Climate Change Data

Environmental Metrics

ESG Focus Areas

• Corporate governance
• Social responsibility (child support)
• Sustainability

Social Achievements

• Supports room search for those without guarantors.
• Supports job search in partnership with the Japan Single Mother Support Association.
• Provides living consultations tailored to individual needs.

Governance Achievements

• Strengthened compliance system
• Expanded Compliance Committee
• Enhanced whistleblowing system
• Regular compliance training implemented

Climate Goals & Targets

Environmental Challenges

• Increased allowance for doubtful accounts due to the effects of COVID-19
• Lower recovery rate due to COVID-19
• Increased lawsuit/dispute expenses

Mitigation Strategies

• Reduce allowance for doubtful accounts by cutting uncollected loans
• Review of unprofitable agencies
• Improve profitability by suppressing the occurrence of delinquency

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• SDGs
• ESG

Climate Goals & Targets

Environmental Challenges

• Market capitalization of tradable shares does not meet the listing maintenance criteria for the Prime Market.

Mitigation Strategies

• Formulate a medium-term management plan (February 2022 – January 2025) to improve corporate value and obtain appropriate evaluation in the stock market.
• Promote real estate DX (Develop contract management system, promote online functions, productivity improvement by RPA & AI-OCR)
• Stable and continuous dividends
• Aggressive IR activities (Semi-annual company information sessions, quarterly individual interviews, electronic voting platform)
• Continuing efforts for SDGs and ESG

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

Climate Goals & Targets

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• ESG and SDGs
• Children's welfare
• Single mothers' support
• Real estate DX (Digital Transformation)

Social Achievements

• Launched child support guarantee service to protect children's future and support single mothers.
• Provided information and support for single mothers in finding housing and employment through collaborations with the Single Mother Association.

Governance Achievements

• Efforts for improvement to meet TSE market restructuring policy requirements (Prime Market maintenance standards).

Climate Goals & Targets

Environmental Challenges

• Review of agents with poor profitability.
• Extended proposal resolution due to the state of emergency.

Mitigation Strategies

• Review of unprofitable agencies.
• Improving recovery rate to control delinquency rate.

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• SDGs
• ESG

Environmental Achievements

• Reduced food loss by moving contracts online and promoting paperless processes; cooperated with food bank organizations.

Social Achievements

• Strong supporter of single parents and children.
• Established a Director Nomination and Compensation Committee and a Compliance and Risk Management Committee.

Governance Achievements

• Established a Director Nomination and Compensation Committee and a Compliance and Risk Management Committee; conduct in-house training; introduced an electronic voting platform for annual shareholders’ meetings.

Climate Goals & Targets

Environmental Challenges

• Market capitalization of tradable shares decreased, not meeting continued listing criteria; decrease in tradable share ratio.

Mitigation Strategies

• Revised medium-term management plan to strengthen investment for growth and reduce costs; active hiring of sales personnel; new store openings; compression of balance of receivables; new system investment for self-managing landlords; dialogue with shareholders to restore tradable share ratio; improved communication with investors through briefings and English IR materials.

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• Not disclosed

Environmental Achievements

• Not disclosed

Social Achievements

• Started a new job placement business to advance the objective of “protecting children’s futures” and promote economic autonomy of single-parent households.

Governance Achievements

• Increased the number of Directors by one to further enhance the management system. Elected Ako Iida as an outside Director.

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

• Promoting a paperless society by providing online services, reducing paper consumption and environmental burden.

Social Achievements

• Creating a safe living environment through rent guarantee and child support guarantee.
• Eliminating the need for joint guarantors, striving to create a society where everyone can live with peace of mind.

Governance Achievements

• Achieving highly transparent management by strengthening legal compliance and information management.
• Operating the Compliance and Risk Management Committee and conducting training.
• Introducing a whistle-blowing system to third parties.

Climate Goals & Targets

Environmental Challenges

• Increased reimbursement claims due to an increase in new contracts and expansion in the number of policies held.
• Increased reimbursement claims due to temporarily refraining from payment guidance services.

Mitigation Strategies

• Enhanced collection of long-term reimbursement claims.
• Current deposit guidance operations have returned to normal.

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• Environment
• Social
• Governance

Environmental Achievements

• Establishment of paperless operations and reduction of CO2 emissions through collaborations with food bank organizations

Social Achievements

• Participated in a food bank organization as a sponsor and provided food assistance to residents; Rent guarantee and child support guarantee services contributing to a safe living environment

Governance Achievements

• Achieving highly transparent management by complying with laws and regulations and strengthening information management; Strengthening the system by inviting experts and former police officers to be members of the Compliance and Risk Management Committee and providing training

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