiscal year ending June 30, 2023.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Mitani Kensetsu (ミタニ建設工業)	Wholesale and retail trade	The Hyakujushi Bank, Ltd.	July, 2024	-	Rating & Investment Information, Inc. ※	-	-	Job turnover rate：Under 5.5% after FY2024	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Fine Label	Others (including service industry)	The Gunma Bank,Ltd.	July, 2024	-	Rating & Investment Information, Inc. ※	-	-	Maintain 100% or more of annual paid leave utilization rate.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Fuji Corporation Limited	Real estate and construction	Kansai Mirai Bank, Limited	July, 2024	-	Rating & Investment Information, Inc.	-	-	Increase the number of serviced senior housing units managed by Fuji Housing Group by approximately 5% annually 【Target】 2025/Mar.　263 2026/Mar.　276 2027/Mar.　289 2028/Mar.　303 2029/Mar.　318	Status of the number of serviced senior housing units for each fiscal year at the end of March of each year will be checked, and if the target is achieved, the interest rate will be reduced.	Fuji Housing shall report the progress of KPIs to lenders once a year, and shall report in writing to lenders on the number of serviced senior housing units in operation, a KPI, and, as a listed company, disclose this information to the general public by including it in financial results presentation materials to outside parties.
Mizuho Leasing Company, Limited	Finance (including REITs)	Syndication method (Arranger:Mizuho Bank, Ltd.)	July, 2024	3 years	Rating & Investment Information, Inc.	-	-	Secure 1 GW of renewable energy generation capacity by FY2025	Depending on the status of not achieved/achieved at the time of the SPT determination, one of the following will be implemented. (1) Step up/down the interest rate, (2) Purchase emission credits, (3) Donation	Until the redemption/repayment of the procured funds, information such as KPI performance, information that may affect the achievement of the SPT (e.g., setting/updating the sustainability strategy), etc., will be reported to the lender through the agent on an annual basis until the determination date, beginning with the year following the procurement.
Niigata Pyrotechnics Corporation	Manufacturing	Daishi Hokuetsu Bank, Ltd	July, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Number of employees (full-time employees) in their 40s or younger 【Target】 2025/Jan.　1 person 2026/Jan.　1 person 2027/Jan.　1 person 2028/Jan.　1 person 2029/Jan.　1 person 2030/Jan.　1 person 2031/Jan.　1 person	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Okayama Yakult (岡山ヤクルト販売)	Food, Beverages, Tobacco, etc.	The Hiroshima Bank, Ltd.	July, 2024	5 years	HIROGIN area design Co. Ltd.	0.1	billion yen	① Breast cancer screening rate （actual result：2022/Mar. 81%、2023/Mar. 84%、2024/Mar. 81%）【Target】 2025/Mar.Forecast 82% 2026/Mar. 84% 2027/Mar. 86% 2028/Mar. 88% 2029/Mar. 90% ② Percentage of Yakult Ladies Receiving Health Checkups （actual result：2022/Mar. 12%、2023/Mar. 24%、2024/Mar. 23%）【Target】 2025/Mar.Forecast 24% 2026/Mar. 25% 2027/Mar. 26% 2028/Mar. 28% 2029/Mar. 30% ③ Percentage of employees taking paid leave （actual result：2022/Mar. 72%、2023/Mar. 78%、2024/Mar. 63%）【Target】 2025/Mar.Forecast 64% 2026/Mar. 65% 2027/Mar. 66% 2028/Mar. 68% 2029/Mar. 70%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
Pegasus Unyu	Transportation	The Ehime Bank, Ltd.	July, 2024	15 years	Himegin Information Center（ひめぎん情報センター）	0.7	billion yen	① Male childcare leave utilization rate: 100% in FY2024 and maintain 100% each year thereafter ② Paid leave utilization rate: 70% in FY2025, 1% each year thereafter	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	The company will report to Ehime Bank on the status of SPTs achievement once a year over the term of the loan, and will also disclose this information to the public.
Sanyo Homes Corp.	Real estate and construction	Daishi Hokuetsu Bank, Ltd	July, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	ZEH ratio of new detached houses （actual result：2020/Mar. 54%、2021/Mar. 75%、2022/Mar. 93%、2023/Mar. 100%、2024/Mar. 97%）【Target】 2025/Mar. 　93％ 2026/Mar. 　93％	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Sanyo Syoji CO.,LTD.	Others (including service industry)	The Hiroshima Bank, Ltd.	July, 2024	7 years	HIROGIN area design Co. Ltd.	0.1	billion yen	① CO₂ emissions reduction rate (compared to 2018 results) （actual result：FY2023 22.6%）【Target】 FY2024 25.0% FY2025 26.0％ FY2026 27.0% FY2027 29.0% FY2028 33.0% FY2029 40.0% FY2030 50.0％ ② recycling rate （actual result：FY2023 99.4%）【Target】 FY2024～FY2030：99.0％	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
YAMADA Corporation. Co.,ltd.	Real estate and construction	Daishi Hokuetsu Bank, Ltd	July, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.12	billion yen	Percentage of the number of detached homes meeting the G2 grade in the number of Gran House brand detached homes completed in each fiscal year. （actual result：2023/July 12.5%）【Target】 2025/July　15.0％ 2026/July　20.0％ 2027/July　25.0％ 2028/July　30.0％ 2029/July　40.0％ 2030/July　50.0％	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
NTN	Manufacturing	The Chugoku Bank, Ltd	July, 2024	5 years	Rating & Investment Information, Inc. ※	1	billion yen	Domestic CO₂ emissions (unit: 10,000 tons) 【Targets】 FY2024 287,000 tons FY2025 271,000 tons FY2026 255,000 tons FY2027 239,000 tons FY2028 223,000 tons	The system is designed to apply a pre-determined reduction in interest rates when the SPTs are achieved.	Submit documents showing the status of achievement of the SPTs as of the judgment reference date in the prescribed form once a year until the fulfillment of the obligations is completed.
CLAVIS	Real estate and construction	THE TOTTORI BANK, LTD	July, 2024	-	Rating & Investment Information, Inc. ※	0.05	billion yen	Increase in the percentage of ZEH-standard housing built	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
Jinseikai (社会医療法人仁生会)	Others (including service industry)	The Hyakujushi Bank, Ltd.	July, 2024	-	Rating & Investment Information, Inc. ※	-	-	Job turnover rate 【Target】 FY2024　13.0％ or lower FY2025　12.8％ or lower FY2026　12.6％ or lower FY2027　12.4％ or lower	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
RERISE	Real estate and construction	The Gunma Bank,Ltd.	45499	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to at least 70% by the fiscal year ending October 31, 2028.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
MUGEN ESTATE Co., Ltd.	Real estate and construction	THE TOTTORI BANK, LTD	July, 2024	-	R&I※	0.3	billion yen	CO₂ emission reduction rate per 100 million yen of sales： Reduce 46% from FY2021 level by FY2030	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
SHIMADA CO.,LTD.	Manufacturing	The Gunma Bank,Ltd.	July, 2024	-	Gungin Consulting Co., Ltd.	-	-	Reduce greenhouse gas emissions by 4.2% per year based on FY2021/Oct.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
FUJI SHOKO CO., LTD.	Manufacturing	The Gunma Bank,Ltd.	July, 2024	-	Rating & Investment Information, Inc. ※	-	-	Achieve an annual paid leave utilization rate of at least 75% in the fiscal year ending March 31, 2025, and maintain this rate at 75% or higher in the fiscal year ending March 31, 2026 and beyond.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
MUGEN ESTATE Co., Ltd.	Real estate and construction	The Musashino Bank,Ltd.	July, 2024	-	Bugin Economic Research Institute, Ltd.	0.15	billion yen	CO₂ emissions reduction rate per 100 million yen of consolidated net sales (46% reduction from FY2021 level by 2030)	Preferential interest rates based on achievement of SPTs	In principle, report the status of achievement regarding SPTs to the Musashino Bank on an annual basis.
YAGISHITA GIKEN. Co., LTD.	Manufacturing	The Ashikaga Bank, Ltd.	July, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Obtaining DX Certification	A mechanism has been set up to change the interest rate if a pre-set SPT is achieved.	The Ashikaga Bank plans to review SPT performance for each borrower at least once a year from loan origination to full repayment. With respect to reporting, Ashikaga Bank intends to encourage borrowers to disclose SPT performance on the borrower's website or other disclosure materials.
Ishikawa Kenzai (石川建材)	Others (including service industry)	THE SEISHIN SHINKIN BANK	July, 2024	5 years	Rating & Investment Information, Inc. ※	0.03	billion yen	Reduction rate of CO₂ emissions in business activities	The incentive design is designed to reduce the interest rate based on the terms of the contract when SPTs are achieved. The reduced interest rate on achievement is not cumulative and reverts back to the original rate if the SPTs are not reached.	The borrower will report annually to THE SEISHIN SHINKIN BANK branches over the term of the loan on the status of achievement of SPTs, etc., in accordance with the terms and conditions of the agreement concluded at the time of loan execution. The report shall also include evidence and other prima facie evidence necessary for verification work. Reporting contents and prima facie evidence will also be shared with the Management Consultation Department. Publication of the reporting contents on the borrower's website, etc. is at the borrower's discretion.
Kyouei (協栄)	Real estate and construction	The Hiroshima Bank, Ltd.	July, 2024	5 years	HIROGIN area design Co. Ltd.	0.05	billion yen	SPT① Improvement of paid leave utilization rate （actual result：2023/Aug. 35.1%、2024/Aug. 40.0%） 2025/Aug. 46.0% 2027/Aug. 57.0% 2026/Aug. 68.0% 2028/Aug. 80.0% 2029/Aug. 80.0% SPT② Male employees taking childcare leave 100% （actual result：2023/Aug. 100%、2024/Aug. 100%） 2025/Aug. 100% 2027/Aug. 100% 2026/Aug. 100% 2028/Aug. 100% 2029/Aug. 100%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
sumarch	Real estate and construction	The Hyakujushi Bank, Ltd.	July, 2024	-	Rating & Investment Information, Inc. ※	-	-	ZEH standard certification rate by BELS (Building Energy Efficiency Labeling System) 【Targets】 2024/Sep.　78％ 2025/Sep.　81％ 2026/Sep.　84％	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
HIRAKIN (平林金属)	Others (including service industry)	The Hyakujushi Bank, Ltd.	July, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage of male employees taking childcare leave	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Shinwa Craft Holdings (シンワクラフトホールディングス)	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	July, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Ratio of digital data orders to total orders received by Shinwa Dental Laboratory, the core company of the company group. （actual result：2022/Apr.　2.77％、2023/Apr.　4.27％、2024/Apr.　5.52％）【Target】 2025/Apr.　7.53％ 2026/Apr.　10.26％ 2027/Apr.　14.00％ 2028/Apr.　17.81％ 2029/Apr.　22.67％ 2030/Apr.　26.79％ 2031/Apr.　31.67％ 2032/Apr.　37.42％ 2033/Apr.　44.23％	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Daishin (大進)	Others (including service industry)	The Gunma Bank,Ltd.	July, 2024	-	Rating & Investment Information, Inc. ※	-	-	Achieve an annual paid leave utilization rate of 70% or higher in FY2024, and maintain this rate thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Estate Sakura (エステート桜)	Real estate and construction	The Gunma Bank,Ltd.	July, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce Hamaya's greenhouse gas emissions by 2.7% per year based on FY2023/Spt. ※Estate Sakura is a group company of Hamaya, which is involved in the reuse and recycling business, etc.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Chigira (千吉良)	Wholesale and retail trade	The Gunma Bank,Ltd.	July, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of production volume based on FY2024/Mar.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
KANZAI	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	July, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.105	billion yen	Number of consulting (mediation) for sites for renewable energy (storage batteries, solar, wind, etc.) （actual result：2023/Apr. 1 sites、 2024/Apr. 0 sites）【Target】 2027/Apr. 2 sites 2030/Apr. 3 sites 2033/Apr. 4 sites 2036/Apr. 5 sites	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Kyoei Construction Co., Ltd. (共栄建設)	Real estate and construction	The Bank of Kyoto, Ltd.	July, 2024	ー	Japan Credit Rating Agency, Ltd.※	ー	ー	Reduction of CO₂ emissions from business activities （Actual emissions in base year：124.7t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　119.7t　(-4.0%) FY2025　119.6t　(-4.1%) FY2026　119.5 t　(-4.2%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
IB Total Service Inc.	Transportation	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emission（t-CO₂）（actual result：FY2022 14.6900 t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2024　13.8967 （▲5.4％） FY2025　13.5001 （▲8.1％） FY2026　13.1035 （▲10.8％） FY2027　12.7069 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
ASTEL SUPPORT (アステルサポート)	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	SPT① Percentage of environmentally friendly vehicles owned：44.01％ or more by the end of FY2032 （actual result：FY2023 20.97%）【Target】 FY2024 23.53% FY2025 26.09% FY2026 28.65% FY2027 31.21% FY2028 33.77% FY2029 36.33% FY2030 38.89% FY2031 41.45% FY2032 44.01% SPT② Number of environmentally friendly vehicles owned：28 cars or more by the end of FY2032 （actual result：FY2023 13 cars）【Target】 FY2024 15 cars FY2025 17 cars FY2026 18 cars FY2027 20 cars FY2028 21 cars FY2029 23 cars FY2030 25 cars FY2031 26 cars FY2032 28 cars	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
AZEST (ア・ゼスト)	Real estate and construction	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　 1.65569 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　1.61098 （▲2.7％） FY2024　1.56628 （▲5.4％） FY2025　1.52158 （▲8.1％） FY2026　1.47687 （▲10.8％） FY2027　1.43217 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Ichikawa Sogyo (市川総業)	Real estate and construction	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 0.7434 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　0.7233 （▲2.7％） FY2024　0.7033 （▲5.4％） FY2025　0.6832 （▲8.1％） FY2026　0.6631 （▲10.8％） FY2027　0.6430 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
WEDGE	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　CO₂ emissions　38.189　t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
MSC	Natural resources and mining	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.14	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　CO₂ emissions per 100 million yen of sales　5.0112　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kanagawa Jyukukan (神奈川住空間)	Real estate and construction	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 4.2341 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　4.1198 （▲2.7％） FY2024　4.0055 （▲5.4％） FY2025　3.8912 （▲8.1％） FY2026　3.7768 （▲10.8％） FY2027　3.6625 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
KANKYO STATION CORPORATION	Real estate and construction	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	SPT① Obtained certification as an excellent health management corporation (small and medium size corporation category) during the loan period SPT② Obtained certification as an excellent health management corporation (Bright 500) during the loan period	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
K GRIT	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2023　 5.5644 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　5.4142　(▲2.7％) FY2025　5.2640　(▲5.4％) FY2026　5.1137　(▲8.1％) FY2027　4.9635　(▲10.8％) FY2028　4.8132　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kojima Toryo (小嶋塗料)	Wholesale and retail trade	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.123	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　CO₂ emissions　128.321　t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
sun pro person (サンプロパーソン)	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emission（t-CO₂）（actual result：FY2023　29.7850 t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　28.9808　(▲2.7％) FY2025　28.1766　(▲5.4％) FY2026　27.3724　(▲8.1％) FY2027　26.5682　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
sanwa-telem (三和テレム)	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲18.9％ of FY2022 level by FY2029. （actual result：FY2022　CO₂ emissions per 100 million yen of sales　9.1390　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7％ FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
CRG Holdings Corporation	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	Acquisition of certification as a Excellent Health Management Corporation (Bright 500)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
GB technology	Transportation	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.16	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　CO₂ emissions per 100 million yen of sales　 52.1178　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Taishin (大神)	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　CO₂ emissions per 100 million yen of sales　8.4309　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Takemoto Machinery Industries Co.,Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　 7.5235 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　7.1173 （▲5.4％） FY2025　6.9141 （▲8.1％） FY2026　6.7110 （▲10.8％） FY2027　6.5079 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Chiba Sato (千葉サトー)	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2023　20.8442 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate increase rate from FY2023） FY2024　20.2814　(▲2.7％) FY2025　19.7186　(▲5.4％) FY2026　19.1558　(▲8.1％) FY2027　18.5930　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
TALE HOUSING	Real estate and construction	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2023　5.9945 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate increase rate from FY2023） FY2024　5.8327　(▲2.7％) FY2025　5.6708　(▲5.4％) FY2026　55.090　(▲8.1％) FY2027　5.3471　(▲10.8％) FY2028　5.1853　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Nanohana (なのはな)	Wholesale and retail trade	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2023 level by FY2033. （actual result：FY2023　CO₂ emissions per 100 million yen of sales　 22.8695　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％ FY2033　▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
NEXTAGE GROUP Holdings (ネクステージグループホールディングス)	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions per thousand square meters of total floor area (t-CO₂/ 1000m2) （actual result：FY2022　73.3523 t-CO₂/ 1000m2）【Target】 (t-CO₂/ 1000m2、figures in parentheses indicate reduction rate compared to FY2022） FY2023　71.3718 （▲2.7％） FY2024　69.3913 （▲5.4％） FY2025　67.4108 （▲8.1％） FY2026　65.4303 （▲10.8％） FY2027　63.4497 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
B-Lot Company Limited	Real estate and construction	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2023　 0.2500 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate increase rate from FY2023） FY2024　0.2432　(▲2.7％) FY2025　0.2365　(▲5.4％) FY2026　0.2297　(▲8.1％) FY2027　0.2230　(▲10.8％) FY2028　0.2162　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
hishiki-unso, Inc.	Transportation	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2023 level by FY2033. （actual result：FY2023　CO₂ emissions per 100 million yen of sales　 373.4479　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％ FY2033　▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
FANTAS technology	Real estate and construction	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　 0.4424 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　0.4305 （▲2.7％） FY2024　0.4185 （▲5.4％） FY2025　0.4066 （▲8.1％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Matsunaga Automobile Sales Co., Ltd. (松永自動車販売)	Wholesale and retail trade	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　 3.0825 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　2.9993 （▲2.7％） FY2024　2.9160 （▲5.4％） FY2025　2.8328 （▲8.1％） FY2026　2.7496 （▲10.8％） FY2027　2.6664 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Mikuni Gakuen (学校法人みくに学園)	Others (including service industry)	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023　72.6007 t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　70.6405　(▲2.7％) FY2025　68.6803　(▲5.4％) FY2026　66.7201　(▲8.1％) FY2027　64.7599　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Meimei Co., Ltd. (銘明)	Wholesale and retail trade	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2023　 3.46244 t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　3.36896　(▲2.7％) FY2025　3.27547　(▲5.4％) FY2026　3.18198　(▲8.1％) FY2027　3.08850　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Roof Chukyo (屋根の中京)	Real estate and construction	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　CO₂ emissions per 100 million yen of sales 77.356　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
YOSHIMOTO Mushroom (芳源マッシュルーム)	Agriculture, forestry, fishing	The Chiba Bank, Ltd.	July, 2024	-	Chibagin Research Institute Corporation	0.18	billion yen	SPT① Reduce disposal of boiled mushrooms: 15.3% reduction from FY2023 by the end of FY2032 （actual result：FY2023 Amount of waste per kg of boiled mushrooms produced　 0.22319kg ） SPT② Reduce disposal of boiled water: 15.3% reduction compared to FY2023 by the end of FY2032 （actual result：FY2023 Amount of cooking liquid wasted per 1 kg of boiled mushroom production 0.64641ℓ/kg）【SPTs Reduction rate】 FY2024　1.70% FY2025　3.40% FY2026　5.10% FY2027　6.80% FY2028　8.50% FY2029　10.20% FY2030　11.90% FY2031　13.60% FY2032　15.30%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Fuji net kogyo (富士ネット工業)	Others (including service industry)	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
houkoku industry co.,Ltd.	Manufacturing	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
MJ HOME	Real estate and construction	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Acquisition of Eruboshi/Platinum Eruboshi Certification	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
M's corporation (エムズコーポレーション)	Manufacturing	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
Nakanao Shoji (仲直商事)	Wholesale and retail trade	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
NIHON SI-RU Co.,LTD.	Manufacturing	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
OZO kagakugiken CO.,LTD	Manufacturing	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
SCOPE COCO Co., Ltd.	Others (including service industry)	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
Shimada Kougyou (島田工業)	Manufacturing	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
Shunbin Co.,Ltd.	Others (including service industry)	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
Taiho (大豊製作所)	Manufacturing	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
TAMURA CO.,LTD.	Manufacturing	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
Wakabayashi Seiki (若林精機工業)	Manufacturing	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Acquisition of SBT for SMEs	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
Wedge co.,ltd.	Manufacturing	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is to vary the financial characteristics depending on the achievement of the SPT.	Reporting after the execution of this loan is properly planned.
YAMATO JYUKEN, INC	Real estate and construction	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
Yoshida seisakusyo (吉田製作所)	Manufacturing	The Bank of Kyoto, Ltd.	April-June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Certification of Excellent Health Management Corporation	The arrangement is such that financial characteristics change depending on the achievement of SPT.	The Bank of Kyoto plans to review the performance of the SPT for each borrower at least once a year from the time of loan disbursement until full repayment. Regarding reporting, the Bank of Kyoto plans to encourage borrowers to disclose the performance of the SPT on their websites or in other disclosure documents.
KISHI DOBOKU Co.,Ltd.	Real estate and construction	The Gunma Bank,Ltd.	June, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	The ratio of next-generation vehicles2 in the fleet of vehicles owned by the Company and Power Supply Gunma1 combined will be 67% or more by the fiscal year ending June 30, 2034. ※1 An affiliated subsidiary of the Company. ※2 Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Chiba Steel Industry Co., Ltd. (千葉スチール工業)	Real estate and construction	The Gunma Bank,Ltd.	June, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Increase the annual paid leave utilization rate to 70% or more by December 2028.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Meisyou medical (明翔メディカル)	Others (including service industry)	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Increase the ratio of next-generation vehicles in the fleet to 100% by 2031/Jun. and maintain this rate thereafter. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
NIKO (二光)	Manufacture	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Achieve an annual paid leave utilization rate of 70% or higher by 2031/Feb.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
aizawa (アイザワ)	Manufacturing	THE OKAZAKI SHINKIN BANK	June, 2024	-	Rating & Investment Information, Inc. ※	0.05	billion yen	-	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate will not be further reduced when the SPTs are achieved for two or more consecutive years, and the reduced rate will continue to apply. When the SPTs are not achieved, the interest rate will be returned to the initial level.	The borrower shall report the status of achievement of the SPTs to the business office of the Bank once a year in principle until the borrowing is fully repaid, in accordance with the terms and conditions of the MOU. The report shall also include prima facie evidence and data necessary for the verification work. The contents of the report and prima facie evidence will be shared with the Branch Support Department 2 and third-party organizations such as the borrower's tax advisor who conducts the verification work. The contents of the reporting shall not be disclosed.
Choei Seimitsu (長栄精密)	Manufacturing	THE SHONAI BANK, LTD.	June, 2024	-	Rating & Investment Information, Inc. ※	0.3	billion yen	Improvement of paid leave utilization rate and Improvement of turnover rate	The incentive design is such that when SPTs are achieved, the interest rate is reduced based on the terms of the contract. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	In principle, the borrower shall report the status of achievement of the SPTs to the Branch once a year. The report should also include prima facie evidence and data necessary for verification. In principle, the contents of the reports are not disclosed to the public.
FUJISAKI (藤崎)	Wholesale and retail trade	The 77 Bank, Ltd.	June, 2024	-	77 Research and Consulting Co.,Ltd.	-	-	① Increase the annual paid leave utilization rate ② Achieve and maintain 100% of male employees taking childcare leave	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
HOSHIKEN.Co.,Ltd	Wholesale and retail trade	The Gunma Bank,Ltd.	June, 2024	-	Gungin Consulting Co., Ltd.	-	-	Introduce at least one next-generation vehicle* each fiscal year, and when responding to an increase in the number of vehicles, all vehicles will be next-generation vehicles. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
IRAKO FARM	Food, Beverages, Tobacco, etc.	THE OKAZAKI SHINKIN BANK	June, 2024	-	Rating & Investment Information, Inc. ※	0.1	billion yen	-	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate will not be further reduced when the SPTs are achieved for two or more consecutive years, and the reduced rate will continue to apply. When the SPTs are not achieved, the interest rate will be returned to the initial level.	The borrower shall report the status of achievement of the SPTs to the business office of the Bank once a year in principle until the borrowing is fully repaid, in accordance with the terms and conditions of the MOU. The report shall also include prima facie evidence and data necessary for the verification work. The contents of the report and prima facie evidence will be shared with the Branch Support Department 2 and third-party organizations such as the borrower's tax advisor who conducts the verification work. The contents of the reporting shall not be disclosed.
