Basic CSR Policy, CSR Targets and Results

Seven Bank's Approach to CSR Activities

Seven Bank has been keenly aware of the importance of CSR, and has undertaken a variety of initiatives based on the belief that CSR activities are essential to the sustainability and development of our business.
The role that we are expected to play in responding to the diversifying social issues and social demands is changing.
In order to increase corporate value over the medium to long term, we will not only focus on our core businesses, but also work to enhance our services in light of our relationship with SDGs, while working to create value for both society and the company through our business (CSV:Creating Shared Value).

Changes in Seven Bank's CSR activities

offensive CSV + Defense CSR Sustainble growth

What is SDGs?

The United Nations Summit on Sustainable Development was held at the UN Headquarters in September 2015.
As the outcome document, "Transforming our world : the 2030 Agenda for Sustainable Development" was unanimously adopted by 193 member countries and the Sustainable Development Goals (SDGs) were adopted.
The SDGs comprises 17 goals and 169 targets, and is expected to be participated and contributed by companies in order to achieve these goals by 2030.

CSR policy

CSR Targets and Results

We define CSR as "The obligation to be proactively fulfilled as a company supported by customers and the society and coexisting with the environment and the society."

CSR activities shall be carried out in a sustainable and effectiveness manner based on our Corporate Principles, Management Ethos and Charter of Ethics, as well as on the content and scale of our business.

How do our business activities contribute to society's economic well-being?

Issues to be Addressed 【P】FY2018 Targets (Plans and Targets) 【D】FY2018 Results and Results 【C】Evaluation 【A】FY2019 Targets (Plans and Targets)

CSR via Our Core Business

Providing ATM services that can be used anytime, anywhere, and anyone with peace of mind

Provision of "easy, convenient, Tokuwa-no-Saifu-Wari Account Services"

To expand the number of ATMs installed

Further pursuit of convenience and safety of ATMs

Expansion of services such as International Money Transfer Services, Cash Receipt Servic, and Smartphone ATM services

Promotion of overseas ATM business

Integrating strengths with over 25,000 ATMs nationwide and the latest technologies

Creating new businesses and cultivating new markets

  
  • 24,392 units at the end of FY2017 → 25,152 units at the end of FY2018
  • Launch of Transportation Electronic Money and Rakuten Edy Transactions
  • Improving life support using “International Money Transfer App,”
    Number of municipalities that have concluded multicultural coexistence agreements (11)
  • Launch of a Cash Receipt Service not through a Bank Account
  • Expand Smartphone ATM services

To expand the number of ATMs installed

Further pursuit of convenience and safety of ATMs

Expansion of services such as International Money Transfer Services, Cash Receipt Servic, and Smartphone ATM services

Promotion of overseas ATM business

Integrating strengths with over 25,000 ATMs nationwide and the latest technologies

Creating new businesses and cultivating new markets

Is Seven Bank sufficiently attentive to the natural environment, and does it make sufficient efforts to address environmental problems?

Issues to be Addressed 【P】FY2018 Targets (Plans and Targets) 【D】FY2018 Results and Results 【C】Evaluation 【A】FY2019 Targets (Plans and Targets)

Attaining an appropriate grasp of environmental burden

To continuously monitor and disclose greenhouse gas emissions (Scope 3) in the supply chain that we indirectly emit

  • Greenhouse gas emissions (Scope 3) are 22,971 [t] (FY2017)

To continuously monitor and disclose greenhouse gas emissions (Scope 3) in the supply chain that we indirectly emit

Energy efficiency improvements

Promotion of paperless operations (general affairs)

  • Monitors installed in meeting rooms
  • Replacement with IC multifunction devices [Head Office: 19 units]
    ⇒2H volume: Approx. 15% decrease (YoY comparison)

Promotion of paperless operations

Stable operation of environmentally friendly ATMs

  • Stable operation of ATMs

Stable operation of environmentally friendly ATMs

Continue to implement energy-saving measures in offices

  • Cool Biz was held from May 7 to September 30, 2018, and air conditioning was set at 27°C.
  • Air conditioner use was reduced on Saturdays and during non-business hours.

Continue to implement energy-saving measures in offices

Promoting a recycling-oriented society

3R (reduce, reuse, recycle) including offices
Promotion

  • Recycling of ATMs (third-generation 26 units)
  • Continuous use of FSC-certified paper
  • Recycling and reuse of office stationery and books
  • Donation of Disaster Prevention Stockpiles (Alpha U.S.) to Second Harvest Japan

3R (reduce, reuse, recycle) including offices promotion

Raising environmental awareness among employees

To raise awareness of CSR trends, ESG, and SDGs

  • Held CSR (ESG and SDGs) study meetings for all employees
  • Held ESG and SDGs seminars for executives and management

To raise awareness of CSR trends, ESG, and SDGs

Aiming to further raise employee awareness of the environment, we conducted environmental initiatives mainly during the June Environmental Month.

