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CSR Goals and Results

In FY2011, the Resona Group set the “Resona Group Corporate Social Responsibility (CSR) Goals” to promote the implementation of its objectives within each of the seven ISO 26000-based themes of the Resona Group CSR Policy using the PDCA model.
At the end of the fiscal year, we will assess our achievement against these goals, formulate our policy for the following fiscal year, and present the results on our website.
With the intention to further improve sustainability at the Resona Group in FY2017 onwards, we will assess our CSR Goals from the perspective of the Sustainable Development Goals (SDGs), and clarify to which SDGs each CSR Goal corresponds.

The details of the FY2018 “Resona Group CSR Goals” are presented below.

Corporate Governance

Governance (System Construction)

FY2018 Goal Applicable SDGs
  • Carry out even more effective assessments at the Board of Directors, and based on those results, improve sustainable management practices, and implement proactive and effective information disclosure to improve the effectiveness of corporate governance.
16

Governance (Information Disclosure)

FY2018 Goal Applicable SDGs
  • Strive for fair and impartial information disclosure, and achieve constructive dialogue with investors. Leverage our enhanced financial and non-financial information disclosure to carry out initiatives aligned with our goal to become the “Retail No. 1” Financial Services Group through a variety of media.
16
  • Expand interactions with shareholders and increase the number of communication forums to create more fan shareholders.

[Goal]
1,900 participants in seminars

16

Risk Management

FY2018 Goal Applicable SDGs
  • In addition to providing high-quality services to customers, work to prevent risks before they emerge to maintain the soundness of management.
16

Compliance

Ensuring Group-Wide Compliance

FY2018 Goal Applicable SDGs
  • Seek to continuously cultivate awareness through trainings and the sharing of concrete examples to create a corporate culture where each employee of the group has a highly developed sense of ethics and can undertake sound actions.
16

Prevention of Transactions with Anti-Social Forces

FY2018 Goal Applicable SDGs
  • In response to the increased diversification of financial crime, enhance our measures to prevent transactions with anti-social forces, money laundering, and financial crime.
16

Consumer Issues/Customer Service

Customer Communication Enhancement

FY2018 Goal Applicable SDGs
  • Seek to achieve branches where customers feel, “I’d like to hear their advice,” and, “I’d like to come again.”

[Goal]
Improve the Customer Satisfaction (CS) assessment by outside investigators

8

Improvement of Products and Services

FY2018 Goal Applicable SDGs
  • Increase the sophistication of acquiring customer opinions through surveys and other measures, and the methods of reflecting those opinions in our products and services.

[Goal]
Acquire 3 or more matters for improvement based on customer opinions

8
  • Expand our management solution business matching consulting offerings, and advance the creation of services and proposals that meet the diversifying needs of our customers.

[Goal]
8,000 business matching inquiries.

8
  • Use seminars tailored to each segment to provide appropriate advice for the stable asset formation of customers.

[Goal]
80 customer facing seminars

8
  • Provide high quality investment products and services aligned to the life plans of our customers.
8
  • Expand the features and user base of the Resona Smart Account application to provide our customers bank access “whenever” and “wherever” they need it.
8

Community (Regional)

Revitalization of the Local Economy

FY2018 Goal Applicable SDGs
  • Assist local enterprises at the time of their founding to contribute to the revitalization of the local economy through benefits such as the new formation and development of regional culture and increased employment.

[Goal]
2,500 applications for the Start-up Support Pack

8
  • Contribute to regional society through designated financial institution transactions. Additionally leverage our know-how to make proactive efforts for PPP and PFI.

[Goal]
200.3 billion yen PPP loan balance + proposed stock balance

11

Community Volunteer Work by Employees

FY2018 Goal Applicable SDGs
  • Proactively disseminate information on our regional programs within the company, and increase the number of participants.

[Goal]
10,000 volunteers in FY2018

8

Community (Next Generation)

Nurturing the Next Generation

FY2018 Goal Applicable SDGs
  • Expand the venues and sessions of the Kid’s Money Academy to share learning opportunities with more children, and increase the number of participants.

