Climate Change Data

Environmental Metrics

ESG Focus Areas

• Social
• Governance

Social Achievements

• Held an amputee soccer experience event for employees, which was well-received.

Governance Achievements

• Successfully completed an IPO (Initial Public Offering) on the Tokyo Stock Exchange.

Climate Goals & Targets

Environmental Challenges

• Delayed financial statement announcement due to a sudden change in audit policy by the auditing firm.

Mitigation Strategies

• The company maintained a conservative approach to depreciation and allowances, resulting in understanding from financial institutions and management companies.

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• Not disclosed

Environmental Achievements

• Not disclosed

Social Achievements

• Launched a new product, "S series", utilizing personal credit information for improved accuracy and speed in creditworthiness assessments.
• Established a business partnership with Rakura Japan Co., Ltd. to provide services to Chinese residents in Japan.

Governance Achievements

• Strengthened internal control systems through employee training, human resource management, and operational procedure improvements.
• Enhanced credit assessment and debt management systems to mitigate risks and improve profitability.

Climate Goals & Targets

Environmental Challenges

• Decreased new contracts in the first quarter of fiscal year 2021 due to the impact of the COVID-19 pandemic.
• Increased competition in the rent debt guarantee industry.

Mitigation Strategies

• Developed new products and services (S series, J-Hospital, J-AKINAI) to expand revenue streams and market share.
• Implemented cost reduction measures to improve profitability.
• Strengthened credit assessment and debt management systems to mitigate risks.

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

• Governance
• Social
• Community Investment
• Wellbeing
• Sustainable Development Goals (SDGs)

Social Achievements

• Employee of the Human Resources Development Department won the grand prize in the "No One Left Behind" essay contest focusing on SDGs.
• Capital and business partnership with Marunouchi Yoromozu Co., Ltd. to develop new products and services related to housing and wellbeing.

Governance Achievements

• Successfully transitioned to the Prime Market of the Tokyo Stock Exchange.
• Launched a new three-year plan focusing on business growth and stakeholder trust.

Climate Goals & Targets

Environmental Challenges

• Changes in customer requests from focusing on approval rate and speed to emphasizing preventing delinquency and thorough screening.
• The impact of the COVID-19 pandemic on business operations and customer needs.

Mitigation Strategies

• Implementing a new three-year plan to address the challenges and maintain growth.
• Focusing on strengthening the foundation (people, data, DX) and improving corporate value.
• Developing new products and services in collaboration with Marunouchi Yoromozu Co., Ltd. to meet evolving customer needs.

Supply Chain Management

Climate-Related Risks & Opportunities

UN Sustainable Development Goals

• SDG 11: Sustainable Cities and Communities
• SDG 8: Decent Work and Economic Growth
• SDG 10: Reduced Inequalities

The company's initiatives contribute to these goals through its focus on providing housing security, promoting wellbeing, and creating a more inclusive society.

Sustainable Products & Innovation

• Portable rent guarantee product

Environmental Metrics

ESG Focus Areas

• Climate Change

Environmental Achievements

• Started transitioning company cars to electric vehicles (EVs) in 2023.
• Implemented measures to reduce paper usage (promoting electronic applications, contracts, and viewing of meeting materials).

Governance Achievements

• Established an environmental management governance system with the board of directors at the top.

Climate Goals & Targets

Environmental Challenges

• Increased costs due to government climate change measures (e.g., carbon tax).
• Delays in service development leading to customer loss.
• Delays in construction of rental properties due to rising material costs.
• Reputational damage due to insufficient climate action.
• Increased costs due to higher electricity usage from rising temperatures.

Mitigation Strategies

• Continuous information gathering and analysis to respond quickly to changes in the environment and circumstances.
• Implementing GHG emission reduction measures (e.g., transitioning to EVs, adjusting indoor temperatures, improving operational efficiency, reducing paper usage, promoting eco-driving).

Supply Chain Management

Climate-Related Risks & Opportunities

Physical Risks

• Widespread natural disasters (e.g., typhoons)
• Local water damage
• Building collapse
• Increased electricity usage due to rising temperatures

Transition Risks

• Strengthened GHG reduction regulations
• Increased costs from carbon tax

Opportunities

• Development of new businesses and products responding to climate change risks in rental real estate.
• Market activation through the emergence of rental properties with new technologies.

Reporting Standards

Frameworks Used: TCFD

Environmental Metrics

ESG Focus Areas

• CSR
• SDGs
• Community Contribution
• Sustainability

Environmental Achievements

• Not disclosed

Social Achievements

• Established J-Lease scholarship fund
• Not disclosed

Governance Achievements

• Not disclosed

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

• Shifting to EVs for company cars
• Implementing air conditioning time management
• Reducing paper usage through digitization
• Calculating CO2 emissions and implementing emission reduction measures

Social Achievements

• Promoting employment of people with disabilities
• Promoting women's active participation
• Communication with local communities
• Supporting a social soccer team (J-lease FC)

Governance Achievements

• Strengthening risk management systems
• Strengthening management and supervision functions
• Ensuring the effectiveness of internal control processes

Climate Goals & Targets

Environmental Challenges

• Potential impact of economic downturn on tenant businesses, affecting default payments
• Potential impact of inflation on tenant businesses

Mitigation Strategies

• Appropriate risk control through credit screening and debt management
• AI analysis-based credit screening for improved accuracy
• Preparing for AI analysis introduction in debt management for efficiency and effective debt collection

Supply Chain Management

Climate-Related Risks & Opportunities