Materiality

Material Issues Designation Process

The Seven Bank Group designated five material issues (materiality) in 2019 toward the achievement of sustainable growth. Then the development in the following five years, including the expansion of the retail financial business and overseas business, changed the Group’s business portfolio significantly, and the external environment also has changed. To respond to these changes, we have re-examined the validity of our materiality, and identified the following five material issues anew. Currently, we are working on setting KPIs and targets.

Social issues to be addressed/Vision

SUSTAINABLE DEVELOPMENT GOALS

Category	Material issues	Social issues to be addressed	Vision
fundamental value	Offer a social infrastructure available anytime with safety and security	Amid drastic changes in the environment surrounding the financial sector, the provision of a safe and secure settlement infrastructure is now one of the most important issues against the backdrop of the growth of digital payments in addition to the increasing sophistication and ingenuity of financial crimes and increase in cyber attacks. In addition, as natural disasters are getting to cause severer damages than before, there is a need to establish and support a safe and secure infrastructure for people’s life.	Seven Bank will provide ATM services that are available at any time in daily life by building a security system that is solid whether at normal times or in an emergency, as well as an organization and structure to minimize operation suspensions in the event of an emergency, to become a social infrastructure that provides safety and security to society.
Social value	Realize a wide variety of services accessible to anyone, anywhere	In order to address issues of disparities such as regional disparities and the digital divide (information gap), it is essential to build alternative social and information infrastructures. Driving DX across society through closer cooperation between the public and private sectors will lead to realizing a world where people of any age in any region can access the services they need.	Aiming to be “the most user-friendly digital channel in society,” through a network of over 50,000 ATMs in five countries around the world, we will establish a social infrastructure accessible to anyone, anytime and anywhere to provide a variety of services needed by users.
Creation of new values	Create unique values beyond our customers’ expectations	The evolution of digital technology and lifestyle changes are making customers’ values and needs more diverse than before. In addition to providing highly convenient financial services that meet the needs of individual customers, we are also required to build relationships with customers through providing new customer experiences.	On top of the basis of “being close-by and convenient” and “safety and security,” through the development of new “retail x finance” services out of the box of conventional financial services, we will create new value that will connect us with customers in their daily lives.
Source of value creation	Create a society where everyone can be active	Now we live in the world where diversity is turned into strengths. In corporate management, to create a work environment suitable for diverse human resources and diverse work styles, as well as to develop every individual’s career and skills will be the key to strengthening competitiveness. In society, respecting different cultures and values and working together across differences in nationality, gender and religion will lead us to solutions to issues and further development.	Respecting human rights and diversity, the entire Seven Bank Group will strive to be a group of companies that help everyone to have a sense of purpose in life and satisfaction in work. We will expand our drive to also involve our business partners and partner companies to achieve a society where diversity can thrive.
Value creation for the future	Contribute to the prosperity of our society and the future of the Earth	Addressing global environmental issues including weather disasters due to climate change and the loss of natural capital is an urgent challenge for corporate management. For the next generations, it will also be more necessary for financial institutions to work to develop new financial literacy among the public, about such things as electronic payments and digital currencies, in addition to preventing financial crimes and frauds.	To hand over the future of the Earth and society to future generations, we, as a corporate citizen, a financial institution, and a member of the Seven & i Group, will work on solutions to various issues that will allow companies, our society, and the planet to be sustainable.