  • As of the end of March 2019, 117 employees had obtained eco-certification.
  • During the Environment Month, the group cooperated with the Green Curtain Project, and implemented initiatives such as distributing environmental mini-knowledge to employees and the "Environmental Hospitality Association" at children's centers.

Aiming to further raise employee awareness of the environment, we implemented initiatives mainly during the June Environment Month.

Continue to actively participate in the Seven & i Group's environmental volunteer activities, local volunteer activities, etc.

  • Employees participate in Seven & i's Great East Japan Earthquake Recovery Support Plan, Tokyo Bay UMI Project, and environmental volunteers.

Continue to actively participate in the Seven & i Group's environmental volunteer activities, local volunteer activities, etc.

Enhancement of environmental volunteer activities through Seven Bank's voluntary program

  • Thirty-nine people (including their families) participate in environmental activities at Takao Forest Nature School.

Enhancement of environmental volunteer activities through Seven Bank's voluntary program

What responsibility do we bear for our products and services toward our customers, and to what extent are these responsibilities fulfilled?

Issues to be Addressed 【P】FY2018 Targets (Plans and Targets) 【D】FY2018 Results and Results 【C】Evaluation 【A】FY2019 Targets (Plans and Targets)

Quality of products and services
Ensuring safety

Maintain and strengthen the BCP system through ongoing training to ensure implementation of BCP

  • BCP training (initial response training for countermeasures headquarters, wide-area disaster drills in the Tokyo metropolitan area, etc.) was continuously conducted to maintain and strengthen the system.

Maintain and strengthen the BCP system through ongoing training to ensure implementation of BCP

Products that can be used with peace of mind
Maintenance of services

Continue to promote ATM functions to meet diverse needs

  • Expand of services with non-financial institutions
     ・ Four new alliances with operating companies
     ・ Started handling nine types of "Transportation Electronic Money" and "Rakuten Edy"
  • Cash Receipt Service: Increase the number of companies that have agreed to service contracts
     ・ 150 agreement companies
  • Expand of six companies providing Smartphone ATM services

Continue to promote ATM functions to meet diverse needs

To customer feedback
Sincere response (Structure)

Continue to implement initiatives to improve customer satisfaction

Reporting from the Customer's Perspective/Improving FAQ/ Affairs
Reliable handling and operation of new services, etc.
Improving convenience and promoting the use of response channels

  • Start of new services (Cash Receipt Servic,, multi-electronic money)
  • Expand response channels (visual menu, AI chat bots, multi-lingual chat, official release)
  • Changes in FAQ representations of the website from the customer's perspective
  • On the ATM screen, "System Maintenance Period is displayed on the initial screen," "Diagram of how to use electronic money," and "Money Transfer Fraud alert screen" are started.

Continue to implement initiatives to improve customer satisfaction

Build of a center that can use customer satisfaction, provide optimal information, make proposals, utilize marketing, and collaborate with group companies as the greatest place of contact with customers

Optimization of response channels

Improving Products and Services/Responding to New Services

Does Seven Bank maintain a safe and comfortable working environment and respect the human rights of its employees and the employees of its business partners?

Issues to be Addressed 【P】FY2018 Targets (Plans and Targets) 【D】FY2018 Results and Results 【C】Evaluation 【A】FY2019 Targets (Plans and Targets)

Supporting development of employee abilities

We will increase opportunities for personnel exchanges both inside and outside the company,Help the next generation of leaders grow autonomously

  • Training for newly appointed managers (coaching, labor knowledge)
  • Seven Bank 2020 Committee, a companywide problem-solving conference centered on managers
  • Seven & i Holdings Leader Training
  • Innovation training in Silicon Valley
  • Domestic MBA dispatch Etc.

We will increase opportunities for personnel exchanges both inside and outside the company,help the next generation of leaders grow autonomously

Employee satisfaction

Promoting Diversity and Inclusion

Creating an Environment and Awareness that Can Be Active Regardless of Nationality or Gender

Active Employment of Persons with Disabilities

Active use of systems to support work-life balance between childcare and nursing care, etc.

Activation of inner communication

To create opportunities for all employees to participate

  • Continue operation of a support system for balancing work and family responsibilities, such as reduced working hours and leave for reasons such as childcare and nursing care
  • Implementation of lifelong planning seminars and nursing care seminars
  • Implementation of engagement survey (employee awareness survey)
  • Review of personnel system, enforcement of new system in fiscal 2019
  • Invigorate the company through timely and appropriate recruitment
  • Started using in-house SNS

Promoting Diversity and Inclusion

Creating an Environment and Awareness that Can Be Active Regardless of Nationality or Gender

Active use of systems to support work-life balance between childcare and nursing care, etc.

