The page for smartphones is this place

Action Plan

  • 2020 Action Plan2020
    Action Plan
  • 2019 Action Plan2019
    Action Plan
    • Local Communities
    • Low Birthrate & Aging Society
    • Environment
    • Human Rights

    Local Communities

    Commitment 【1-1】

    Realizing a sustainable society together with customers through constructive dialogue on the themes of environmental and social issues and other measures.

    [1-1-1] Support business partner's promotion of the SDGs through dialogue and financial services
    Action Plan
    • Promote dialogue on the SDGs with investee companies
    • SDGs-related loan balance of 126 billion yen
    • 130 companies given SDGs consulting
    • Advancement of ESG integration (incorporating ESG into investment decisions)
    • Promote engagement and exercising of voting rights at investee companies through an external asset management company
    [1-1-2] Promote SDGs through asset management consulting for customers
    Action Plan
    • Provide SDGs- and ESG-related financial products (Mirai E-us Project targeted funds, etc.) to 28,500 customers with a total balance of 31.2 billion yen
    [1-1-3] Proactively disseminate information regarding SDGs/ESG promotion to stakeholders and encourage dialogue
    Action Plan
    • Enhance integrated reports, website, etc.
    • Promote constructive dialogue with stakeholders and investors
    • Disseminate information through SDGs-related events

    Commitment 【1-2】

    Revitalizing local economies and creating livable communities through supporting the growth of companies, including nurturing of start-up companies, and the operational efficiency of social infrastructure.

    [1-2-1] Provide one-stop access to the financial services, various consultations, information, etc., required to nurture startup companies
    Action Plan
    • Provide founding support to 140 companies through seminars/consulting
    • Provide 710 companies with financing without face-to-face contact (including number of stocks)
    • Receive 3,100 applications for founding support pack
    [1-2-2] Support exchanges between business partners and local communities through business matching and seminars
    Action Plan
    • Achieve 16,000 business matching cases (main business support)
    • Host business meetings and seminars using Gr Business Plaza (5 locations)
    • Achieve 106.5 billion yen PPP balance + project stock
    • Organize 3 seminars and networking sessions for overseas expansion support, etc.
    [1-2-3] Provided advanced solutions, such as M&A, business recovery, overseas expansion support, and real estate functionality
    Action Plan
    • Capture 225 FA contracts
    • Provide 160 solution proposals
    • Implement one-stop solution sales

    Commitment 【1-3】

    Increasing convenience in society and daily lives through the provision of innovative financial services accessible to all people at anytime and anywhere.

    [1-3-1] Provide highly convenient payment solutions for the realization of a cashless society
    Action Plan
    • Achieve 1,700 users of Resona cashless platform
    [1-3-2] Provide familiar and convenient financial services through advanced financial methods and other Internet channels including smartphones
    Action Plan
    • Achieve 3 million app downloads
    • Advance and promote the utilization of non-financing rating model to realize the next-generation retail business model
    [1-3-3] Provide financial services in accordance with life plans through the enhancement of real channels, such as branches open seven days a week and digitization of branches
    Action Plan
    • Increase sales locations open on holidays to 34 (Seven Days Plaza, consultation-focused branches)
    • Develop next-generation branch systems, expand TV contact points, and test self-serve terminals
    • Trial operation of the model branch under the future vision (simplified branch)
    • Facilitate family businesses (transactions by family members or proxy of elderly)

    Low Birthrate & Aging Society

    Commitment 【2-1】

    Improving customers’ lifetime quality of life through the support for formation and succession of assets enabled by financial consulting and financial education to enhance financial literacy.