JA MITSUI LEASING, LTD.	Finance (including REITs)	The Chukyo Bank, Ltd	June, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	① Targets for each fiscal year from FY2025 onward for cumulative renewable energy-related investments and loans by the company and its Group companies to reach 500 billion yen in FY2030 (Actual result: 56 billion yen in FY2021) 【Targets】 FY2025: 250 billion yen FY2026: 300 billion yen FY2027: 350 billion yen FY2028: 400 billion yen FY2029: 450 billion yen FY2030: 500 billion yen ②Targets for each fiscal year after FY2025 (compared to FY2021) for a 50% reduction in greenhouse gas emissions (Scope 1 and Scope 2) by FY2030 for the Company and domestic Group companies 【Targets】 FY2025 40% FY2026 42% FY2027 44% FY2028 46% FY2029 48% FY2030 50%	Arrangements are in place to change financial characteristics based on the achievement of SPTs.	Information that may affect KPI performance/SPTs achievement and details of emission credits purchased or donated, reported only to the loan lender
Kobayou (コバヨウ)	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	June, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.14	billion yen	CO₂ emissions per net sales (Scope 1 & 2) （actual result：2022/May　0.853、2023/May 0.731 （14.3%））【Target】 (Figures in parentheses are reduction rates compared to 2022/May) 2025/May　0.7(17.90%) 2026/May　0.67(21.50%) 2027/May　0.639(25.10%) 2028/May　0.608(28.70%) 2029/May　0.577(32.40%) 2030/May　0.546(36.00%) 2031/May　0.515(39.60%) 2032/May　0.484(43.20%) 2033/May　0.454(46.80%) 2034/May　0.423(50.40%)	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
MUSASHI corporation (武蔵コーポレーション)	Real estate and construction	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions of the entire group by 2.7% each fiscal year as a percentage of consolidated net sales based on FY2023/Aug.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Power Assist Co.,Ltd.	Electronic components, devices, information equipment, etc.	Daishi Hokuetsu Bank, Ltd	June, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Composition of shipments of products with excellent power-saving characteristics as a percentage of total product shipments （actual result：2022/Mar. 0.76%、2023/Mar. 9.99%、2024/Mar. 33.61%）【Target】 2025/Mar. 38.41% 2026/Mar. 43.90% 2027/Mar. 50.17% 2028/Mar. 57.34% 2029/Mar. 65.53% 2030/Mar. 74.89%	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Power System co.,Ltd.	Real estate and construction	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year based on FY2024/May	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
RESOL HOLDINGS Co., Ltd.	Others (including service industry)	The Hyakujushi Bank, Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage of female managers	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Sanpack system (サンパックシステム)	Manufacturing	Daishi Hokuetsu Bank, Ltd	June, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.1	billion yen	Number of bioplastic products shipped (Unit: Thousands of units) （actual result：2021/Mar. 24,318、2022/Mar.　58,426、2023/Mar. 132,611、2024/Mar. 157,070）【Target】 (Figures in parentheses indicate the rate of increase in the number of units shipped over the previous quarter) 2025/Mar. 172,777 (10.00%) 2026/Mar. 191,782 (11.00%) 2027/Mar. 214,796 (12.00%) 2028/Mar. 242,720 (13.00%) 2029/Mar. 276,701 (14.00%) 2030/Mar. 318,206 (15.00%)	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
SOGO ENERGY inc.	Energy	The Chugoku Bank, Ltd	June, 2024	10 years	Rating & Investment Information, Inc. ※	0.1	billion yen	Installation rate of gasoline metering machines with vapor recovery system 【Target】 2025/May　31.47% 2026/May　36.04% 2027/May　40.61% 2028/May　45.18% 2029/May　49.74% 2030/May　54.31% 2031/May　58.88% 2032/May　63.45% 2033/May　68.02% 2034/May　72.59%	The system is designed to apply a pre-determined reduction in interest rates when the SPTs are achieved.	Submit documents showing the status of achievement of the SPTs as of the judgment reference date in the prescribed form once a year until the fulfillment of the obligations is completed.
Takaryo corporation	Others (including service industry)	The 77 Bank, Ltd.	June, 2024	-	77 Research and Consulting Co.,Ltd.	-	-	Increase the amount of solar panel waste received to 239 tons in 2028/Nov.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Tokai House (東海ハウス)	Manufacturing	The Hyakujushi Bank, Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Overtime hours worked per employee (hours) 【Target】 FY2024 10.00 FY2025 9.00 FY2026 8.00 FY2027 7.00	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Tokyo Century Corporation	Finance (including REITs)	THE AICHI BANK, LTD.	June, 2024	5 years	Rating & Investment Information, Inc.	1	billion yen	Ratio of electric vehicles (EV, FCEV, PHEV, HV)	Financial and structural characteristics change according to the achievement of SPTs.	Tokyo Century will report on the following items only to the lender of the loan (or only to the lender through the agent in the case of syndicated loans) for the reporting period preceding the fiscal year in which the reporting date falls. 1 Actual values of KPIs for the reporting period 2 Status of achievement of SPTs for the period covered by the reporting 3 Information on the issuer's most recent sustainability strategy as it relates to the KPIs and SPTs 4 If SPTs have not been achieved and donations have been made, the recipients of the donations, the amount of the donations, and the timing of the donations
Uni-Kenzai Group (ユニ建材グループ)	Others (including service industry)	North Pacific Bank,Ltd.	June, 2024	-	Hokkaido Kyoso Partners	-	-	Reduce CO₂ emissions (Scope1・2) to ▲18.9％ of FY2022 level by FY2030. （actual result：FY2022 3,426.182 t-CO₂、FY2023 3,411.656 t-CO₂) 【Target】 FY2024　3319.541　(2.7％) FY2025　3227.427　(5.4％) FY2026　3135.312　(8.1％) FY2027　3043.197　(10.8％) FY2028　2951.082　(13.5％) FY2029　2858.968　(16.2％) FY2030　2766.853　(18.9％)	If the achievement of the SPT is confirmed, the interest rate will be reduced at an annual rate per annum against the initial interest rate from interest payments falling on or after the determination date until the repayment date or the next determination date.	Annual reporting on the achievement of the SPT will be conducted and the lender will be notified in writing.
Yoshii Mokuzai (吉井木材工業)	Wholesale and retail trade	Daishi Hokuetsu Bank, Ltd	June, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.05	billion yen	Cumulative number of detached houses delivered that meet ZEH standards 【Target】 2025/Mar. 1 2026/Mar. 3 2027/Mar. 4 2028/Mar. 6 2029/Mar. 7 2030/Mar. 9 2031/Mar. 10 2032/Mar. 12 2033/Mar. 13	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Japan Mica Industrial Co., LTD.	Manufacturing	The Gunma Bank,Ltd.	June, 2024	ー	Rating & Investment Information, Inc.※	ー	ー	Maintain 100% of annual paid leave utilization rate from the fiscal year ending May 31, 2025 onward.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Kikuju (社会福祉法人喜久寿)	Others (including service industry)	The Ehime Bank, Ltd.	June, 2024	7 years	Himegin Information Center（ひめぎん情報センター）	0.1	billion yen	SPT①：CO₂ emissions per total building floor area: reduction of 4.2% or more per year SPT②：Annual paid leave utilization rate for all employees: 75.0% by FY2026	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	The company will report to Ehime Bank on the status of SPTs achievement once a year over the term of the loan, and will also disclose this information to the public.
KI-STAR REAL ESTATE CO.,LTD	Real estate and construction	Syndication method (Arranger:The Ashikaga Bank, Ltd.）The Ashikaga Bank, Ltd.、other 16 banks	June, 2024	-	Rating & Investment Information, Inc.	20.4	billion yen	SPT①:Reduce GHG emissions (Scope 1 + Scope 2) intensity of buildings sold by 33.6% in FY2030 compared to FY2022. SPT②:Reduce GHG emissions (Scope 3 (Category 11)) intensity of buildings sold by 29.6% in FY2030 compared to FY2022.	Either a donation to a qualified donor if one of the SPTs is not achieved, or a reduction in the loan rate if both are achieved, is selected at the time of the loan agreement.	Report annually to lenders on the status of achievement of SPTs and post on KI-STAR REAL ESTATE's website.
IGUCHI ISSEI CO. LTD.	Manufacturing	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Increase the ratio of female managers to at least 70% by the fiscal year ending March 31, 2026, and maintain at least 70% thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Nakamichi Leasing co.,Ltd.	Finance (including REITs)	Syndication method (Arranger:THE HOKKAIDO BANK,LTD.）The Hokuriku Bank, Ltd.・The 77 Bank, Ltd.・The Bank of Yokohama,Ltd.・The Hiroshima Bank, Ltd. ・The Higashi-Nippon Bank, Limited	June, 2024	5 years and 3 months	Rating & Investment Information, Inc.	2.5	billion yen	Achieve the target of 40 companies in FY2024 and an increase of 10 companies from the next fiscal year to FY2030 by the previous year's target in terms of the number of companies that have signed up for Fuyo's Zero Carbon City Support Program.	Preferential applicable interest rates based on the achievement of SPTs. Variations in interest rates will be designed to decrease if SPTs are achieved or increase if SPTs are not achieved.	KPI performance figures for each fiscal year are disclosed annually on the website or in a integrated report.
Kasumigaseki Capital Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Rating & Investment Information, Inc.	0.18	billion yen	Obtain an environmental certification rank of A or 4 stars or higher for all logistics facilities completed in each fiscal year.	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	KPI results and other items will be published on its website for the period of the fiscal year preceding the fiscal year to which the reporting date belongs.
Iwai Construction Co. (岩井建設)	Real estate and construction	The Bank of Iwate, Ltd	June, 2024	-	Rating & Investment Information, Inc. ※	0.1	billion yen	Percentage of paid leave taken compared to base year (January 2023 to December 2023) 【Target】 2024/12 +5% 2025/12 +10% 2026/12 +15% 2027/12 +20% 2028/12 +25%	The incentive design is designed to reduce the interest rate based on the contract when SPTs are achieved. The reduced interest rate upon achievement is not cumulative and reverts to the original rate if the SPTs are not reached.	Once a year over the term of the loan, the borrower submits to the sales office the actual results of KPIs that show the status of achievement of SPTs and prima facie evidence and data necessary for the verification work. The reports are also shared with the Business Strategy Department (in charge of ESG) and Iwagin Research & Consulting, which is in charge of the verification process. In principle, the contents of the reports will not be disclosed on the borrower's website.
TOHO INDUSTRIAL Co.,Ltd.	Manufacturing	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Increase the ratio of next-generation vehicles in the fleet to 766% or more by 2034/Mar. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
AKROS-CITY INC.	Real estate and construction	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Achieve an annual paid leave utilization rate of at least 70% by 2027/Apr., and maintain this rate at 70% or higher thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
SANWA Corrugated Cardboard Corporation	Manufacturing	THE TOTTORI BANK, LTD	June, 2024	-	Rating & Investment Information, Inc.※	-	-	Percentage of employees taking paid leave 【Target】 FY2024　70% FY2025　71% FY2026　72% FY2027　73% FY2028　74% FY2029　75%	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
Aiwa Construction Co. (愛知建設)	Real estate and construction	THE SHONAI BANK, LTD.	June, 2024	-	Rating & Investment Information, Inc.※	0.2	billion yen	Inprovement of "Percentage of employees taking paid leave" and "Percentage of male employees taking childcare leave"	The incentive design is such that when SPTs are achieved, the interest rate is reduced based on the terms of the contract. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	In principle, the borrower shall report the status of achievement of the SPTs to the Branch once a year. The report should also include prima facie evidence and data necessary for verification. In principle, the contents of the reports are not disclosed to the public.
HIKARI HOLDINGS	Others (including service industry)	The Hiroshima Bank, Ltd.	June, 2024	7 years	HIROGIN area design Co. Ltd.	0.1	billion yen	SPT①　Percentage of employees taking paid leave (group-wide) （actual result：2023/3　 56.1%, 2024/3　51.5%）【Target】 2025/3　60.00% 2026/3　62.00% 2027/3　64.00% 2028/3　66.00% 2029/3　68.00% 2030/3　70.00% 2031/3　70.00% SPT②　Increase in the number of environmentally friendly vehicles （actual result：2022/3　6 cars、2023/3　5 cars、2024/3　9 cars）【Target】 2025/3　7 cars 2026/3　7 cars 2027/3　7 cars 2028/3　7 cars 2029/3　7 cars 2030/3　7 cars 2031/3　7 cars	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
ORIX JREIT Inc.	Finance (including REITs)	Sumitomo Mitsui Banking Corporation	June, 2024	5 years	Japan Credit Rating Agency, Ltd.	3	billion yen	Reduce CO₂ emissions for the year ending March 31, 2026 by at least 18.7% of the CO₂ emissions for the year ending March 31, 2022	If the SPT is achieved, a reduced interest rate of 0.01% per year will apply from the time of confirmation of the level of achievement until the repayment date.	Disclose the performance of selected KPIs at least once a year on its website, etc.
ORIX JREIT Inc.	Finance (including REITs)	MUFG Bank, Ltd.	June, 2024	6 years	Japan Credit Rating Agency, Ltd.	2.63	billion yen	Reduce CO₂ emissions for the year ending March 31, 2026 by at least 18.7% of the CO₂ emissions for the year ending March 31, 2022	If the SPT is achieved, a reduced interest rate of 0.01% per year will apply from the time of confirmation of the level of achievement until the repayment date.	Disclose the performance of selected KPIs at least once a year on its website, etc.
ORIX JREIT Inc.	Finance (including REITs)	SBI Shinsei Bank, Limited	June, 2024	7 years	Japan Credit Rating Agency, Ltd.	1	billion yen	SPT①：Reduce CO₂ emissions for the year ending March 31, 2025 by at least 14.0% of the base year (2021) CO₂ emissions SPT②：Reduce CO₂ emissions for the year ending March 31, 2027 by at least 23.3% of the base year (2021) CO₂ emissions	If the SPT is achieved, a reduced interest rate of 0.01% per year will apply from the time of confirmation of the level of achievement until the repayment date.	Disclose the performance of selected KPIs at least once a year on its website, etc.
Tano Kogyo (太野興業)	Real estate and construction	The Bank of Kyoto, Ltd.	June, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：1.6 t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　0.2t　(-87.5%) FY2025　0.2t　(-87.5%) FY2026　0.2t　(-87.5%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
YUMOTO (湯本内装)	Others (including service industry)	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Increase the ratio of next-generation vehicles in the fleet to 75% or more by 2028/Apr. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
NIPPON THOMPSON CO.,LTD.	Manufacturing	SUMITOMO LIFE INSURANCE COMPANY	June, 2024	5 years	Japan Credit Rating Agency, Ltd.※	0.8	billion yen	SPT①:Reduce the Group's GHG emissions (Scope 1+2) by 42% or more compared to the FY2022 level by FY2030. SPT②:Reduce the Group's GHG emissions (Scope 3 [Category 1: purchased products and services]) by 25% or more compared to FY2022 levels by FY2030.	A mechanism has been created to change lending conditions, etc. when pre-determined SPTs are achieved.	SUMITOMO LIFE INSURANCE COMPANY will require the borrower to report at least once a year on the performance of the KPIs it has established for the period up to repayment. In addition, SUMITOMO LIFE INSURANCE COMPANY will require the borrower to disclose the performance of the established KPIs on its website or in other disclosure materials to the extent possible.
KITAKAMI SANGYO	Manufacturing	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Increase the ratio of next-generation vehicles in the fleet to 100% by the fiscal year ending March 2029. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
maika	Real estate and construction	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 3.7% per year as a percentage of sales based on FY2023/11	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Joetsu Starch Co.,Ltd.	Food, Beverages, Tobacco, etc.	Daishi Hokuetsu Bank, Ltd	June, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Sales volume of "JS Mix PC" (a 100% plant-derived product based on starch and processed starch, a mix for plant cheese that contains no allergenic ingredients of 28 items)	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
YAMATO JYUKEN, INC	Real estate and construction	THE SHIGA BANK，LTD．	June, 2024	-	Shigagin Keizai Bunka Center CO.,LTD.	0.1	billion yen	ZEH commissioning rate: Achieve 90% annually from FY2024 to FY2026 （actual：FY2022　88%、FY2023 85%）	The interest rate applicable during the loan period will be determined by the lender's achievement of the following requirements (i) Public announcement or written report to the lender by the reporting deadline regarding the achievement of the SPT. (ii) Achieve the target figures of the SPT for each fiscal year after FY2023. If (1) is complied with and (2) is achieved, the lending spread will be reduced. If (1) is not complied with, the lending spread will be increased. In other cases, the lending spread will remain unchanged.	Lenders shall report once a year on the status of achievement of SPTs. From May 2025,YAMATO JYUKEN, INC will report the actual KPI results for the previous year on its website or in writing to the lender by the end of May each year, after having received verification by the Shigagin Keizai Bunka Center.
Souken (創賢)	Food, Beverages, Tobacco, etc.	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on 2023/9.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
LA PRODUCE co.,LTD.	Real estate and construction	The Gunma Bank,Ltd.	June, 2024	-	Rating & Investment Information, Inc. ※	-	-	Achieve an annual paid leave utilization rate of at least 70% by 2027/Nov., and maintain this rate at 70% or higher thereafter.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
NIKKI CONSTRUCTION CO.,LTD.	Real estate and construction	Daishi Hokuetsu Bank, Ltd	June, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	CO₂ emissions（Scope1・2）（actual：2022/10 13,780.0 t-CO₂）【Target】 (t-CO₂、figures in parentheses indicate reduction rate compared to 2022/10） 2024/10　 12,493.9 (9.3%) 2025/10　 11,850.8 (14.0%) 2026/10　 11,207.7 (18.7%) 2027/10　 10,564.7 (23.3%) 2028/10　 &&9,921.6 (28.0%)	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Nishimaki Sangyo (有限会社ニシマキ産業)	Others (including service industry)	The Ehime Bank, Ltd.	June, 2024	10 years	Himegin Information Center（ひめぎん情報センター）	0.08	billion yen	Total CO₂ emissions: 4.2% or more reduction per year	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	The company will report to Ehime Bank on the status of SPTs achievement once a year over the term of the loan, and will also disclose this information to the public.
Sunny Ocean Japan Co.,ltd	Wholesale and retail trade	The Hiroshima Bank, Ltd.	June, 2024	5 years	HIROGIN area design Co. Ltd.	0.1	billion yen	SPT① Percentage of employees taking paid leave （actual 2023/8 72.1%、actual estimated 2024/8 72%) 【Target】 2025/8 78.0% 2026/8 81.0% 2027/8 83.0% 2028/8 85.0% SPT② Percentage of male employees taking childcare leave （actual 2023/8　100.0%、actual estimated 2024/8 100.0%) 【Target】 2025/8 100.0% 2026/8 100.0% 2027/8 100.0% 2028/8 100.0%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
pmitech	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 10.9827　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　10.6861　(▲2.7％) FY2025　10.3896　(▲5.4％) FY2026　10.0931　(▲8.1％) FY2027　9.7965　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SENKO (センコー物流倉庫)	Transportation	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.11	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -24.3% of the FY2023 level by FY2032. （actual result：FY2023 219.5812 t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Arsaga Partners, Inc.	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 1000㎡ of total floor area（t-CO₂/1000㎡）（actual result：FY2022 35.2226 t-CO₂/1000㎡）【Target】 (t-CO₂/1000㎡、figures in parentheses indicate reduction rate compared to FY2022） FY2023　34.2716 （▲2.7％） FY2024　33.3205 （▲5.4％） FY2025　32.3695 （▲8.1％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Camel Golf Resort (キャメルゴルフリゾート)	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 116.2843　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　113.1446 （▲2.7％） FY2024　110.0049 （▲5.4％） FY2025　106.8652 （▲8.1％） FY2026　103.7256 （▲10.8％） FY2027　100.5859 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Cube Renovation (ＣＵＢＥリノベーション)	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.12	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032. （actual result：FY2022 13.8866 t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7％ FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Food Shokubo Co.,Ltd.	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 23.9690　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　23.3218 （▲2.7％） FY2024　22.6747 （▲5.4％） FY2025　22.0275 （▲8.1％） FY2026　21.3803 （▲10.8％） FY2027　20.7332 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
FURUYA MILK PRODUCTS Co.,Ltd.	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduction rate of food waste (Intensity per unit of sales) (compared to FY 2019) (%) SPT 1 ▲40.9％ SPT 2 ▲41.6％ SPT 3 ▲42.4％ SPT 4 ▲43.1％ SPT 5 ▲43.8％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
GA technologies	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	3年	Chibagin Research Institute Corporation	0.4	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 0.3515　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　0.3420 （▲2.7％） FY2024　0.3325 （▲5.4％） FY2025　0.3230 （▲8.1％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Global Navigation (グローバルナビゲーション)	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.13	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032. （actual result：FY2022 11.4942 t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7％ FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Hayashi Shokai Co., Ltd. (林商会)	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 0.3332　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　0.3242 （▲2.7％） FY2024　0.3152 （▲5.4％） FY2025　0.3062 （▲8.1％） FY2026　0.2972 （▲10.8％） FY2027　0.2882 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Higashinihon Toshikaihatsu Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023 46.4673 t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
I REN Co.,LTD	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions reductions（t-CO₂）（actual result：FY2022 67.1574 t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2024　63.5309 （▲5.4％） FY2025　61.7177 （▲8.1％） FY2026　59.9044 （▲10.8％） FY2027　58.0912 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
INCREASE	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032. （actual result：FY2022 18.3920 t-CO₂/100 million yen）【Target for each fiscal year】 FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Interfarm Co., Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions reductions（t-CO₂）（actual result：FY2022 10.5069 t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2024　9.9395 （▲5.4％） FY2025　9.6558 （▲8.1％） FY2026　9.3721 （▲10.8％） FY2027　9.0885 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
IVS Television Co., Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	-	-	CO₂ emissions reductions（t-CO₂）（actual result：FY2022 101.3382 t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　98.6021 （▲2.7％） FY2024　95.8659 （▲5.4％） FY2025　93.1298 （▲8.1％） FY2026　90.3937 （▲10.8％） FY2027　87.6576 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
J-Connect	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.18	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 38.6809　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　37.6365　(▲2.7％) FY2025　36.5921　(▲5.4％) FY2026　35.5477　(▲8.1％) FY2027　34.5033　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Joint Service	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 5.8493　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　5.6914 （▲2.7％） FY2024　5.5335 （▲5.4％） FY2025　5.3755 （▲8.1％） FY2026　5.2176 （▲10.8％） FY2027　5.0597 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kaisei Co., Ltd .	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions reductions（t-CO₂）（actual result：FY2022 15.0346 t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　14.6286 （▲2.7％） FY2024　14.2227 （▲5.4％） FY2025　13.8168 （▲8.1％） FY2026　13.4108 （▲10.8％） FY2027　13.0049 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kimitsu-Jyutaku Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.198	billion yen	ZEH sales ratio: Increase to 100% by FY2030 and maintain 100% thereafter until FY2032 【Target for each fiscal year】 FY2024 　44.20% FY2025 　65.00% FY2026 　72.00% FY2027 　79.00% FY2028 　86.00% FY2029 　93.00% FY2030 　100.00% FY2031 　100.00% FY2032 　100.00%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kouyou (光陽)	Manufacturing	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -24.3% of the FY2023 level by FY2032. （actual result：FY2023 11.5138 t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kyobashi Art Residence	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions reductions（t-CO₂）（actual result：FY2022 24.9583 t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　24.2844 （▲2.7％） FY2024　23.6105 （▲5.4％） FY2025　22.9367 （▲8.1％） FY2026　22.2628 （▲10.8％） FY2027　21.5889 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Madep Co.,Ltd.	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -24.3% of the FY2023 level by FY2032. （actual result：FY2023 2.0806 t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
MATSUMOTO (マツモト)	Wholesale and retail trade	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 11.3941　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　11.0864 （▲2.7％） FY2024　10.7788 （▲5.4％） FY2025　10.4711 （▲8.1％） FY2026　10.1635 （▲10.8％） FY2027　 9.8559 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Medical corporation Seiwakai (医療法人社団聖和会)	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲27.0％ of FY2022 level by FY2032. （actual result：FY2022 244.8509 t-CO₂）【Target for each fiscal year】 FY2023 ▲2.7％ FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Minami Construction Co., Ltd. (南建設)	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions reductions（t-CO₂）（actual result：FY2022 149.2594　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　145.2294 （▲2.7％） FY2024　141.1993 （▲5.4％） FY2025　137.1693 （▲8.1％） FY2026　133.1393 （▲10.8％） FY2027　129.1093 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Novarese (ノバレーゼ)	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.3	billion yen	SPT① Obtain certification as an excellent health management corporation (large company category) during the loan period SPT② Obtain certification as an excellent health management corporation (White 500) during the loan period	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Osumi Kogyo (大隅工業)	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	-	-	CO₂ emissions reduction in its business activities	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
PROST	Wholesale and retail trade	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.12	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 3.7287　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　3.6281 （▲2.7％） FY2024　3.5274 （▲5.4％） FY2025　3.4267 （▲8.1％） FY2026　3.3260 （▲10.8％） FY2027　3.2254 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
RIKISAN TSUSHO CO.,LTD.	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 　10.5290　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　10.2447 （▲2.7％） FY2024　9.9605 （▲5.4％） FY2025　9.6762 （▲8.1％） FY2026　9.3919 （▲10.8％） FY2027　9.1076 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
RK shoukai (アールケイ商会)	Transportation	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -24.3% of the FY2023 level by FY2032. （actual result：FY2023 293.6894 t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Sanei Kougyou (三栄工業)	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.13	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032. （actual result：FY2022 11.4942 t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7％ FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SHIZEN ENERGY Inc.	Energy	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.3	billion yen	Target for increase in cumulative capacity of solar power generation facilities installed by the company	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Soki Holdings (創喜ホールディングス)	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.132	billion yen	Reduce CO₂ emissions per 100 million yen of sales in Agatsuma Corporation's business activities to 27.0% of the FY2022 level by FY2032. （actual result of Agatsuma Corporation :FY2022 33.9316 t-CO₂/100 million yen）【Target for each fiscal year】 FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
takenouchi-kometen ltd.	Wholesale and retail trade	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.15	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032. （actual result：FY2022 29.2272 t-CO₂/100 million yen）【Target for each fiscal year】 FY2024 ▲5.4％ FY2025 ▲8.1％ FY2026 ▲10.8％ FY2027 ▲13.5％ FY2028 ▲16.2％ FY2029 ▲18.9％ FY2030 ▲21.6％ FY2031 ▲24.3％ FY2032 ▲27.0％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
TCP co.,ltd	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -24.3% of the FY2023 level by FY2032. （actual result：FY2023 21.4929 t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
TMT	Wholesale and retail trade	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 3.3148　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　3.2253　(▲2.7％) FY2025　3.1358　(▲5.4％) FY2026　3.0463　(▲8.1％) FY2027　2.9568　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Tohaku Distribution Service Co.,Ltd.	Transportation	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2022 995.610 t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Tokyo Best Plan & Co.,Ltd	Wholesale and retail trade	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 22.4744　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　21.8676 （▲2.7％） FY2024　21.2608 （▲5.4％） FY2025　20.654 （▲8.1％） FY2026　20.0472 （▲10.8％） FY2027　19.4404 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
UMESATO TRANSPORT SERVICE COMPANY	Transportation	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2023 115.369　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　112.254　(▲2.7％) FY2025　109.139　(▲5.4％) FY2026　106.024　(▲8.1％) FY2027　102.910　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
VISIO	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -24.3% of the FY2023 level by FY2032. （actual result：FY2023 0.3208 t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yabuta Construction Co., Ltd. (有限会社藪田工務店)	Real estate and construction	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 　5.7070　t-CO₂/100 million yen）【Target】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　5.5529 （▲2.7％） FY2024　5.3988 （▲5.4％） FY2025　5.2447 （▲8.1％） FY2026　5.0906 （▲10.8％） FY2027　4.9365 （▲13.5％）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yunipen (ユニペン)	Others (including service industry)	The Chiba Bank, Ltd.	June, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Maintain certification as a Bright 500 Health Management Organization	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Aikeikai (医療法人愛恵会)	Others (including service industry)	The Gunma Bank,Ltd.	May, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year based on 2024/Aug.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Braing CO.,LTD.	Others (including service industry)	The Gunma Bank,Ltd.	May, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on FY2024/2	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
JOETSU HOLDINGS CORPORATION	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	May, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Total number of complaints and nonconformities for　Joetsu Bronz1 Corporation （実績：2020/12 202、2021/12 204、2022/12 260、2023/12 205）【Target】(figures in parentheses indicate reduction rate compared to the last year） 2024/12 201(1.95%) 2025/12 197(1.99%) 2026/12 193(2.037%) 2027/12 189(2.03%) 2028/12 185(2.12%) 2029/12 181(2.16%)	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
MetalColor	Others (including service industry)	The Bank of Kyoto, Ltd.	May, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：3,229.2 t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　3,074.2 t　(-4.8%) FY2025　3,058.0 t　(-5.3%) FY2026　3,041.4 t　(-5.8%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
NISSHO SURVEYING DESIGN CO.,LTD	Others (including service industry)	The Ashikaga Bank, Ltd.	May, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Acquisition of Kurumin certification	A mechanism has been set up to change the interest rate if a pre-set SPT is achieved.	The Ashikaga Bank plans to review SPT performance for each borrower at least once a year from loan origination to full repayment. With respect to reporting, Ashikaga Bank intends to encourage borrowers to disclose SPT performance on the borrower's website or other disclosure materials.
