ESG Finance

Social Finance Framework

Policies established by AIFUL prior to the implementation of ESG financing, including the use of raised funds and project evaluation

Second Party Opinion

Second Party Opinion obtained from Japan Credit Rating Agency, Ltd.

Social Bonds

Amount issued
(￥)		 Paid-in date
Maturity date		 Maturity Period Interest rate
(%)		 Managing underwriter
66th 15 billion 2023/6/13
2026/6/12
 3 years 0.87 Nomura Securities Co., Ltd.
SMBC Nikko Securities Co. Ltd.
Mizuho Securities Co., Ltd

Social Loans

Lenders Borrowing Amount
(¥)		 Loan Origination Date Borrowing Period
Sumitomo Mitsui
Trust Bank, Limited 		4 billion 2023/9/25 3 years
The San-in Godo
Bank, Ltd. 		3 billion 2023/9/29 3 years
The Tochigi Bank, Ltd. 1 billion 2024/3/25 3 years
The Nanto Bank, Ltd. 500 million 2024/3/29 3 years
The Kiyo Bank, Ltd. 1 billion 2024/3/29 4 years
CSR/ESG
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