ESG Information Index

Management

Management Policy
  • Management greeting
Link
  • Corporate philosophy
Link
  • Business Model
Link
  • Mid-Term Plan
Link
  • Mid-Term Plan (ESG)
Link
Link
  • CSR management
    • Aozora's CSR policy
    • Basic policy
Link

Environment

Environmental Conservation Initiatives
  • Reduction of CO2 emissions and energy consumption
  • Recycling of waste material
Link
  • Promotion of paperless operations
Link
Environmental Business
  • Participation in renewable energy-related deals (project finance)
Link
  • Aozora co-finance earthquake-resistant and environmentally-friendly real estate promotion project
Link
Participation in Outside Initiatives
  • Principles for Financial Action for the 21st Century
Link

Society

Aozora Bank Group's Basic Policy for Customer Oriented Business Management
  • Basic policy
  • Development of appropriate frameworks
  • Follow-up activities
Link
  • Solicitation policy
Link
(Japanese only)
  • Exclusive retail sales training programs
  • Improvements based on customer feedback
Link
Improving Customer Satisfaction
  • Voice-of-the-customer program
  • Case studies
Link
(Japanese only)
  • Customer satisfaction surveys
Link
(Japanese only)
Customer Protection Management
  • Basic policy
  • Director responsible for customer protection management
  • Customer protection management framework
  • Validation of newly introduced products/services and customer explanation management
  • Customer support management
  • Protection of customer accounts and compensation for damages
Link
Supporting Senior Citizens and People with Disabilities
  • Installation of assistive devices in all sales branches (e.g. writing and communication boards, wheelchairs)
  • Dementia support training for sales staff
Link
  • Fax service
Link
(Japanese only)
  • Other support
Link
Aozora-Sophia Senior Consumption Trend Index   Link
Customer-friendly improvements
  • Expansion of ATM services
  • Enhanced security
Link
  • Promoting a cashless society
Link
Providing Sophisticated Services at Lower Prices
  • GMO Aozora Net Bank, Ltd. (services for retail customers)
Link
  • GMO Aozora Net Bank, Ltd. (services for corporate customers)
Link
Support for SMEs
  • Initiatives for customers' continued growth and development
Link
(Japanese only)
  • Compliance with the "Guidelines for Personal Guarantee Provided by Business Owners"
Link
(Japanese only)
  • Support for business succession and reorganization
Link
Reinvigoration of Regional Economies
  • Cooperation with regional financial institutions
  • Aozora Seminar
Link
  • Allied Banking Group activities
Link
  • Portfolio Management Innovation Office (PMIO)
Link
Finance Support for Regional Medical Facilities   Link
Privacy and Information Security
  • Customer personal information management
    • Basic policy
    • Information Asset Supervisor
    • Supervisory and monitoring framework
    • Employee training
Link
  • Policy on personal information protection, basic policy on proper handling of specific personal information
Link
(Japanese only)
  • Policy on sharing customer information
Link
(Japanese only)
  • System risk management
Link
Outsourcing Management   Link
HR Strategy
  • Basic policy
  • HR system and career development
  • HR development
  • Recruitment
  • Diversity initiatives
Link
Aozora Group Work Style Reforms
  • Objectives
Link
  • New work style: work wherever, whenever
    • "Work from Home and Mobile Work" program
    • Expansion of the "Flex-time" program
    • Efficient work style by focusing on priorities
    • Proper attendance management
  • Actions for Diversified Work Styles
    • Support for balancing work with nursing care/parenting
    • Aozora Job Return program
    • Talent development for global business
    • Recruiting employees with disabilities
    • Employee healthcare management and the stress check program
  • Data on Aozora Bank employees
Promoting opportunities for Female Employees
  • Basic policy
  • Promotion Manager
  • Female employees at Aozora
    • Difference in length of service between male and female employees
    • Female recruits
    • Percentage of female employees
    • Female managers
  • Measures for encouraging active participation of female employees
Link
  • Aozora Bank's "Act to Advance Women's Success in Working Life"
Link
Promoting Human Rights Awareness
  • Human Rights Awareness Committee
  • Internal training programs
Link
Contributing to Society
  • Support for areas affected by earthquake, storm, and flood disasters
  • TABLE FOR TWO Initiative
  • Support for Special Olympics Nippon
  • Support for UN-Habitat and the Japan Habitat Association
Link
  • Developing closer regional relationships
Link
Developing the Next Generation and Financial Education
  • Internships for international students from Asia
  • Participation in Nagoya University’s internship program
  • Collaboration with Sophia University
Link
Policies for Collaboration and Alliances with Electronic Payment Agencies   Link

Governance

Corporate Governance
  • Basic Policy
  • Corporate Governance Structure
    • Nomination and Remuneration Committee
    • Audit and Compliance Committee
    • Management Committee
  • Main concurrent posts and reasons for appointment of Outside Directors and Outside Audit and Supervisory Board Members
  • Analysis and evaluation of Board effectiveness
  • Policy and procedure for determining remuneration for Directors as well as Audit and Supervisory Board Members
Link
Remuneration
  • Disclosure related to remuneration
Link
  • Equity compensation type stock option
Link
  • Executive share ownership plan
Link
  • Employee share ownership plan
Link
(Japanese only)
Stakeholder
  • Retail investor presentation meeting
Link
Risk Appetite Framework
  • Management plan
  • Monitoring
Link
Risk Management   Link
Business Continuity Management
  • Business continuity plan
  • Crisis Management Center
Link
Legal and Compliance Management System
  • Code of conduct & ethics
  • Basic policy: legal compliance
  • Internal Administration Supervisor
  • Legal compliance framework
  • Insider trading prevention
Link
  • Anti-money laundering and anti-terrorism financing policy, prevention of transactions with anti-social elements
Channel for Whistleblowers
  • Aozora Hotline program, Compliance monitoring program
Bribery Prevention   Link
Conflict of Interest Management
  • Conflict of interest management policy
  • Management, reporting structure
Link
  • Judgment criteria (types of transactions)
Link
Internal Audit Framework
  • Internal audit policy
  • Internal audit system
  • Reporting structure, exchanging information with Audit and Supervisory Members
  • Enhancing Auditors' expertise and audit standards/capabilities
Link
Information Disclosure Policy
  • Basic policy and framework for information disclosure
  • Information disclosure procedure
Link

ESG Information Index

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