Governance

(Nonconsolidated)

FY2023

FY2024

FY2025

Number of Directors

9

9

9

Ratio of Female Directors

11.1%

11.1%

11.1%

Number of Outside Directors

5

5

5

Number of Board of Directors Meetings Held

18

11

12

Attendance Rate for the Board of Directors Meetings

99%

98%

100%

※ As of the Annual General Meeting of Shareholders held after the end of each respective fiscal year.

Employees

(Nonconsolidated)

FY2023

FY2024

FY2025

Number of Employees

2,288

2,309

2,419

 Male

1,314

1,352

1,419

  Ratio

57%

59%

59%

 Female

974

957

1,000

  Ratio

43%

41%

41%

Competitive Ratio in Recruitment

(Applicant base)

22.1

9.4

9.4

 Male

19.1

8.7

9.1

 Female

38.2

12.7

10.5

Average Age

43.0

43.0

42.7

 Male

42.2

42.0

41.5

 Female

44.0

44.5

44.4

Average Years of Service

13 years 9 months

13 years 7 months

13 years 1 month

 Male

12 years 6 months

12 years 0 month

11 years 5 months

 Female

15 years 6 months

15 years 10 months

15 years 7 months

Average Monthly Salary

¥499 thousand

¥526 thousand

¥536 thousand

Number of Business-Limited Employees

136

122

105

Number of Contract/Fixed-term Employees

290

313

360

Number of Temporary Employees

0

0

0

Number of Overseas Locals Recruited

0

0

0

Number of New University Graduates Hired

53

62

81

 Male

31

52

64

  Ratio

58%

84%

79%

 Female

22

10

17

  Ratio

42%

16%

21%

Number of Mid-career Personnel Recruited

72

147

172

 Male

53

102

104

 Female

19

45

68

Ratio of Female Managing Executive Officer

14%

8%

15%

Number of Managers

776

794

805

Number of Female Managers

Section Manager Level or Higher

168

164

179

  Ratio

21.6%

20.7%

22.2%

Assistant Manager Level or Higher

513

503

537

  Ratio

34.1%

33.2%

34.5%

Number of Employed Persons with Disabilities

45

49

47

Employment Rate of Persons with Disabilities

2.4%

2.7%

2.4%

Turnover Ratio (Voluntary)

4.4%

4.9%

3.5%

Average Overtime Hours per Month

19.8

19.7

19.6

Average Paid Leave Acquisition Rate ~{※1}

67.6%

69.5%

71.0%

Ratio of Employees Taking Consecutive Leaves (One Week Leaves)  ~{※1}

97.5%

98.6%

98.3%

Number of Employees Taking Childcare Leave 

50

42

53

 Male

21

14

31

 Female

29

28

22

Number of Employees Taking Life Support Leave

11

3

11

Number of Employees Taking Family Care Leave

8

10

9

Number of Employees Registering for Concurrent Business or Side Business

81

89

92

Ratio of Employees Using Teleworking ~{※2}

51.0%

62.0%

60.6%

Number of Employees Using Continued Employment System

40

42

52

Number of Employees Using Come Back System ~{※3}

103

112

113

 Male

51

58

61

 Female

52

54

52

Number of Job-type or Employment-status Changes

39

33

39

 Male

11

11

9

 Female

28

22

30

  1. The average paid leave acquisition rate and the ratio of employees taking consecutive leave include personnel seconded to the Bank and exclude personnel seconded to other organizations.
  2. The ratio of SBI Shinsei Bank employees who used teleworking at least once during each fiscal year. 
  3. The number of SBI Shinsei Bank employees who left the Bank and were re-employed and working at the Bank (excluding employees using continued employment system).

