DBJ Environmentally Rated Loan Program

DBJ Environmentally Rated Loan Program is a loan program utilizing a screening (rating) system developed by DBJ that evaluates enterprises on the level of their environmental management and then sets financial conditions based on these evaluations. This was the world's first incorporation of environmental ratings in financing menus. For more details, please visit the relevant page of the DBJ’s website.

(As of 30 September 2018)

Case Study No.1

Features of the Assessment

1. (1)
   The company has achieved productivity improvement and reduction of environmental load, through business improvement and cost reduction activities based on accurate data analysis, as well as through continuous improvement of production processes involving all the its employees.
2. (2)
   The company is carrying out focused efforts towards attainment of a sustainable society—for example, disseminating eco-friendly products that leverage its high technical skills, promoting CSR conscious supply chain management, and planning development of environment responsive technology and products in its long-term vision.
3. (3)
   To implement management in terms of CSR objectives, the company has prepared a CSR activity framework building upon its original social contribution activities (so-called “GENKI activities”) and identified materiality following the trend of early-stage non-financial information disclosure.

Case Study No.2

Features of the Assessment

1. (1)
   The company is enhancing its EMS system to give it a global scope: aggregating environmental performance data from both Japan and overseas group bases and setting aggressive greenhouse gas emissions targets, including consideration of the super long run.
2. (2)
   By positioning environmental burden reduction as a growth area in its “FY2016–2018 Mid-term Management Plan,” the company has been contributing toward realization of a De-carbon society (providing solutions in areas such as equipment leasing and financing for wind and solar power generation projects and financial support for ESCO businesses).
3. (3)
   The human capital element of the company’s investment strategy to support the above initiatives includes a focus on cultivating expertise and global perspective among its employees as well as the launch of its “SKY Project” to reform working style, both of which are examples of active investment to strengthen its management base.

Case Study No.3

Features of the Assessment

1. (1)
   The company practices advanced CSR management with an aim of achieving both business growth and social value expansion based on a “co-creation” business model. It has identified four materiality areas centered on inclusion and, taking into account dialogue with its stakeholders, it pushes relevant group-wide efforts forward, proactively disclosing progress through publication of integrated reports.
2. (2)
   In order to realize diversity, the company internally sets a “women empowerment index” as a KPI to promote working inclusion, and externally sets “senior citizens and individuals with disabilities” and “LGBT” as priority themes. Taking into consideration expert opinion, it promotes diversity and inclusion throughout its stores to better serve all its customers.
3. (3)
   The company positions its private brand “Rakuchin Kirei Shoes,” which was created as a result of planning sessions with customers regarding environmentally conscious products, so as to simultaneously realize customer satisfaction, waste reduction and sales increase, while displaying carbon footprint information to raise consumers’ environmental awareness.