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Sustainability Finance

In its Medium-Term Management Plan, "JP Vision 2025", The Japan Post Group sets itself the ESG targets of building a sustainable society by providing lifelong support in an era of 100-year lifespan, and contribute to the development and revitalization of local communities all over Japan, and committed itself to the implementation of Sustainability Management.

To raise funds for the development of a sustainable society, the Group is considering issuing green bonds, social bonds, and sustainability bonds and providing green loans, social loans, and sustainability loans (these bonds and loans are hereinafter referred to as "sustainability financing").

The Group seeks to realize the Japan Post Group Management Philosophy through the implementation of "Sustainability Management". We aim to contribute to our own sustainable growth and the realization of a sustainable society through assessment from a medium-to-long-term perspective of the impact of our business environment and social issues on Group management. We have developed the framework to realize the vision set out in "JP Vision 2025" through financing.

Following the development of the framework, Japan Post Holdings Co., Ltd. plans to offer sustainability financing through it. The Company believes that the funding is consistent with our Sustainability Management and will contribute to addressing social issues and creating a decarbonized and sustainable society.

Sustainability financing framework(Japanese) [PDF:566KB]

As described above, the Company has developed the sustainability financing framework.
The framework has been developed under the following principles, etc.

Green Bond Principles 2021
Green Loan Principles 2021
Green Bond Guidelines 2022 edition
Green Loan Guidelines 2022 edition
Social Bond Principles 2021
Social Loan Principles 2021
Social Bond Guidelines 2021 edition
Sustainability Bond Guidelines 2021

Japan Credit Rating Agency, Ltd. has confirmed that the framework meets the criteria set out in the principles, etc. above.

The sustainability financing framework's conformity to the principles, etc. has been endorsed by an external organization, Japan Credit Rating Agency.

Second-party opinion(Japanese)

Japan Post Holdings Co., Ltd. has issued green bonds under its sustainability financing framework to contribute to creating a decarbonized society, resolving social issues, and developing a sustainable society.

(1) Name	Japan Post Holdings Co., Ltd. First series of bonds (Secured bond) (Green bonds)	Japan Post Holdings Co., Ltd. 2nd series of bonds (Secured bond) (Green bonds)	Japan Post Holdings Co., Ltd. 3rd series of bonds (Secured bond) (Green bonds)
(2) Maturity	5 years	10 years	20 years
(3) Amount	15.0 billion yen	15.0 billion yen	5.0 billion yen
(4) Interest rate	0.255%	0.469%	0.984%
(5) Pricing date	Friday, August 26, 2022
(6) Issue date	Thursday, September 1, 2022
(7) Redemption date	Wednesday, September 1, 2027	Wednesday, September 1, 2032	Monday, September 1, 2042
(8) Use of funds	Used for the Kuramae 1-chome Development Project and the Gotanda development plan
(9) Rating acquired	AA+ (Japan Credit Rating Agency, Ltd.)
(10) Lead managing underwriter	Mizuho Securities Co., Ltd., Mitsubishi UFJ Morgan Stanley Securities Co., Ltd., Daiwa Securities Co. Ltd. and Nomura Securities Co., Ltd.
(11) Structuring agent*1	Mizuho Securities Co., Ltd.
(12) External recognition	The sustainability financing framework has acquired SU 1 (F), the top rating, of "JCR Sustainability Finance Framework Evaluation" from Japan Credit Rating Agency, Ltd. (JCR), a third-party organization.

*1 The structuring agent is a company that supports the issuance of the bonds through the establishment of a framework, the provision of advice regarding the obtainment of second-party opinions, and other means.

A report on the use of funds and the impact are disclosed.