Based on our management principles, all directors, officers, and employees of our Group are committed to providing products and services that better serve the true interests of our customers and realizing a society where affluence circulates in the spirit of “Innovation and Fairness for Everyone.”
Recognizing that environmental pollution and climate change are critical issues for our Group, we will proactively utilize our advanced and highly convenient financial services driven by DX (Digital transformation), our unique competitive advantage, to reduce environmental burden, thus contributing to the development of a sustainable society.

Being aware of the impact that the entire cycle, from use, consumption, and discharge, to disposal of resources and energy associated with our business activities have on the global environment and climate change, we will work to reduce environmental burden by lowering CO2 emissions as a result of our business operations, using energy efficiently and expanding the use of renewable energy, putting resources to efficient use, reducing waste, and promoting reuse and recycling.

We will endeavor to comply with the Paris Agreement and other international frameworks, declarations, treaties, and guidelines on environmental conservation, as well as environmental and other laws and regulations of countries and regions in which we operate, and capture the latest global discussions on climate change, biodiversity, and other imperatives.

We will set environmental targets, revise them as appropriate on a regular basis, and make efforts to continuously improve relevant initiatives in order to achieve the said targets.

We will provide all directors, officers, and employees of our Group with training and other educational opportunities in order to surely promote the dissemination and initiative of this Policy.

By disclosing this Policy on our corporate websites and elsewhere, we will review and further promote our Group’s initiatives to reduce environmental burden through dialogues with customers and other stakeholders.

As soon as a new bank account is opened with SBI Sumishin Net Bank, a smartphone debit card number will be issued via our mobile banking app. For customers who open an account using smartphone authentication, a real bank card with a debit function will no longer be issued at the time of account opening, thus supporting completely cardless transactions.

Our customers are able to use their smartphones at Seven Bank's ATMs or Lawson Bank's ATMs nationwide, instead of using their bank cards, to perform banking transactions, such as withdrawing or depositing cash, and getting or repaying credit card loans.

A new company has been established to move into the carbon credit business as well as to promote digital transformation (DX) for forestry and forest management.