Climate Change Data

Environmental Metrics

ESG Focus Areas

• Environmental
• Social
• Governance

Environmental Achievements

• Paperless initiatives through workflow systems and laptop usage for field staff, reducing paper consumption.
• Reduced energy usage through area-specific office lighting and air conditioning management.

Social Achievements

• Launched Web media "SiN" for single-parent households, expanding to Instagram for broader reach.
• Held online "mock divorce consultation" event on YouTube Live to provide information on child support.

Governance Achievements

• Not disclosed

Climate Goals & Targets

Environmental Challenges

• Restrictions on business activities due to the COVID-19 pandemic, impacting new customer acquisition.

Mitigation Strategies

• Continued investment in human resources and core business system upgrades to support growth despite challenges.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Not disclosed

Environmental Metrics

ESG Focus Areas

• Not disclosed

Environmental Achievements

• Not disclosed

Social Achievements

• Not disclosed

Governance Achievements

• Not disclosed

Climate Goals & Targets

Environmental Challenges

• Increased loan losses due to increased subrogation resulting from the growth of rent debt guarantees and delinquency of some high-value properties. Increased costs associated with the opening of the Hamamatsu Solution Center and Tokyo head office Ichibancho ANNEX. Investment in BtoC marketing for child support guarantees.

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Not disclosed

Environmental Metrics

ESG Focus Areas

• Not disclosed

Environmental Achievements

• Recovered 9.64kg of used contact lens cases (9,640 cases) from 2017 to 2022 through participation in the 'Aicity eco project'.

Social Achievements

• Not disclosed

Governance Achievements

• Not disclosed

Climate Goals & Targets

Environmental Challenges

• Restrictions on business activities due to the prolonged COVID-19 pandemic, leading to delays in acquiring new contracts for medical expense guarantees and similar challenges with care expense guarantees.

Mitigation Strategies

• Utilizing online tools, but acknowledging limitations in increasing customer contact. Focusing on risk hedging and market development for business expansion.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Not disclosed

Environmental Metrics

ESG Focus Areas

• SDGs
• Employee Well-being
• Social Contribution

Environmental Achievements

• Not disclosed

Social Achievements

• Sponsorship of the 'Tontu Festival', an event focused on solving social issues in the welfare field.
• Initiatives to improve employee well-being, including suppressing long working hours and promoting annual paid leave.

Governance Achievements

• Selection as a constituent stock of the JPX-Nikkei Index 400 in fiscal year 2021.

Climate Goals & Targets

Environmental Challenges

• Increasing competition among rent guarantee companies.
• Potential saturation of the residential rent guarantee market in the future.

Mitigation Strategies

• Expanding into new guarantee markets (medical expenses, nursing care expenses, child support) to mitigate the risk of saturation in the residential rent guarantee market.
• Improving the value-added services and increasing the number of guarantee contracts to increase sales in the rent guarantee business.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Not disclosed

Environmental Metrics

ESG Focus Areas

• Environment
• Social
• Governance

Environmental Achievements

• Reduced paper usage through workflow system implementation and paperless initiatives (details not quantified).

Social Achievements

• Launched internal business proposal system ('ESP') leading to new business development (e.g., child support guarantee).
• Implemented childcare leave and support programs, including e-learning.
• Promoted women's leadership through management training.
• Implemented work-style reforms, including reduced overtime and promotion of paid leave.
• Introduced flexible work arrangements (shift work, flextime, telework).
• Supported disabled employees through telework and other initiatives.
• Maintained 100% participation rate in annual health checkups and stress checks.
• Participated in social contribution activities (e.g., HOYA's eco-project, vaccine donation).

Governance Achievements

• Emphasis on maintaining compliance and maximizing shareholder value.
• Established a nomination and compensation committee with a majority of outside directors.

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Not disclosed

Environmental Metrics

ESG Focus Areas

• Environment
• Social
• Governance

Environmental Achievements

• Hybrid vehicle ratio (company-owned) -> 100%

Social Achievements

• Promote the resolution of social issues through realization of the guarantee business
• Ratio of male employees taking childcare leave / Average number of days taken -> 100％ / 7 days

Governance Achievements

• Promote the continued strengthening of corporate governance
• Number of female directors -> 2
• Ratio of female managers -> 15%

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: TCFD

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Not disclosed