Ryuken-Kogyo Co.,ltd.	Real estate and construction	The Gunma Bank,Ltd.	May, 2024	-	Rating & Investment Information, Inc. ※	-	-	At least one next-generation vehicle* will be introduced each fiscal year, and increase the percentage of next-generation vehicles in the fleet to at least 70% by 2028/9. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
TAKANO CHIKKO CO., LTD	Manufacturing	The Bank of Kyoto, Ltd.	May, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：71.3t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　68.3t　(-4.2%) FY2025　68.2t　(-4.3%) FY2026　68.1t　(-4.5%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
YAMATO JYUKEN, INC	Real estate and construction	THE SAN-IN GODO BANK,LTD．	May, 2024	-	Rating & Investment Information, Inc.※	0.3	billion yen	ZEH commissioned rate FY2024　90％ FY2025　90％ FY2026　90％ FY2027　90％	A mechanism has been set up to reduce interest rates based on the achievement of SPTs.	Once a year, YAMATO JYUKEN, INC will report to THE SAN-IN GODO BANK on the status of achievement of SPTs.
l-housing	Real estate and construction	Kyoto Chuo Shinkin Bank	May, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year(FY2021~2023):43.4 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　40.8t (-6.0％) FY2025　40.8t (-6.0％) FY2026　40.8t (-6.0％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Ogihara (オギハラ工業)	Manufacturing	Daishi Hokuetsu Bank, Ltd	May, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	CO₂ emissions per net sales (Scope 1 & 2)（Unit：ｔ－CO₂）（actual result：2020/Dec. 0.403、2021/Dec. 0.354、2022/Dec. 0.294、2023/Dec. 0.299）【Target】 2024/Dec. 0.295　(26.80%) 2025/Dec. 0.291　(27.80%) 2026/Dec. 0.287　(28.80%) 2027/Dec. 0.283　(29.80%) 2028/Dec. 0.279　(30.80%) 2029/Dec. 0.275　(31.80%)	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Attic (アティク)	Energy	The Gunma Bank,Ltd.	May, 2024	-	Rating & Investment Information, Inc. ※	-	-	Increase the Attic Group's owned renewable energy generation capacity by 0.69 MW in each fiscal year compared to the previous year.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Hamano Unsou (有限会社浜野運送)	Transportation	Kyoto Chuo Shinkin Bank	May, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year(FY2023): 1,760.4 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　1,720.8t (-2.2％) FY2025　1,720.8t (-2.2％) FY2026　1,720.8t (-2.2％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Takaryo corporation	Others (including service industry)	THE TOHO BANK, LTD.	May, 2024	-	TOHO AREA RESEARCH INSTITUTE	-	-	Increase the volume of used small electronic devices, etc. received from municipalities based on the Small Home Appliance Recycling Law to at least 255 tons by FY2028.	The company is required to report in writing to The Toho Bank by the reporting deadline on its progress in achieving the SPTs, and if it is confirmed that it has achieved the target figures, the interest rate applicable to the loan period will be reduced.	The company shall report to The Toho Bank once a year in writing that confirms the status of achievement of the SPTs. Upon verification by the Toho Area Research Institute, the company shall submit to The Toho Bank, in writing, documents that can confirm the status of achievement of the SPTs.
sanin-sekiyu co.ltd	Energy	The Chugoku Bank, Ltd	May, 2024	5 years	Rating & Investment Information, Inc. ※	0.1	billion yen	Percentage of gasoline metering machines with vapor recovery systems installed 【Target for each fiscal year】 FY2024 10% FY2025 20% FY2026 30% FY2027 40% FY2028 50%	The system is designed to apply a pre-determined reduction in interest rates when the SPTs are achieved.	Submit documents showing the status of achievement of the SPTs as of the judgment reference date in the prescribed form once a year until the fulfillment of the obligations is completed.
Ogura Kozai (有限会社小倉鋼材)	Manufacturing	The Gunma Bank,Ltd.	May, 2024	-	Rating & Investment Information, Inc. ※	-	-	Maintain 100% of male employees taking childcare leave from the fiscal year ending March 31, 2025 onward.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Tokusho Kougyo (有限会社トクショウ工業)	Real estate and construction	Kyoto Chuo Shinkin Bank	May, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year(FY2023): 17.3 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　16.6t (-4.0％) FY2025　16.6t (-4.0％) FY2026　16.6t (-4.0％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
ADNURSE (アドナース)	Others (including service industry)	Kyoto Chuo Shinkin Bank	May, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year(FY2023): 28.4 t）【Target】 (Figures in parentheses indicate reduction rate) FY2024　26.5t (-6.7％) FY2025　26.5t (-6.7％) FY2026　26.5t (-6.7％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
JTB	Others (including service industry)	MUFG Bank, Ltd.	May, 2024	3 years	Japan Credit Rating Agency, Ltd.	8	billion yen	① Wage difference between men and women (62.0% in FY2024, 64.0% in FY2025, 66.0% in FY2026) ② Male childcare leave utilization rate (100% in FY2024, 100% in FY2025, 100% in FY2026) ③ Engagement index “I have hope for the future of the company” (65.0% in FY2024, 67.0% in FY2025, 70.0% in FY2026)	The arrangement is for the financial characteristics to vary depending on the achievement of the SPT. The variation is in the form of a change in the interest rate.	For the three items defined as KPIs, the results of the previous accounting period will be published on JTB's website on an annual basis until the final judgment date arrives.
MIYAKI ELECTRIC MFG.CO.,LTD.	Manufacturing	The Bank of Kyoto, Ltd.	May, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：231.2 t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　222.0t　(-4.0%) FY2025　221.8t　(-4.1%) FY2026　221.6t　(-4.2%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
INFINI (アンフィニ)	Others (including service industry)	The Bank of Kyoto, Ltd.	May, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：12.8t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　12.0t　(-6.3%) FY2025　11.9t　(-7.0%) FY2026　11.8t　(-7.8%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
NAGUMO (南雲製作所)	Others (including service industry)	The Gunma Bank,Ltd.	May, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on FY2023/11	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Sano City Medical Association (一般社団法人佐野市医師会)	Others (including service industry)	The Gunma Bank,Ltd.	May, 2024	-	Rating & Investment Information, Inc. ※	-	-	Maintain 100% of male employees taking childcare leave from the fiscal year ending March 31, 2025 onward.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
HIKARI (医療法人社団ひかり)	Others (including service industry)	The Gunma Bank,Ltd.	May, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on FY11/2024.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Hirayama Toso Kogyo (平山塗装工業)	Others (including service industry)	The Bank of Kyoto, Ltd.	May, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：32.2 t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　30.9t　(-4.0%) FY2025　30.8t　(-4.3%) FY2026　30.7t　(-4.7%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
TANABU GROUP (田名部ホールディングス)	Real estate and construction	Daishi Hokuetsu Bank, Ltd	May, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.8	billion yen	Number of managed solar and wind power plants	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Keiwa kogyo Co,.Ltd.	Others (including service industry)	The 77 Bank, Ltd.	May, 2024	-	77 Research and Consulting Co.,Ltd.	0.5	billion yen	Reduce CO₂ emissions (Scope 1 + Scope 2) per 100 tons of industrial waste delivered by at least 3% annually, based on FY2021/3, and reduce by approximately 45% by FY2030/3 compared to FY2021/3.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
303BOOKS Inc.	Others (including service industry)	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.11	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　6.6640　t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Amenity Joy House (アメニティジョイハウス)	Real estate and construction	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales in business activities：Reduction rate compared to FY2022 （actual result：CO₂ emissions per 100 million yen of sales in　FY2022 0.82899　t-CO₂/100 million yen）【Target】 FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
ANZAI TATEMONO (安西建物)	Real estate and construction	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2022　15.9664　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　15.5353　(▲2.7％) FY2024　15.1042　(▲5.4％) FY2025　14.6731　(▲8.1％) FY2026　14.2420　(▲10.8％) FY2027　13.8109　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
apple Inc.	Others (including service industry)	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen in sales（t-CO₂/100 million yen）（actual result：FY2022 49.8254　t-CO₂/100 million yen）【Target】 FY2023　48.4801　(▲2.7％) FY2024　47.1348　(▲5.4％) FY2025　45.7895　(▲8.1％) FY2026　44.4442　(▲10.8％) FY2027　43.099　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
ＡＳＴ	Wholesale and retail trade	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲27.0％ of FY2022 level by FY2032. （actual result：FY2022　31.9937　t-CO₂）【Target for each fiscal year】 FY2023　▲2.7％ FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％ FY2030　▲21.6％ FY2031　▲24.3％ FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Carefactory (有限会社ケアファクトリー)	Others (including service industry)	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.12	billion yen	Reduce CO₂ emissions to ▲27.0％ of FY2022 level by FY2032. （actual result：FY2022　91.343　t-CO₂）【Target for each fiscal year】 FY2023　▲2.7％ FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％ FY2030　▲21.6％ FY2031　▲24.3％ FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Global Stage CO., LTD.	Others (including service industry)	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen in sales（t-CO₂/100 million yen）（actual result：FY2022 3.6914　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　3.5917　(▲2.7％) FY2024　3.4921　(▲5.4％) FY2025　3.3924　(▲8.1％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Hamasou Inc. (ハマソウ)	Real estate and construction	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　5.1928　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％ FY2030　▲21.6％ FY2031　▲24.3％ FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Hikari Jidosya (光自動車)	Others (including service industry)	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions in business activities：Reduction rate compared to FY2022 （actual result：CO₂ emissions in　FY2022 161.191　t-CO₂）【Target】 FY2023　▲2.7％ FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
HOME PLAZA ADOVANCE Co.Ltd.	Real estate and construction	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　36.7039　t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kashima Kouki (鹿島鋼機)	Real estate and construction	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲27.0％ of FY2022 level by FY2032. （actual result：FY2022　381.063　t-CO₂）【Target for each fiscal year】 FY2023　▲2.7％ FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％ FY2030　▲21.6％ FY2031　▲24.3％ FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
LINKS Build (リンクス・ビルド)	Real estate and construction	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　2.58515　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％ FY2030　▲21.6％ FY2031　▲24.3％ FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Miyamae Kensetsu (宮前建設)	Real estate and construction	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2022 43.981　t-CO₂）【Target】 (t-CO₂, figures in parentheses indicate increase rate from FY2022) FY2023　42.794　(▲2.7％) FY2024　41.606　(▲5.4％) FY2025　40.419　(▲8.1％) FY2026　39.231　(▲10.8％) FY2027　38.044　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
NK consulting Corporation.	Others (including service industry)	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen in sales（t-CO₂/100 million yen）（actual result：FY2022 1.0537　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　1.0253　(▲2.7％) FY2024　0.9968　(▲5.4％) FY2025　0.9684　(▲8.1％) FY2026　0.9399　(▲10.8％) FY2027　0.9115　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Sanwa Butsuryu System (サンワ物流システム)	Wholesale and retail trade	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲27.0％ of FY2022 level by FY2032. （actual result：FY2022　1.2143　t-CO₂）【Target for each fiscal year】 FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％ FY2030　▲21.6％ FY2031　▲24.3％ FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Sonicrun (ソニックラン)	Transportation	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　84.6314　t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Soramoexterior (ソラモエクステリア)	Real estate and construction	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲24.3％ of FY2023 level by FY2032. （actual result：FY2023　56.3442　t-CO₂）【Target for each fiscal year】 FY2024　▲2.7％ FY2025　▲5.4％ FY2026　▲8.1％ FY2027　▲10.8％ FY2028　▲13.5％ FY2029　▲16.2％ FY2030　▲18.9％ FY2031　▲21.6％ FY2032　▲24.3％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
ＳＳＪ	Others (including service industry)	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0％ of FY2022 level by FY2032. （actual result：FY2022　25.1474　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％ FY2028　▲16.2％ FY2029　▲18.9％ FY2030　▲21.6％ FY2031　▲24.3％ FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Tomoeyama Shoukai (有限会社巴山商会)	Others (including service industry)	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲35.1％ of FY2020 level by FY2033. （actual result：FY2020　266.289　t-CO₂）【Target for each fiscal year】 FY2024　▲15.0％ FY2025　▲17.2％ FY2026　▲19.5％ FY2027　▲21.7％ FY2028　▲23.9％ FY2029　▲26.2％ FY2030　▲28.4％ FY2031　▲30.6％ FY2032　▲32.9％ FY2033　▲35.1％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
TSUKACOM CO., LTD.	Manufacturing	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions（t-CO₂）（actual result：FY2023 19.344　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　18.821　(▲2.7％) FY2025　18.299　(▲5.4％) FY2026　17.777　(▲8.1％) FY2027　17.255　(▲10.8％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
WAKATSUKI Inc.	Others (including service industry)	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen in sales（t-CO₂/100 million yen）（actual result：FY2022 246.5284　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　233.2159　(▲5.4％) FY2025　226.5596　(▲8.1％) FY2026　219.9034　(▲10.8％) FY2027　213.2471　(▲13.5％)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Y CREST (ワイクレスト)	Real estate and construction	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	ZEH contract ratio: Increase the ZEH contract ratio to 100% by FY2030, and maintain it thereafter until FY2032. 【Target for each fiscal year】 FY2024 33% FY2025 50% FY2026 60% FY2027 70% FY2028 80% FY2029 90% FY2030 100% FY2031 100% FY2032 100%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yamada Koumusho (山田工務所)	Real estate and construction	The Chiba Bank, Ltd.	May, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions in business activities：Reduction rate compared to FY2022 （actual result：CO₂ emissions in FY2022 90.628　t-CO₂）【Target】 FY2023　▲2.7％ FY2024　▲5.4％ FY2025　▲8.1％ FY2026　▲10.8％ FY2027　▲13.5％	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
betchu-kagu (別注家具製作所)	Manufacturing	The Bank of Kyoto, Ltd.	April, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：78.1 t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　75.0t　(-4.0%) FY2025　74.9t　(-4.1%) FY2026　74.8t　(-4.2%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
DU CODA Co.,Ltd.	Real estate and construction	The Hiroshima Bank, Ltd.	April, 2024	5 years	HIROGIN area design Co. Ltd.	0.03	billion yen	Improvement of ZEH commissioning rate （Actual：2021/Oct. 8%、2022/Oct. 9%、2023/Oct. 50%）【Target】 2024/Oct. 60% 2025/Oct. 70% 2026/Oct. 70% 2027/Oct. 70% 2028/Oct. 70% 2029/Oct. 70%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
ISHIGAMI-FARM CO.,LTD.	Others (including service industry)	Tsukuba Bank, Ltd.	April, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduction of electricity consumption: 55.3% reduction in 2030 compared to 2023 (1,520,363 kwh reduction)	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
Nakano Kagaku (中野科学)	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	April, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	CO₂ emissions per sales（Scope1・2）（actual result：2022/Dec.　1.442 t-CO₂/million yen）【Target for each fiscal year】（t-CO₂/million yen、figures in parentheses indicate reduction rate compared to 2022/Dec.） 2023/Dec. 1.320（8.5%） 2024/Dec. 1.273（11.7%） 2025/Dec. 1.227（14.9%） 2026/Dec. 1.181（18.1%） 2027/Dec. 1.135（21.3%） 2028/Dec. 1.079（25.2%） 2029/Dec. 1.018（29.4%） 2030/Dec. 0.958（33.6%） 2031/Dec. 0.897（37.8%） 2032/Dec. 0.836（42.0%） 2033/Dec. 0.776（46.2%） 2034/Dec. 0.715（50.4%）	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Sunplaza (サンプラザ)	Wholesale and retail trade	The Hyakujushi Bank, Ltd.	April, 2024	-	Rating & Investment Information, Inc. ※	-	-	SPT① job turnover rate（regular employee/junior employee） 2025/Mar. 3.0% or less 2026/Mar. 3.0% or less 2027/Mar. 3.0% or less 2028/Mar. 3.0% or less SPT② Percentage of paid leave taken 2025/Mar. 70.0% or more 2026/Mar. 70.0% or more 2027/Mar. 70.0% or more 2028/Mar. 70.0% or more	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Teshigawara seibaku.	Food, Beverages, Tobacco, etc.	The Ashikaga Bank, Ltd.	April, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Obtaining certification as a corporation with excellent health management	A mechanism has been set up to change the interest rate if a pre-set SPT is achieved.	The Ashikaga Bank plans to review SPT performance for each borrower at least once a year from loan origination to full repayment. With respect to reporting, Ashikaga Bank intends to encourage borrowers to disclose SPT performance on the borrower's website or other disclosure materials.
Tokuda Industries Co.,Ltd	Manufacturing	THE GIFU SHINKIN BANK	April, 2024	5 years	Rating & Investment Information, Inc. ※	0.08	billion yen	Reduction rate of CO₂ emissions per unit of sales (intensity basis): Reduce CO₂ emissions by 10.0% in FY2028/5 compared to FY2023/5. 【Target for each fiscal year】 (Compared to 2023/5) 2025/5 ▲2.5% 2026/5 ▲5.0% 2027/5 ▲7.5% 2028/5 ▲10.0%	・The preferential interest rate is a prerequisite to motivate the reduction of CO₂ emissions. ・Since the preferential interest rate is applied from the beginning, the interest rate will not be additionally reduced when the SPT is achieved. ・If the SPT is not achieved in a single period, the company will be asked to prepare a business plan to achieve the target. ・If the SPT is not achieved for two consecutive terms, the interest rate will be raised by 0.1%. ・Thereafter, as long as the SPT remains unachieved, the loan interest rate will remain raised.	The Company shall report annually to The Gifu Shinkin Bank on the status of achievement of the SPT.
TOYOTA Press (豊田プレス工業)	Manufacturing	THE OKAZAKI SHINKIN BANK	April, 2024	-	Rating & Investment Information, Inc. ※	0.1	billion yen	-	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate will not be further reduced when the SPTs are achieved for two or more consecutive years, and the reduced rate will continue to apply. When the SPTs are not achieved, the interest rate will be returned to the initial level.	The borrower shall report the status of achievement of the SPTs to the business office of the Bank once a year in principle until the borrowing is fully repaid, in accordance with the terms and conditions of the MOU. The report shall also include prima facie evidence and data necessary for the verification work. The contents of the report and prima facie evidence will be shared with the Branch Support Department 2 and third-party organizations such as the borrower's tax advisor who conducts the verification work. The contents of the reporting shall not be disclosed.
Watahan & Co., Ltd.	Wholesale and retail trade	THE HACHIJUNI BANK,LTD.	April, 2024	-	Rating & Investment Information, Inc.	3	billion yen	Achieve a cumulative total floor area of at least 25,000m2 of non-housing wooden buildings handled by the Watahan Group in the fiscal year ending March 2034.	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
Yamatojuken	Real estate and construction	The Hyakujushi Bank, Ltd.	April, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage of ZEH commissioned FY2024　90% FY2025　90% FY2026　90% FY2027　90%	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Kikuchi Shubido (菊地秀美堂)	Others (including service industry)	The Bank of Kyoto, Ltd.	April, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：27.1t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　26.0t　(-4.1%) FY2025　25.9t　(-4.4%) FY2026　25.8t　(-4.8%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
KUOE GLOBAL	Manufacturing	The Bank of Kyoto, Ltd.	April, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：1.8 t）【Targets】 (Figures in parentheses indicate reduction rate) FY2024　1.7t　(-5.6%) FY2025　1.7t　(-5.6%) FY2026　1.7t　(-5.6%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
YOSHIDA (ヨシダ)	Wholesale and retail trade	The Gunma Bank,Ltd.	April, 2024	-	Rating & Investment Information, Inc. ※	-	-	At least one next-generation vehicle* will be introduced each fiscal year, and increase the percentage of next-generation vehicles in the fleet to at least 65% by 2033/5. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Asahi Security Services (朝日警備保障)	Others (including service industry)	The Ehime Bank, Ltd.	April, 2024	5 years	Himegin Information Center（ひめぎん情報センター）	0.05	billion yen	Increase the ratio of female managers to 30% by FY2030	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Asahi Security Services will report to Ehime Bank on the status of SPTs achievement once a year over the term of the loan, and will also disclose this information to the public.
Ager Home (アゲル)	Real estate and construction	The Joyo Bank, Ltd.	April, 2024	3 years	Japan Credit Rating Agency, Ltd.	0.2	billion yen	Obtaining certification as a corporation with excellent health management	Arrangements are in place to vary financial characteristics depending on the achievement of the SPT.	Reporting after the execution of this loan is properly planned and the results of the selection are posted on the website of the external organization operating the certification program.
HARADEN INDUSTRY CO.,LTD	Others (including service industry)	The Hiroshima Bank, Ltd.	April, 2024	10 years	HIROGIN area design Co. Ltd.	0.06	billion yen	SPT① Percentage of paid leave taken （Actual：2022/Aug. 13%、 2023/Aug.　15%）【Target】 2025/Aug. 40% 2026/Aug. 45% 2027/Aug. 50% 2028/Aug. 55% 2029/Aug. 60% 2030/Aug. 65% 2031/Aug. 70% 2032/Aug. 70% 2033/Aug. 70% 2034/Aug. 70% SPT② Percentage of male employees taking childcare leave （Actual：2022/Aug. 0%、 2023/Aug.　0%）【Target】 2025/Aug. ～ 2034/Aug. 100%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
Karan (合同会社華蘭)	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	April, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Percentage of all Group employees retiring for personal reasons	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
OZO kagakugiken CO.,LTD.	Manufacturing	The Bank of Kyoto, Ltd.	April, 2024	5 years	Japan Credit Rating Agency, Ltd.	0.1	billion yen	Certification of Excellent Health Management Corporation	The arrangement is to vary the financial characteristics depending on the achievement of the SPT.	Reporting after the execution of this loan is properly planned.
Hashimoto Real Estate Co.,Ltd.	Real estate and construction	THE SHIGA BANK，LTD．	April, 2024	-	Rating & Investment Information, Inc.	-	-	From the fiscal year ending December 31, 2024 to the fiscal year ending December 31, 2026, the percentage of houses that meet both the requirements for excellent long-term housing and ZEH will be 100% in each fiscal year.	The design is to determine the achievement of SPTs at the end of March each year after the end of each fiscal year, and if the SPTs are achieved, the interest rate will be reduced.	Hashimoto Real Estate Co., Ltd. will provide the lender with written confirmation of the achievement of SPTs once a year. The actual KPI results for each fiscal year will also be disclosed on the website.
