Non-financial Information Index

Environmental Data (bank offices located in Japan)

Category			FY2020	FY2021	FY2022 (preliminary)
Greenhouse gas emissions (t-CO₂)	Scope 1 (direct energy consumption)		114	110	106
	Scope 2 (indirect energy consumption)^*1		6,243	4,884	4,267
	Scope 3 (1. Purchased goods and services)^*2		92	85	83
		(2. Capital goods)^*3	4,893	6,508	2,191
		(3. Fuel- and energy-related activities)^*4	1,121	1,122	1,084
		(5. Waste generated in operations)^*5	25	25	26
		(6. Business travel) ^*6	64	64	135
		(7. Employee commuting)^*7	-	295	379
		(15. Investment portfolio)	Please refer to “Response to TCFD Recommendations.”
Direct energy consumption	City gas (thousand ㎥)		20	19	13
	Heavy oil / Kerosene (kl)		5	5	6
	Gasoline / Light oil (kl)		24	23	26
Indirect energy consumption^*8	Electricity (thousand kWh)		13,052	12,794	12,160
	Percentage of renewable energy-driven electricity		0%	21%	23%
	Vapor (GJ)		50	0	0
	Hot water (GJ)		1,515	1,499	1,281
	Cold water (GJ)		5,481	6,112	6,469
Wastes^*9	Amount (t)		168	173	160
	Recycled amount (t)		123	123	110
	Recycling ratio (%)		73%	71%	68%
Amount of printing paper purchased (t)			50	47	45

Measurement including overseas bank offices and major group companies (consolidated subsidiaries including overseas subsidiaries)
Calculated by multiplying the amount of printing paper and other paper purchased by the unit of output from the Ministry of the Environment’s emissions unit database
Calculated by multiplying the amount of capital investment by the unit of output from the Ministry of the Environment’s emissions unit database
Calculated by multiplying electricity and vapor usage by the unit of output from the Ministry of the Environment’s emissions unit database
Calculated by multiplying wastes by the unit of output from the Ministry of the Environment’s emissions unit database
Calculated by multiplying the unit of output from the Ministry of the Environment’s emissions unit database based on the length of the business travel and public transportation costs
Calculated (starting from FY2021) by multiplying the unit of output from the Ministry of the Environment’s emissions unit database based on commuting expenses (train and bus)
Measurement including overseas bank offices and major group companies (consolidated subsidiaries including overseas subsidiaries)
Excluding general industrial wastes in branch offices
There are no activities applicable to Category 4 and 8 to 14 of Scope 3 due to the nature of the business.

Social Data

Employee data (non-consolidated)

Category		FY2018	FY2019	FY2020	FY2021	FY2022
No. of employees		1,878	1,928	1,933	1,966	1,980
	Male	982 (52%)	1,024 (53%)	1,034 (53%)	1,056 (54%)	1,068 (54%)
	Female	896 (48%)	904 (47%)	899 (47%)	910 (46%)	912 (46%)
Temporary employees		177	142	125	117	127
Locally hired overseas staff^*1		30	31	39	43	38
Employee composition	New grads	59%	58%	58%	59%	60%
Employee composition	Mid-career hires	41%	42%	42%	41%	40%
Average age		42.8	43.1	43.3	43.4	43.8
	Male	44.1	44.1	44.0	43.9	44.3
	Female	41.4	41.9	42.5	42.8	43.2
Average length of tenure (year)		14.5	14.6	14.9	15.1	15.7
	Male	14.6	14.5	14.5	14.6	15.2
	Female	14.4	14.8	15.4	15.8	16.4
Average annual salary (1,000 yen)		8,037	7,930	8,089	8,232	8,696
Annual salary gap (male =100%)^*2		-	-	-	-	66.6%
	Regular employees	-	-	-	-	66.1%
	Non-regular employees	-	-	-	-	53.4%
No. of new grads		62	61	64	70	51
	Male	25 (40%)	39 (64%)	45 (70%)	41 (59%)	27 (53%)
	Female	37 (60%)	22 (36%)	19 (30%)	29 (41%)	24 (47%)
No. of mid-career hires		81	63	46	37	33
	Male	47 (58%)	45 (71%)	32 (70%)	26 (70%)	24 (73%)
	Female	34 (42%)	18 (29%)	14 (30%)	11 (30%)	9 (27%)
Male/female ratio (new grads and mid-career hires)	Male	50%	68%	70%	63%	61%
Male/female ratio (new grads and mid-career hires)	Female	50%	32%	30%	37%	39%
New grad/ mid-career ratio	New grads	43%	49%	58%	65%	61%
New grad/ mid-career ratio	Mid-career hires	57%	51%	42%	35%	39%
Retention of new grads 3 years after employment		94%	87%	87%	95%	97%
No. of retirees (voluntary retirement)		50 (2.7%)	53 (2.8%)	47 (2.4%)	47 (2.4%)	49 (2.5%)
Female managers ratio^*3		11.6%	12.0%	11.8%	12.5%	13.3%
Non-Japanese managers ratio^*1		2.6%	2.4%	2.9%	2.9%	2.8%
Mid-career managers ratio		37.9%	39.9%	42.5%	43.7%	49.6%
Employees‘ monthly average overtime hours^*4		8.3	8.9	10.3	11.8	11.3
Days of paid leave used (annual average)		15.5	15.6	13.3	14.4	15.2
Employees with disabilities (as of June when submitting a report to authorities)	No. of employees	22	25	29	33	35
	Employment ratio	1.8%	2.0%	2.2%	2.4%	2.5%
No. of childcare leave users^*5		65	41	61	55	60
	Male	15 (58%)	14 (47%)	24 (65%)	22 (58%)	33 (91%)
	Female	50 (100%)	27 (100%)	37 (100%)	33 (100%)	27 (108%)
Female reinstatement ratio after childcare leave		91%	100%	100%	100%	100%
No. of unpaid nursing leave users		0	0	1	1	1
No. of paid nursing leave users		16	15	19	19	23
No. of employees suffering work-related accidents		7	14	6	3	11
No. of applicants for secondary employment^*6		-	-	16	31	37
Work-from-home user ratio^*7		2%	32%	62%	60%	49%
Training hours per employee^*8		-	-	30.8	32.5	33.4
Total of training hours^*8		-	-	59,533	63,951	66,135
Total of training participants^*8		-	-	5,184	11,393	19,201
Training cost per employee (1,000 yen)^*9		37.4	35.9	26.3	27.3	80.4

