Business Activity | Sustainability | Kyoto Financial Group, Inc.

It is imperative for companies to conduct business activities that consider the community and the environment. The Group has long implemented initiatives such as energy-saving activities and waste reduction, as well activities that consider biodiversity, such as forest maintenance.
In particular, we believe that realization of a decarbonized society, as typified by carbon neutrality, is one of the most important initiatives in sustainability management.
The Group is committed to green growth that enhances corporate value as well as achievement of a decarbonized society.

Toward Achievement of a Carbon Neutral Society

We believe that realization of a decarbonized society, as typified by carbon neutrality, is one of the most important initiatives in sustainability management.
The Group is committed to green growth that enhances corporate value as well as achievement of a decarbonized society.

Improving corporate value through green growth

By FY2050: Achievement of carbon neutrality
By FY2030: New renewable energy generation facilities
(cumulative: 20 megawatts, ¥5 billion)

Reduction of CO₂ emissions
(-50% compared to 2013)*

Sustainable finance
(¥1 trillion cumulative since FY2020)

Shift to EVs for company vehicles (EV ratio: 20%)
By FY2023: Participation in GX league

*Covering Scopes 1 and 2

Challenges	Initiative themes
(Medium- to long-term) Strengthening the capacity to supply renewable energy to local companies Local production of renewable energy for local consumption	Theme 1 Promotion of decarbonization and renewable energy Theme 2 Strengthening of collaboration and support in the community Theme 3 Expansion of information disclosure
(Medium-term) Responding to the transition in the automotive industry, etc. Reduction of in-house CO₂ emissions
(Short-term) Rising energy prices

Challenges

Initiative themes

(Medium- to long-term)

Strengthening the capacity to supply renewable energy to local companies
Local production of renewable energy for local consumption

Theme 1

Promotion of decarbonization and renewable energy

Theme 2

Strengthening of collaboration and support in the community

Theme 3

Expansion of information disclosure

(Medium-term)

Responding to the transition in the automotive industry, etc.
Reduction of in-house CO₂ emissions

(Short-term)

Rising energy prices

Decarbonization Initiatives in Business Activities

Introduction of energy-saving and renewable energy equipment

We are promoting decarbonization in terms of hardware, such as energy conservation of lighting and air conditioning equipment and the introduction of renewable energy power generation facilities.

Kyoto Financial Group MUKOU Building

The building was completed as a suitable a decarbonization support base for the formation of Kyoto Prefecture Industrial Creation Leading Zone, "ZET-Valley."
Its energy-saving features include high-insulation exterior walls, highly efficient air conditioning equipment, and LED lighting, while the installation of solar panels on the roof and walls creates energy. This building is also the first in our group to receive "ZEB certification."

Solar panels (rooftop)

Solar carport

Solar panels (wall)

As part of our efforts to decarbonization, we have deployed all EV vehicles. Three EV cars and three EV bikes have been deployed, for our daily business activities.

One EV car share vehicle has been deployed on the premises. It will be used for business activities and will also be available to local residents as part of the local infrastructure.

An abbreviation for Net Zero Energy Building, this building aims to achieve a zero annual balance of primary energy consumption while providing a comfortable indoor environment.
The building has achieved ZEB certification by saving approximately 50% of its energy through the introduction of high-efficiency air conditioning equipment and switching to LED lighting, and by creating approximately 50% of its energy through solar power generation.

Higashinagaoka Branch

Higashinagaoka Branch (newly built in 2013) was recognized as an environmentally friendly store that achieved "zero CO₂ emissions" and received the "5th Energy Conservation and Lighting Design Award (2014)" sponsored by the Ministry of the Environment.

Higashinagaoka Branch

Light duct

Fixed-direction solar reflective skylight

Solar panels

External roller screen

Air Curtain

Status of introduction of renewable energy power generation facilities

	Number of locations where installation has been performed	Power generation capacity
Solar power generation equipment	38 locations	404.11kw

(As of May 2025)

Use of renewable energy for electricity

Starting in February 2024, we have switched the electricity used at five large locations, including the Kyoto Bank head office, to electricity generated from solar power within Kyoto Prefecture.

Electrification of commercial vehicles

In March 2024, we introduced 50 EV bikes to replace our gasoline motorcycles.We are working to achieve our goal of switching 20% of our company cars to EVs, while also working to switch to renewable energy for the electricity we use.

Initiatives That Consider the Community and Environment

In areas other than climate change, the Group is also promoting initiatives such as local production for local consumption, in addition to waste reduction, forest maintenance, and de-plasticization efforts.

Reuse of internal documents

Although we are working to reduce waste by promoting the paperless system, we still generate approximately 400 tons of internal documents and other materials as waste annually.
Since 2001, we have been recycling these paper wastes into toilet paper after confidential treatment and donating them to public elementary, junior high, and special-needs schools in Kyoto and Shiga prefectures. In FY2024, we donated approximately 270,000 rolls of toilet paper to 776 schools.

Uniform recycling

Uniform wear was discontinued in 2023, with the exception of some employees. Approximately 3,000 kg of uniforms collected from employees were recycled into useful resources such as low-carbon hydrogen and low-carbon ammonia.
This initiative was undertaken through the ARChemia® Project, a joint initiative by ITOCHU Corporation and Resonac Corporation, which contributes to resource recycling and decarbonization by eliminating the use of fossil fuel-derived energy in the ammonia production process, thus reducing CO₂ emissions by over 80%.

Promotion of local production for local consumption in Company cafeterias

Actively using locally produced goods not only contributes to the local economic cycle but also to the environment by reducing energy consumption during transportation.
The Group is registered under the Tanto Oagari Kyoto Prefecture Products system, which uses agricultural produce from Kyoto Prefecture, and the Oishii! KANSAI Supporting Companies system, which uses specialty agricultural and marine products from the Kansai area. By registering with these systems, we are working to promote local production for local consumption in the Company cafeteria, as well as instill an awareness of this principle among executives and employees through table-top stands and special menus.

Biodiversity initiatives

With regard to activities to conserve biodiversity, we are engaged in forest maintenance and also local environmental conservation volunteer activities in which sales branches take the initiative.
In addition, we support the Hacchohama Beach Cleanup, an event organized by Kyoto Sanga F.C., for which the Bank of Kyoto is a top sponsor. This event includes special lectures for elementary and junior high school students on the theme of marine litter and beach cleanup activities to raise awareness of marine plastic and other marine litter issues.
In addition to these activities, we are also promoting biodiversity conservation efforts through our business activities, such as investing in venture companies that are engaged in biodiversity conservation through funds managed by Kyoto Capital Partners.