Core Machinery, Inc.	Others (including service industry)	The Bank of Kyoto, Ltd.	April, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：160.0t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　153.6t　(-4.0%) FY2024　153.5t　(-4.1%) FY2025　153.4t　(-4.1%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Fujimaki power (藤巻発電)	Real estate and construction	The Gunma Bank,Ltd.	April, 2024	-	Rating & Investment Information, Inc. ※	-	-	Introduce at least two next-generation vehicles* at Fujimaki Construction each fiscal year. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Arai’s Forest Co.,Ltd.	Wholesale and retail trade	Kyoto Chuo Shinkin Bank	April, 2024	-	Japan Credit Rating Agency, Ltd.　※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 378.3 t）【Target】 (Figures in parentheses indicate reduction rate) FY2023　347.9t (-6.3％) FY2024　345.3t (‐7.0％) FY2025　344.0t (-7.4％)	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
kyoto takara seika co.,ltd.	Food, Beverages, Tobacco, etc.	The Bank of Kyoto, Ltd.	April, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：3.3t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　26.0t　(-4.1%) FY2024　25.9t　(-4.4%) FY2025　25.8t　(-4.8%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
TAMURA MANUFACTURE CO.,LTD.	Manufacturing	Kyoto Hokuto Shinkin Bank	April, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：145.6t）【Target】（(Figures in parentheses indicate reduction rate) FY2023　15.7t　(-89.2%) FY2024　15.5t　(-89.4%) FY2025　15.3t　(-89.5%)	Incentives such as preferential interest rates based on achievement of SPTs	CO₂ emission reduction plan and reduction report of the borrower will be published on the Kyoto Prefecture website once a year until the loan is repaid.
GIGA Planning	Real estate and construction	The Gunma Bank,Ltd.	April, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on the fiscal year ending March 31, 2024.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
DAISHIN CONSTRUCTION Co., ltd.	Real estate and construction	The 77 Bank, Ltd.	April, 2024	-	77 Research and Consulting Co.,Ltd.	0.25	billion yen	The number of houses with primary energy consumption grade 6 delivered will be at least 110 by 2037/Dec.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Ajinomoto Co., Inc.	Food, Beverages, Tobacco, etc.	The Dai-ichi Life Insurance Company, Limited	April, 2024	17 years	Rating & Investment Information, Inc.※	10	billion yen	SPT① Reduce Scope 1 and 2 (absolute emissions) by 50% by FY2030 (vs. FY2018) SPT② Reduce Scope 3 (emissions intensity) by 24% by FY2030 (vs. FY2018)	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
AKAUMI (あかうみ)	Transportation	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales in business activities （actual result：FY2022　213.212　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
AWAJYU (安房住宅)	Real estate and construction	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 9.4384　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　9.1836　(▲2.7%) FY2024　8.9287　(▲5.4%) FY2025　8.6739　(▲8.1%) FY2026　8.4191　(▲10.8%) FY2027　8.1642　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
BraveTechnology inc.	Others (including service industry)	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.11	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 6.1894t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　6.0223　(▲2.7%) FY2024　5.8552　(▲5.4%) FY2025　5.6881　(▲8.1%) FY2026　5.521　(▲10.8%) FY2027　5.3539　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Daitei Trading (大鼎貿易)	Others (including service industry)	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 1.2172　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　1.1843　(▲2.7%) FY2024　1.1515　(▲5.4%) FY2025　1.1186　(▲8.1%) FY2026　1.0857　(▲10.8%) FY2027　1.0529　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
ERECT STERN CO.,LTD.	Real estate and construction	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	-	-	CO₂ emissions (t-CO₂) （actual result：FY2022 223.31　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2024　211.25　(▲5.4%) FY2025　205.22　(▲8.1%) FY2026　199.19　(▲10.8%) FY2027　193.16　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
HAMADA (ハマダ)	Real estate and construction	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 135.7923　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　132.1259　(▲2.7%) FY2024　128.4595　(▲5.4%) FY2025　124.7931　(▲8.1%) FY2026　121.1267　(▲10.8%) FY2027　117.4603　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
KENSO (ケンソー)	Real estate and construction	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　194.055　t-CO₂）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kuga-technical (クガテクニカル興業)	Real estate and construction	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.28	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　21.677　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kyoshin Shoji Co. (共新商事)	Transportation	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　170.7703　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Marukin Co. (丸金)	Wholesale and retail trade	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 32.8177　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　31.9316　(▲2.7%) FY2024　31.0456　(▲5.4%) FY2025　30.1595　(▲8.1%) FY2026　29.2734　(▲10.8%) FY2027　28.3873　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Marushin Industry Co.,Ltd.	Wholesale and retail trade	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022 16.1033　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
NAGANO	Real estate and construction	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.15	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 16.0901　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　15.6557　(▲2.7%) FY2024　15.2213　(▲5.4%) FY2025　14.7868　(▲8.1%) FY2026　14.3524　(▲10.8%) FY2027　13.918　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SEIBU HOLDINGS INC.	Transportation	The Dai-ichi Life Insurance Company, Limited	April, 2024	5 years	Rating & Investment Information, Inc.※	2	billion yen	Achieve CDP Climate Change Score A or maintaining an A-	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
TOUKAI (東開物流)	Transportation	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales（t-CO₂/100 million yen）（actual result：FY2022 110.566　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　107.581　(▲2.7%) FY2024　104.595　(▲5.4%) FY2025　101.61　(▲8.1%) FY2026　98.625　(▲10.8%) FY2027　95.64　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Watanabe Giken Kogyo (渡辺技研工業)	Others (including service industry)	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2023 22.048　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2023） FY2024　21.453　(▲2.7%) FY2025　20.857　(▲5.4%) FY2026　20.262　(▲8.1%) FY2027　19.667　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yoshikawa Auto Industry (有限会社吉川自動車工業)	Others (including service industry)	The Chiba Bank, Ltd.	April, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022 15.5119　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
ADWG Group.	Real estate and construction	THE TOTTORI BANK, LTD	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduction of the Group's greenhouse gas emissions	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
AKAMATSU KASEIKOUGYOU Co.,Ltd.	Manufacturing	The Shikoku Bank, Ltd.	March, 2024	-	Rating & Investment Information, Inc.	-	-	Increase the volume of biomass plastic handled by at least 2.8 times that of FY2022 (ending May 2023) by FY2028 (ending May 2029)	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
AKIBA Holdings Co., Ltd.	Others (including service industry)	THE TOTTORI BANK, LTD	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage of female managers in management positions throughout the Group	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
Akie.	Manufacturing	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：44.5t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　　44.2t　(-0.7%) FY2024　　42.7t　(-4.0%) FY2025　　42.5t　(-4.5%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Altenergy Power (オルテナジーパワー)	Energy	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year from the fiscal year ending September 30, 2023 on a combined basis of the Company and ORTENERGY	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
ASAHI PLATING Co., Ltd.	Manufacturing	THE HYAKUGO BANK,LTD.	March, 2024	-	Rating & Investment Information, Inc.※	-	-	Reduction rate of greenhouse gas emissions (compared to FY2021) 【Target】 FY2023　7.78% FY2024　11.67% FY2025　15.56% FY2026　19.45% FY2027　23.34% FY2028　27.23% FY2029　31.12% FY2030　35.01%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
ATC COMPANY (エィティシー)	Others (including service industry)	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions at Cation plant* by 2.7% per year as a percentage of production output in the fiscal year ending August 31, 2023. *Cation plant refers to our plant dedicated to cationic electrodeposition coating.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
AYALA Industrial Co., ltd.	Manufacturing	THE TOCHIGI BANK, LTD.	March, 2024	-	Tochigin Capital & Consulting (とちぎんキャピタル＆コンサルティング)	-	-	Increase in the ratio of employment of elderly (65 years and older)	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
CIRCLE TWO FOODS CO.,LTD.	Food, Beverages, Tobacco, etc.	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year based on the fiscal year ending May 31, 2023.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Daiwa House REIT Investment Corporation	Finance (including REITs)	Syndication method MUFG Bank, Ltd.、Sumitomo Mitsui Trust Bank, Limited、Sumitomo Mitsui Banking Corporation、Mizuho Bank, Ltd.、Aozora Bank, Ltd.、Resona Bank,Ltd.、SBI Shinsei Bank, Limited	March, 2024	８ years	Japan Credit Rating Agency, Ltd.	11	billion yen	To be certified as an A-list company, the highest rating in the CDP Climate Change Program	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
fiveislands (五島電気建設)	Others (including service industry)	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：7.1t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　6.6t　(-7.0%) FY2024　6.5t　(-8.5%) FY2025　6.5t　(-8.5%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
FUJI CORPORATION LIMITED	Real estate and construction	The Senshu Ikeda Bank, Ltd.	March, 2024	-	Rating & Investment Information, Inc.	0.5	billion yen	Increase the number of serviced senior housing units managed by Fuji Housing Group by approximately 5% each year 【Target】 2025/Mar. 263 buildings 2026/Mar. 276 buildings 2027/Mar. 289 buildings 2028/Mar. 303 buildings 2029/Mar. 318 buildings	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
GreenHeart T&K	Others (including service industry)	THE TOCHIGI BANK, LTD.	March, 2024	-	Tochigin Capital & Consulting (とちぎんキャピタル＆コンサルティング)	-	-	Increase ratio of female employees, improve feed self-sufficiency rate	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Gunma resin (群馬レジン)	Manufacturing	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	At least one next-generation vehicle* will be introduced each fiscal year, and any increase in the number of vehicles will be next-generation vehicles. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
HEART EXPRESS (ハート急便)	Transportation	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：2,874.9 t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　2,891.0t　(-3.5%) FY2024　2,875.0t　(-4.1 %) FY2025　2,875.0t　(-4.1 %)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
HIDA TEC Co., Ltd.	Manufacturing	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.5	billion yen	Number of end-of-life vehicles that the company received that underwent "eco-press" treatment (Actual:2023/Sep. 17,630 units ）【Target】 2024/Sep. 18,200 units 2025/Sep. 19,000 units 2026/Sep. 19,800 units 2027/Sep. 20,500 units 2028/Sep. 21,100 units	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Higashi Nihon Ryutsu (東日本流通)	Transportation	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on the fiscal year ending March 31, 2024.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Hokkaido Leasing Co.,Ltd	Finance (including REITs)	Syndication method (Arranger:THE HOKKAIDOBANK,LTD.）THE HOKKAIDOBANK,LTD.、The Hokuriku Bank, Ltd.、Asahikawa Shinkin Bank、Kitami Shinkin Bank、Kushiro Shinkin Bank、HOKKAIDO SHINKIN BANK、Sorachi Shinkin Bank、Dounan Umimachi Shinkin Bank、Tomakomai Shinkin Bank、Hokumon Shinkin Bank、Muroran Shinkin Bank、ABASHIRI SHINKIN BANK、ENGARU SHINKIN BANK、THE OBIHIRO SHINKIN BANK、Kitasorachi Shinakin Bank、Daichimirai Shinkin Bank、The Hidaka Shinkin Bank、 HOKUSEI SHINKIN BANK、RUMOI Shinkin Bank、Sapporo Chuo Credit Union（札幌中央信用組合）、Sorachi Commercial & Industrial Credit Union（空知商工信用組合）、Hokuoh Shinkumi	March, 2024	-	Japan Credit Rating Agency, Ltd.	3	billion yen	Achieve the following figures for the number of lease contracts for HVs and other vehicles by fiscal year. ※Achieve an annual increase of at least 2% in the number of lease contracts compared to the average of 304 contracts in the three fiscal years ended March 31, 2021, March 31, 2022, and March 31, 2023. At least 317 units in March 2025 (104.3%) At least 323 units in March 2026 (106.3%) At least 329 units in March 2027 (108.2%) At least 335 units in March 2028 (110.2%)	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
I GRID SOLUTIONS (アイ・グリッド・ソリューションズ)	Others (including service industry)	The Keiyo Bank,Ltd.	March, 2024	5 years	Rating & Investment Information, Inc.	-	-	Increase the cumulative generation capacity of PPA projects to approximately 70 times from the FY2019 level by FY2027, the final year of the project.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Ishida Paper Products (石田紙器)	Manufacturing	THE TOTTORI BANK, LTD	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage of employment above age 65 (retirement age) each year	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
Iwai Ryutsu Service (岩井流通サ－ビス)	Agriculture, forestry, fishing	Tsukuba Bank, Ltd.	March, 2024	-	Rating & Investment Information, Inc.※	-	-	Increase in employment of specified skilled foreign workers（KPI）【Target】2039　68 persons (400% increase compared to 2023)	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
Kijimitsu Setsubi (木地光設備有限会社)	Others (including service industry)	THE GIFU SHINKIN BANK	March, 2024	7 years	Rating & Investment Information, Inc. ※	0.05	billion yen	Reduction rate of CO₂ emissions per unit of sales (intensity basis): Reduce CO₂ emissions by 15.0% in FY2030/6 compared to FY2023/6 【Target for each fiscal year】（Compared to 2023/6） 2025/6▲2.5% 2026/6▲5.0% 2027/6▲7.5% 2028/6▲10.0% 2029/6▲12.5% 2030/6▲15.0%	・The preferential interest rate is a prerequisite to motivate the reduction of CO₂ emissions. ・Since the preferential interest rate is applied from the beginning, the interest rate will not be additionally reduced when the SPT is achieved. ・If the SPT is not achieved in a single period, the company will be asked to prepare a business plan to achieve the target. ・If the SPT is not achieved for two consecutive terms, the interest rate will be raised by 0.1%. ・Thereafter, as long as the SPT remains unachieved, the loan interest rate will remain raised.	The Company shall report annually to The Gifu Shinkin Bank on the status of achievement of the SPT.
Kinpoudou (金宝堂)	Others (including service industry)	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Introduce at least two next-generation vehicles* each year, and increase the ratio of next-generation vehicles in the fleet to at least 50% by the fiscal year ending August 2030. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Kunii gumi (国井組)	Real estate and construction	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.2	billion yen	Number of children accepted by Family Home from Child Guidance Centers: In each year from 2024 to 2043, the target number of children accepted by Family Home from Child Guidance Centers will be 5.	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
KYB Corporation	Manufacturing	Development Bank of Japan Inc.	March, 2024	-	-	-	-	Reduce CO₂ emissions (Scope 1 and 2) in the Kayaba Group to 195,671 t-CO₂ in FY2025 (29.4% reduction from FY2018)	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Like Company	Wholesale and retail trade	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：8.7t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　8.2t　(-5.7%) FY2024　8.1t　(-6.9%) FY2025　8.0t　(-8.0%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Makoto Sogo Kikaku (有限会社まこと総合企画)	Others (including service industry)	The Hiroshima Bank, Ltd.	March, 2024	10 years	HIROGIN area design Co. Ltd.	0.07	billion yen	Improvement of annual paid leave utilization rate （Actual：2022/Mar.6.6%、 2023/Mar.　26.1%）【Target】 2025/Mar. 50% 2026/Mar. 60% 2027/Mar. 70% 2028/Mar. 80% 2029/Mar. 90% 2030/Mar. 90% 2031/Mar. 90% 2032/Mar. 90% 2033/Mar. 90% 2034/Mar. 90%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
MATSUTANINORI CO.,LTD.	Food, Beverages, Tobacco, etc.	THE YAMAGUCHI BANK, LTD.	March, 2024	5 years	Rating & Investment Information, Inc. ※	0.1	billion yen	Reduction rate of electricity consumption per net sales at manufacturing plants and distribution warehouses (Reduction rate for each fiscal year based on FY2023 results)【Target for each fiscal year】 FY2024 ▲5.0% FY2025 ▲10.0% FY2026 ▲15.0% FY2027 ▲20.0%	The SPTs' achievement status is checked annually, and the incentive is designed to reduce the interest rate when the SPTs are achieved.	In principle, once a year, the status of achievement of SPTs will be reported to Yamaguchi Bank's branch offices using the prescribed form. The report should also include evidence, data, and other prima facie evidence necessary for the verification work.
New Sunlife (ニューサンライフ)	Real estate and construction	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions at the head office and "Gion Oyado Kikkei" by 2.7% per year as a percentage of sales, based on the fiscal year ending August 31, 2023.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Nichijyu Kankyo (日重環境)	Others (including service industry)	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	At least one next-generation vehicle* will be introduced each fiscal year, and any increase in the number of vehicles will be next-generation vehicles. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Nittoc co.,ltd.	Wholesale and retail trade	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.1	billion yen	Number of toilet cars sold (Actual: Number of units sold) 2022/Apr. 7 units 2023/Apr. 29 units 2024/Apr.(Estimate) 37 units 【Target】 2025/Apr. 80 units 2026/Apr. 120 units 2027/Apr. 160 units 2028/Apr. 200 units 2029/Apr. 250 units 2030/Apr. 300 units 2031/Apr. 350 units	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Nomura Real Estate Holdings, Inc.	Real estate and construction	Sumitomo Mitsui Banking Corporation	March, 2024	10 years	Rating & Investment Information, Inc.	4	billion yen	SPT① Reduce the total GHG emissions of Scope 1 and Scope 2 for the entire Group by 35% compared to FY 2019 by FY 2030. SPT② Reduce Group-wide Scope 3 (Category 1 and 11) GHG emissions by 35% from FY 2019 levels by FY 2030	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Ocean Eyes Co., Ltd.	Others (including service industry)	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：0.3t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　0.2 t　(-33.3%) FY2024　0.2 t　(-33.3%) FY2025　0.2 t　(-33.3%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Odakyu Electric Railway Co., Ltd.	Transportation	Development Bank of Japan Inc.	March, 2024	-	-	-	-	Reduce CO₂ emissions (Scope 1 and 2) of Odakyu Electric Railway and all consolidated subsidiaries by 50% or more compared to FY2013 levels in FY2030	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Oginoya Co.	Food, Beverages, Tobacco, etc.	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Introduce at least one next-generation vehicle* each year, aiming for an introduction rate of at least 50% by FY2030. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Okumura Corporation	Real estate and construction	Resona Bank,Ltd.	March, 2024	5 years	Japan Credit Rating Agency, Ltd.	-	-	SPT① Reduction rate of GHG emissions (Scope 3) in FY2026: -3.8% (compared to FY2020) SPT② Reduction rate of GHG emissions (Scope 3) in FY2027: -6.1% (compared to FY2020)	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Riverfoot Renovation Inc. (リバーフットリノベーション)	Real estate and construction	Tsukuba Bank, Ltd.	March, 2024	-	Rating & Investment Information, Inc.※	-	-	Increase in the percentage of ZEH homes constructed as a percentage of contract orders 【Target】2030　100%	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
SARAFUJI (サラフジ)	Manufacturing	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on the fiscal year ending September 30, 2023.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
SHIMAZAKI CO.,Ltd.	Wholesale and retail trade	THE GIFU SHINKIN BANK	March, 2024	10 years	Rating & Investment Information, Inc. ※	0.062	billion yen	Reduction rate of CO₂ emissions per unit of sales (intensity basis): Reduce CO₂ emissions by 22.5% in FY2033/7 compared to FY2022/7. 【Target for each fiscal year】（Compared to 2022/7） 2025/7 ▲2.5% 2026/7 ▲5.0% 2027/7 ▲7.5% 2028/7 ▲10.0% 2029/7 ▲12.5% 2030/7 ▲15.0% 2031/7 ▲17.5% 2032/7 ▲20.0% 2033/7 ▲22.5%	・The preferential interest rate is a prerequisite to motivate the reduction of CO₂ emissions. ・Since the preferential interest rate is applied from the beginning, the interest rate will not be additionally reduced when the SPT is achieved. ・If the SPT is not achieved in a single period, the company will be asked to prepare a business plan to achieve the target. ・If the SPT is not achieved for two consecutive terms, the interest rate will be raised by 0.1%. ・Thereafter, as long as the SPT remains unachieved, the loan interest rate will remain raised.	The Company shall report annually to The Gifu Shinkin Bank on the status of achievement of the SPT.
SHINBO (シンボ)	Manufacturing	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.1	billion yen	Greenhouse Gas Emissions（Scope1・2） (Actual:2023/Sep. 69.50 t-CO₂ ）【Target】 (t-CO₂、figures in parentheses indicate increase rate from 2023/Spt.） 2024/Spt. 66.58 (4.2%) 2025/Spt. 63.66 (8.4%) 2026/Spt. 60.74 (12.6%) 2027/Spt. 57.82 (16.8%)	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Showa Denki Chuko Co.,LTD.	Manufacturing	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% annually based on the fiscal year ending March 31, 2021	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
SOGO ENERGY inc.	Wholesale and retail trade	The Iyo Bank, Ltd.	March, 2024	10 years	IYOGIN REGIONAL ECONOMY RESEARCH CENTER,INC.	0.15	billion yen	To gradually increase the installation rate of gasoline meters with vapor recovery devices at gas stations operated by the company each year, so that the installation rate at the end of May 2033 will be 61.90% or higher.	-	-
Sousei Mineral Co (創生ミネラル)	Manufacturing	The Hiroshima Bank, Ltd.	March, 2024	5 years	HIROGIN area design Co. Ltd.	0.03	billion yen	Percentage of sales of fire-resistant materials (sprayed materials) using recycled raw materials （Actual：2023/Mar. 22.29%）【Target】 2025/Mar. 29% 2026/Mar. 31% 2027/Mar. 33% 2028/Mar. 35%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
SUMITOMO CHEMICAL COMPANY, LIMITED	Chemical Industry	Nippon Life Insurance Company	March, 2024	7 years and 6 months	Japan Credit Rating Agency, Ltd.	3	billion yen	Reduce Sumitomo Chemical Group's GHG emissions (Scope 1 + Scope 2) by 50% from the FY2013 level by FY2030	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Sumitomo Mitsui Finance and Leasing Company, Limited	Finance (including REITs)	Development Bank of Japan Inc.	March, 2024	-	-	-	-	Achieve an effective resource utilization rate of 92.8% or higher each fiscal year	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Takahama sanso (高浜酸素)	Wholesale and retail trade	The Hyakujushi Bank, Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	SPT① job turnover rate 2025/Mar. 3.50% or less 2026/Mar. 3.50% or less 2027/Mar. 3.50% or less 2028/Mar. 3.50% or less SPT② Percentage of paid leave taken 2025/Mar. 65.0% or more 2026/Mar. 66.0% or more 2027/Mar. 68.0% or more 2028/Mar. 70.0% or more	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Takiguchi (滝口工務店)	Others (including service industry)	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：12.3t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　14.2t　(-5.3%) FY2024　14.0t　(-6.7%) FY2025　14.0t　(-6.7%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
TANABE CORPORATION.	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.3	billion yen	Sales of "rotary kilns" for manufacturing lithium-ion batteries used in EVs SPT①　Target sales for the year (Actual) 72 period (Oct. 2018-Sep.2019) 1,031,288 thousand yen 73 period (Oct. 2019-Sep.2020) 2,454,337 thousand yen 74 period (Oct. 2020-Sep.2021) 3,795,638 thousand yen 75 period (Oct. 2021-Sep.2022) 3,096,331 thousand yen 76 period (Oct. 2022-Sep.2023) 2,444,289 thousand yen 【Target】 77 period (Oct. 2023-Sep. 2024) 2,692,595 thousand yen 78 period (Oct. 2024-Sep. 2025) 2,827,225 thousand yen 79 period (Oct. 2025-Sep. 2026) 2,968,586 thousand yen 80 period (Oct. 2026-Sep. 2027) 3,117,016 thousand yen 81 period (Oct. 2027-Sep. 2028) 3,272,867 thousand yen 82 period (Oct. 2028-Sep. 2029) 3,436,510 thousand yen SPT②　Average of target sales for 6 target fiscal years (Actual:Average of sales for72 period～76 period　2,564,377 thousand yen） 80 period　3,052,467 thousand yen 81 period 3,052,467 thousand yen 82 period 3,052,467 thousand yen	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
TOCHION	Others (including service industry)	Tsukuba Bank, Ltd.	March, 2024	-	Rating & Investment Information, Inc.※	-	-	Increase in the number of storage batteries installed and sold（KPI) 【Target】2030 cumulative 57 cases	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
Tohkoh giken (トーコー技研)	Manufacturing	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on the fiscal year ending July 31, 2020.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Toho Sangyou Co.,Ltd.	Wholesale and retail trade	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Sales volume of dust-proof solidification materials (Actual:2023/Nov.　4,297t) 【Target】 2024/Nov.　6,000t 2025/Nov.　7,000t 2026/Nov.　8,500t 2027/Nov.　10,000t	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Tokiwa Security Service Co. (常盤警備保障)	Others (including service industry)	Tsukuba Bank, Ltd.	March, 2024	-	Rating & Investment Information, Inc.※	-	-	Increase in next-generation vehicle ownership 【Target】2030　91.6%	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
Tokyo Century Corporation	Finance (including REITs)	Syndication method (Arranger:Mizuho Bank, Ltd.） Domestic Financial Institutions	March, 2024	-	Rating & Investment Information, Inc.	-	-	SPT① Achieve 22.0% electric vehicle (EV, FCEV, PHEV, HV) ratio in FY2025. SPT② Achieve a fuel-efficient aircraft ratio (ratio of fuel-efficient aircraft to total assets) of 72.0% in the aircraft business (ACG) in FY2025 (as of December 31, 2025) SPT③ Achieve annual used PC sales of 241,000 units or more in FY2025.	Financial and structural characteristics change according to the achievement of SPTs.	Tokyo Century will report on the following items only to the lender of the loan (or only to the lender through the agent in the case of syndicated loans) for the reporting period preceding the fiscal year in which the reporting date falls. 1 Actual values of KPIs for the reporting period 2 Status of achievement of SPTs for the period covered by the reporting 3 Information on the issuer's most recent sustainability strategy as it relates to the KPIs and SPTs 4 If SPTs have not been achieved and donations have been made, the recipients of the donations, the amount of the donations, and the timing of the donations
Tokyo Century Corporation	Real estate and construction	Sumitomo Mitsui Banking Corporation	March, 2024	3 years	Rating & Investment Information, Inc.	-	billion yen	SPT① Ratio of electric vehicles (EV, FCEV, PHEV, HV) SPT② Ratio of fuel-efficient aircraft in the Aircraft segment (ACG) (percentage of assets held in fuel-efficient aircraft)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
TOYO LABEL.	Others (including service industry)	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：209.3t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　136.8t　(-30.8%) FY2024　136.5t　(-30.9%) FY2025　136.2t　(-31.1%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Tsunan Forest Association	Food, Beverages, Tobacco, etc.	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.13	billion yen	CO₂ emissions per sales（Scope1・2） (unit：t-CO₂） (Actual) 2023/Jan.　1.405 2024/Jan.　1.211 【Target】 2025/Jan.　1.172 2026/Jan.　1.132 2027/Jan.　1.093 2028/Jan.　1.053 2029/Jan.　1.014 2030/Jan.　0.973	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Uemuragumi Ltd.	Others (including service industry)	Kyoto Chuo Shinkin Bank	March, 2024	-	Japan Credit Rating Agency, Ltd.　※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 23.0 t）【Target】 (Figures in parentheses indicate reduction rate) FY2023　22.0t (－4.3%) FY2024　21.8t (－5.2%) FY2025　21.8t (－5.2%)	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
United Super Markets Holdings Inc.	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	SPT① Reduce CO₂ emissions from electricity use in FY2030 by 60% or more compared to FY2020. SPT② Reduce food waste emissions (food waste recycling amount subtracted from food waste generation amount) to 7,650 tons or less in FY2030.	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	Once a year, the Borrower will report information on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
WATANABE SEISAKUSHO Co.Ltd.	Manufacturing	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year based on FY2023/Dec.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Willplus Holdings Corp.	Wholesale and retail trade	Sumitomo Mitsui Banking Corporation	March, 2024	5 years	Rating & Investment Information, Inc.	-	billion yen	Reduce intensity of GHG emissions (Scope 1 + Scope 2 per store) by 37.5% in FY2028 compared to FY2022. (6.25% reduction per year)	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
WILLPLUS Holdings Corporation.	Wholesale and retail trade	THE BANK OF FUKUOKA., LTD.	March, 2024	-	Rating & Investment Information, Inc. ※	1	billion yen	Obtain an “A-” or better on the CDP Climate Change Score to be obtained in March 2027 based on the fiscal year ending June 30, 2025. (“B” as of February 2024)	To motivate borrowers to achieve their SPTs, the SPTs' achievement status is checked annually, and the incentive design reduces the interest rate when the SPTs are achieved.	In principle, the borrower shall report the status of achievement of SPTs once a year to Fukuoka Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Yabe Corporation (矢部コーポレーション)	Wholesale and retail trade	The Kiyo Bank, Ltd.	March, 2024	5 years	Wakayama Institute for Social & Economic Development	0.25	billion yen	SPT① Percentage of employees taking annual paid leave (unit: %) （actual result：FY2020 53%、FY2021 50%、FY2022 69%）【Target】 FY2023　70% FY2024　70% FY2025　70% FY2026　70% FY2027　70% SPT② Percentage of female managers (Unit: %) （actual result：FY2020 ０%、FY2021 ０%、FY2022 ０%）【Target】 FY2023　20% FY2024　20% FY2025　20% FY2026　20% FY2027　30%	The interest rate applied during the loan term will be determined by the lender's achievement of the following requirements (i) To report in writing to the lender on the status of achievement of SPTs by the reporting deadline each year. (ii) Achieve the target figures of the SPTs for each fiscal year from FY2023 to FY2027.	Yabe Corporation requires lenders to report in writing on the status of achievement of SPTs by the reporting deadline and to submit materials necessary to verify the achievement of SPTs.
