Bywill to Supply J-Credits for 'Kyushu J-Credit Deposit,' a Joint Initiative by Four Regional Banks in Central and Southern Kyushu

Bywill Co., Ltd. (Headquarters: Chuo-ku, Tokyo; President and CEO: Yuichiro Shitomura; hereinafter "Bywill"), a company dedicated to advancing economic cycles through environmental value and realizing a world where "everyone wants to engage in GX (Green Transformation)," announces its role in supplying and selling J-Credits for the environmentally conscious deposit product "Kyushu J-Credit Deposit." This product will be jointly launched by Kumamoto Bank, Ltd., Oita Bank, Ltd., Miyazaki Bank, Ltd., and Kagoshima Bank, Ltd., with operations commencing on Friday, July 10, 2026.

This initiative marks the first of its kind in Kyushu and is Japan’s first wide-area collaborative deposit product that awards J-Credits, based on the "Agreement on Regional Circulating and Symbiotic Zones in Central and Southern Kyushu" (※1) signed by the four banks. Leveraging its extensive expertise in J-Credits (※3)—one of Japan’s most established carbon credit systems—Bywill will fully support the provision of carbon credits (forest credits) and carbon offset mechanisms for corporate customers who deposit funds through this product.

※1: Agreement on Regional Circulating and Symbiotic Zones in Central and Southern Kyushu https://kyushu.env.go.jp/to_2020/post_196.html

※2: Kumamoto Bank Press Release (Launch of 'Kyushu J-Credit Deposit') https://www.higobank.co.jp/article/newsrelease/files/b28d0f2103e60374e598e3d52954a86bf4080c78.pdf

Oita Bank Press Release (Launch of 'Kyushu J-Credit Deposit') https://www.oitabank.co.jp/news/article/news/2026/pdf/20260709_001.pdf

Miyazaki Bank Press Release (Launch of 'Kyushu J-Credit Deposit') https://www.miyagin.co.jp/cms-hjeg2ccyg8jy/wp-content/uploads/2026/07/20260709.pdf

Kagoshima Bank Press Release (Launch of 'Kyushu J-Credit Deposit') https://www.kagin.co.jp/library/pdf_release/2026/news20260709_186_1.pdf

※3: J-Credits are government-certified credits representing greenhouse gas emission reductions or absorption achieved through corporate decarbonization activities such as energy-efficient equipment installation and renewable energy utilization.

【Background and Bywill’s Role】

Kumamoto Bank, Oita Bank, Miyazaki Bank, Kagoshima Bank, and the Kyushu Regional Environmental Office signed the "Agreement on Regional Circulating and Symbiotic Zones in Central and Southern Kyushu" in 2020, and have since continued efforts toward regional revitalization and ESG finance.

Bywill advances partnerships with regional financial institutions nationwide, centered on the concept of "local production and local consumption of environmental value." In this initiative, Bywill will procure and supply "forest credits" generated in the four regions of Kumamoto, Oita, Miyazaki, and Kagoshima. Through this deposit product, corporate depositors can directly contribute to forest development and conservation efforts in Kyushu—achieving carbon offset—simply by depositing funds, thereby realizing a sustainable economic cycle that leverages regional environmental value.

【Product Overview: Kyushu J-Credit Deposit】

Product Name: Kyushu J-Credit Deposit

Eligibility: Corporate customers

Available to: New depositors

Total Offering Amount: 3 billion JPY per bank (12 billion JPY total across four banks)

※Applications will close once the target amount is reached

Application Period: July 10, 2026 (Fri) to October 9, 2026 (Fri)

Deposit Term: 1 year

Deposit Amount: Minimum 50 million JPY (in 50 million JPY increments)

Interest Rate: Standard posted rate for large time deposits

J-Credit Allocation: - 5 t-CO2 credits awarded per 50 million JPY of principal at maturity - Forest credits generated in Kumamoto, Oita, Miyazaki, or Kagoshima - Credits delivered by the end of the second month following the maturity month

【Banks Offering the Product (Joint Initiative)】

Kumamoto Bank, Ltd. (Headquarters: Kumamoto City, Kumamoto Prefecture)

Oita Bank, Ltd. (Headquarters: Oita City, Oita Prefecture)

Miyazaki Bank, Ltd. (Headquarters: Miyazaki City, Miyazaki Prefecture)

Kagoshima Bank, Ltd. (Headquarters: Kagoshima City, Kagoshima Prefecture)

【Future Outlook】

Bywill views its support for this wide-area environmentally conscious deposit initiative in Kyushu as an advanced model case. The company will further deepen collaboration with regional financial institutions across Japan. By expanding the "local production and local consumption of environmental value"—circulating regionally generated carbon credits within local economies—nationwide, Bywill aims to contribute to sustainable regional revitalization and the achievement of Japan’s 2050 carbon neutrality goal.

Additionally, Bywill will provide end-to-end support—from J-Credit creation and procurement to business model development—enabling companies to transform decarbonization efforts from a cost into a driver of corporate value. Bywill will continue to lead the creation of new economic cycles, helping realize a world where everyone wants to engage in GX.

【Overview of the Five Organizations】

＜Kumamoto Bank Overview＞

Company Name: Kumamoto Bank, Ltd.

Headquarters: 1 Ribentcho, Chuo-ku, Kumamoto City, Kumamoto Prefecture

Corporate Website: https://www.higobank.co.jp/

Representative: President and CEO Keiku Kasahara

Business: Banking

＜Oita Bank Overview＞

Company Name: Oita Bank, Ltd.

Headquarters: 3-4-1 Funaicho, Oita City, Oita Prefecture

Corporate Website: https://www.oitabank.co.jp/

Representative: President and CEO Yasuhide Takahashi

Business: Banking

＜Miyazaki Bank Overview＞

Company Name: Miyazaki Bank, Ltd.

Headquarters: 4-3-5 Tachibana-dori Higashi, Miyazaki City, Miyazaki Prefecture

Corporate Website: https://www.miyagin.co.jp/

Representative: President and CEO Koji Sugita

Business: Banking

＜Kagoshima Bank Overview＞

Company Name: Kagoshima Bank, Ltd.

Headquarters: 6-6 Kanesuna-cho, Kagoshima City, Kagoshima Prefecture

Corporate Website: https://www.kagin.co.jp/

Representative: President and CEO Hiroko Ikariyama

Business: Banking

＜Bywill Overview＞

Company Name: Bywill Co., Ltd.

Headquarters: 4F, Hulic Ginza 7-chome Building, 7-3-5 Ginza, Chuo-ku, Tokyo

Corporate Website: https://www.bywill.co.jp/

Representative: President and CEO Yuichiro Shitomura

Business: Environmental Value Creation Support (e.g., carbon credit development), Environmental Value Trading (procurement and brokerage), GX Consulting, Brand Consulting

【Inquiries Regarding This Release】

Bywill Co., Ltd. Public Relations

Email: [email protected]

TEL: 03-6262-3584 (Main Line)