Data of the employees of domestic and overseas group companies, excluding GMO Aozora Net Bank
The number of employees includes those seconded from other companies to the Bank, but does not include those seconded from the Bank to other companies.
Calculated using the following method based on the stipulations of the Act on the Promotion of Women’s Active Engagement in Professional Life:
Male and female wage differences = Female average annual wage ÷ Male average annual wage; Average annual wage = Total wages ÷ Number of employees
The number of overseas local employees and the number of employees who took a leave of absence for more than six months during the fiscal year under review as well as the amount of their wages are deducted from the above number of employees, annual wages and gross wages.
Managers refer to the total of general managers and group mangers
Non-statutory overtime hours of employees except those in supervisory or managerial positions
Childcare leave ratio = Number of employees who used childcare leave during the fiscal year under review (a) ÷ Number of employees whose children were born during the fiscal year under review (b), rounded down to one decimal point.
Since (a) above includes employees whose children were born before the said fiscal year but who took new childcare leave in the same fiscal year, the take-up rate may exceed 100%.
Application for concurrent secondary employment registration started in FY2020
The work-from-home program started in FY2017. The percentage of users is calculated in March each fiscal year.
Data has been compiled since FY2020.
Includes cost for external instructors and usage costs for self-development support system

Status of female employees

	July 2019	July 2020	July 2021	July 2022	July 2023
1. Executive officers	2 (9.1%)	2 (9.1%)	4 (16.7%)	5 (18.5%)	5 (22.7%)

	March 2019	March 2020	March 2021	March 2022	March 2023
2. General managers	10 (11.4%)	11 (11.3%)	11 (11.5%)	11 (9.6%)	10 (9.4%)
3. Group managers	60 (11.7%)	64 (12.1%)	64 (11.8%)	71 (13.2%)	71 (14.1%)
4. Total of (2+3)	70 (11.6%)	75 (12.0%)	75 (11.8%)	82 (12.5%)	81 (13.3%)
5. Deputy managers	98 (32.9%)	105 (33.3%)	107 (33.5%)	123 (37.1%)	115 (37.3%)
6. Female employees	896 (47.7%)	904 (47.0%)	899 (46.5%)	910 (46.3%)	912 (46.1%)

Social contribution

Category	FY2018	FY2019	FY2020	FY2021	FY2022
CSR expenses (million yen)^*1	15	-	35	35	23
No. of participants in volunteer activities^*2	-	-	-	248	175
No. of participants in Basic Banking Seminar (in Sophia University)^*3	389	382	382	367	328

Includes monetary equivalent of donated stockpiles, which started to be calculated in FY2018
Started to be calculated in FY2021
Aozora-sponsored seminars for Sophia University. The Bank’s officers and employees offer seminars (14 sessions) every fiscal year.

Governance

Corporate governance
(status of activity of the Board of Directors and each committee)

Category		FY2018	FY2019	FY2020	FY2021	FY2022
Composition of directors and the Board of Directors meeting	No. of directors	8	8	8	8	8
	No. of outside directors	4	4	4	4	4
	No. of female directors	0	1	1	1	2
	No. of Board of Directors meetings held	15	14	15	15	15
	Average attendance ratio of the Board of Directors meeting (%)	97%	100%	100%	100%	100%
Nomination and Remuneration Committee	No. of Nomination and Remuneration Committee meetings held	6	7	7	6	7
Nomination and Remuneration Committee	Average attendance ratio of the Nomination and Remuneration Committee (%)	94%	100%	100%	100%	100%
Audit and Compliance Committee	No. of Audit and Compliance Committee meetings held	7	7	6	6	6
Audit and Compliance Committee	Average attendance ratio of the Audit & Compliance Committee (%)	100%	100%	100%	100%	100%

Compliance

Category		FY2018	FY2019	FY2020	FY2021	FY2022
No. of cases opened by the Aozora Hotline (whistle-blowing system)	Total	6	13	7	10	13
	Internal contact point	6	7	4	4	7
	External contact point^*	-	6	3	6	6
No. of compliance incidents	Cease and desist notice by relevant government ministries and agencies	0	0	0	0	0
	Suspension of operation/business due to misconduct	0	0	0	0	0
	Criminal accusation due to an incident or an accident violating a law	0	0	0	0	0

An external contact point was established in FY2019.

Non-financial Information Index

Environmental Data (bank offices located in Japan)

Social Data

Employee data (non-consolidated)

Status of female employees

Social contribution

Governance

Corporate governance (status of activity of the Board of Directors and each committee)

Compliance

Corporate governance
(status of activity of the Board of Directors and each committee)