Yabe Corporation (矢部コーポレーション)	Wholesale and retail trade	The Hiroshima Bank, Ltd.	March, 2024	10 years	HIROGIN area design Co. Ltd.	0.1	billion yen	SPT① Percentage of paid leave taken （actual: 2023/Mar. 69.4%、 2024/Mar.(estimate)　62.1%）【Target】 2025/Mar. 70% 2026/Mar. 70% 2027/Mar. 70% 2028/Mar. 70% 2029/Mar. 72% 2030/Mar. 74% 2031/Mar. 76% 2032/Mar. 78% 2033/Mar. 80% SPT② Percentage of male employees taking childcare leave （actual：2023/Mar. 100%、 2024/Mar.(estimate)　100%）【Target】 2025/Mar.～ 2033/Mar. 100%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
Yamakoh Seisakusho (ヤマコー製作所)	Manufacturing	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：96.0t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　95.3t　(-6.0%) FY2024　93.7t　(-7.6%) FY2025　92.1t　(-9.2%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
YUKIGUNI MAITAKE CO., LTD.	Food, Beverages, Tobacco, etc.	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	2.5	billion yen	Greenhouse gas emissions intensity (production volume basis) Reduce by approximately 35% by the fiscal year ending March 31, 2031 (Actual） 2021/Mar. 2.96 - (base year) 2022/Mar. 2.86 ▲3.4% 2023/Mar. 2.83 ▲4.4% 2024/Mar. 2.74 ▲7.4% 【Target】 2025/Mar. 2.71 ▲8.4% 2026/Mar. 2.69 ▲9.1% 2027/Mar. 2.68 ▲9.5% 2028/Mar. 2.19 ▲26.0% 2029/Mar. 2.19 ▲26.0% 2030/Mar. 2.19 ▲26.0%	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Architect Sasahara (アーキテクト・笹原)	Others (including service industry)	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：10.8t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　10.6t　(　-1.9%) FY2024　　8.5t　(-21.3%) FY2025　　8.5t　(-21.3%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Bell Mall (ベルモール)	Real estate and construction	THE TOCHIGI BANK, LTD.	March, 2024	-	Tochigin Capital & Consulting（とちぎんキャピタル＆コンサルティング）	-	-	Reduction rate of CO₂ emissions	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Frere Co., Ltd.	Real estate and construction	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year based on the year ending December 31, 2023	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Katagiri Shoten (片桐商店)	Others (including service industry)	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on the fiscal year ending November 30, 2022.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Kikuchi (菊地組)	Real estate and construction	THE TOCHIGI BANK, LTD.	March, 2024	-	Tochigin Capital & Consulting（とちぎんキャピタル＆コンサルティング）	-	-	Reduction rate of CO₂ emissions（Scope1・2）	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Maki Kikai (牧機械製作所)	Manufacturing	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year as a percentage of sales based on the fiscal year ending April 30, 2023.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Midori Shoji (実取商事)	Wholesale and retail trade	THE TOCHIGI BANK, LTD.	March, 2024	-	Tochigin Capital & Consulting（とちぎんキャピタル＆コンサルティング）	-	-	Labor Productivity Improvement, etc.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
NADAKA CORPORATION.	Others (including service industry)	Kyoto Chuo Shinkin Bank	March, 2024	-	Japan Credit Rating Agency, Ltd.　※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 1,051.2 t）【Target】 (Figures in parentheses indicate reduction rate) FY2023　1,003.7 t (-4.5%) FY2024　1,002.7 t (-4.6%) FY2025　1,001.2 t (-4.8%)	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Sawano Dogen Co.Ltd.	Others (including service industry)	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：12.2t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　11.7 t　(-4.1%) FY2024　11.6t　(-4.9%) FY2025　11.5t　(-5.7%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
SHIMOMURA (下村住建)	Real estate and construction	THE HYAKUGO BANK,LTD.	March, 2024	-	Rating & Investment Information, Inc.※	-	-	ZEH introduction target (vs. 2022/Mar.) 2024/Mar.　35% 2025/Mar.　40% 2026/Mar.　50% 2027/Mar.　55% 2028/Mar.　60%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Style Co., Ltd	Real estate and construction	The 77 Bank, Ltd.	March, 2024	-	77 Research and Consulting Co.,Ltd.	0.05	billion yen	Increase the annual number of medical facilities constructed in areas where the number of medical facilities (hospitals, general clinics, and dental clinics) per 100,000 population is below the national average to 4 by the fiscal year ending May 2028.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
ALPS ALPINE CO., LTD.	Electronic components, devices, information equipment, etc.	Syndication method (Arranger:Sumitomo Mitsui Trust Bank, Limited）The Chiba Bank, Ltd.、The Bank of Yokohama,Ltd.、Resona Bank,Ltd.、Sumitomo Mitsui Trust Bank, Limited	March, 2024	-	Japan Credit Rating Agency, Ltd.	9.8	billion yen	SPT①　Reduce GHG emissions (Scope 1+2) in the Alps Alpine Group by 90% compared to FY2020 by FY2030 SPT②　Increase the introduction rate of renewable energy in the Alps Alpine Group to 60% by FY2024 and to 100% by FY2030.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
DEZAO KENSETSU Co.,inc	Real estate and construction	Kyoto Chuo Shinkin Bank	March, 2024	-	Japan Credit Rating Agency, Ltd.　※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 39.5 t）【Target】 (Figures in parentheses indicate reduction rate) FY2023　36.0t (－18.6%) FY2024　36.0t (－18.6%) FY2025　36.0t (－18.6%)	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Hotel Senkei (ホテル泉慶)	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.4	billion yen	Rate of leaving for personal reasons for full-time employees under 30 years of age (Actual) FY2019　18.75% FY2020　9.59% FY2021　20.29% FY2022　28.36% FY2023　3.33% FY2024　15.0% 【Target】 FY2025　15.0% FY2026　15.0% FY2031　13.0% FY2032　13.0% FY2024　13.0% FY2025　10.0% FY2026　10.0% FY2031　10.0% FY2032　10.0%	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
KAJIMA CORPORATION	Real estate and construction	Aozora Bank, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	Reduce CO₂ emissions (Scope 1+2) for each target year to less than the ratio shown below compared to FY2021. 【Target】 FY2022　-0.047% FY2023　-0.093% FY2024　-0.14% FY2025　-0.187% FY2026　-0.233% FY2027　-0.28% FY2028　-0.327% FY2029　-0.373% FY2030　-0.42%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
KAJIMA CORPORATION	Real estate and construction	SBI Shinsei Bank, Limited	March, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	Reduce CO₂ emissions (Scope 1+2) for each target year to less than the ratio shown below compared to FY2021. 【Target】 FY2022　-0.047% FY2023　-0.093% FY2024　-0.14% FY2025　-0.187% FY2026　-0.233% FY2027　-0.28% FY2028　-0.327% FY2029　-0.373% FY2030　-0.42%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
KAJIMA CORPORATION	Real estate and construction	The Dai-ichi Life Insurance Company, Limited	March, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	Reduce CO₂ emissions (Scope 1+2) for each target year to less than the ratio shown below compared to FY2021. 【Target】 FY2022　-0.047% FY2023　-0.093% FY2024　-0.14% FY2025　-0.187% FY2026　-0.233% FY2027　-0.28% FY2028　-0.327% FY2029　-0.373% FY2030　-0.42%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
KAJIMA CORPORATION	Real estate and construction	TAIJU LIFE INSURANCE COMPANY LIMITED	March, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	Reduce CO₂ emissions (Scope 1+2) for each target year to less than the ratio shown below compared to FY2021. 【Target】 FY2022　-0.047% FY2023　-0.093% FY2024　-0.14% FY2025　-0.187% FY2026　-0.233% FY2027　-0.28% FY2028　-0.327% FY2029　-0.373% FY2030　-0.42%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
KAJIMA CORPORATION	Real estate and construction	Mizuho Bank, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	Reduce CO₂ emissions (Scope 1+2) for each target year to less than the ratio shown below compared to FY2021. 【Target】 FY2022　-0.047% FY2023　-0.093% FY2024　-0.14% FY2025　-0.187% FY2026　-0.233% FY2027　-0.28% FY2028　-0.327% FY2029　-0.373% FY2030　-0.42%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
KAJIMA CORPORATION	Real estate and construction	Sumitomo Mitsui Trust Bank, Limited	March, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	Reduce CO₂ emissions (Scope 1+2) for each target year to less than the ratio shown below compared to FY2021. 【Target】 FY2022　-0.047% FY2023　-0.093% FY2024　-0.14% FY2025　-0.187% FY2026　-0.233% FY2027　-0.28% FY2028　-0.327% FY2029　-0.373% FY2030　-0.42%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
KAJIMA CORPORATION	Real estate and construction	Meiji Yasuda Life Insurance Company	March, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	Reduce CO₂ emissions (Scope 1+2) for each target year to less than the ratio shown below compared to FY2021. 【Target】 FY2022　-0.047% FY2023　-0.093% FY2024　-0.14% FY2025　-0.187% FY2026　-0.233% FY2027　-0.28% FY2028　-0.327% FY2029　-0.373% FY2030　-0.42%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Seiwafoods. (セイワ食品)	Food, Beverages, Tobacco, etc.	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Introduce at least one next-generation vehicle* each fiscal year, and increase the ratio of next-generation vehicles in the fleet to at least 50% by the fiscal year ending September 30, 2027. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
SHIMIZU Co.Ltd	Energy	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Increase the percentage of next-generation vehicles* in our fleet to at least 50% by the fiscal year ending March 31, 2030. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Sotetsu Holdings, Inc.	Transportation	Syndication method (Arranger:Sumitomo Mitsui Trust Bank, Limited）The Senshu Ikeda Bank, Ltd.、Kansai Mirai Bank, Limited、The Kiyo Bank, Ltd. 、The Bank of Kyoto, Ltd.、The Gunma Bank,Ltd.、THE SAN-IN GODO BANK,LTD．、The 77 Bank, Ltd.、The Chukyo Bank, Ltd、Sumitomo Mitsui Trust Bank, Limited、Resona Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc.	27	billion yen	Reduce CO₂ emissions in the Sotetsu Group by 42% from the FY2020 level by FY2030.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Yabu Doken Co., Ltd.	Real estate and construction	The Bank of Okinawa, Ltd	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage of electricity use derived from renewable energy or from renewable energy sources (reduction of approximately 328 tons of CO₂ emissions per year)	The incentive design is such that the achievement of SPTs is checked annually, and interest rates are reduced when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to the Bank of Okinawa's branch offices using the prescribed form. The report should also include prima facie evidence and data necessary for verification. In principle, the Bank does not require the borrower to disclose the contents of the reports on its website or other media.
ACT KIKAKU (アクト企画)	Others (including service industry)	The Ehime Bank, Ltd.	March, 2024	7 years	Himegin Information Center（ひめぎん情報センター）	0.2	billion yen	SPT① Reduce CO₂ emissions per total building floor area by at least 4.2% per year SPT② Increase the annual paid leave utilization rate of all employees to 80% by FY2029	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
ＫＥＮＹＯＵ	Real estate and construction	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Percentage of the number of detached houses completed by the company in a year that meet the G2 grade. 【Target】（Percentage (single year) ） 2025/Apr. 5.00% 2026/Apr. 10.00% 2027/Apr. 15.00% 2028/Apr. 20.00% 2029/Apr. 25.00% 2030/Apr. 30.00% 2031/Apr. 35.00% 2032/Apr. 40.00% 2033/Apr. 45.00% 2034/Apr. 50.00% 2035/Apr. 55.00% 2036/Apr. 60.00% 2037/Apr. 70.00% 2038/Apr. 80.00% 2039/Apr. 80.00%	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
NOZUE Metal Recycling (野末商店)	Others (including service industry)	THE SHIZUOKA BANK, LTD.	March, 2024	-	Japan Credit Rating Agency, Ltd.	0.4	billion yen	CO₂ emissions (Scope 1 & 2) 【Target】 (vs. FY2020) FY2024　▲24.1% FY2025　▲28.3% FY2026　▲32.5% FY2027　▲36.7% FY2028　▲40.9%	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Sakae Industry Co.,Ltd.	Manufacturing	THE SHIGA BANK，LTD．	March, 2024	-	Rating & Investment Information, Inc.	0.1	billion yen	Reduce Sakae Industry Group's CO₂ emissions (Scope 1 and 2) by 42% from the FY2021 level by FY2030	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Uoroku Holdings (ウオロクホールディングス)	Wholesale and retail trade	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	2.5	billion yen	CO₂ emissions intensity (t-CO₂/㎡) of the food supermarket industry benchmark indicator based on the Agency for Natural Resources and Energy's benchmark evaluation system (Actual value: benchmark indicator) 2021/Mar. 0.862 2022/Mar. 0.838 2023/Mar. 0.775 【Target】 2024/Mar. 0.817 2025/Mar. 0.812 2026/Mar. 0.808 2027/Mar. 0.803 2028/Mar. 0.798 SPT②CO₂ emissions intensity (t-CO₂/m2 ) (Actual) 2021/Mar. 0.0171 2022/Mar. 0.0151 2023/Mar. 0.0145 【Target】 2024/Mar. 0.0141 2025/Mar. 0.0138 2026/Mar. 0.0134 2027/Mar. 0.0131 2028/Mar. 0.0115	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Vortex Co., Ltd.	Real estate and construction	The 77 Bank, Ltd.	March, 2024	-	77 Research and Consulting Co.,Ltd.	0.5	billion yen	Achieve a BELS certification rate of 81% or higher for "VORT" series, our "condominium-owned office" brand, by the end of March 2028.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Yamaichi Fishieries (山一水産)	Wholesale and retail trade	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：120.0t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　121.4t　(1.2%) FY2024　112.8t　(-6.0%) FY2025　112.7t　(-6.1%)	The incentive design is designed to reduce interest rates when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not achieved, the interest rate will be increased by the same level as the reductions.	The Borrower shall report annually on the status of achievement of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Abalance	Energy	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.5	billion yen	Increase in domestic power generation capacity by 5 MW or more from the previous year from renewable energy power generation facilities owned by the company and its affiliates (subsidiaries, affiliates, etc.)	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Asaya (アサヤ)	Others (including service industry)	The 77 Bank, Ltd.	March, 2024	-	77 Research and Consulting Co.,Ltd.	0.1	billion yen	SPT① The paid leave utilization rate will be improved to 80% by the end of March 2028. SPT② With regard to the wage gap between men and women, improve women's salary level to 80% by the end of March 2028, given that men's salary level is 100%.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
Chlorella Hak (クロレラ食品ハック)	Wholesale and retail trade	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：7.7t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　7.3t　(-1.4%) FY2024　6.9t　(-6.8%) FY2025　6.9t　(-6.8%)	Incentives such as preferential interest rates are given based on the achievement of SPTs	Emission reduction plans and reduction reports of the borrower will be published on the Kyoto Prefecture website once a year until the loan is repaid.
FUKUSENDO (有限会社福仙堂)	Real estate and construction	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce Fukusendo Real Estate's greenhouse gas emissions by 2.7% per year as a percentage of sales, based on the fiscal year ending August 31, 2023.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Makes Co.,Ltd.	Real estate and construction	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year based on FY2024/5	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
ALINCO INCORPORATED	Others (including service industry)	Kansai Mirai Bank, Limited	March, 2024	5 years	Rating & Investment Information, Inc.	1	billion yen	Reduce CO₂ emissions by 86.4 tons annually. 【Target】 CO₂ emissions (reduction) FY2023 1867.4ｔ (86.4ｔ) FY2024 1781.0ｔ (86.4ｔ) FY2025 1694.6ｔ (86.4ｔ) FY2026 1608.2ｔ (86.4ｔ) FY2027 1521.8ｔ (86.4ｔ)	The design will examine the achievement of the SPT each fiscal year and reduce the applicable interest rate if the SPT is achieved.	The borrower shall report to the lender on the status of achievement of the SPT in the immediately preceding period by the reporting deadline with respect to the status of reduction of CO₂. However, submission of materials to the lender shall not be required unless the lender publicizes the report, etc. on the lender's website, etc., and the lender approves the report.
GET-IT Co., Ltd.	Electronic components, devices, information equipment, etc.	Syndication method (Arranger:MUFG Bank, Ltd.）Sumitomo Mitsui Banking Corporation、Mizuho Bank, Ltd.	March, 2024	3 years	Rating & Investment Information, Inc.	1	billion yen	CO₂ reduction contribution through sales of reused server and network equipment actual result： FY2020　30,897 t-CO₂e FY2021　30,932 t-CO₂e FY2022　26,305 t-CO₂e 【Target】 FY2024　34,445 t-CO₂e FY2025　38,613 t-CO₂e FY2026　45,784 t-CO₂e	The design of the applicable interest rate to be increased if the SPT is not achieved will serve as an incentive to achieve the target. Achievement status will be determined by June after the end of FY2024 and FY2025, based on one year of actual results for each.	Get-It will submit actual performance figures for FY2024 and FY2025 to all lenders. In addition, once a year, the performance figures for each fiscal year will be disclosed on the website.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	The Chiba Bank, Ltd.	March, 2024	7 years	Rating & Investment Information, Inc.	0.1	billion yen	Reduce CO₂ emissions intensity of logistics real estate (Scope 1 and 2) by 90% from 2016 levels by the end of 2027	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Sumitomo Mitsui Banking Corporation	March, 2024	8 years	Rating & Investment Information, Inc.	0.14	billion yen	Reduce CO₂ emissions intensity of logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Shinkin Central Bank	March, 2024	8 years	Rating & Investment Information, Inc.	0.15	billion yen	Reduce CO₂ emissions intensity of logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Resona Bank,Ltd.	March, 2024	8 years 6 months	Rating & Investment Information, Inc.	0.05	billion yen	Reduce CO₂ emissions intensity of logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	The Norinchukin Bank	March, 2024	9 years	Rating & Investment Information, Inc.	0.05	billion yen	Reduce CO₂ emissions intensity of logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	SBI Shinsei Bank, Limited	March, 2024	9 years	Rating & Investment Information, Inc.	0.12	billion yen	Reduce CO₂ emissions intensity of logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Mizuho Bank, Ltd.	March, 2024	10 years	Rating & Investment Information, Inc.	0.08	billion yen	Reduce CO₂ emissions intensity of logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
MIYAMOTO ELECTRIC HORN CO., LTD. (宮本警報器)	Manufacturing	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.2	billion yen	Intensity figures for greenhouse gas emissions (Scope 1 and 2) (actual result: FY2020　0.715, FY2021 0.669, FY2022 0.615) 【Target】 FY2024 0.692 FY2025 0.643 Fy2026 0.577 Fy2027 0.531 FY2028 0.525 FY2029 0.468	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
Nakagawakougyousyo Co.,Ltd.	Manufacturing	Daishi Hokuetsu Bank, Ltd	March, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	0.1	billion yen	CO₂ emissions per sales(Scope1・2) （actual result：2021/Mar. 0.215t-CO₂/million yen）【Target】（t-CO₂/million yen） 2025/Mar. 0.137 2026/Mar. 0.134 2027/Mar. 0.131 2028/Mar. 0.128 2029/Mar. 0.127 2030/Mar. 0.125 2031/Mar. 0.124	The company is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	The company is required to report to The Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs. By the due date of the SPTs report, the company is required to submit to The Daishi Hokuetsu Bank, in writing, materials that confirm its progress in achieving the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting, Inc.
KOYANO.ss	Manufacturing	Tsukuba Bank, Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Increase in employment of foreign nationals with specific skills （target value：433% in 2034 compared to 2023）	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
Otanitosou Inc.	Others (including service industry)	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：10.2t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　11.2t　(-4.3%) FY2024　11.1t　(-5.1%) FY2025　11.0t　(-6.0%)	Incentives such as preferential interest rates are given based on the achievement of SPTs	Emission reduction plans and reduction reports of the borrower will be published on the Kyoto Prefecture website once a year until the loan is repaid.
Agri roots	Agriculture, forestry, fishing	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per fiscal year as a percentage of sales based on the fiscal year ending February 2024.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
AI Corporation	Transportation	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Introduce at least one next-generation vehicle* each fiscal year beginning in FY2025/3 and increase the percentage of next-generation vehicles in our fleet to at least 60% by FY2029/3. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
CHUBU KOGYO CO., LTD.	Others (including service industry)	The Ogaki Kyoritsu Bank, Ltd	March, 2024	-	Rating & Investment Information, Inc.	0.1	billion yen	Reduction rate of CO₂ emissions (t-CO₂) in Scope 1 and 2 compared to FY2021: 37.6% reduction in FY2029 compared to FY2021 （actual result: FY2022 9.3%) 【Target for each fiscal year】 (reduction rate compared to FY2021） FY2023　 9.40% FY2024　14.10% FY2025　18.80% FY2026　23.50% FY2027　28.20% FY2028　32.90% FY2029　37.60%	Looking at the achievement status of the SPT each fiscal year, the applicable interest rate will be lowered if the SPT is achieved.	Chubu Kogyo shall submit a report to the Ogaki Kyoritsu Bank once a year that confirms the status of achievement of SPTs. The actual results of KPIs for each fiscal year shall be disclosed annually on its website.
NS Kouken Co. (NS光研)	Manufacturing	Kyoto Chuo Shinkin Bank	March, 2024	-	Japan Credit Rating Agency, Ltd.　※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 10.5 t）【Target】 (Figures in parentheses indicate reduction rate) FY2023　9.0t (－14.3%) FY2024　9.0t (－14.3%) FY2025　9.0t (－14.3%)	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Yamato (倭)	Real estate and construction	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions at Kyoei Kikaku, the core company of our group, by 3.85% per year based on the fiscal year ending June 30, 2023.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Japan Real Estate Investment Corporation	Finance (including REITs)	The Chugoku Bank, Ltd	March, 2024	8 years	Japan Credit Rating Agency, Ltd.	0.3	billion yen	Reduce CO₂ emissions by 80% by FY2030 (compared to FY2019, on a total amount basis)	The arrangement allows the financial characteristics to vary depending on the achievement of the SPT. The changes include a step-up/step-down in the interest rate.	It plans to disclose on an annual basis on its website the actual results of the KPIs and the achievement of the SPTs for the reporting period, as well as information on the borrower's latest sustainability strategy in relation to the KPIs and the SPTs.
