Management Policy,
Management Environment,
and Issues to be Addressed,etc.

Seven Bank is working to offer safe, accurate, and speedy banking services deeply embedded in customers’ daily lives as their “wallets.” We aim to achieve this by creating a network of ATMs accessible 24 hours a day, 365 days a year, in principle, utilizing the 20,000-plus retail locations of Seven & i Group.

The Bank operates under an ethos of coexistence and coprosperity by encouraging other financial institutions to make use of its easily accessible ATMs, thereby enhancing customer services and improving business efficiency.

Furthermore, we will provide a wide range of financial services that are embedded in day-to-day lives of our customers and attract a wider range of customers to our stores, thus pursuing synergistic effects with the Seven & i Group.

Seven Bank recognizes that banks are highly public in nature and bear an important responsibility to contribute broadly to the economy and society while carrying out their business operations. We are also keenly aware of the importance of complying with laws and regulations and acting in accordance with economic and social ethics. We pledge to work unceasingly to achieve this and we hearby establish this Code of Conduct as a manifestation of our steadfast resolve.

We are ever cognizant of the significance of the bank's public mission. We seek to earn the unwavering trust of society by committing ourselves to sound management based on management's own responsibility and fulfilling our social responsibilities.

We strive to always put ourselves in our customers' shoes and act in good faith. We will ensure the stability and security of the financial infrastructure that supports economic activities and our customers. We will provide high quality financial services that place sufficient attention on adequately protecting our customers' best interests, while adapting to changes in the environment and responding to the diversifying needs of our customers.

We will observe both the letter and spirit of laws and regulations and always act in good faith and fairness so as not to violate social norms. We will ensure fairness and transparency in our business relationships and build and maintain sound and proper relationships with government organizations.

As a good corporate citizen, we will strive to live in harmony with local and international society, to solve environmental and social problems, and to contribute to building a sustainable society. We will communicate with society at large, including fair and active dislosure of management information, strive to understand the expectations and demands of stakeholders, and improve our corporate value.

We comply with international standards on human rights and educate directors, officers, and employees to improve their understanding and awareness. We prohibit discriminatory treatment and endeavor to offer equal employment opportunities. Furthermore, we monitor our business partners so that business is done in a way that respects human rights. We do not permit any form of child labor, forced labor, or disciplinary punishment.

We foster skills and support career formation while respecting the diversity and individuality of directors, officers, and employees. We operate without prejudice, based on fair and impartial standards, with regard to personnel changes, promotions, evaluations, and treatment, to create a vibrant work environment that fosters a sense of job satisfaction. We ensure a pleasant working environment, taking employees' health and safety into consideration.

We take a firm stance against antisocial forces that threaten the order and security of civil society and will have no relationships with such. We thoroughly implement measures against money laundering, terrorist financing, cyber attacks, financial crimes, and other threats, and fulfill our duty as a bank.

The business environment surrounding the Bank’s group is undergoing rapid changes, including soaring prices and rising interest rates both at home and abroad, diversification of payment methods due to the development of digital technology, the entry into the financial sector of businesses from other industries, and heightened awareness of environmental and social issues. The Group recognizes that there is a need for flexible management that is more than ever sensitive to changes in society and diversification of customer needs and rapidly incorporates the results of technological innovation.
In addition, social issues such as widening disparities and climate change are becoming more apparent and serious, leading to an era when businesses, as members of society, are required to face these issues more sincerely than ever before to seek solutions.

“We shape the future of everyday life by seeing your wishes and going beyond” This is the purpose of the Group. Based on this purpose, Seven Bank will strive to achieve sustainable growth as a unique bank that is close to customers’ lives, offering convenience, reliability and trust.
We have formulated the Medium-Term Management Plan (FY2021 - FY2025), designating the five years through 2025 as a period to grow in a sustainable manner and to materialize the second phase of growth. Under the Medium- Term Management Plan, we will promote the following three basic measures.

The Bank’s group sees changes in the business environment as opportunities for further reform and leap, and by addressing the following issues, the group will aim to realize sustainable growth and continue to be a company that is needed by customers and society.

Seven Card Service Co., Ltd., a consolidated subsidiary of the Bank, is a settlement service company of the Seven & i Group. It issues and operates “Seven Card Plus/Seven Card” and the electronic money “nanaco,” supporting customer convenience in their daily lives. Going forward, it will integrate its operations with Seven Bank’s financial retail business, integrate and expand the know-how and expertise that both companies have cultivated, and deepen collaboration with the Seven & i Group, thus continuing to provide financial services that are embedded in everyday lives.

In the United States, funding and operating costs are increasing due to high policy interest rates and rising inflation, but we are taking various cost reduction measures by working to optimize our ATM operations. In addition to the approximately 8,300 ATMs currently installed in 7-Eleven stores in the United States, the Bank has begun installing ATMs in approximately 3,000 Speedway stores, further strengthening its ATM network across the United States. Furthermore, the Bank will leverage this robust ATM network as a foundation to expand our collaboration with 7-Eleven, Inc. and provide unique financial services that combine retail and finance, aiming to strengthen our customer base in the U.S. market and diversify our business.
In Asia, we continue to aggressively install ATMs in Indonesia and the Philippines, and have grown to become one of the largest ATM operators in both countries.
The Bank has also started its ATM operation business in Malaysia since January 2025.
The Bank will continue to strengthen the development of ATM networks in each country and then, using ATMs as an introduction, strive to bring about multi-layered financial services.