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Green Finance

Environment–Related Funding

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Environment–related Funding Provided by MHBK
  End of Mar. 2015 End of Mar. 2016 End of Mar. 2017
Number Balance
(Millions of JPY)
Number Balance
(Millions of JPY)
Number Balance
(Millions of JPY)
Environment–related project finance 201 519,597 268 595,434 287 604,152
Wind power generation 48 196,674 51 190,151 45 176,638
Solar power generation 113 193,512 173 267,687 199 300,289
Solar thermal generation 6 45,685 6 43,119 6 35,195
Biomass power generation 2 1,900 3 3,990 7 7,005
Geothermal power generation 1 1,500 1 1,500 1 1,313
Hydroelectric power generation 3 803 3 1,986 1 1,898
Projects for the proper disposal of waste⁄ Recycling business 11 22,384 13 24,107 12 24,184
Others 17 57,139 18 62,895 16 57,630
Finance for environmentally–conscious companies* 723 104,436 482 74,155 309 57,810
Environment–related loans for individuals 2,313 43,029 2,206 39,862 1,967 35,077
Of which All–electric Housing Loans 1,935 42,565 1,854 39,447 1,688 34,793
Of which "MHBK Remodeling Loans" through remodeling an existing home to benefit the environment 109 154 99 135 88 112
Of which "MHBK New Car Loans" for purchasing of an environmentally friendly car 269 310 253 280 191 172
Total 3,237 667,062 2,956 709,451 2,563 697,039
  • Note: Foreign currency–denominated balances have been converted to Japanese yen at exchange rates as of each time.
  • *Including "Mizuho Eco Private Placement", "Mizuho Eco Private Placement Plus"

Environment–related projects

Leveraging its accumulated know–how in project finance, MHBK is proactively providing financing for such renewable energy projects as those involving solar power, solar thermal, and wind power generation. Regarding large–scale development projects, MHBK is working to ensure due consideration for the environment and society in accordance with the "Equator Principles."

Finance for Environmentally–Conscious Companies

MHBK offers "Mizuho Eco–Assist" and "Mizuho Eco Private Placement" environmentally conscious financing products to respond to the working capital and investment capital needs of companies that are practicing environmentally conscious management or proactively addressing environmental problems, and to companies investing in facilities to improve the environment.

In March 2011, under our "Mizuho Eco Grade" system, we began to use our own standards to evaluate the status of environmentally conscious management at customer companies and began to offer "Mizuho Eco–Assist Plus" and "Mizuho Eco Private Placement Plus" with terms and conditions based on "Mizuho Eco Grade" results.

The "Mizuho Eco Grade" system developed by MHIR to evaluate the environmentally conscious management efforts of customers is unique to Mizuho. It is characterized by its evaluation of a company's environmental capabilities in terms of both risks and opportunities, and by its triennial follow–ups for evaluating ongoing environmental initiatives. This serves as the basis upon which we offer companies advantageous capital procurement and support for their environmentally conscious management efforts.

Workflow for "Mizuho Eco Grade" Assessments

Offering Loans that Fund Initiatives Aimed at Preventing Global Warming and Promoting Energy Saving and Qualify for Interest Subsidies

MHBK provides loans that qualify for various interest subsidy programs. These include the Ministry of the Environment's "Interest Subsidies for Promoting Reduction of Environmental Risk," and "Interest Subsidies for Financing Environmental Risk Research." Other such subsidies are also provided under the "Subsidies for Promoting the Introduction of Specified Equipment for Improving Efficiency of Energy Usage" of the Agency for Natural Resources and Energy of the Ministry of Economy, Trade and Industry. These programs provide interest subsidies from the national government and other sources for environmentally conscious capital investment loans meeting certain requirements. Eligible loans include capital investment in facilities that prevent global warming, energy conservation, and other investments that have environmental protection objectives, including research on the environmental impact of projects. In addition, when providing finance for projects under the "Interest Subsidies for Financing Environment Risk Research" program, MHBK conducts environmental risk due diligence.

MHBK offers loans qualifying for similar interest subsidy programs of the Ministry of the Environment and the Agency for Natural Resources and Energy of the Ministry of Economy, Trade and Industry, thus helping companies that are taking initiatives to prevent global warming and promote energy conservation.

Providing of new fund–raising methods aimed at wider use of renewable energy sources

To assist in the development of a sustainable society, Mizuho is providing various types of support to expand the use of renewable energy. In June 2016, the Takara Leben Infrastructure Fund, which is investing mainly in mega solar power plants, became the first fund to list on the Infrastructure Fund Market of the Tokyo Stock Exchange. At that time, Mizuho provided its full support with MHSC acting a listing lead manager, MHTB performing the role of Administrator of the Investors' Registry, and MHBK taking the lead role in arranging the financing.

Environment–Related Loans for Individuals

In support of the efforts of individual customers make to protect the environment, MHBK has for some time now been offering loans with lower interest rates. These loans have been available for customers wanting to remodel an existing home, or build or purchase a new home, to benefit the environment — for example, through the use of solar power generation or all–electric power —, and the purchase of a hybrid or other environmentally friendly car. In fiscal 2010, we embarked on another initiative in this direction by implementing a system under which Mizuho will purchase 1.4 tons worth of domestic CO2 emissions credits for each eligible loan transaction, and donate them to the national government.

Under this initiative, the use of an MHBK loan benefits the environment not only through the environmentally friendly home or car purchased with the loan but also by contributing to the proactive environmental activities of Japanese companies, by invigorating J–Credit Scheme* (the Domestic Credit Scheme) and to the achievement of Japan's CO2 emissions reduction target.

  • *The Domestic Credit Scheme and the Offset Credit (J–VER; Japan's verified emissions reduction) Scheme was integrated in 2013.