Tohoku engineering plastics (東北エンジニアリングプラスチック)	Manufacturing	THE SHONAI BANK, LTD.	March, 2024	-	Rating & Investment Information, Inc.　　※	0.005	billion yen	Reduction of CO₂ emissions	The incentive design is such that when SPTs are achieved, the interest rate is reduced based on the terms of the contract. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	In principle, the borrower shall report the status of achievement of the SPTs to the branch once a year. The report should also include prima facie evidence and data necessary for verification. In principle, the contents of the reports are not disclosed to the public.
Kozui Seizai Sho (有限会社洪水製材所)	Wholesale and retail trade	Kyoto Chuo Shinkin Bank	March, 2024	-	Japan Credit Rating Agency, Ltd.　※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 19.2 t）【Target】 (Figures in parentheses indicate reduction rate) FY2023　18.8t (－4.1%) FY2024　15.8t (－19.4%) FY2025　14.3t (－27.0%)	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Fukada Co.,LTD	Others (including service industry)	The Bank of Kyoto, Ltd.	March, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：15.0t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　14.8t　(-1.3%) FY2024　14.4t　(-4.0%) FY2025　14.3t　(-4.7%)	Incentives such as preferential interest rates are given based on the achievement of SPTs	Emission reduction plans and reduction reports of the borrower will be published on the Kyoto Prefecture website once a year until the loan is repaid.
SK .,LTD	Others (including service industry)	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year from March 2023 level	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Tonan Works Ltd. (有限会社塔南製作所)	Manufacturing	Kyoto Chuo Shinkin Bank	March, 2024	-	Japan Credit Rating Agency, Ltd.　※	-	-	Reduction of CO₂ emissions from business activities (Actual emissions in base year: 79.0 t）【Target】 (Figures in parentheses indicate reduction rate) FY2023　73.1 t (-7.5%) FY2024　73.1 t (-7.5%) FY2025　73.1 t (-7.5%)	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
Abe Kenchiku Kogyo Co. (有限会社阿部建築工業)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　4.66　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
ADVANCE	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　22.3260　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　21.7232　(▲2.7%) FY2024　21.1204　(▲5.4%) FY2025　20.5176　(▲8.1%) FY2026　19.9148　(▲10.8%) FY2027　19.3120　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
AFB	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 56.352　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　53.309　(▲5.4%) FY2025　51.788　(▲8.1%) FY2026　50.266　(▲10.8%) FY2027　48.745　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Agel Corporation (アゲル)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Percentage of ZEH homes constructed (%) （actual result：FY2022　16%）【Target】 FY2024　39% FY2025　50% FY2026　60% FY2027　70%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Alps Pia Home	Real estate and construction	THE HACHIJUNI BANK,LTD.	March, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	① To increase the annual number of houses constructed to 389 by FY2027 ② Achieve a ZEH ratio of at least 80% in the number of housing units constructed in a single fiscal year (including Nearly ZEH)	Interest rates vary depending on whether the pre-set SPT is achieved or not	Alps Pia Home will report its performance and other information related to the KPIs of this loan to the Japan Environmental Co-creation Initiative through the ZEH Builder Program, which it registered in 2016, and publicize the information on its website.
BEST Medical Corporation (ＢＥＳＴメディカル)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.11	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 9.2094　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　8.9608　(▲2.7%) FY2024　8.7121　(▲5.4%) FY2025　8.4635　(▲8.1%) FY2026　8.2148　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Care Unity Medical Corporation (医療法人社団ケア・ユニティ)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 5.5676　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　5.4172　(▲2.7%) FY2024　5.2669　(▲5.4%) FY2025　5.1166　(▲8.1%) FY2026　4.9663　(▲10.8%) FY2027　4.8159　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
CARINC	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	Proportion of next-generation vehicles in sales volume （actual result：FY2022　24.09%）【Target】 FY2023 26.65% FY2024 29.21% FY2025 31.77% FY2026 34.33% FY2027 36.89%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
D.P.P. Co., Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　14.126　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Daiei Ironworks Co. (大栄鉄工所)	Manufacturing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.3	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 12.4945　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　12.1572　(▲2.7%) FY2024　11.8198　(▲5.4%) FY2025　11.4825　(▲8.1%) FY2026　11.1451　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
EMY	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3% of FY2023 level by FY2032. （actual result：FY2023 4.0672　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7% FY2025　▲5.4% FY2026　▲8.1% FY2027　▲10.8% FY2028　▲13.5% FY2029　▲16.2% FY2030　▲18.9% FY2031　▲21.6% FY2032　▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Flutie Bridge Japan Co. (フルーティーブリッジ・ジャパン)	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 6.2824　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　5.9431　(▲5.4%) FY2025　5.7735　(▲8.1%) FY2026　5.6039　(▲10.8%) FY2027　5.4343　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Fujie Wood Works Co. (藤江木工所)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2023 17.8990　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　17.4158　(▲2.7%) FY2025　16.9325　(▲5.4%) FY2026　16.4492　(▲8.1%) FY2027　15.9659　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
GSB-C	Transportation	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 137.463　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　133.751　(▲2.7%) FY2024　130.040　(▲5.4%) FY2025　126.328　(▲8.1%) FY2026　122.617　(▲10.8%) FY2027　118.905　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Hatch Out	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3% of FY2022 level by FY2031. （actual result：FY2023　17.654 t-CO₂/100 million yen) 【Target for each fiscal year】 FY2024　▲2.7% FY2025　▲5.4% FY2026　▲8.1% FY2027　▲10.8% FY2028　▲13.5% FY2029　▲16.2% FY2030　▲18.9% FY2031　▲21.6% FY2032　▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Heart Hikkoshi Center Co., Ltd.	Transportation	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.18	billion yen	SPT①：Increase the percentage of environmentally friendly vehicles in the fleet to 100% by the end of FY2032 （actual result：FY2022　 67.99%）【Target for each fiscal year】 FY2023　71.22 % FY2024　74.45 % FY2025　77.68 % FY2026　80.91 % FY2027　84.14 % FY2028　87.37 % FY2029　90.60 % FY2030　93.83 % FY2031　97.06 % FY2032　100.00% SPT②：Increase the number of environmentally friendly vehicles in our fleet to 478 or more by the end of 2032 （actual result：FY2022　325 cars）【Target for each fiscal year】 FY2023　341 cars FY2024　356 cars FY2025　372 cars FY2026　387 cars FY2027　403 cars FY2028　418 cars FY2029　434 cars FY2030　449 cars FY2031　464 cars FY2032　478 cars	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
imayama co.,Ltd.	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 5.6233　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　5.4715　(▲2.7%) FY2024　5.3197　(▲5.4%) FY2025　5.1679　(▲8.1%) FY2026　5.0160　(▲10.8%) FY2027　4.8642　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Implot Agent.	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 4.8817　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　4.6181　(▲5.4%) FY2025　4.4863　(▲8.1%) FY2026　4.3545　(▲10.8%) FY2027　4.2226　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Isotani Interior Design Inc. (礒谷内装)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　 10.5738　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　10.2883　(▲2.7%) FY2024　10.0028　(▲5.4%) FY2025　9.7173　(▲8.1%) FY2026　9.4318　(▲10.8%) FY2027　9.1463　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Ito Shoten Co. (井東商店)	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　 41.8368　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　39.5777　(▲5.4%) FY2025　38.4481　(▲8.1%) FY2026　37.3185　(▲10.8%) FY2027　36.1889　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
IZUMIYA Co.,LTD.	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　 20.8346　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　20.2720　(▲2.7%) FY2024　19.7095　(▲5.4%) FY2025　19.1470　(▲8.1%) FY2026　18.5844　(▲10.8%) FY2027　18.0219　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
JECT ONE CO.,LTD.	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduction of CO₂ emissions per 100 million yen in sales from its own business activities	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Johoku Kogyo Co. (城北工業)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 5.4711　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　5.3234　(▲2.7%) FY2024　5.1756　(▲5.4%) FY2025　5.0279　(▲8.1%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
KANKIKU MEIJYO.	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲18.9% of FY2023 level by FY2030. （actual result：FY2023　56.5697　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7% FY2025　▲5.4% FY2026　▲8.1% FY2027　▲10.8% FY2028　▲13.5% FY2029　▲16.2% FY2030　▲18.9%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kasei Work Assist Co. (加勢ワークアシスト)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2023 13.5063　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023) FY2024　13.1416　(▲2.7%) FY2025　12.7770　(▲5.4%) FY2026　12.4123　(▲8.1%) FY2027　12.0476　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
KEIYO-KOUSAN Co.,Ltd.	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 21.4652　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　20.8857　(▲2.7%) FY2024　20.3061　(▲5.4%) FY2025　19.7266　(▲8.1%) FY2026　19.1470　(▲10.8%) FY2027　18.5674　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kemigawa Reform Kogyo Co. (検見川リフォーム工業)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 14.6273　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　14.2324　(▲2.7%) FY2024　13.8374　(▲5.4%) FY2025　13.4425　(▲8.1%) FY2026　13.0476　(▲10.8%) FY2027　12.6526　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kimura Welding Industry Co. (有限会社木村溶接工業)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2021 38.0118　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2021） FY2023　22.4795 （▲40.86%） FY2024　22.0888 （▲41.89%） FY2025　21.6982 （▲42.92%） FY2026　21.3076 （▲43.94%）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kohzankai Medical Corporation (医療法人社団晃山会)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.15	billion yen	Reduce CO₂ emissions per hospital bed to ▲13.5% of FY2022 by FY2027 （actual result：FY2022　3.0832　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Komejirushi Corporation (米印)	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.16	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　487.88　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
kowagishi Labolatory Co.,Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　18.589　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kyoei Kogyo Co. (共栄工業)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.18	billion yen	Reduce CO₂ emissions of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　2.8903　t-CO₂）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kyoei Land Co. (共栄土地)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　26.3620　t-CO₂）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
LAGOM	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 25.1743　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　24.4946　(▲2.7%) FY2024　23.8149　(▲5.4%) FY2025　23.1352　(▲8.1%) FY2026　22.4555　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
LEALE,Inc.	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	-	-	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 1.8658　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　1.8154　(▲2.7%) FY2024　1.7651　(▲5.4%) FY2025　1.7147　(▲8.1%) FY2026　1.6643　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
LEETECX Inc.	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 13.9287　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　13.5526　(▲2.7%) FY2024　13.1765　(▲5.4%) FY2025　12.8005　(▲8.1%) FY2026　12.4244　(▲10.8%) FY2027　12.0483　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
LifeLine CORPORATION	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3% of FY2022 level by FY2031. （actual result：FY2022　 13.3210 t-CO₂/100 million yen) 【Target for each fiscal year】 FY2023 ▲2.7% FY2024 ▲5.4% FY2025 ▲8.1% FY2026 ▲10.8% FY2027 ▲13.5% FY2028 ▲16.2% FY2029 ▲18.9% FY2030 ▲21.6% FY2031 ▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
LINER Advertising Inc. (ＬＩＮＥＲ広告社)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.12	billion yen	SPT①：Increase the percentage of environmentally friendly vehicles in the fleet to 43.84% or more by the end of FY2032 （actual result：FY2022　43.84%）【Target for each fiscal year】 FY2023　14.77% FY2024　18.00% FY2025　21.23% FY2026　24.46% FY2027　27.69% FY2028　30.92% FY2029　34.15% FY2030　37.38% FY2031　40.61% FY2032　43.84% SPT②：Increase the number of environmentally friendly vehicles in our fleet to 23 or more by the end of 2032 （actual result：FY2022　6 cars）【Target for each fiscal year】 FY2023　8 cars FY2024　10 cars FY2025　12 cars FY2026　13 cars FY2027　15 cars FY2028　17 cars FY2029　18 cars FY2030　20 cars FY2031　22 cars FY2032　23 cars	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Medical Corporation Fussa Kai (医療法人社団福生会)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 799.50　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2024　756.33　(▲5.4%) FY2025　734.74　(▲8.1%) FY2026　713.15　(▲10.8%) FY2027　691.57　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Medical Corporation Hikari Dental Clinic (医療法人社団ひかり歯科クリニック)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.13	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　12.8995　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Meiseikai Medical Corporation (医療法人明星会)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.11	billion yen	Reduce CO₂ emissions to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　575.496　t-CO₂）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Mizuho Trust & Banking Co., Ltd.	March, 2024	9 years	Rating & Investment Information, Inc.	0.06	billion yen	Reduce CO₂ emissions intensity of logistics real estate (Scope 1 and 2) by 100% from 2016 levels by the end of 2030	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsuwa Corporation (みつわ)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　98.839　t-CO₂）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Mizoguchi Farm Corporation (ミゾグチファーム)	Agriculture, forestry, fishing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 24.6337　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　23.9685　(▲2.7%) FY2024　23.3034　(▲5.4%) FY2025　22.6383　(▲8.1%) FY2026　21.9732　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
MORISHOJI.CO., LTD.	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 423.49　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　412.06　(▲2.7%) FY2024　400.62　(▲5.4%) FY2025　389.19　(▲8.1%) FY2026　377.75　(▲10.8%) FY2027　366.32　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Morral Co., Ltd.	Manufacturing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3% of FY2023 level by FY2032. （actual result：FY2023 　33.843　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7% FY2025　▲5.4% FY2026　▲8.1% FY2027　▲10.8% FY2028　▲13.5% FY2029　▲16.2% FY2030　▲18.9% FY2031　▲21.6% FY2032　▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Musashi Corporation (武蔵コーポレーション)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.18	billion yen	CO₂ emissions per 100 million yen of group sales (t-CO₂/100 million yen) （actual result：FY2022　0.68466　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　0.66618　(▲2.7%) FY2024　0.64769　(▲5.4%) FY2025　0.62921　(▲8.1%) FY2026　0.61072　(▲10.8%) FY2027　0.59223　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Mutsumi Sangyo Co. (むつみ産業)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 106.319　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　103.449　(▲2.7%) FY2024　100.578　(▲5.4%) FY2025　97.707　(▲8.1%) FY2026　94.837　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
My Home Techno Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 3.4769　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　3.383　(▲2.7%) FY2024　3.2891　(▲5.4%) FY2025　3.1952　(▲8.1%) FY2026　3.1014　(▲10.8%) FY2027　3.0075　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
MYCOM	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.2	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 83.2745　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　81.0261　(▲2.7%) FY2024　78.7777　(▲5.4%) FY2025　76.5293　(▲8.1%) FY2026　74.2808　(▲10.8%) FY2027　72.0324　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Nagashima Chemical Industry Incorporated	Manufacturing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 1t recycled amount（t-CO₂/t）（actual result：FY2022 180.806　t-CO₂/t）【Target for each fiscal year】 (t-CO₂/t、figures in parentheses indicate reduction rate compared to FY2022) FY2023　175.924　(▲2.7%) FY2024　171.042　(▲5.4%) FY2025　166.161　(▲8.1%) FY2026　161.279　(▲10.8%) FY2027　156.397　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Nakagawa Corporation (中川)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 9.9075　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　9.6400　(▲2.7%) FY2024　9.3725　(▲5.4%) FY2025　9.1050　(▲8.1%) FY2026　8.8375　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Network D Corporation	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 18.0788　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　17.5906　(▲2.7%) FY2024　17.1025　(▲5.4%) FY2025　16.6144　(▲8.1%) FY2026　16.1263　(▲10.8%) FY2027　15.6381　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
NEXT Co., Ltd.	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　108.303　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Nippon trading co. (日本貿易)	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3% of FY2022 level by FY2031. （actual result：FY2022　3.4523 t-CO₂/100 million yen) 【Target for each fiscal year】 FY2023 ▲2.7% FY2024 ▲5.4% FY2025 ▲8.1% FY2026 ▲10.8% FY2027 ▲13.5% FY2028 ▲16.2% FY2029 ▲18.9% FY2030 ▲21.6% FY2031 ▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Okabayashi Turigu.	Wholesale and retail trade	The Hyakujushi Bank, Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Percentage reduction in electricity consumption at two retail stores compared to the base year (December 2022 to November 2023) Dec. 2023 - Nov. 2024 ▲3.6% Dec. 2024 - Nov. 2025 ▲7.0% Dec. 2025 - Nov. 2026 ▲10.3% Dec. 2026 - Nov. 2027 ▲13.5%	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Otsu-Medical Co.Ltd.	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.15	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 3.2125　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　3.1257　(▲2.7%) FY2024　3.0390　(▲5.4%) FY2025　2.9523　(▲8.1%) FY2026　2.8655　(▲10.8%) FY2027　2.7788　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
PONETEC,CO.,LTD.	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 1.5722　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　1.5297　(▲2.7%) FY2024　1.4873　(▲5.4%) FY2025　1.4448　(▲8.1%) FY2026　1.4024　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Project M Corporation (プロジェクトＭ)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.15	billion yen	Reduction rate of food waste generation (%) （actual result：FY2023 Amount of food waste generated by the izakaya "Yotteba" operated by the company 1,014.06 ㎏）【Target for each fiscal year】（compared to FY2023） FY2024▲1.7% FY2025▲3.4% FY2026▲5.1% FY2027▲6.8%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
REAL CUBE Inc.	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2023 0.2450　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023） FY2024　0.2384　(▲2.7%) FY2025　0.2318　(▲5.4%) FY2026　0.2252　(▲8.1%) FY2027　0.2186　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
RK Logistic Co. (ＲＫ・ロジスティック)	Transportation	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　124.0501　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Salon Navi Corporation (サロンナビ)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2023 2.2155　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023) FY2024　2.1557　(▲2.7%) FY2025　2.0959　(▲5.4%) FY2026　2.0361　(▲8.1%) FY2027　1.9762　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Sanwa Kogyosho Corporation (三和工業所)	Manufacturing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) 【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2024　52.427　(▲5.4%) FY2025　50.931　(▲8.1%) FY2026　49.435　(▲10.8%) FY2027　47.938　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Seiwa Bussan Corporation (正和物産)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲16.2% of FY2023 level by FY2029. （actual result：FY2023　44.6219　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7% FY2025　▲5.4% FY2026　▲8.1% FY2027　▲10.8% FY2028　▲13.5% FY2029　▲16.2%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Sekiguchi corporation (セキグチ)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 34.3328　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　33.4058　(▲2.7%) FY2024　32.4789　(▲5.4%) FY2025　31.5519　(▲8.1%) FY2026　30.6249　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Service (セルビス)	Wholesale and retail trade	The Gunma Bank,Ltd.	March, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year from February 2024 level	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
SHIMAYOSHI (シマヨシ)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.19	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　 12.6516　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Shin Nihon Sanki Co. (新日本三喜)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	SPT① Reduce CO₂ emissions to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022 27.7667　t-CO₂）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0% SPT② Increase the cumulative power generation capacity of solar power generation equipment to 237,173kW by the end of FY2032 （actual result：until the end of September 2023 123,784kW）【Target for each fiscal year】 FY2023 135,122 kW FY2024 146,461 kW FY2025 157,800 kW FY2026 169,139 kW FY2027 180,478 kW FY2028 191,817 kW FY2029 203,156 kW FY2030 214,495 kW FY2031 225,834 kW FY2032 237,173 kW	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Shinei Sangyo Co. (有限会社新栄産業)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　20.9495　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SHINSHOWA CORPORATION	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Cumulative power generation capacity of self-consumption solar power generation equipment constructed by the company (kW) 【Target】 FY2024 1932.64 kW FY2025 3432.64 kW FY2026 5432.64 kW FY2027 8132.64 kW	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Shintomi Iron Manufacturing Co., Ltd.	Manufacturing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.436	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　13.4773　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Shinwa SHOJI Co.,Ltd.	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 27.623　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　26.877　(▲2.7%) FY2024　26.132　(▲5.4%) FY2025　25.386　(▲8.1%) FY2026　24.640　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SHIRASAKA	Energy	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Cumulative power generation capacity of self-consumption solar power generation equipment constructed by the company (kW) （actual result：FY2023 40,021kw）【Target】 FY2024 43,687 kw FY2025 47,353 kw FY2026 51,019 kw FY2027 54,685 kw FY2028 58,351 kw FY2029 62,017 kw FY2030 65,683 kw FY2031 69,349 kw FY2032 73,015 kw	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Smart Housing Co. (スマートハウジング)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.231	billion yen	Reduce CO₂ emissions per employee (full-time employee) to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　2.7629 t-CO₂/人）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SODEN Inc.	Electronic components, devices, information equipment, etc.	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Increase the cumulative number of EV charging equipment constructed by the company to 8,789 or more by the end of FY2027. 【Target for each fiscal year】 FY2023　368 units FY2024　1886 units FY2025　3838 units FY2026　6282 units FY2027　8789 units	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Sugawara Gikan Co. (菅原技官)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.15	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3% of FY2023 level by FY2032. （actual result：FY2023 　9.7431　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7% FY2025　▲5.4% FY2026　▲8.1% FY2027　▲10.8% FY2028　▲13.5% FY2029　▲16.2% FY2030　▲18.9% FY2031　▲21.6% FY2032　▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Sun Village Corporation (サンヴィレッジ)	Energy	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.3	billion yen	Cumulative power generation capacity (MW) of solar power generation equipment constructed by the company (MW) 【Target】 FY2024　130MW FY2025 165MW	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SUNRISE CORPORATION.	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2023 6.5504　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2023) FY2024　6.3735　(▲2.7%) FY2025　6.1967　(▲5.4%) FY2026　6.0198　(▲8.1%) FY2027　5.8430　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
TAIKI-RealEstate inc.	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 16.501　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　16.055　(▲2.7%) FY2024　15.610　(▲5.4%) FY2025　15.164　(▲8.1%) FY2026　14.719　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Tensan Corporation (テンサン)	Manufacturing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.27	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 14.9680　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　14.5638　(▲2.7%) FY2024　14.1597　(▲5.4%) FY2025　13.7555　(▲8.1%) FY2026　13.3514　(▲10.8%) FY2027　12.9473　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
TOKATSU Memory, Ltd. (有限会社東葛メモリー)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 24.5609　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　23.2346　(▲5.4%) FY2025　22.5715　(▲8.1%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Tokyo Reikaki Kogyo Co. (東京冷化機工業)	Manufacturing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 16.1351　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2024　15.2638　(▲5.4%) FY2025　14.8281　(▲8.1%) FY2026　14.3925　(▲10.8%) FY2027　13.9569　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Trust Home Co.,Ltd.	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　0.6755　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Tuna Supply Co. (ツナサプライ)	Wholesale and retail trade	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2023 0.28096　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2023) FY2024　0.27337　(▲2.7%) FY2025　0.26579　(▲5.4%) FY2026　0.25820　(▲8.1%) FY2027　0.25061　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
UNION TEC CO., LTD	Manufacturing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 68.335　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　66.49　(▲2.7%) FY2024　64.645　(▲5.4%) FY2025　62.800　(▲8.1%) FY2026　60.954　(▲10.8%) FY2027　59.109　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Watanabe Reishoku Co. Ltd.	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.5	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲18.9% of FY2022 level by FY2029. （actual result：FY2022 21.2725　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
WAYO CO.,LTD.	Manufacturing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 5.455　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　5.308　(▲2.7%) FY2024　5.16　(▲5.4%) FY2025　5.013　(▲8.1%) FY2026　4.866　(▲10.8%) FY2027　4.718　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yamani Forest Products Co. (山二林産)	Agriculture, forestry, fishing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.16	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022 30.401　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yamashira Sangyo Co. (山白産業)	Others (including service industry)	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 106.463　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　103.589　(▲2.7%) FY2024　100.714　(▲5.4%) FY2025　97.840　(▲8.1%) FY2026　94.965　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yamasho Co.,LTD.	Agriculture, forestry, fishing	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.12	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 184.811　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　179.821　(▲2.7%) FY2024　174.831　(▲5.4%) FY2025　169.841　(▲8.1%) FY2026　164.851　(▲10.8%) FY2027　159.861　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yamasuzu Transportation Co. (山鈴運輸)	Transportation	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.13	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022 236.3902　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yo kawara kogyo (楊瓦工業)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 17.1906　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　17.4158　(▲2.7%) FY2024　16.9325　(▲5.4%) FY2025　16.4492　(▲8.1%) FY2026　15.9659　(▲10.8%) FY2027　15.9659　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
YOSHIMITSU CONSTRUCTION	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022 12.8951　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　12.5469　(▲2.7%) FY2024　12.1988　(▲5.4%) FY2025　11.8506　(▲8.1%) FY2026　11.5024　(▲10.8%) FY2027　11.1543　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yushin Corporation (友心)	Real estate and construction	The Chiba Bank, Ltd.	March, 2024	-	Chibagin Research Institute Corporation	0.1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022 72.4344　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kantobutsuryu Ltd.	Transportation	Tsukuba Bank, Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduction of CO₂ emissions from vehicles 【Target】 46% reduction in 2028 (410.4 t-CO₂ reduction) (compared to 2023)	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
Azami growing farm (あざみ育成場)	Food, Beverages, Tobacco, etc.	The Gunma Bank,Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions as a percentage of sales by 2.7% each fiscal year, starting in September 2024.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
East Japan Engineering (東日本エンジニアリング)	Others (including service industry)	THE SHONAI BANK, LTD.	February, 2024	-	Rating & Investment Information, Inc.※	0.15	billion yen	Improvement of paid leave utilization rate	The incentive design is such that when SPTs are achieved, the interest rate is reduced based on the terms of the contract. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	In principle, the borrower shall report the status of achievement of the SPTs to the branch once a year. The report should also include prima facie evidence and data necessary for verification. In principle, the contents of the reports are not disclosed to the public.