[Goal]
4,500 participants in FY2018
Implement new curriculum for junior-high and high-school students to enhance financial education.

4

Succession for Assets and Business

FY2018 Goal Applicable SDGs
  • Develop more human resources, adjust materials, and cooperate in information sharing to improve our system and increase the number of contracts to promote a response more aligned to customer issues by utilizing our trust function.

[Goal]
Succession trusts

  • My Trust: 290 contracts annually
  • Heart Trust: 910 contracts annually
  • Own Company Stock Succession Trust : 260 contracts annually

Businesses of financial institutions

  • Own Company Stock Succession Trust: 40 new contracts
  • Agency agreements: 10 agreements.
    (Own Company Stock Succession Trust, iDeco, Fund Wrap, etc.)
8
  • Propose asset succession aligned to customer needs, and increase the number of testamentary trust contract holders.

[Goal]
Testamentary trust contract acquisition (Gr): 2,750 contracts
Inheritance management contract acquisition (Gr): 970 contracts
Testament, inheritance management revenue: 3.1 billion yen

8

Environment

Environmental Business Promotion

FY2018 Goal Applicable SDGs
  • Promote environment-related funds (environmental measure funds, etc.) with a focus on climate-change risks and current environmental issues.

[Goal]
148.8 billion yen for environment-related funds (5% increase over previous year)

8
  • In consideration of the environment, promote the use of online consumer loan contracts and tablet based application for insurance products.

[Goal]
Conclude 65% of consumer loan contracts online (2% more than the previous year)
Conclude 95% of contracts through tablets (3% more than the previous year)

12

Initiatives for Environmental Impact Reduction

FY2018 Goal Applicable SDGs
  • Make efforts in environment management at the group level
  • Foster environmental awareness among employees, and realize the environmental burden goals

[Goal]
CO2 emissions: Reduce by 9% compared to FY2009 levels
Copying-paper usage: Below the FY2016 level

12
  • Expand waste processing centers.

[Goal]
FY2018 number of waste preprocessing centers: 160 centers

12

Environment-Related Social Contribution Activities

FY2018 Goal Applicable SDGs
  • Increase the number of volunteers in cleanup and tree planting activities

[Goal]
1,800 participants

12

Investees' Environmental and Social Considerations

FY2018 Goal Applicable SDGs
  • Institutionalize and thoroughly follow guidelines set in the “Environmental risk assessment procedures for large projects.”
1415

Diversity

Promotion of Diversity

FY2018 Goal Applicable SDGs
  • Strive for evolved diversity and inclusion.

[Goal]
Female line-manager percentage: 28%
Further increase the percentage of employees with disabilities.
Percentage of spousal birth leave utilization: 100%

5
  • Increase the handling of home loans for the elderly in response to the social challenge of an aging population.

[Goal]
Provide 2 billion yen in loans

8

Promotion of Work-Life Balance

FY2018 Goal Applicable SDGs
  • Implement productivity improvements and awareness reform initiatives to further enhance work-life balance.

[Goal]
Average paid vacation days utilized: 13 days

8

Employee Talent Development

FY2018 Goal Applicable SDGs
  • Expand the various programs which support the career development of employees.
  • Leverage the home learning system (Resona My Study) and self-development training (Resona Business School) to support various ways of working and the independent development of abilities.

[Goal]
Over 5,000 participants in the Resona Business School

4

Human Rights

Human Rights Awareness and Respect for Human Rights

FY2018 Goal Applicable SDGs

Further enhance human rights training.

  • Thoroughly disseminate the group human rights policy
  • Share effective training and educational materials from within branches (the human rights of persons with disabilities, etc.)
    Enhance harassment prevention training
    Review the per-segment educational materials (new employee training, etc.)
  • Enhance educational materials provided over the Internet Carry out training for recruitment personnel

[Goal]
Provide 3 or more human rights lecture courses for all staff during the year (includes e-learning)

45810

Normalization Efforts

FY2018 Goal Applicable SDGs
  • Strive to improve services to allow all customers to use them with ease. (Improve branch facilities, etc.)
8