Activation of inner communication

To create opportunities for all employees to participate

Efforts to Improve Engagement

Achieving a work-life balance

Appraising Diversity

Consideration of occupational safety and health

To continue to take paid leave

Thorough implementation and innovation of the period for encouraging employees to leave the workplace on a regular basis

Implementation of stress checkups

  • Ratio of paid leave taken by employees 77.7%
  • Encouragement period for regular retirement (twice)
  • Implementation of stress checkups

Promotion of ratio of paid leave taken by employees

Implementation of measures to reduce overtime in response to restrictions on overtime work

Implementation of stress checkups

Does Seven Bank work closely with society as a good corporate citizen and actively undertake activities that contribute to society?

Issues to be Addressed 【P】FY2018 Targets (Plans and Targets) 【D】FY2018 Results and Results 【C】Evaluation 【A】FY2019 Targets (Plans and Targets)

Supporting young parents and the elderly

Promotion of reading and listening activities centered on sponsorship of the Bonolon picture book

  • Holding a hospitality meeting at the Children's Center and the National Olympic Memorial Youth Center

Promotion of reading and listening activities centered on sponsorship of the Bonolon picture book

Continuing to donate picture books

Strengthen cooperation with children's centers

  • Continue to donate picture books to children's centers through the issuance of Bonolon cash cards
  • Fund-raising for the "Communication Support Project for Everyone," a general incorporated foundation for the promotion of sound development of children

Continuing to donate picture books

Strengthen cooperation with children's centers

Assisting in local community revitalization

Encouraging employees to participate in community contribution activities

  • Eight volunteer leaves taken
  • Nine employees participated in volunteer activities of the Chiyoda Corporate Volunteer Liaison Committee, which is made up of companies located in Chiyoda City, where the head office is located.

Encouraging employees to participate in community contribution activities

Do we maintain a policy that strongly opposes antisocial groups?

Issues to be Addressed 【P】FY2018 Targets (Plans and Targets) 【D】FY2018 Results and Results 【C】Evaluation 【A】FY2019 Targets (Plans and Targets)

Measure to Antisocial Groups

Measures against Financial Crimes

Continue to collect and utilize anti-social information to eliminate transactions

Continue to improve detection capabilities for evolving and diversifying financial crimes (including money laundering), prevent crimes from occurring, and strengthen measures against money laundering

Promote prevention of financial crime as a whole by strengthening cooperation with investigative agencies, partners, etc.

  • Properly implement eliminate of transactions by continuing to collect anti-social information and using information
  • Continuously invest resources and strengthen measures against evolving and diversifying financial crimes (including money laundering)
  • Promote efforts to prevent financial crime as a whole by strengthening cooperation with investigative agencies, partners, etc.

Continue to collect anti-social information and take measures to eliminate transactions through continued use of information

Continue to implement effective measures to prevent financial crimes, and provide safe and secure payment environments to all customers.

Strengthen cooperation with investigative agencies, partners, etc. to prevent the spread of financial crimes.

Planning and implementation of CSR activities

Plans for CSR activities to be undertaken (hereinafter referred to as "CSR activity plans") shall be formulated by the Executive Committee and CSR activities shall be promoted and implemented in accordance with the plans. In implementing these measures, consideration shall be given to enabling company-wide activities to be undertaken.
The status of CSR activities shall be publicized periodically or as needed through Integrated Report, Disclosure Report, websites, and other media.

Reporting, improvement, and review of CSR activities

Based on the Basic Policy for Internal Control, the Executive Committee shall appropriately implement the status of CSR activities.
A system for reporting to the Board of Directors shall be established, and reports shall be made annually or as necessary. In accordance with the report, the Executive Committee shall analyze the status of CSR initiatives and evaluate their effectiveness, examine the causes of any improvements, take appropriate remedial measures, and submit them to the Board of Directors. The Executive Committee shall verify and follow up on the improvements implemented and submit them to the Board of Directors or report them to the Board of Directors according to the contents. The Executive Committee shall verify the effectiveness of the process of developing the CSR control system every fiscal year or as needed, and submit the necessity and contents of the review to the Board of Directors.
The Board of Directors shall, on an annual basis or as the need arises, take into account the state of development of the system for CSR initiatives.
In addition to reviewing this policy, the effectiveness of the policy formulation process is also verified.

Establishment of CSR・Environment Committee

CSR・Environment Committee (hereinafter referred to as the "Committee") shall be established as an advisory body to the Executive Committee. In order to promote CSR activities throughout the Company, the Committee shall receive reports on the overall CSR plan and progress, discuss important matters related to its operations, and report to the Executive Committee.
The Committee shall consist of the Executive Officers and the general managers of all divisions (hereinafter collectively referred to as the "Members"), and the Audit & Supervisory Board Member, the General Manager of the Internal Audit Division, the General Manager of the Audit & Supervisory Board Member's Office, and other persons designated by the Members shall also attend the Committee and may report or express their opinions.
The Committee shall be chaired by the executive in charge of the Planning Division and shall convene at least twice a year, in principle. In the event of an urgent need, the chairman shall convene the Committee temporarily.