Fujio nuts farm (フジオナッツファーム)	Food, Beverages, Tobacco, etc.	The Hiroshima Bank, Ltd.	February, 2024	7 years	HIROGIN area design Co. Ltd.	0.04	billion yen	①Male employees taking maternity leave 2023/August Actual result　100% 2024/August～2031/August　100% ②Percentage of employees taking annual paid leave 2023/August Actual result 17.2% 2024/August　20% 2025/August　25% 2026/August　30% 2027/August　40% 2028/August　50% 2029/August　60% 2030/August　70% 2031/August　70% ③Number of employees with disabilities 2023/August Actual result　1 person 2024/August～2031/August　　1 person/each FY	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
Gebura (ゲブラ)	Others (including service industry)	The Hiroshima Bank, Ltd.	February, 2024	6 years	HIROGIN area design Co. Ltd.	0.15	billion yen	Increase in utilization of reused cups Year 1 (2025/June) 1% Year 2 (2026/June) 3% Year 3 (2027/June) 5% Year 4 (2028/June) 10% Year 5 (2029/June) 20% Year 6 (2030/June) 30%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
IGUCHI ISSEI CO. LTD.	Others (including service industry)	The Gunma Bank,Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year based on March 31, 2023	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Industrial & Infrastructure Fund Investment Corporation	Finance (including REITs)	The Norinchukin Bank	February, 2024	8 years	Rating & Investment Information, Inc.　※	3	billion yen	Reduce GHG emissions (Scope 1+2) by 42% by 2030 (compared to 2021)	The SPTs are checked annually for achievement, and the incentive design is such that upon achievement, the interest rate is reduced for the next applicable interest rate period. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is returned to its initial level.	Over the term of the loan, the borrower shall report annually to the front office of The Norinchukin Bank on reports describing the status of achievement of SPTs and the results of verification regarding the actual performance of KPIs, in accordance with the terms and conditions of the Agreement on the Norinchukin SLL.
Industrial & Infrastructure Fund Investment Corporation	Finance (including REITs)	The Norinchukin Bank	February, 2024	9 years	Rating & Investment Information, Inc.　※	4	billion yen	Reduce GHG emissions (Scope 1+2) by 42% by 2030 (compared to 2021)	The SPTs are checked annually for achievement, and the incentive design is such that upon achievement, the interest rate is reduced for the next applicable interest rate period. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is returned to its initial level.	Over the term of the loan, the borrower shall report annually to the front office of The Norinchukin Bank on reports describing the status of achievement of SPTs and the results of verification regarding the actual performance of KPIs, in accordance with the terms and conditions of the Agreement on the Norinchukin SLL.
Industrial & Infrastructure Fund Investment Corporation	Finance (including REITs)	The Norinchukin Bank	February, 2024	10 years	Rating & Investment Information, Inc.　※	3	billion yen	Reduce GHG emissions (Scope 1+2) by 42% by 2030 (compared to 2021)	The SPTs are checked annually for achievement, and the incentive design is such that upon achievement, the interest rate is reduced for the next applicable interest rate period. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is returned to its initial level.	Over the term of the loan, the borrower shall report annually to the front office of The Norinchukin Bank on reports describing the status of achievement of SPTs and the results of verification regarding the actual performance of KPIs, in accordance with the terms and conditions of the Agreement on the Norinchukin SLL.
JYOYO MAINTENANCE CO.,LTD.	Others (including service industry)	Tsukuba Bank, Ltd.	February, 2024	-	Rating & Investment Information, Inc.※	-	-	Increase in the percentage of next-generation vehicles in sales fleet（KPI）【Target】2031 73% increase (compared to 2024)	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
KI-STAR Real Estate Co., Ltd.	Real estate and construction	THE SHIGA BANK，LTD．	February, 2024	-	Rating & Investment Information, Inc.	-	-	① Reduce GHG emissions (Scope 1 + Scope 2) intensity of buildings sold by 33.6% in FY2030 compared to FY2022 (year ending March 31, 2023). ② Reduce GHG emissions (Scope 3 (Category 11)) intensity of buildings sold by 29.6% in FY2030 compared to FY2022 (year ending March 31, 2023).	At the time of the loan agreement, the loan holder chooses between a donation to a qualified donor if one of the SPTs is not achieved, or a reduction in the loan interest rate if both are achieved.	Report annually to lenders on the status of achievement of SPTs and post on its website.
Komatsu sharyo industry (小松車輌工業)	Others (including service industry)	The Gunma Bank,Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year from June 2023 level	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
KURABO INDUSTRIES LTD.	Manufacturing	The Hyakujushi Bank, Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduction of the Kurabo Group's CO₂ emissions in Scope 1 and Scope 2	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
MUGEN ESTATE Co., Ltd.	Real estate and construction	The Gunma Bank,Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions per 100 million yen of consolidated net sales by 5.1% per year, starting from the FY2021/12 baseline.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Nakatsuyama Netsusyori Co., Ltd	Manufacturing	Daishi Hokuetsu Bank, Ltd	February, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	billion yen	Sales amount of carbonized fibers	In principle, a mechanism has been set up to check the achievement status of the SPT on an annual basis and reduce the interest rate according to the level of achievement.	Once a year, Daishi Hokuetsu Research & Consulting will report on the status of SPT achievement based on client information. Disclosure of the reporting information is at the discretion of the client.
Osawa (オオサワ)	Others (including service industry)	The Gunma Bank,Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Introduce at least one next-generation vehicle* each year and achieve a 50% introduction rate. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Seimo yakuhin (西毛薬品)	Wholesale and retail trade	The Gunma Bank,Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Introduce at least one next-generation vehicle* each year and achieve a 50% introduction rate. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
TAISEI CORPORATION	Real estate and construction	The Bank of Yokohama,Ltd.	February, 2024	-	Rating & Investment Information, Inc.	-	-	Achieve a Leadership Level (A, A-) on the CDP Climate Change Score	The SPT is designed to check the achievement of the SPT each year after FY2023, increasing the interest rate if the SPT is not achieved and subsequently reducing it to the original rate if it is achieved.	The results of the evaluation of the CDP Climate Change Score, a KPI, will be disclosed once a year on the CDP's website. Upon receipt of such disclosure, TAISEI CORPORATION will notify the lender of the achievement status of the SPT by the end of the month following the disclosure each year.
TAISEI CORPORATION	Real estate and construction	Development Bank of Japan Inc.	February, 2024	-	Rating & Investment Information, Inc.	-	-	Achieve a Leadership Level (A, A-) on the CDP Climate Change Score	It is designed to check the achievement of the SPT based on the actual KPI performance in FY2026 and, if achieved, to reduce the interest rate from then on until repayment.	The results of the evaluation of the CDP Climate Change Score, a KPI, will be disclosed once a year on the CDP's website. Upon receipt of such disclosure, TAISEI CORPORATION will notify the lender of the achievement status of the SPT by the end of the month following the disclosure each year.
Terra.Co.,Ltd	Wholesale and retail trade	The Gunma Bank,Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	From FY2024/3 onward, introduce at least one next-generation vehicle* per quarter and maintain an introduction rate of at least 85%. *Next-generation vehicles include fuel cell vehicles, electric vehicles, natural gas vehicles, hybrid vehicles, plug-in hybrid vehicles, and clean diesel vehicles.	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Tierra (ティエラ)	Others (including service industry)	The Hiroshima Bank, Ltd.	February, 2024	5 years	HIROGIN area design Co. Ltd.	0.04	billion yen	①Percentage of employees taking annual paid leave 2023/March Actual result 76.02% 2025/March 80% 2026/March 83.30% 2027/March 86.60% 2028/March 90% ②Male employees taking maternity leave 2023/March Actual result 　0% 2025/March～2028/March 100%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
Toatsu (東圧)	Real estate and construction	North Pacific Bank,Ltd.	February, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	Number of pressure welding locations using the "polymer natural gas pressure welding method (EcoSpeed method)," an environmentally friendly method of welding reinforcing steel bars. 【Target for each fiscal year】 FY2024：79,000 locations FY2025：86,000 locations FY2026：93,000 locations FY2027：101,000 locations	Interest rates vary depending on whether the pre-set SPT is achieved or not	It plans to report to The North Pacific Bank at least once a year in writing or on its website regarding its performance in relation to the KPIs of the Loan. At that time, it plans to obtain third-party verification of SPT performance from an external institution and report the details of such verification as well.
TOKYU CORPORATION	Transportation	TAIYO LIFE INSURANCE COMPANY	February, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	Reduce CO₂ emissions of Tokyu Corporation and its consolidated subsidiaries (on a total volume basis, Scope 1&2) by 46.2% in FY2030 (compared to FY2019)	Preferential interest rate spread based on SPT achievement	Tokyu plans to disclose to investors the progress of KPI performance after the end of each fiscal year. Tokyu plans to obtain an independent third-party assurance report on the progress of the SPT at least once a year until the date of determination, and report it on the Tokyu website or to the lender.
TSUCHIYA HOLDINGS CO.,LTD.	Real estate and construction	THE HOKKAIDOBANK,LTD.、The Hokuriku Bank, Ltd.	February, 2024	-	Rating & Investment Information, Inc.	1	billion yen	ZEH ratio to be 95% in Hokkaido and 70% in Honshu by FY2025.	The design is to reduce the interest rate if the SPTs are achieved.	Tsuchiya Holdings will submit a document confirming the achievement of SPTs to the lender once a year. The actual performance values of KPIs for each fiscal year will also be disclosed on the website.
Tsujimura Construction CO.LTD	Manufacturing	The Hyakujushi Bank, Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Ratio of recycled product sales volume to total sales volume	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
YONKEN-Plant Co., Ltd.	Others (including service industry)	The Hyakujushi Bank, Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Annual gasoline consumption per unit of sales (gasoline consumption (L)/Net sales) 2024/Oct. 0.0156 2025/Oct. 0.0140	A mechanism has been set up to check the achievement status of SPTs on an annual basis in principle, and to reduce interest rates according to the level of achievement.	Annually, until the fulfillment of obligations is completed, the status of achievement of SPTs will be checked in the prescribed form.
Eikyu (栄久)	Others (including service industry)	The Gunma Bank,Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year from June 2023 level	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
Fuyo General Lease Co., Ltd.	Finance (including REITs)	(Arranger:MUFG Bank, Ltd.）The Ashikaga Bank, Ltd.,The Bank of Okinawa, Ltd, THE SAN-IN GODO BANK,LTD., The Hachijuni Bank,Ltd., MUFG Bank, Ltd.	February, 2024	5 years	Rating & Investment Information, Inc.	35	billion yen	(1) CO₂ reduction contribution in FY2025 (year ending March 31, 2026): 420,000 t-CO₂/year or more (2) Human resource development-related expenses (non-consolidated) in FY2025 (fiscal year ending March 31, 2026) will be 263% or more of the FY2021 level.	(1) Step up/down of interest rate (2) Donation	Fuyo General Lease plans to announce or disclose the following information to lenders on its website on an annual basis. - Latest actual results related to KPIs - Progress on SPTs - Information on the issuer's latest sustainability strategy related to the KPIs and SPTs - If SPTs have not been achieved and donations have been made, the recipients of the donations, the amount of the donations, and the timing of the donations
TAISEI CORPORATION	Real estate and construction	Resona Bank,Ltd.	February, 2024	-	Rating & Investment Information, Inc.	-	-	Achieve a Leadership Level (A, A-) on the CDP Climate Change Score	It is designed to check the achievement of the SPT based on the actual KPI performance in FY2026 and, if achieved, to reduce the interest rate from then on until repayment.	The results of the evaluation of the CDP Climate Change Score, a KPI, will be disclosed once a year on the CDP's website. Upon receipt of such disclosure, TAISEI CORPORATION will notify the lender of the achievement status of the SPT by the end of the month following the disclosure each year.
TAISEI CORPORATION	Real estate and construction	MUFG Bank, Ltd.	February, 2024	-	Rating & Investment Information, Inc.	-	-	Achieve a Leadership Level (A, A-) on the CDP Climate Change Score	It is designed to check the achievement of the SPT based on the actual KPI performance in FY2026 and, if achieved, to reduce the interest rate from then on until repayment.	The results of the evaluation of the CDP Climate Change Score, a KPI, will be disclosed once a year on the CDP's website. Upon receipt of such disclosure, TAISEI CORPORATION will notify the lender of the achievement status of the SPT by the end of the month following the disclosure each year.
TAISEI CORPORATION	Real estate and construction	Sumitomo Mitsui Trust Bank, Limited	February, 2024	-	Rating & Investment Information, Inc.	-	-	Achieve a Leadership Level (A, A-) on the CDP Climate Change Score	The SPT is designed to check the achievement of the SPT each year after FY2024, increasing the interest rate if the SPT is not achieved and subsequently reducing it to the original rate if it is achieved.	The results of the evaluation of the CDP Climate Change Score, a KPI, will be disclosed once a year on the CDP's website. Upon receipt of such disclosure, TAISEI CORPORATION will notify the lender of the achievement status of the SPT by the end of the month following the disclosure each year.
TAISEI CORPORATION	Real estate and construction	The Norinchukin Bank	February, 2024	-	Rating & Investment Information, Inc.	-	-	Achieve a Leadership Level (A, A-) on the CDP Climate Change Score	The SPT is designed to check the achievement of the SPT each year after FY2024, increasing the interest rate if the SPT is not achieved and subsequently reducing it to the original rate if it is achieved.	The results of the evaluation of the CDP Climate Change Score, a KPI, will be disclosed once a year on the CDP's website. Upon receipt of such disclosure, TAISEI CORPORATION will notify the lender of the achievement status of the SPT by the end of the month following the disclosure each year.
Chimura (ちむら)	Food, Beverages, Tobacco, etc.	THE TOTTORI BANK, LTD	February, 2024	-	Rating & Investment Information, Inc.　※	-	-	Reduction in the number of products discarded	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
KANKYO　STATION　CORPORATION	Real estate and construction	The Gunma Bank,Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year from the FY2023/12 baseline	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
RICOH LEASING COMPANY, LTD.	Finance (including REITs)	The Chiba Bank, Ltd.、The Chugoku Bank, Ltd、THE SHIGA BANK，LTD．（Co-financing through individual contracts）	February, 2024	-	Rating & Investment Information, Inc.	-	-	Maintain Leadership Level (A, A-) on CDP Climate Change Score	Funding interest rate terms and conditions are linked to Ricoh Leasing's achievement of SPT, which acts as an incentive to achieve SPT.	Ricoh Leasing discloses the KPI scores as of the last day of each fiscal year (March 31) and information that may affect the achievement of the SPT (e.g., setting and updating sustainability strategies, formulating and implementing the action plan, etc.) as environmental and social activity results on its website annually.
JA MITSUI LEASING, LTD.	Finance (including REITs)	The Chukyo Bank, Ltd	February, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	① Targets for each fiscal year from FY2025 onward for cumulative renewable energy-related investments and loans by the company and its Group companies to reach 500 billion yen in FY2030 (Actual result: 56 billion yen in FY2021) 【Targets】 FY2025: 250 billion yen FY2026: 300 billion yen FY2027: 350 billion yen FY2028: 400 billion yen FY2029: 450 billion yen FY2030: 500 billion yen ②Targets for each fiscal year after FY2025 (compared to FY2021) for a 50% reduction in greenhouse gas emissions (Scope 1 and Scope 2) by FY2030 for the Company and domestic Group companies 【Targets】 FY2025 40% FY2026 42% FY2027 44% FY2028 46% FY2029 48% FY2030 50%	Arrangements are in place to change financial characteristics based on the achievement of SPTs.	Information that may affect KPI performance/SPTs achievement and details of emission credits purchased or donated, reported only to the loan lender
Japan Investment Adviser Co., Ltd.	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	February, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	-	-	Ratio of female managers to be 15.0% or more by the end of March 2024, and 20.0% or more by the end of March 2025.	Japan Investment Adviser is required to report in writing to Daishi Hokuetsu Bank by the reporting deadline on its progress in meeting the SPTs. If Daishi Hokuetsu Bank confirms that it has met the target figures, the interest rate applicable to the loan period will be reduced.	Japan Investment Adviser is required to report to Daishi Hokuetsu Bank once a year on the status of its achievement of the SPTs, and to submit to Daishi Hokuetsu Bank in writing by the SPTs reporting deadline materials that confirm its achievement of the SPTs, after verification by an independent third party, Daishi Hokuetsu Research & Consulting.
SEIBU RAILWAY Co., Ltd.	Transportation	Development Bank of Japan Inc.	February, 2024	-	-	110	billion yen	Reduce Seibu Railway's CO₂ emissions (Scope 1 and 2) by at least 46% in FY2030 compared to FY2018	SPT achievement status is linked to lending conditions, etc.	An update on the progress and achievement of performance related to the SPT will be reported to the DBJ on an annual basis.
Sugitec Ltd. (有限会社スギテック)	Others (including service industry)	The Bank of Kyoto, Ltd.	February, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：14.6t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　14.0t　(-4.1%) FY2024　13.9t　(-4.8%) FY2025　13.8t　(-5.5%)	Incentives such as preferential interest rates are given based on the achievement of SPTs	Emission reduction plans and reduction reports of the borrower will be published on the Kyoto Prefecture website once a year until the loan is repaid.
Sugaya Shoji (有限会社　菅谷商事)	Agriculture, forestry, fishing	Tsukuba Bank, Ltd.	February, 2024	-	Rating & Investment Information, Inc.　※	-	-	Reduction of fuel consumption as percentage of sales（KPI）【Target】2030　13.19%（reduction rate 46%）	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
HOKURIKU ELECTRIC INDUSTRY CO., LTD.	Electronic components, devices, information equipment, etc.	The Hokuriku Bank, Ltd.	February, 2024	-	Japan Credit Rating Agency, Ltd.	-	-	Reduce the Group's CO₂ emissions (Scope 1+2) by 3.7% per year (base year: FY2022)	Depending on whether or not the pre-defined SPT is achieved, the arrangement is designed to fluctuate financial characteristics.	Hokuriku Electric Industry will report to the Hokuriku Bank by the SPT judgment date each year on the previous year's performance of the KPIs it has set and on the status of achievement of the SPT.
Zoi-design	Real estate and construction	Tsukuba Bank, Ltd.	February, 2024	-	Rating & Investment Information, Inc. ※	-	-	①An increase in the number of vacant houses purchased, renovated and sold ②An increase in the number of vacant properties renovated and sold through brokerage （target value:　Cumulative total of 100 cases in 2038）	The incentive design is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of SPTs shall be reported to Tsukuba Bank's branch offices using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work. In principle, the contents of the reports on the borrower's website, etc. will not be disclosed to the public.
AHC Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	2.8	billion yen	Cumulative number of home EV charging equipment sold by the company (units) （actual result：FY2022　1,881 units）【Target for each fiscal year】 FY2023　2105 units FY2024　2329 units FY2025　2553 units FY2026　2777 units FY2027　3001 units FY2028　3225 units FY2029　3449 units FY2030　3673 units FY2031　3897 units FY2032　4121 units	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Aoi Sangyo Co. (アオイ産業)	Wholesale and retail trade	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	3	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　0.66236　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　0.64447　(▲2.7%) FY2024　0.62659　(▲5.4%) FY2025　0.60871　(▲8.1%) FY2026　0.59082　(▲10.8%) FY2027　0.57294　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Aspirare	Wholesale and retail trade	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　2.3493　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　2.2859　(▲2.7%) FY2024　2.2224　(▲5.4%) FY2025　2.159　 (▲8.1%) FY2026　2.0956　(▲10.8%) FY2027　2.0321　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
AUTO LINKS JAPAN	Wholesale and retail trade	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　1.6902　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Best Land Chiba Co. (ベストランド千葉)	Real estate and construction	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	2	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3% of FY2022 level by FY2031. （actual result：FY2022　 2.1102 t-CO₂/100 million yen) 【Target for each fiscal year】 FY2023 ▲2.7% FY2024 ▲5.4% FY2025 ▲8.1% FY2026 ▲10.8% FY2027 ▲13.5% FY2028 ▲16.2% FY2029 ▲18.9% FY2030 ▲21.6% FY2031 ▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
CRAFT WORK Co.,Ltd.	Manufacturing	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　118.686　t-CO₂）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Daiichi Kyoso Construction Co. (第一共創建設)	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3% of FY2022 level by FY2031. （actual result：FY2022　 16.922 t-CO₂/100 million yen) 【Target for each fiscal year】 FY2023 ▲2.7% FY2024 ▲5.4% FY2025 ▲8.1% FY2026 ▲10.8% FY2027 ▲13.5% FY2028 ▲16.2% FY2029 ▲18.9% FY2030 ▲21.6% FY2031 ▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Family Corporation Co.,Ltd.	Real estate and construction	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions per billion yen of sales（t-CO₂/1 billion yen）（actual result：FY2022　　3.2967　t-CO₂/1 billion yen）【Target for each fiscal year】 (t-CO₂/1 billion yen, figures in parentheses indicate reduction rate compared to FY2022) FY2023　3.2077　(▲2.7%) FY2024　3.1187　(▲5.4%) FY2025　3.0297　(▲8.1%) FY2026　2.9407　(▲10.8%) FY2027　2.8516　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Gojoh	Real estate and construction	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2020 　9.4437　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2020) FY2023　8.1645 （▲13.55%） FY2024　8.0381 （▲14.88%） FY2025　7.9117 （▲16.22%） FY2026　7.7853 （▲17.56%） FY2027　7.6589 （▲18.90%）	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Happy Nurses (ハッピーナース)	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1.6	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　7.3030　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
HirochiTrading Co. (ヒロチー商事)	Wholesale and retail trade	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 　41.5344　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2023　40.4129　(▲2.7%) FY2024　39.2915　(▲5.4%) FY2025　38.1701　(▲8.1%) FY2026　37.0486　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Juzensha Co., Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲24.3% of FY2023 level by FY2032. （actual result：FY2023　21.3614　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲2.7% FY2025　▲5.4% FY2026　▲8.1% FY2027　▲10.8% FY2028　▲13.5% FY2029　▲16.2% FY2030　▲18.9% FY2031　▲21.6% FY2032　▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Kawamasa Kikou Co. (川正機工)	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　128.570　t-CO₂）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
KUMAGAI CO., LTD.	Manufacturing	Daishi Hokuetsu Bank, Ltd	February, 2024	-	Rating & Investment Information, Inc.	5	billion yen	Reduce CO₂ emissions per sales (Scope 1 and 2) by 46.2% in FY2030 compared to FY2019 【Target for each fiscal year】 FY2024 36.5% FY2025 38.1% FY2026 39.7% FY2027 41.4% FY2028 43.0% FY2029 44.6% FY2030 46.2%	SPTs will be determined each fiscal year. If Kumagaya meets the target, the loan rate will be reduced. If not, the loan rate is increased. Lower and upper limits are set for the reduction and increase of the loan rate, respectively.	Kumagaya will submit a report to The Daishi Hokuetsu Bank once a year that confirms the status of achievement of the SPTs. KPIs and SPTs will be disclosed on the websites of Kumagaya and The Daishi Hokuetsu Bank at the time of loan execution.
Manzai Motor Co., Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1.5	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　123.867　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　120.522　(▲2.7%) FY2024　117.178　(▲5.4%) FY2025　113.833　(▲8.1%) FY2026　110.489　(▲10.8%) FY2027　107.145　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Daishi Hokuetsu Bank, Ltd	February, 2024	7 years	Rating & Investment Information, Inc.	10	billion yen	CO₂ emissions intensity of logistics real estate in 2027: 90% reduction of the owner-managed portion (Scope 1 and 2) compared to 2016 (base year)	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	The Keiyo Bank,Ltd.	February, 2024	7 years	Rating & Investment Information, Inc.	5	billion yen	CO₂ emissions intensity of logistics real estate in 2027: 90% reduction of the owner-managed portion (Scope 1 and 2) compared to 2016 (base year)	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Sumitomo Mitsui Banking Corporation	February, 2024	8 years	Rating & Investment Information, Inc.	17	billion yen	CO₂ emissions intensity of logistics real estate in 2030: 100% reduction of the owner-managed portion (Scope 1 and 2) compared to 2016 (base year)	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	The Joyo Bank, Ltd.	February, 2024	8 years	Rating & Investment Information, Inc.	10	billion yen	CO₂ emissions intensity of logistics real estate in 2030: 100% reduction of the owner-managed portion (Scope 1 and 2) compared to 2016 (base year)	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	The Norinchukin Bank	February, 2024	9 years	Rating & Investment Information, Inc.	10	billion yen	CO₂ emissions intensity of logistics real estate in 2030: 100% reduction of the owner-managed portion (Scope 1 and 2) compared to 2016 (base year)	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Resona Bank,Ltd.	February, 2024	9.5 years	Rating & Investment Information, Inc.	15	billion yen	CO₂ emissions intensity of logistics real estate in 2030: 100% reduction of the owner-managed portion (Scope 1 and 2) compared to 2016 (base year)	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	The Yamagata Bank,Ltd	February, 2024	9.5 years	Rating & Investment Information, Inc.	7	billion yen	CO₂ emissions intensity of logistics real estate in 2030: 100% reduction of the owner-managed portion (Scope 1 and 2) compared to 2016 (base year)	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Mitsui Fudosan Logistics Park Inc.	Finance (including REITs)	Mizuho Bank, Ltd.	February, 2024	10 years	Rating & Investment Information, Inc.	12	billion yen	CO₂ emissions intensity of logistics real estate in 2030: 100% reduction of the owner-managed portion (Scope 1 and 2) compared to 2016 (base year)	The interest rate from the timing of the decision to the due date varies depending on the achievement of the SPT.	The Fund plans to disclose KPI performance annually on its website. All stakeholders, including lenders, will have access to publicly available information on the SPT's performance for each calculation year.
