Management with a Focus on Environmental, Social and Governance Factors

「The Sustainability Promotion Committee met 5 times in fiscal 2025 to identify material issues that would contribute to enhancing corporate value and consider incorporating them into management strategy. Rather than treating social and environmental issues as mere social contributions, the committee addressed them as management issues related to the business model, competitive advantages, and sustainable revenue growth, and discussed them in light of the external environment, stakeholder expectations, global regulations and investor demands, and examples of corporate value creation in the financial industry.」

「2026年度より、中長期的な企業価値向上及び当社の気候移行計画の実効性向上を図る観点から、代表取締役（兼）社長執行役員COO及びサステナビリティ推進部管掌役員の業績連動報酬（賞与）の一部について、2050年ネットゼロに向けて設定した温室効果ガス削減目標に基づくGHG排出量（Scope１及びScope２）の削減達成度を評価指標として導入する予定であります。」

「As a result of strengthening efforts across the Group to address social and environmental issues through its businesses, the company was selected for inclusion in the FTSE Blossom Japan Sector Relative Index for the second consecutive year. The index is adopted by the Government Pension Investment Fund (GPIF), one of the world's largest pension funds, as a major ESG investment benchmark.」

「As a result of strengthening efforts across the Group to address social and environmental issues through its businesses, the company was selected for inclusion in the FTSE Blossom Japan Sector Relative Index for the second consecutive year. The index is adopted by the Government Pension Investment Fund (GPIF), one of the world's largest pension funds, as a major ESG investment benchmark.」

「To promote businesses and corporate activities aimed at sustainable economic development, integrate them with the company's DNA, and create a truly unique global company originating in Japan, the chair of the Sustainability Promotion Committee was changed to the director responsible for the global business and Senior Executive Officer. In March 2024, the Sustainability Promotion Department was newly established.」

「Since August 2023, the company has been switching all electricity used at Tokyo Ubiquitous Building, which houses its call center and operations functions, to electricity derived 100% in substance from renewable energy, using tracked non-fossil certificates, to reduce CO2 emissions. In December 2023, it also plans to introduce a similar level of renewable electricity at Kansai Ubiquitous Building, which performs the same functions as the Tokyo facility. These installations are expected to reduce 12% of the Group's 42% target for reducing GHG emissions by 2030 across the 6 Group companies, as disclosed by the company since June 2022 in its information disclosure aligned with the recommendations of the Task Force on Climate-related Financial Disclosures (TCFD).」

「The committee has 3 working groups: the Climate Change Strategy Promotion Working Group, the DE&I Promotion Working Group, and the Social Impact Promotion Working Group. Under a reporting and instruction relationship with the committee, they periodically submit recommendations on sustainability strategies and initiatives across the Group to the Representative Director and report to the Board of Directors as necessary.」

「In August 2021, the company established the Sustainability Promotion Committee as an advisory body for sustainability activities, chaired by the Representative Director and President and Chief Operating Officer. In May 2022, it endorsed the Task Force on Climate-related Financial Disclosures (TCFD) and joined the TCFD Consortium. In June 2022, based on the TCFD recommendations, it disclosed information on governance, strategy, risk management, and metrics and targets related to its response to climate change, thereby accelerating efforts across the Group to address social and environmental issues toward the realization of a sustainable society.」

「In addition, the Sustainability Promotion Committee, established in August 2021, is accelerating efforts across the Group to address social and environmental issues through its businesses.」

「Saison Capital Pte. Ltd., which invests in and provides financing to overseas early-stage startups, is expanding new investments while closely monitoring the COVID-19 situation. It has also launched an impact investment business for companies that provide financing to underserved individuals and micro, small and medium-sized enterprises, mainly in Asia, and has begun extending loans. Through these businesses, the company is promoting financial inclusion and initiatives related to the Sustainable Development Goals (SDGs) established by the United Nations, while continuing to pursue further challenges.」

「Saison Capital Pte. Ltd., which invests in and provides financing to early-stage startups overseas, primarily resumed new investments while closely monitoring the COVID-19 situation and launched an impact investment business providing necessary financing to underbanked individuals and micro, small and medium-sized enterprises, mainly in Asia. Through these businesses, we will promote efforts toward financial inclusion and the Sustainable Development Goals (SDGs) established by the United Nations, while continuing to pursue further challenges.」

「Through Saison Capital Pte. Ltd., which invests in and provides loans to early-stage overseas startups, the company is preparing to launch an impact investment business on a pilot basis. Through this business, it will contribute to achieving financial inclusion in emerging markets, particularly in Southeast Asia, while continuing its efforts toward the United Nations Sustainable Development Goals (SDGs).」

「We practice management with a focus on environmental, social and governance factors and aim to sustainably enhance the Company’s corporate value by contributing to the development of a more convenient and prosperous society.」

「We practice management with a focus on environmental, social and governance factors and aim to sustainably enhance the Company’s corporate value by contributing to the development of a more convenient and prosperous society.」

「We practice management with a focus on environmental, social and governance factors and aim to sustainably enhance the Company’s corporate value by contributing to the development of a more convenient and prosperous society.」

「We will practice management with a focus on environmental, social and governance factors and contribute to the development of a more convenient and prosperous society, with the aim of sustainably enhancing the Company’s corporate value.」