SBI Shinsei Bank Group defines sustainability management as the pursuit of a virtuous cycle between “long-term contributions to the environment, society, and customers through business” and “the sustainable growth of our group.” This represents our management philosophy, which addresses environmental and social challenges through our business and continuously aim for sustainable enhancement of corporate value. We are conscious of our stakeholders and place emphasis on responding to climate change, regional revitalization, and human capital management.
1. Expansion of Sustainable Finance
In order to address environmental and social issues related to climate change, we actively engage in investments and financing that contribute to decarbonization and the reduction of environmental impact, as well as to provide financial products and services. We have set a target to achieve a total of 5 trillion yen in sustainable finance by the end of fiscal year 2030. In fiscal year 2024, not only through sustainability loans at SBI Shinsei Bank, but also through group wide initiatives such as Showa Leasing’s regional revitalization finance program, Aplus’s solar loans for residential use, and environmental real estate trust services at Shinsei Trust Bank, we achieved 1.2 trillion yen for fiscal year 2024 and a cumulative total of 2.6 trillion yen. In the area of corporate lending, we are expanding the target sectors from the current three to eight industries, and further promoting engagement (constructive dialogue) and information gathering to support customers' transitions toward decarbonization in the targeted industries, in order for early achievement of our goals.
2. Regional Revitalization in Collaboration with Stakeholders
We are implementing initiatives unique to our banking group to revitalize regional economies and promote regional development, including syndicated loans with core regional financial institutions, personnel exchanges such as internships, and training programs conducted by Sustainable Impact Evaluation Office. Through the 'Triangle Strategy' among our bank, regional financial institutions, and the SBI Group, we provide various financial solutions that create new revenue opportunities for regional financial institutions, further strengthening our efforts to contribute value to the regional economies and to address local challenges.
3. Promotion of Human Capital Management
We promote human capital management with the aim of maximizing the value of each employee. We believe that human resources are our most important capital. We actively provide learning opportunities through trainings and on-the-job trainings (OJT), and promote internal awareness through diversity and inclusion (D&I) activities.
4. Conclusion
Regarding the public funds that had long remained unpaid, we have made progress in repayment since becoming a part of the SBI Group, and we completed the full repayment at the end of July 2025. Our bank’s sustainability initiatives also represent a form of gratitude to the people of Japan, and we hope for your continued support and attention to our initiatives.
July 2025
Chief Sustainability Officer
Executive Officer, Head of Group Overseas Business Division
In charge of Group Corporate Planning
Yasuhiro Fujiki
