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Against the backdrop of the increasingly active efforts being made in Japan and overseas to protect the global environment, companies are proactively promoting environmental friendliness promotion efforts. Mizuho believes that part of the financial institution's social mission is to provide financial support for these efforts.

For example, MHBK has devised environment–friendly loan products, such as "Mizuho Eco–assist" and "Mizuho Eco–Assist Plus" to provide support from a financial perspective for SME clients promoting environment–friendly efforts. It is also involved in other diverse efforts, such as those to provide environment–related project finance for solar power, solar thermal, and wind power generation.

Environment–related Funding Provided by MHBK
  End of Mar 2014 End of Mar 2015
Number Balance
(Millions of JPY)
Number Balance
(Millions of JPY)
Environment–related project finance 128 329,685 201 519,597
Wind power generation 39 120,356 48 196,674
Solar power generation 54 107,654 113 193,512
Solar thermal generation 6 47,790 6 45,685
Biomass power generation 2 1,269 2 1,900
Geothermal power generation 1 1,250 1 1,500
Hydroelectric power generation 2 696 3 803
Projects for the proper disposal of waste/ Recycling business 11 17,745 11 22,384
Others 13 32,926 17 57,139
Finance for environmentally–conscious companies* 733 78,718 716 63,758
All–electric housing loans 2,030 46,112 1,935 42,565
"MHBK Remodeling Loans" through remodeling an existing home to benefit the environment 110 176 109 154
"MHBK New Car Loans" through purchasing of an environmentally friendly car 261 332 269 310
Total 3,262 455,023 3,230 626,384
  • 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"

Supporting Environmentally Conscious Management through "Mizuho Eco–Assist Plus" (MHBK)

MHBK offers "Mizuho Eco–Assist"and "Mizuho Eco Private Placement" environmentally conscious financing products with below–market interest rates 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 to offer "Mizuho Eco–Assist Plus" and "Mizuho Eco Private Placement plus" with terms 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.

Leveraging Expertise to Implement Project Financing for 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 environment–friendliness in accordance with the "Equator Principles."

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.

Establishment of Mizuho Megasolar Fund

Leveraging the knowledge it has gained in connection with numerous projects as a front–runner in the financing of solar power generation businesses, MHBK has established the "Mizuho Megasolar Fund" to meet the equity needs of solar power generation businesses in Japan.

Providing a Way to Help the Environment through the Use of Personal Loans and Other Means

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.

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