SBI Group, which we belong to, has the following common managerial philosophies, and all officers and employees shall practice appropriate behavior in compliance with "SBI Group Compliance Code of Conduct".


1. to have sound ethical sense of value
2. to become a financial innovator
3. to aim to become a creator of new industries
4. to continue self-evolution
5. to fulfill social responsibilities


Thereunder, as our management principles, we are to be:


1. a banking group that is sought out by customers, with stable profitability, and contributing to be the development of industrial economies in Japan and overseas
2. a banking group that values diverse talents and cultures and that is continually able to take on new challenges in a changing environment while taking into consideration experience and history
3. a banking group that has highly transparent management as well as be trusted by all stakeholders including customers, investors, and employees.


In order to realize this, we will comply with all laws, regulations and social norms in executing our operations, respect the basic human rights of all people, and make decisions and act quickly with in-depth analyses and flexible thinking.


In addition, we will respect the personality of our employees and promote a corporate culture under which all employees can demonstrate and develop their professional skills.


We hereby declare the aforementioned decision as a charter.

1. Maintaining Trust

We fully recognize the importance of our social responsibilities and public role as a financial group.
We will strive to maintain unwavering trust from society through the sound and proper management of our business activities based on the principle of self-responsibility.

2. Placing Our Customers First

We recognize that the satisfaction of our customers and their confidence in us form the foundation of our existence.
We will always provide our customers with our best products and services that meet their real needs, while also protecting their interests.

3. Maintaining Transparency of Management

We aim to be an "open financial group" for all of our stakeholders including shareholders and investors by promoting fair, timely and appropriate disclosure of management information.
We will secure sound management and enhance transparency by constantly enhancing our business operations.

4. Respect for Employees

Our success depends on our employees.
We will respect the human rights of all our employees and will create an excellent work environment where they are given opportunities to develop higher skills, are evaluated fairly, and are compensated properly.

5. Strict Compliance with Laws and Regulations, etc.

We will strictly comply with all applicable laws and regulations in and outside Japan as well as our internal rules. We will fulfill our responsibility to society by acting with fairness and integrity in conformity with the common values of society.

6. Banning Any Relations with Anti-Social Forces

We will take a firm and resolute stand against anti-social forces which threaten the order and security of our society. We will block their unjust invasion and will break off our relationships with anti-social forces in order not to provide them with a base for their activities.

7. Contribution to Society

In order to play our role as a ″good corporate citizen″ contributing to the development of society, as a company and directors, officers, and employees, we will aim to realize a sustainable society by proactively addressing social issues through our activities which contribute to society.