Designing a disaster-resilient Japan

DBJ Enterprise Disaster Resilience Rated Loan Program (BCM Rated Loans)

Converting cost into value: When an organization invests its business resources in disaster prevention, business continuity plans, business continuity management, and crisis management, we see this not as cost, but as value – for the corporation and for society as a whole. Our aim is to see that a company’s strengths in disaster prevention and business continuity, which have been insufficiently appreciated in the past, are reflected in its corporate value.
Building a base for self-help efforts and the flow of information: BCM ratings improve our financial support to companies working creatively to help themselves. Ratings are an important signal as we construct an information-sharing platform through which to share our assessments of these firms.
Cooperation and support: For crisis response to meet the specific needs of Japanese communities, we are developing cooperation and support systems tailored to individual industries and regions.

* Resilience: Generally defined as recuperative or restorative power, here it refers to the ability of a company to adapt to environmental changes arising from disasters, natural and otherwise, and other crises – and to use these changes as opportunities to create a new, balanced environment.


The DBJ BCM Rated Loan Program is the world’s first financing menu to incorporate business continuity ratings. Using a proprietary screening system, DBJ rates enterprises on the quality of their disaster preparedness and business continuity management and offers financing conditions based on the results.

Designing a disaster-resilient Japan

Assessment scheme for enterprise resilience ratings

The scheme is divided into two parts: disaster prevention and enterprise resilience.

For disaster prevention, we ask about employee safety protections and legal initiatives. For enterprise resilience, we focus on steps taken as business strategies.

Section Item
Disaster risk reduction(DRR)
& prevention
  • A Corporate disaster prevention system
  • B Employee safety protections
  • C Participation in district and regional disaster prevention
  • D Disaster prevention drills and training (emergency response, first response)
  • E Good practice of DRR initiatives
  • F Compliance
Business Continuity Management
  • G Crisis management system
  • H Business impact analysis (BIA)
  • I Strategy on business continuity
  • J Good practice of BCP initiatives
  • K Risk management for supply chain and value chain
  • L Business continuity education, training and review
  • M Active risk communication and crisis management publicity
  • N Contribution to sustainable development
  • O Good practice of BCM initiatives

* Screening sheets are updated annually after consultations with outside experts and the outside authorities on the Advisory Committee to ensure that they incorporate the most recent trends in the field.

* Target clients
Clients who are located in Japan and meet the requirements established by DBJ.

* Use of funds
Same conditions as for ordinary loans; no special restrictions.