    [2-1-1] Provide product services from a customer perspective that contribute to long-term formation of assets and facilitate asset succession, and make tailor-made proposals
    Action Plan
    • Deliver asset formation support products to 707,000 users
    • Achieve 257,000 users of savings products
    • Enhance structure development and information dissemination to permeate and fulfill fiduciary duty
    [2-1-2] Provide corporate pension services to achieve the social mission of stability for elderly lifestyles
    Action Plan
    • Achieve 467,000 total DC participants
    [2-1-3] Provide succession support for businesses and assets that utilize insurance and trust functions
    Action Plan
    • Achieve 7,400 inheritance and succession-related consulting (proposal) cases
    [2-1-4] Disseminate reports on finance, organize financial seminars and consultations, and develop next-generation financial and economic education activities.
    Action Plan
    • Organize 393 financial (inheritance and succession) seminars and consultations
    • Provide practical financial education opportunities suitable for each generation
    • Enhance market information dissemination capability and customer contact points by strategists
    [2-1-5] Advance a management system to prevent money laundering, terrorist financing, financial crime, etc.
    Action Plan
    • Enhance communication and training to thoroughly prevent funding of money laundering and terrorism
    • Strengthen efforts to proactively prevent increasingly sophisticated and diverse financial crimes

    Environment

    Commitment 【3-1】

    Realizing low-carbon and circular society by taking action with society to reduce environmental burden such as accelerating the use of renewable energy and reducing greenhouse gas emissions.

    [3-1-1] Promote environmental management such as through being TCFD-compatible
    Action Plan
    • Conduct scenario analysis for advancing TCFD-compliance and consider Scope 3 measurement method
    • Reduce CO2 emissions and electricity usage over the previous year
    [3-1-2] Support business partners' environmental management through dialogue and financial services
    Action Plan
    • Host environmental real estate-related seminars
    • Proactively support environmental preservation activities through providing financing to customers involved in promotion of renewable energy use
    [3-1-3] Environmental impact reduction by work efficiency, productivity improvement
    Action Plan
    • Transform business processes with digitalization, paperless services, and using RPA
    • Increase rate of digital mortgage contracts
    • Promote consolidation of servers and branch locations
    • Consider a development structure that can easily reflect user feedback
    • Increase productivity through improving IT literacy in-house using training on finance, data science, and programming, etc.
    • Digitize and improve efficiency of businesses and local authorities
    [3-1-4] Carry out social contribution activities for the preservation and improvement of the natural environment and biodiversity
    Action Plan
    • Increase the number of activity participants over the previous year

    Human Rights

    Commitment 【4-1】

    Creating a society in which all people respect human rights and diversity and can fulfill their potential while attaining work-life balance.

    [4-1-1] Promote measures towards work-style reform, and further realizing work-life balance
    Action Plan
    • Achieve 30% female line manager ratio
    • Achieve 2.2% employment rate for those with disabilities
    • Achieve 100% male spouse maternity leave rate
    • Achieve 80% male childcare leave rate
    • Average 14 paid leave days used per employee
    • Provide human rights training, such as on LGBT and harassment prevention
    • Expand Smart Work
    [4-1-2] Support various career formations, and solution-proposing capability through skills development and training
    Action Plan
    • Cultivate SDGs consultants starting from issues confronting customers and society
    • Achieve 5,000 business school students
    • Support training of Omni-advisors with high market literacy
    • Achieve 1,800 PB-related training participants
    [4-1-3] Improve employee participation in society by promoting employee involvement in social contribution activities
    Action Plan
    • Increase participants in Re: Heart Club activities over the previous year
  • The FY2019 Action Plan for Resona Sustainability Challenge 2030 and results are presented below. Please note that certain events, seminars and interviews planned for February and March 2020 were cancelled due to the COVID-19 pandemic.

    Period April 1, 2019 to March 31, 2020
    Scope Resona Bank and Saitama Resona Bank
    • *Certain areas marked as "Group total" indicate the total for Resona Bank, Saitama Resona Bank, Kansai Mirai Bank and Minato Bank.
    • Local Communities
    • Low Birthrate & Aging Society
    • Environment
    • Human Rights

    Local Communities

    Commitment 【1-1】

    Realizing a sustainable society together with customers through constructive dialogue on the themes of environmental and social issues and other measures.

