Areas of Materiality / Targets

The JACCS Group, under its Basic Policy on Sustainability, identified five materialities in fiscal 2022 to pursue the group's sustainable growth and solve environmental and social challenges through business activities.
Subsequently, in conjunction with the formulation of the medium-term business plan starting in fiscal 2025, we reviewed the materialities to clarify the issues to be addressed, taking into account changes in the group's external environment and progress in sustainability initiatives.

Materialities from Fiscal 2025

Providing safe and secure services that offer a high level of convenience Practicing management that respects people and enables diverse talent to grow and thrive Contributing to prosperous regions and communities in Japan and ASEAN Strengthening and practicing governance that contributes to sustainable growth Promoting initiatives that contribute to environmental conservation

Materiality Review Process

Step 1: Internal KPI Progress Review

Conducted hearings twice a year in meetings on sustainability initiatives with headquarters general managers, compiling opinions on KPI progress, challenges, and future approach.

Step 2: External Environment and Internal Situation Analysis

Investigated the latest trends in sustainability-related external environment changes. Also organized the company's initiatives based on ISO26000 standards.

Step 3: Materiality Map

Extracted items of high importance for both stakeholders and the JACCS Group, referencing the progress of initiatives from Step 1 and issues organized in Step 2.

Materiality Map

Step 4: Materiality Review

Extracted key items for both stakeholders and the JACCS Group through the materiality map, and listened to opinions from external directors, institutional investors, and employees. Deliberations were held in the Sustainability Committee to reflect the group's important values (trust, reliability, and people as capital) and critical business matters (solving social issues, mutual growth in ASEAN) and the materiality review was resolved by the Board of Directors.

Materialities and Targets through Fiscal 2024

Based on five areas of materiality, the Company established initiatives and targets corresponding to each initiative. The Company set numerical targets as presented below, which it aims to achieve in the final year of the MOVE 70 three-year medium-term plan. Please note that the areas of materiality include some items for which it is difficult to quantitatively measure the degree of impact on the environment and society.

Can be horizontally scrolled
Area of materiality Main initiatives Indicators Results for the fiscal year ended March 31, 2024 Targets for the fiscal year ending March 31, 2025 SDGs
Service that responds to the trust placed in JACCS by customers and member stores Response rate 88.3% 90%
1 No Poverty
4 Quality Education
8 Decent Work and Economic Growth
9 Industry, Innovation and Infrastructure
11 Sustainable Cities and Communities
Ratio of automated receipt of credit screening applications 69.3% 82%
Raising the sophistication of information security Acquisition of certification under the Payment Card Industry Data Security Standard (PCIDSS) PCIDSS Version 3.2 compliance Version 4.0 compliance
Ratio of detection of fraudulent credit card transactions 66.2% 70%
Providing financial services as infrastructure to support local communities and lifestyles Volume of new contracts for home renovation loans ¥140.5 billion ¥141.6 billion
Volume of new contracts for educational loans ¥20.5 billion ¥19.2 billion
Volume of new contracts for medical loans ¥34.9 billion ¥27.6 billion
Volume of new contracts in the overseas business ¥85.7 billion ¥103.1 billion
Balance of loans for condominiums purchased for investment purposes ¥2,741.9 billion ¥3,000.0 billion
Promoting cashless payments Volume of new contracts in the credit card and payments business ¥2,850.3 billion ¥2,962.7 billion
Efforts to reduce environmental burden Volume of copier paper purchased (compared with the fiscal year ended March 31, 2022) 12.8% decrease 3% decrease
7 Affordable and Clean Energy
11 Sustainable Cities and Communities
12 Responsible Consumption and Production
Ratio of web-based credit card statements 47.8% 50%
Ratio of eco-friendly vehicles within the Company’s vehicle fleet 35.2% 54%
Rate of reduction of energy consumption (compared with the fiscal year ended March 31, 2020) 21.3% decrease 13% decrease
Addressing climate change Rate of reduction of CO2 emissions (compared with the fiscal year ended March 31, 2020) 9.8% decrease 18% decrease
Promoting decarbonization through financial services Volume of new contracts for solar loans ¥59.4 billion ¥33.1 billion
7 Affordable and Clean Energy
13 Climate Action
Volume of new contracts for storage battery loans ¥50.0 billion ¥32.1 billion
Volume of new contracts for EV loans and leases ¥36.7 billion ¥40.0 billion
Fundraising through ESG finance ¥24.0 billion ¥30.0 billion
Promoting diversity and inclusion Ratio of female employees among employees who hold the position of section manager or higher, or employees who have subordinates and hold a position one rank lower than section manager 36.0% 35%
1 No Poverty
3 Good Health and Well-Being
4 Quality Education
5 Gender Equality
8 Decent Work and Economic Growth
10 Reduced Inequalities
Number of employees certified as possessing advanced digital skills 219 persons 400 persons
Respecting human rights Establishment of a system in accordance with the UN Guiding Principles on Business and Human Rights Establishment of human rights policy
Promoting health and productivity management Employees’ average monthly overtime hours 12.2 hours 12.0 hours
Undertaking social contribution activities Donation amount ¥31.88 million ¥30.0 million
Strengthening risk manangement Competent application of the management cycle Quantification of Risk
Formulation of Risk Action Plan
5 Gender Equality
16 Peace, Justice and Strong Institutions
Improvement of AML/CFT system Conformity with the Ministry of Economy, Trade and Industry (METI) AML/CFT Guidelines
Continuation of compliance Ongoing execution of education and training programs Development of a Group-wide Risk Culture
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