Climate Change Data

Environmental Metrics

ESG Focus Areas

• SDGs
• Climate Change
• Diversity & Inclusion
• Community Development
• Environmental Protection
• Governance

Environmental Achievements

• Reduced paper use by approximately 7 million sheets during the year; approximately 600 trees planted.
• Endorsed the recommendations of the Task Force on Climate-related Financial Disclosure (TCFD).

Social Achievements

• Launched a deposit system to support guardianship (April 2020).
• Launched a website to support local products and services (July 2020).
• Launched an SDG diagnosis service for customers (December 2020).
• Introduced a side-job system to help secure a diverse workforce (April 2020).
• Investment in gender bonds issued by the Asian Development Bank.
• Awarded three stars in the “L Star” program for promoting women's activities.

Governance Achievements

• Established Harassment Prevention Regulations (June 2020).
• Established a system to ensure management transparency and objectivity through the Management Deliberation Committee and an Advisory Board.
• Established the AML (Anti-Money Laundering) Center (October 2020).
• Introduced the “Group Chief Officer System” to strengthen Group management control structure.

Climate Goals & Targets

Environmental Challenges

• Structural socioeconomic changes due to Japan’s shrinking and aging population and the maturing economy.
• Irreversible and drastic changes through digitalization, the COVID-19 pandemic, and the need to respond to deregulation and ESG/SDGs.
• COVID-19 impact on the Japanese economy (consumer spending down, manufacturing stagnated, corporate earnings fell, employment deteriorated).

Mitigation Strategies

• Launched the Iyogin Business Support Loan “Just” to support customers’ cash flow (April 2020).
• Established a COVID-19 support team to provide management support (April 2020).
• Developed a website to support local products and services (July 2020).
• Relocated eight branches to neighboring branches to optimize branch allocation.
• Transformed branches from administrative tasks to customer issue-solving centers.
• Introduced CUBE system for electronic signatures to simplify administrative procedures (April 2020).
• Expanded API collaboration with Fintech companies.
• Renewed Money Manager smartphone app and launched SAFETY card-loan app and HOME House Builder service.
• Fiscal 2021 Medium-Term Management Plan to create and provide new value.

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: TCFD

Awards & Recognition

• Three stars in the “L Star” program