Environment

(Consolidated)

FY2023

FY2024

FY2025

Environment Impact Data

 Gas Usage (m3)

45,600

46,225

47,093

Heavy Oil Usage (kl)

2

1

1

 Gasoline Usage (kl)

265

262

276

 Diesel Usage (kl)

74

97

55

 Hot Water Usage (GJ)

41

43

13

 Cold Water Usage (GJ)

1,885

3,022

2,320

 Electricity Usage (MWh)

25,404

23,473

21,558

 Tap Water Consumption (t)

9,896

10,372

10,367

CO₂ Emissions

 CO₂ Emissions (t)

10,031

8,929

7,717

  Scope1 (Direct Emissions)(t) 

921

698

884

   Gas 

102

97

98

   Heavy Oil 

5

2

3

   Gasoline

615

600

743

   Diesel

200

262

39

  Scope2 (Indirect Emissions)(t) 

9,110

8,230

6,833

   Hot Water

2

2

1

   Cold Water

107

161

123

   Electricity

9,001

8,093

6,709

  Scope3 (Other Indirect Emissions)(t) 

3,665

3,711

3,917

   Business Travel

2,070

1,944

2,286

   Commuting

1,595

1,767

1,631

Amount of Waste Generated/Recycling

 Waste Generated (t)

163

175

180

 Amount Recycled (t)

93

104

95

 Amount of Waste Disposal (t)

70

71

85

 Recycling Rate

57%

59%

53%

  • Environment Impact Data and CO₂ Emissions are the total of SBI Shinsei Bank, its main domestic subsidiaries, and UDC Finance.Of these, Scope 3 are the total of SBI Shinsei Bank's Main domestic subsidiaries. Amount of Waste Generated/Recycling is the total for SBI Shinsei Bank and group companies located in the SBI Shinsei Bank Head Office in the Nihonbashi Muromachi Nomura Building.
  • For the CO₂ conversion associated with the use of gas, heavy oil, gasoline, light oil, and chilled water, emission factors based on the Act on Promotion of Global Warming Countermeasures are used. For electricity, the adjusted emission factors by electric utility companies for FY2023, as stipulated under the "Greenhouse Gas Emissions Calculation, Reporting and Disclosure System" based on the same Act, are applied.
  • In line with the change in fiscal year, UDC's reporting period for FY2024 spans 15 months, from January 2024 to March 2025.

GHG Emissions of the Bank's Financed Entities

Asset Type

Balance to be Calculated

(JPY1billion)

GHG Emissions

(ktCO2e)

Carbon Intensity

Data Quality Score

Business Corporations

4,294

5,576

1.30 (ktCO2e/JPY1billion)

2.40

Project Finance

563

767

1.36 (ktCO2e/MWh)

2.98

Real Estate Nonrecourse Loan

950

241

0.03 (ktCO2e/1,000m2)

4.42

Housing Loans

1,549

107

1.56 (ktCO2e/dwelling)

4.13

  • The GHG emissions are calculated in accordance with the international standards published by PCAF.
  • Data Quality Score: The accuracy of measurement and estimation approaches for GHG emissions of investees is scored on a five-point scale, with lower scores indicating higher accuracy.
  • The GHG emissions represent the portion attributable to our banking group from the total emissions of each investee.
  • Based on the asset type classifications under the PCAF standard, corporate entities are assessed using the methodologies for “listed equity and corporate bonds” and “business loans and unlisted equity,” residential mortgages under “residential real estate,” project finance under “project finance,” and commercial real estate non-recourse loans under “commercial real estate,” to calculate the GHG emissions of the investee portfolio.

Contribution to Society

(Consolidated)

FY2023

FY2024

FY2025

Financial Literacy Education Program (MoneyConnection®)

 Number of Schools where the Program was Held (Cumulative Total)

1,494

1,574

1,643

 Number of Student Participants (Cumulative Total)

185,430

194,696

202,791

Social Contribution Activities

 Number of Volunteer Activities

23

31

27

 Number of Employees Participants

621

752

825

Compliance

(Nonconsolidated)

FY2023

FY2024

FY2025

Number of Whistle-Blowing Reports

3

4

5