    [1-1-1] Support business partner’s promotion of the SDGs through dialogue and financial services
    Action Plan
    • Promote dialogue and engagement with investee companies
    • Advancement of ESG integration (incorporating ESG into investment decisions)
    • Promote dialogue on the SDGs with lenders
    • SDGs-related loan balance of 60 billion yen
    Results
    • Dialogue and engagement with investee companies: 1,963 times *1 (Total for July 2018 to June 2019)
      Stewardship Report 2019/2020 (PDF: 4.3MB)
    • Raised the level of ESG integration through the following initiatives
      • Worked with Group departments responsible for investment with advanced knowledge of ESG issues related to response to the external diseconomy to research companies' ESG initiatives and increase the inclusion of this information in investment decisions
      • Implemented ESG integration using non-financial information analyzed from companies' integrated reports for a quant fund utilizing quantitative data
    • Hand delivered paper entitled "The SDGs Greatly Impact Companies, Too" that contains our Basic Stance on Lending and investing to promote dialogue.
    • SDGs-related loan balance (Resona/Saitama Resona SDGs Consulting Fund): 33.5 billion yen (as of March 31, 2020)
      Also, supported promotion of SDGs among client companies through "Private placement SDGs promotion bonds"
      "Private placement SDGs promotion bonds" issuance in FY2019: 1,369 times/140.4 billion yen (+513/+44.1 billion yen YoY; Group total)
    • *1Total for passively managed and actively managed stock funds and actively managed bond funds; data based on Resona Asset Management
    [1-1-2] Promote SDGs through asset management consulting for customers
    Action Plan
    • Provide SDGs-related financial products
    Results
    • Launched the Mirai E-us Project where part of the returns from eligible investment trusts related to the SDGs are donated to fund scholarships provided by the Resona Foundation for Future and Minato Bank Ikueikai (sales results: 12.3 billion yen)
    [1-1-3] Proactively disseminate information regarding SDGs/ESG promotion to stakeholders and encourage dialogue
    Action Plan
    • Enhance integrated reports, websites, etc.
    • Conduct 250 interviews with institutional investors
    • Host 10 IR briefings for individual investors
    • Organize three shareholder seminars: 1,800 participants
    Results
    • Published integrated report (Japanese version in July and English version in August) and revamped website for individual investors
    • Conducted 194 interviews with institutional investors with a total of 549 companies participating
    • Hosted 9 IR briefings for individual investors with a total of 1,721 persons attending
    • Organized one shareholder seminar: 470 participants

    Commitment 【1-2】

    Revitalizing local economies and creating livable communities through supporting the growth of companies, including nurturing of start-up companies, and the operational efficiency of social infrastructure.

    [1-2-1] Comprehensively provide the financial services, various consultations, information, etc., necessary to nurture startup companies
    Action Plan
    • Distribute 2,500 founding support packs
    • Organize founding schools/seminars
    Results
    • Distribute 2,800 founding support packs
      Began offering Resona Business Loan Speed On! as a fully online loan product
    • Organized founding schools/seminars: 22 times
      Added two new branches to those offering online applications for corporate account opening targeting companies in their founding period
    [1-2-2] Support exchanges between business partners and local communities through business matching and seminars
    Action Plan
    • Achieve 11,400 business matching cases (main business support)
    • Organize seminars
    • Achieve 170 billion yen PPP balance + project stock
    Results
    • Achieved 11,600 business matching cases;group joint business meetings held 12 times (up 2 times over last year)
    • Organized seminars: 202 times (of which, group joint seminars totaled 72 times [up 33 times over last year])
    • Achieved 130 billion yen PPP balance + project stock
      Effectively utilized PFI fund targeting designated local governments and the Company's core regions. We will continue to actively engage in PFI and PPP projects that contribute to the positive economic cycle for local communities through collaboration with Group banks.
    [1-2-3] Provide advanced solution functionality, such as M&A, business recovery, and overseas expansion support
    Action Plan
    • Capture 150 FA contracts
    • Provide 150 solution proposals
    • Organize overseas expansion support seminars, exchange meetings, etc.
    Results
    • Capture 186 FA contracts
    • Provide 227 solution proposals
    • Organized overseas expansion support seminars for customers on 7 occasions (total of 16 venues) with 251 people participating and held exchange meetings with overseas customers on 4 occasions

    Commitment 【1-3】

    Increasing convenience in society and daily lives through the provision of innovative financial services accessible to all people at anytime and anywhere.

