ESG Information Index

Management

Management Policy
  • Management greeting
Link
  • Management Philosophy
Link
  • Business Model
Link
  • Mid-Term Plan
Link
  • SDGs/ESG Initiatives
    • Basic Policy for SDGs/ESG Initiatives
Link

Non-financial Highlights

Non-financial data
  • ESG Highlights
Link
  • Data on Aozora Bank employees
Link
  • Reduction of CO2 emissions and energy consumption
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
  • Coal-fired Power Plant Project Finance Policy
Link
Participation in Outside Initiatives
  • Principles for Financial Action for the 21st Century
Link
  • Task Force on Climate-Related Finacial Disclosures (TCFD)
Link
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)
  • Improvements based on customer feedback
  • Exclusive retail sales training programs
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
Link
  • Sign Language Interpretation Services for Customers with a Hearing Impairment
Link
Link
  • Fax service
Link
(Japanese only)
  • Other support
Link
Customer-friendly improvements
  • Enhancing Serivice Channels
Link
  • Enhanced security
Link
  • Paperless Processing of Investment Trusts and Life Insurance
Link
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
  • “BANK”, new money service for retail 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
  • 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
  • "MSCI Japan Empowering Women Index (WIN)"
Link
  • "Eruboshi" Certification
Link
Student Loan Repayment Assistance Program for New Employees Link
Promoting Human Rights Awareness
  • Human Rights Awareness Committee
  • Internal training programs
Link
Contributing to Society
  • Partnerships with Various Stakeholders
Link
  • Developing closer regional relationships
Link
Developing the Next Generation and Financial Education
  • Participation in Internship Programs Offered by Meiji University, Sophia University and Nagoya University
Link
Aozora-Sophia Senior Consumption Trend Index   Link
Joint Research Project in Field of "Financial Gerontology" with Sophia University   Link
Joint Banking Seminar with Sophia University   Link
Link
Policies for Collaboration and Alliances with Electronic Payment Agencies(Open API)   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
  • Stakeholder Communication
Link
  • Retail investor presentation meeting
Link
(Japanese only)
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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