Nakamura Co.Ltd.	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2020 　154.82　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2020) FY2023　142.28　(▲8.1%) FY2024　138.1　(▲10.8%) FY2025　133.92　(▲13.5%) FY2026　129.74　(▲16.2%) FY2027　125.56　(▲18.9%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Next Step Corporation (ネクステップ)	Real estate and construction	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　11.5886　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
S.K.R	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	SPT①：Reduce CO₂ emissions to ▲27.0% of FY2022 level by FY2032. （actual result：FY2022　365.01　t-CO₂）【Target for each fiscal year】 FY2024 ▲5.4% FY2025 ▲8.1% FY2026 ▲10.8% FY2027 ▲13.5% FY2028 ▲16.2% FY2029 ▲18.9% FY2030 ▲21.6% FY2031 ▲24.3% FY2032 ▲27.0% SPT②：Increase the percentage of environmentally friendly vehicles in the fleet to 100% by the end of FY2032 （actual result：FY2022　 71.43%）【Target for each fiscal year】 FY2024 74.66% FY2025 77.89% FY2026 81.12% FY2027 84.35% FY2028 87.58% FY2029 90.81% FY2030 94.04% FY2031 97.27% FY2032 100.00% SPT③：Increase the number of environmentally friendly vehicles in the fleet to 19 or more by the end of 2032 （actual result：FY2022　 10 cars）【Target for each fiscal year】 FY2024　11 cars FY2025　12 cars FY2026　13 cars FY2027　14 cars FY2028　15 cars FY2029　16 cars FY2030　17 cars FY2031　18 cars FY2032　19 cars	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SEKINAGA Co.,Ltd.	Wholesale and retail trade	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲18.9% of FY2022 level by FY2029. （actual result：FY2022　 7.5279　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
SHIRAKO Corporation (シラコ)	Manufacturing	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　22.094　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Shori Corporation (ショウリ)	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1.5	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　26.2092　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　25.5015　(▲2.7%) FY2024　24.7939　(▲5.4%) FY2025　24.0862　(▲8.1%) FY2026　23.3786　(▲10.8%) FY2027　22.6709　(▲13.5%) FY2028　21.9633　(▲16.2%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Sunny Staff Corporation (サニースタッフ)	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1.5	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　12.4744　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023 ▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Taikou Transportation Co. (大光輸送)	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　263.282　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　256.173　(▲2.7%) FY2024　249.064　(▲5.4%) FY2025　241.956　(▲8.1%) FY2026　234.847　(▲10.8%) FY2027　227.739　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Taira Jyuken (平住建)	Real estate and construction	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　1.4415　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　1.4026　(▲2.7%) FY2024　1.3636　(▲5.4%) FY2025　1.3247　(▲8.1%) FY2026　1.2858　(▲10.8%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Tanaka Seiki (田中精機)	Manufacturing	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1.2	billion yen	Reduce CO₂ emissions per 100 million yen in sales to ▲29.70% of FY2021 level by FY2032. （actual result：FY2021 　 46.631 t-CO₂/100 million yen) 【Target for each fiscal year】 FY2023　▲11.24% FY2024　▲13.29% FY2025　▲15.34% FY2026　▲17.39% FY2027　▲19.44% FY2028　▲21.50% FY2029　▲23.55% FY2030　▲25.60% FY2031　▲27.65% FY2032　▲29.70%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Uchiyama Electric Manufacturing Co. (内山電機製作所)	Electronic components, devices, information equipment, etc.	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　18.4122　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、figures in parentheses indicate reduction rate compared to FY2022） FY2023　17.9151　(▲2.7%) FY2024　17.418　(▲5.4%) FY2025　16.9208　(▲8.1%) FY2026　16.4237　(▲10.8%) FY2027　15.9266　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yellow Capital Orchestra (イエローキャピタルオーケストラ)	Real estate and construction	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions (t-CO₂) （actual result：FY2022 　28.9611　t-CO₂）【Target】 (t－CO₂、figures in parentheses indicate reduction rate compared to FY2022） FY2024　27.3972　(▲5.4%) FY2025　26.6153　(▲8.1%) FY2026　25.8333　(▲10.8%) FY2027　25.0514　(▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Yoshimura Construction Co. (吉村建設)	Others (including service industry)	The Chiba Bank, Ltd.	February, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions per 100 million yen of sales to -27.0% of FY2022 level by FY2032 （actual result：FY2022　12.3874　t-CO₂/100 million yen）【Target for each fiscal year】 FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032 ▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
&Do Holdings Co.,Ltd.	Real estate and construction	The Kiyo Bank, Ltd.	January, 2024	2.8 years	Rating & Investment Information, Inc.	5	billion yen	SPT1‐Cumulative number of house leaseback purchase contracts (cumulative values from the fiscal year ended June 30, 2023) 【Target】 FY2024/6　2,400 cases FY2025/6　3,840 cases SPT2-Reverse mortgage guarantee balance 【Target】 FY2024/6　28.5 billion yen FY2025/6　50.6 billion yen	The interest rate will be reduced from the base rate if both SPT-1 and SPT-2 are achieved in the fiscal years ending June 30, 2024 and June 30, 2025.	&Do Holdings will report annually to lenders on the status of achievement of SPTs. In addition to reporting to lenders, it will also disclose financial results on its website.
ITOGUMI CONSTRUCTION CO., LTD	Real estate and construction	North Pacific Bank,Ltd.	January, 2024	-	Hokkaido Kyoso Partners	-	-	Reduce CO₂ emissions (Scope 1+2) by 50% by FY2030 (compared to FY2022) (actual result：FY2020　1,997.836 t-CO₂, FY2021 2,172.481 t-CO₂, FY2022 1,978.552 t-CO₂) 【Target】 FY2023 1854.893 (6.25%) FY2024 1731.233 (12.50%) FY2025 1607.574 (18.75%) FY2026 1483.914 (25.00%) FY2027 1360.255 (31.25%) FY2028 1236.595 (37.50%) FY2029 1112.936 (43.75%) FY2030 989.276 (50.00%)	If the achievement of the SPT is confirmed, the interest rate will be reduced at an annual rate per annum against the initial interest rate from interest payments falling on or after the determination date until the redemption/repayment date or the next determination date.	The achievement status of the SPT will be verified by an independent third party on an annual basis, and the results of the verification will be reported in writing to the lender. The status of SPT achievement for each fiscal year will be posted on Itogumi Construction's website.
Japan Real Estate Investment Corporation	Finance (including REITs)	The Gunma Bank,Ltd.	January, 2024	7 years	Japan Credit Rating Agency, Ltd. ※	1	billion yen	Reduce CO₂ emissions by 80% by FY2030 (compared to FY2019, on a total amount basis)	The arrangement allows the financial characteristics to vary depending on the achievement of the SPT. The changes include a step-up/step-down in the interest rate.	It plans to disclose on an annual basis on its website the actual results of the KPIs and the achievement of the SPTs for the reporting period, as well as information on the borrower's latest sustainability strategy in relation to the KPIs and the SPTs.
Japan Real Estate Investment Corporation	Finance (including REITs)	The Keiyo Bank,Ltd.	January, 2024	7 years	Japan Credit Rating Agency, Ltd. ※	1	billion yen	Reduce CO₂ emissions by 80% by FY2030 (compared to FY2019, on a total amount basis)	The arrangement allows the financial characteristics to vary depending on the achievement of the SPT. The changes include a step-up/step-down in the interest rate.	It plans to disclose on an annual basis on its website the actual results of the KPIs and the achievement of the SPTs for the reporting period, as well as information on the borrower's latest sustainability strategy in relation to the KPIs and the SPTs.
Kawabo Textured Co., Ltd.	Manufacturing	THE GIFU SHINKIN BANK	January, 2024	5 years	Rating & Investment Information, Inc.　※	0.05	billion yen	Reduce CO₂ emissions by 21.0% in the fiscal year ending Ferurary 39, 2028 compared to the fiscal year ending Feburary 28, 2023. 【Targets for each year】 2025/2　▲8.4% 2026/2　▲12.6% 2027/2　▲16.8% 2028/2　▲21.0%	・The preferential interest rate is a prerequisite to motivate the reduction of CO₂ emissions. ・Since the preferential interest rate is applied from the beginning, the interest rate will not be additionally reduced when the SPT is achieved. ・If the SPT is not achieved in a single period, the company will be asked to prepare a business plan to achieve the target. ・If the SPT is not achieved for two consecutive terms, the interest rate will be raised by 0.1%. ・Thereafter, the loan interest rate will remain raised as long as the SPT remains unachieved.	Kawabo Textured Co., Ltd. shall report annually to THE GIFU SHINKIN BANK on the status of SPT achievement.
Kawasaki Heavy Industries, Ltd.	Transportation Machinery	Sumitomo Mitsui Banking Corporation	January, 2024	5 years	Japan Credit Rating Agency, Ltd.	45	billion yen	Completion of construction of one large liquefied hydrogen carrier for commercialization demonstration by March 2028	Varies depending on whether SPTs were achieved as of the date of determination.	Kawasaki Heavy Industries intends to disclose the following information on an annual basis on its website or to its lenders. - Latest KPIs results - Progress on the SPTs - Information on the issuer's latest sustainability strategy as it relates to the KPIs and SPTs - If SPTs have not been met and donations have been made, the recipients of the donations, the amount of the donations, and the timing of the donations
Miharadagumi Co.,Ltd	Real estate and construction	Daishi Hokuetsu Bank, Ltd	January, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	6	billion yen	Sales of technical training courses at Joetsu Training Center	Once it is confirmed that the target SPT figures have been achieved, the interest rate applicable during the loan period will be reduced.	Report the status of achievement of the SPT to　Daishi Hokuetsu Bank once a year.
Odakyu Real Estate Co., Ltd.	Real estate and construction	The Bank of Yokohama,Ltd.	January, 2024	-	Rating & Investment Information, Inc.	-	-	Reduce the company's CO₂ emissions (Scope 1 + Scope 2) by 58.8% from FY 2013 levels by FY 2030.	It is designed to check the achievement of the SPT and reduce the interest rate if the SPT is achieved.	Report annually to the lending bank on the status of SPT achievement and disclose the information on Odakyu Real Estate's website.
Okazumi Co., Ltd.	Manufacturing	THE KITAKYUSHU BANK, Ltd.	January, 2024	5 years	Rating & Investment Information, Inc.	1	billion yen	Reduce paper purchases by 3.3% annually compared to FY2022	The incentive is designed to check the achievement of the SPTs each year and reduce the interest rate when the SPTs are achieved. The interest rates reduced upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is returned to its original level.	In principle, once a year, based on the contract signed at the time of loan execution, the status of achievement of SPTs will be reported to the Kitakyushu Bank branch office using the prescribed form. The report will also include evidence, data, and other prima facie evidence necessary for verification work.
Road Service Niigata	Others (including service industry)	Daishi Hokuetsu Bank, Ltd	January, 2024	-	Daishi Hokuetsu Research & Consulting.Ltd.	6	billion yen	Ratio of Next-Generation Vehicles in Rental Cars	Once it is confirmed that the target SPT figures have been achieved, the interest rate applicable during the loan period will be reduced.	Report the status of achievement of the SPT to　Daishi Hokuetsu Bank once a year.
YAMATO JYUKEN, INC	Real estate and construction	The Hiroshima Bank, Ltd.	January, 2024	5 years	HIROGIN area design Co. Ltd.	1	billion yen	ZEH commissioning rate: Achieve 90% or more every year from FY2024 (actual result：FY2020 78%、FY2021 77%、FY2022 88%)	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
NTN	Transportation Machinery	The Chugoku Bank, Ltd	January, 2024	5 years	Rating & Investment Information, Inc.	10	billion yen	Domestic CO₂ emissions (Unit: 10,000 tons) 【Target】 FY2024　 28.7 FY2025　 27.1 FY2026　 25.5 FY2027　 23.9	The characteristics of the loan will change by stepping up/down the interest rate depending on the unfulfilled/fulfilled status at the time of the SPT determination.	Until the Sustainability Linked Financing is repaid, NTN plans to disclose the status of achievement of the KPIs against the SPT once a year on its website as its environmental and social performance.
Vortex Co., Ltd.	Real estate and construction	THE TOTTORI BANK, LTD	January, 2024	-	Rating & Investment Information, Inc.　　※	-	-	Acquisition rate of BELS* certification *BELS is a third-party certification that indicates the energy-saving performance of buildings based on the Building Energy Saving Law.【Target】 2024/Mar. 74% 2025/Mar. 76% 2026/Mar. 78% 2027/Mar. 81% 2028/Mar. 81%	The incentive design is such that interest rates are reduced when SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is increased by a level equal to the reduction.	Once a year over the term of the loan, the borrower will report to the sales office the actual results of KPIs that show the achievement of SPTs and the results of verification by a third-party professional organization as a report.
HIRAKIN (平林金属)	Manufacturing	The Hiroshima Bank, Ltd.	January, 2024	3 years	HIROGIN area design Co. Ltd.	5	billion yen	Percentage of male employees taking childcare leave	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
京都カネヨシ	Others (including service industry)	Kyoto Chuo Shinkin Bank	January, 2024	-	Japan Credit Rating Agency, Ltd. ※	-	-	Achieve a reduction rate of -6% in the business sector, -4% in the industrial sector, and -2% in the transportation sector (all annualized), which is equivalent to the target reduction rate under Kyoto Prefecture's emission reduction plan, reporting, and announcement system for business operators (specified business operator system). 【Details of initiatives】 Efficiency will be improved by integrating plants and optimizing energy use in each work process to reduce CO₂ emissions. In addition, energy will be saved by updating to high-efficiency linen facilities.	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
KOYUDO (晃祐堂)	Manufacturing	The Hiroshima Bank, Ltd.	January, 2024	10 years	HIROGIN area design Co. Ltd.	1	billion yen	Increase in "upcycled PBT (polybutylene terephthalate) utilization" in phases. (actual result：2023/Jun. 100㎏) 【Target】 2024/Jun. 120kg 2025/Jun. 140kg 2026/Jun. 160kg 2027/Jun. 180kg 2028/Jun. 200kg 2029/Jun. 220kg 2030/Jun. 240kg 2031/Jun. 260kg 2032/Jun. 280kg 2033/Jun. 300kg	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
Kasumigaseki Capital Co., Ltd.	Real estate and construction	The Kumamoto Bank, Ltd	January, 2024	-	Rating & Investment Information, Inc.　　※	1	billion yen	Obtain an environmental certification rank of A or higher in CASBEE or 4 stars or higher in DBJ Green Building for all logistics facilities completed in each fiscal year.	Interest rate fluctuations, etc., depending on the achievement of SPTs	Report annually on the status of achievement of SPTs
Nagomi (特定非営利活動法人なごみ)	Others (including service industry)	The 77 Bank, Ltd.	January, 2024	-	77 Research and Consulting Co.,Ltd.	0.9	billion yen	Double the number of users (80 persons) in the day service division by the end of the fiscal year ending March 31, 2027, based on the fiscal year ending March 31, 2023.	The incentive design is set to reduce the interest rate when the SPTs are achieved. The interest rate reductions upon achievement are not cumulative, and if the SPTs are not reached, the interest rate is raised by the same level as the reduction.	Once a year, the SPTs shall report information on the status of achievement, etc. of the SPTs. The report shall include prima facie evidence and data necessary for the verification work. Publication of the contents of the reports on the Borrower's website, etc. shall be at the discretion of the Borrower.
ウェスコム	Others (including service industry)	Kyoto Chuo Shinkin Bank	January, 2024	-	Japan Credit Rating Agency, Ltd. ※	-	-	Achieve a reduction rate of -6% in the business sector, -4% in the industrial sector, and -2% in the transportation sector (all annualized), which is equivalent to the target reduction rate under Kyoto Prefecture's emission reduction plan, reporting, and announcement system for business operators (specified business operator system). 【Details of initiatives】 Reducing CO₂ emissions by installing energy-saving equipment and raising awareness of power saving among employees.	If the SPT is not met/achieved, the interest rate will increase/decrease from the time of interest payment after the determination date until the next determination.	Once a year until the loan is repaid, the borrower's CO₂ emission reduction plan and reduction report will be published on the Kyoto Prefectural Government's website.
KAMADEN CO.,LTD	Others (including service industry)	The Bank of Kyoto, Ltd.	January, 2024	-	Japan Credit Rating Agency, Ltd.※	-	-	Reduction of CO₂ emissions from business activities （Actual emissions in base year：6.8t）【Targets】 (Figures in parentheses indicate reduction rate) FY2023　　6.6t　(-4.3%) FY2024　　6.5t　(-5.8%) FY2025　　6.4t　(-7.2%)	Incentives such as preferential interest rates are given based on the achievement of SPTs	Emission reduction plans and reduction reports of the borrower will be published on the Kyoto Prefecture website once a year until the loan is repaid.
LUMBERTEC (ランバーテック)	Real estate and construction	The Gunma Bank,Ltd.	January, 2024	-	Rating & Investment Information, Inc. ※	-	-	Reduce greenhouse gas emissions by 2.7% per year from the March 2023 baseline	The incentive is designed to check the achievement of SPTs annually and reduce the interest rate when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to Gunma Bank using the prescribed form. The report shall also include prima facie evidence and data necessary for verification work.
ADVANCED TECHNOLOGY Inc.	Wholesale and retail trade	The Hiroshima Bank, Ltd.	January, 2024	7 years	HIROGIN area design Co. Ltd.	0.5	billion yen	SPT-1　Percentage of employees taking annual paid leave (actual：FY2020　53%、FY2021 70%、FY2022 63%) 【Target】 FY2023　65% or more、FY2024‐FY2029　70% or more SPT-２　Percentage of male employees taking parental leave (actual：FY2020　0%、FY2021 25%、FY2022 0%) 【Target】 FY2023‐FY2029　100%	The interest rate applied during the term of the loan will be determined by the achievement of the following requirements (1) The borrower must report to the lender in writing on the progress of its initiatives. (2) The SPT target figures must be achieved. If (1) is complied with, the spread will remain the same even if (2) is not met. If (1) is complied with and (2) is achieved, the spread is designed to decrease.	The Borrower intends to provide the Lender with a written statement of its achievement of the SPT. The Borrower intends to make a statement on the Lender's website that this financing is based on a Sustainability Linked Loan.
KUROSHIO & CO.,LTD	Wholesale and retail trade	The Kiyo Bank, Ltd.	January, 2024	5 years	Wakayama Institute for Social & Economic Development	1	billion yen	Use of PP bands for product packaging (Actual：FY2022(Base year) 277,246 m) 【Target】 (unit：ｍ、Percentage reduction from FY2022 is shown in parentheses.) FY2023 266,156(4.0%) FY2024 255,066(8.0%) FY2025 243,976(12.0%) FY2026 232,887(16.0%) FY2027 221,797(20.0%)	The interest rate applied during the loan term will be determined by the lender's achievement of the following requirements (i) To report in writing to the lender on the status of achievement of SPTs by the reporting deadline each year. (ii) Achieve the target figures of the SPTs for each fiscal year from FY2023 to FY2027.	KUROSHIOshall provide the lender with a written report on the status of achievement of the SPTs by the reporting deadline each year, and shall also provide the lender with the materials necessary to verify the achievement of the SPTs.
Ataka (安宅)	Others (including service industry)	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	1.2	billion yen	Reduce CO₂ emissions to -27.0% of FY2022 levels by FY2032 （actual result：FY2022　164.900　t-CO₂）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Daiichi Lpgistics (ダイイチロジスティクス)	Transportation	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　143.750　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、Figures in parentheses are reduction rates compared to FY2022） FY2023 139.868 (▲2.7%) FY2024 135.987 (▲5.4%) FY2025 132.106 (▲8.1%) FY2026 128.225 (▲10.8%) FY2027 124.343 (▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
FUJII MANUFACTURING CO.,LTD.	Manufacturing	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	1.5	billion yen	Reduce CO₂ emissions per ton of metal produced to 24.3% of the FY2022 level by FY2031. 【Target for each fiscal year】（actual result：FY2022　2.2217　t-CO₂） FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
Honda Cars Minami-Chiba (ホンダカーズ南千葉)	Wholesale and retail trade	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	2	billion yen	CO₂ emissions（t－CO₂）（actual result：CO₂ emissions in FY2022 124.914　t-CO₂）【Target】 (t－CO₂、Figures in parentheses are reduction rates compared to FY2022） FY2023 121.541 (▲2.7%) FY2024 118.168 (▲5.4%) FY2025 114.796 (▲8.1%) FY2026 111.423 (▲10.8%) FY2027 108.05 (▲13.5%) FY2028 104.678 (▲16.2%) FY2029 101.305 (▲18.9%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
HYV	Others (including service industry)	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	3.5	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　 17.2080　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、Figures in parentheses are reduction rates compared to FY2022） FY2024 16.7434 (▲2.7%) FY2025 16.2788 (▲5.4%) FY2026 15.8142 (▲8.1%) FY2027 15.3495 (▲10.8%) FY2028 14.8849 (▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
IKEDA (池田工業)	Others (including service industry)	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	1.8	billion yen	Reduce CO₂ emissions to 24.3% of FY2022 levels by FY2031 （actual result：FY2022　172.70　t-CO₂）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
KS Kyusou (ケイエス急送有限会社)	Transportation	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to 24.3% of the FY2022 level by FY2031. （actual result：FY2022　164.8279　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
MUGEN ESTATE Co., Ltd.	Real estate and construction	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	3	billion yen	CO₂ emission reduction rate per 100 million yen of consolidated net sales (compared to FY2021) （actual result： CO₂ emissions in FY2021 0.5674　t-CO₂/100 million yen）【Target】 FY2024 ▲15.3% FY2025 ▲20.4% FY2026 ▲25.5% FY2027 ▲30.6%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
NEXT ONE	Energy	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	1	billion yen	SPT1-CO₂ emissions（t－CO₂）（actual result：CO₂ emissions in FY2022 11.371　t-CO₂）【Target】 (t－CO₂、Figures in parentheses are reduction rates compared to FY2022） FY2023　 11.064 (▲2.7%) FY2024　 10.757 (▲5.4%) FY2025　 10.450 (▲8.1%) SPT2-Employment of persons with disabilities 【Target】 (Ratio of employees with disabilities: 2.7% or more) FY2023　 5人 FY2024　10人 FY2025　15人	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
STAGE　ONE	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	1	billion yen	Reduce CO₂ emissions per 100 million yen in sales to 27.0% of the FY2022 level by FY2032. （actual result：FY2022　33.9008　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
TAIKI Co.,LTD.	Wholesale and retail trade	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	1	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　29.3582　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、Figures in parentheses are reduction rates compared to FY2022） FY2023 28.5655 (▲2.7%) FY2024 27.7728 (▲5.4%) FY2025 26.9802 (▲8.1%) FY2026 26.1875 (▲10.8%) FY2027 25.3948 (▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
TAKEISHI (竹石産業)	Others (including service industry)	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	1.34	billion yen	Reduce CO₂ emissions per 100 million yen in sales to 27.0% of the FY2022 level by FY2032. （actual result：FY2022　94.8749　t-CO₂/100 million yen）【Target for each fiscal year】 FY2023　▲2.7% FY2024　▲5.4% FY2025　▲8.1% FY2026　▲10.8% FY2027　▲13.5% FY2028　▲16.2% FY2029　▲18.9% FY2030　▲21.6% FY2031　▲24.3% FY2032　▲27.0%	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
THE OKIGIN GENERAL LEASE COMPANY LIMITED.	Finance (including REITs)	The Bank of Okinawa, Ltd	January, 2024	-	Rating & Investment Information, Inc. ※	-	-	Number of transactions of equipment and facilities that contribute to energy conservation and decarbonization	The incentive design is such that the achievement of SPTs is checked annually, and interest rates are reduced when they are achieved.	In principle, once a year, the status of achievement of the SPTs shall be reported to the Bank of Okinawa's branch offices using the prescribed form. The report should also include prima facie evidence and data necessary for verification. In principle, the Bank does not require the borrower to disclose the contents of the reports on its website or other media.
Vinaiota (ヴィナイオータ)	Food, Beverages, Tobacco, etc.	The Chiba Bank, Ltd.	January, 2024	-	Chibagin Research Institute Corporation	1.5	billion yen	CO₂ emissions per 100 million yen of sales (t-CO₂/100 million yen) （actual result：FY2022　5.3097　t-CO₂/100 million yen）【Target for each fiscal year】 (t-CO₂/100 million yen、Figures in parentheses are reduction rates compared to FY2022） FY2024 5.023 (▲5.4%) FY2025 4.8796 (▲8.1%) FY2026 4.7363 (▲10.8%) FY2027 4.5929 (▲13.5%)	Status of achievement of SPTs is checked on an annual basis in principle, and a mechanism is set up to lower or raise the interest rate depending on the status of achievement.	Once a year, the status of achievement of SPTs will be checked in a prescribed form. Reporting information will not be made public.
ESUYU-TECH (有限会社エスユー)	Electronic components, devices, information equipment, etc.	The Bank of Kyoto, Ltd.	October-December,2023	-	Japan Credit Rating Agency, Ltd.	-	-	Reduction of CO₂ emissions from business activities	Incentives such as preferential interest rates are given based on the achievement of SPTs	Emission reduction plans and reduction reports of the borrower will be published on the Kyoto Prefecture website once a year until the loan is repaid.
Kibundo Co., Ltd.	Wholesale and retail trade	The Bank of Kyoto, Ltd.	October-December,2023	-	Japan Credit Rating Agency, Ltd.	-	-	Reduction of CO₂ emissions from business activities	Incentives such as preferential interest rates are given based on the achievement of SPTs	Emission reduction plans and reduction reports of the borrower will be published on the Kyoto Prefecture website once a year until the loan is repaid.
koyu-planning (有限会社　コーユー企画)	Manufacturing	The Bank of Kyoto, Ltd.	October-December,2023	-	Japan Credit Rating Agency, Ltd.	-	-	Reduction of CO₂ emissions from business activities	Incentives such as preferential interest rates are given based on the achievement of SPTs	Emission reduction plans and reduction reports of the borrower will be published on the Kyoto Prefecture website once a year until the loan is repaid.
Nissho (日昌製作所)	Manufacturing	The Bank of Kyoto, Ltd.	October-December,2023