    [1-3-1] Provide highly convenient payment solutions for the realization of a cashless society
    Action Plan
    • Expand the introduction of Resona cashless platforms (participating store services, affiliated wallet services, Resona wallet service)
    Results
    • Number of customers who introduced or plan to introduce: about 1,100 covering 12,000 stores (results as of March 31, 2020; Group cumulative total)
    [1-3-2] Provide familiar and convenient financial services through smartphones and other internet channels
    Action Plan
    • Achieve 1.55 million app downloads
    Results
    • Achieved 2.24 million app downloads (Resona Group App) (As of March 31, 2020; Group cumulative total)
    [1-3-3] Provide financial services in accordance with life plans through the enhancement of real channels, such as branches open seven days a week, and the digitization of branches
    Action Plan
    • Increase sales locations open on holidays to 30 (Seven Days Plaza, consultation-focused branches)
    • Digitization to improve customer convenience
    Results
    • Increased sales locations open on holidays to 31 (Seven Days Plaza, consultation-focused branches) (As of March 31, 2020; Group total)
    • Introduced digital service office (TV teller) at 38 branches

    Low Birthrate & Aging Society

    Commitment 【2-1】

    Improving customers’ lifetime quality of life through the support for formation and succession of assets enabled by financial consulting and financial education to enhance financial literacy.

    [2-1-1] Provide product services from a customer perspective that contribute to long-term formation of assets, and make custom-centric proposals
    Action Plan
    • Promote practical proposals through asset formation support products
    • Strengthen support for stable asset formation through diversified investment
    • Improve systems and enhance training for fulfillment of fiduciary duty
    Results
    • Number of users of asset formation support products: 696,000 (balance of 3,217.2 billion yen as of March 31, 2020)
    • Supported stable asset formation through diversified investment
      • Diversified investment funds ratio (core fund ratio) RB: 46.2% and SR: 36.0%
      • Diversified investment funds ratio (new) RB: 81.0% and SR: 87.6%
      • Began handling fund wraps at former Kansai Urban Bank branches 
      • Began handling regular receipt services for fund wraps
    • Made improvements to website based on results of interviews of customers on initiatives for fulfilling fiduciary duty. Distributed Resona FD Tsushin to sales offices that contains situation of the Company's initiatives in order to further penetrate and implement fiduciary duty.
    [2-1-2] Provide corporate pension services to achieve the social mission of stability for elderly lifestyles
    Action Plan
    • Achieve 468,000 total DC participants
    Results
    • Achieved 410,000 total DC participants
    [2-1-3] Provide succession support for businesses and assets that utilize trust functions
    Action Plan
    • Achieve 1,500 business succession consignments
    • Achieve 3,000 wills received from trusts
    • Achieve 8,000 inheritance and succession-related consulting (proposal) cases
    Results
    • Achieved 2,400 business succession consignments (My Trust, Heart Trust, and Treasury Stock Succession Trust; Group total)
    • Achieved 2,700 wills received from trusts (Group total)
    • Achieved 11,400 inheritance and succession-related consulting (proposal) cases
    [2-1-4] Organize financial seminars and consultations, develop next-generation financial and economic education activities
    Action Plan
    • Organize financial (investment and exchange) seminars and consultations
    • Achieve 4,100 participants in financial and economic education
    Results
    • Started explanations of iDeCo management at all Resona Bank branches from July 2019
      • Held total of 8 seminars on iDeCo in July, August and September, with 624 participants
      • Number of consultations from Tsumitate Plaza (Hirakata and Yaesu): 429
      • Other asset management related investment consultations: 461 (Resona Bank)
    • Achieved 3,900 participants in financial and economic education (Resona Kids' Money Academy) (cumulative total of 40,600)*2
    • *2Including Mirai Kids' Money Academy
    [2-1-5] Advance a management system to prevent money laundering, terrorist financing, financial crime, etc.
    Action Plan
    • Advance the risk management system (PDCA) to prevent funding of money laundering and terrorism
    • Enhance communication and training to thoroughly prevent funding of money laundering and terrorism
    • Strengthen efforts to proactively prevent increasingly sophisticated and diverse financial crimes
    Results
    • Formulated and implemented various measures to mitigate money laundering risk
    • Continued to hold training on money laundering prevention
    • Continued to raise awareness among customers for preventing financial crimes

