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 2025

We have established initiatives based on five materiality areas and set targets for each as follows. Please note that some materiality areas include impacts on the environment and society that are difficult to measure quantitatively.

Can be horizontally scrolled
Area of materiality Main initiatives Indicators Targets for the fiscal year ending March 31, 2026 SDGs
Service that responds to the trust placed in JACCS by customers and member stores Automatic response and recording rate 31.0%
8 Decent Work and Economic Growth
9 Industry, Innovation and Infrastructure
16 Peace, Justice and Strong Institutions
Automatic credit linkage rate 78.0%
HDI-Japan Rating Continued highest rating (three stars)
Raising the sophistication of information security PCI DSS Compliance Certification Renewal Ver4.0 Compliance Certification Update
Ratio of detection of fraudulent credit card transactions 70.0%
Promoting diversity and inclusion Percentage of female employees at manager level or above 21.0%
1 No Poverty
3 Good Health and Well-Being
4 Quality Education
5 Gender Equality
8 Decent Work and Economic Growth
10 Reduced Inequalities
16 Peace, Justice and Strong Institutions
Human resource development Number of employees certified as possessing advanced digital skills 450 persons
Promoting health and productivity management Rate of second-stage examinations in regular health checkups 100.0%
respect for human rights Continuing human rights due diligence continuation
Providing financial services as infrastructure to support local communities and lifestyles Volume of new contracts for home renovation loans ¥176.6 billion
1 No Poverty
3 Good Health and Well-Being
4 Quality Education
8 Decent Work and Economic Growth
10 Reduced Inequalities
11 Sustainable Cities and Communities
Volume of new contracts for educational loans ¥30.5 billion
Volume of new contracts for dental loans ¥13.0 billion
Volume of new contracts in the overseas business ¥70.4 billion
Balance of loans for condominiums purchased for investment purposes ¥3,222.8 billion
Undertaking social contribution activities Donation amount ¥35.0 million
Strengthening risk manangement Competent application of the management cycle
5 Gender Equality
10 Reduced Inequalities
16 Peace, Justice and Strong Institutions
Improvement of AML/CFT system
Continuation of compliance Ongoing execution of education and training programs
Efforts to reduce environmental burden Volume of copier paper purchased (compared with the fiscal year ended March 31, 2022) 26.5% decrease
7 Affordable and Clean Energy
11 Sustainable Cities and Communities
12 Responsible Consumption and Production
13 Climate Action
Ratio of web-based credit card statements 56.5%
Ratio of eco-friendly vehicles within the Company’s vehicle fleet 65.5%
Rate of reduction of energy consumption (compared to previous year) 5.0% decrease
Rate of reduction of CO2 emissions (compared with the fiscal year ended March 31, 2020) 25.0% decrease
Promoting decarbonization through financial services Solar and battery loan transaction volume ¥85.4 billion
Utilizing sustainable finance
(cumulative until FY2027)
¥30.0 billion

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 Targets for the fiscal year ending March 31, 2025 Results for the fiscal year ended March 31, 2025 SDGs
Service that responds to the trust placed in JACCS by customers and member stores Response rate 90.0% 89.0%
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 82.0% 72.1%
Raising the sophistication of information security Acquisition of certification under the Payment Card Industry Data Security Standard (PCIDSS) Version 4.0 compliance Version 4.0 compliance
Ratio of detection of fraudulent credit card transactions 70.0% 73.3%
Providing financial services as infrastructure to support local communities and lifestyles Volume of new contracts for home renovation loans ¥141.6 billion ¥150.2 billion
Volume of new contracts for educational loans ¥19.2 billion ¥22.2 billion
Volume of new contracts for medical loans ¥27.6 billion ¥28.0 billion
Volume of new contracts in the overseas business ¥103.1 billion ¥75.8 billion
Balance of loans for condominiums purchased for investment purposes ¥3,000.0 billion ¥3,019.0 billion
Promoting cashless payments Volume of new contracts in the credit card and payments business ¥2,962.7 billion ¥2,972.9 billion
Efforts to reduce environmental burden Volume of copier paper purchased (compared with the fiscal year ended March 31, 2022) 3.0% decrease 24.9% decrease
7 Affordable and Clean Energy
11 Sustainable Cities and Communities
12 Responsible Consumption and Production
Ratio of web-based credit card statements 50.0% 55.9%
Ratio of eco-friendly vehicles within the Company’s vehicle fleet 54.0% 51.3%
Rate of reduction of energy consumption (compared with the fiscal year ended March 31, 2020) 13% decrease 19.9% decrease
Addressing climate change Rate of reduction of CO2 emissions (compared with the fiscal year ended March 31, 2020) 18% decrease 10.2% decrease
Promoting decarbonization through financial services Volume of new contracts for solar loans ¥33.1 billion ¥56.4 billion
7 Affordable and Clean Energy
13 Climate Action
Volume of new contracts for storage battery loans ¥32.1 billion ¥19.8 billion
Volume of new contracts for EV loans and leases ¥40.0 billion ¥48.8 billion
Fundraising through ESG finance ¥30.0 billion ¥42.5 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 35.0% 41.5%
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 400 persons 321 persons
Respecting human rights Establishment of a system in accordance with the UN Guiding Principles on Business and Human Rights Establishment of the Human Rights Commission
Promoting health and productivity management Employees’ average monthly overtime hours 12.0 hours 12.9 hours
Undertaking social contribution activities Donation amount ¥30.0 million ¥44.78 million
Strengthening risk manangement Competent application of the management cycle Initiatives to enhance quantitative risk management and foster a risk culture
5 Gender Equality
16 Peace, Justice and Strong Institutions
Improvement of AML/CFT system AML/CFT Program Development and Implementation
Continuation of compliance Ongoing execution of education and training programs Continuing education on compliance risks
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