    Environment

    Commitment 【3-1】

    Realizing low-carbon and circular society by taking action with society to reduce environmental burden such as accelerating the use of renewable energy and reducing greenhouse gas emissions.

    [3-1-1] Promote the spread of environmental real estate with excellent environment performance
    Action Plan
    • Organize 2 environmental real estate-related seminars
    Results
    • Organized 1 environmental real estate-related seminar *3
      ("Environmental Real Estate CRE Strategy Seminar" (23 companies participated with 30 total attendees)
    • *3"Office Building Management CRE Strategy Seminar" which was cancelled due to the COVID-19 pandemic will be rescheduled for FY2020 with the format changed.
    [3-1-2] Support business partners’ environmental protection activities through dialogue and financial services
    Action Plan
    • Achieve 150 billion yen environment-related loan balance
    Results
    • Achieved 190 billion yen environment-related corporate loan balance
      Environment-related loan balance: 29.4 billion yen
      Continued to support the environmental conservation activities of customers through the offering of environment-related loan products
    [3-1-3] Environmental impact reduction by work efficiency, productivity improvement
    Action Plan
    • Make work more efficient by utilizing electronic contracts
    • Transform business processes to improve productivity
    • Reduce work using RPA
    Results
    • Number of electronic loan contracts: 4,784
    • Developed and introduced VBA tool and efficiency tool for operational reforms of divisions
    • Reduced work using RPA; totaling around 220,000 hours for the year
    [3-1-4] Develop an environmental management system and ISO program
    Action Plan
    • Reduce CO2 emissions year on year
    Results
    • Plan to release results around summer 2020
    [3-1-5] Carry out social contribution activities for the preservation and improvement of the natural environment and biodiversity
    Action Plan
    • Increase the number of activity participants over the previous year
    Results
    • Number of activity participants: 1,429 (down 455 over the previous year)

    Human Rights

    Commitment 【4-1】

    Creating a society in which all people respect human rights and diversity and can fulfill their potential while attaining work-life balance.

    [4-1-1] Promote measures towards work-style reform, and further realizing work-life balance
    Action Plan
    • Achieve 29% female line manager ratio
    • Achieve 2.2% employment rate for those with disabilities
    • Achieve 100% male spouse maternity leave rate
    • Achieve 13% male childcare leave rate
    • Average 14 paid leave days used per employee
    • Provide human rights training, such as on LGBT and harassment prevention
    Results
    • Achieve 29.1% female line manager ratio
    • Achieve 2.24% employment rate for those with disabilities(applied special exception for entire Group; as of March 1, 2020)
    • Achieve 100% male spouse maternity leave rate
    • Achieve 87.5% male childcare leave rate
    • Average 14.1 paid leave days used per employee
    • Held harassment prevention training (e-learning on sexual and power harassment for all employees, harassment prevention training for newly appointed managers by rank, and harassment prevention training for all department heads and GL of all divisions) and human rights and diversity training (training on developmental disabilities, LGBT, and unconscious bias for all employees).
    [4-1-2] Support various career formations, through skills development and training
    Action Plan
    • Achieve 5,000 business school students
    • Achieve 1,400 PB-related training participants
    Results
    • Achieve 7,600 business school students
    • Achieve 1,800 PB-related training participants
    [4-1-3] Improve employee participation in society by promoting employee involvement in social contribution activities
    Action Plan
    • Increase participants in Re:Heart Club activities over the previous year
    Results
    • Participants in Re:Heart Club activities: 5,863 (down 535 over the previous year)