Basic Policy ＆ Promotion Structure
Representative Message
Aim for sustainable growth for
both society and our group
ESG policy:
Sustainability at SBI ARUHI
SBI ARUHI has enacted the ESG policy "Sustainability at SBI ARUHI" as follows. This policy was decided after discussion at the Board of Directors. We will continue to review this policy periodically after discussion at the ESG Committee and the Board of Directors.
- 1We contribute to addressing social challenges through business activities.
- SBI ARUHI provides a variety of products and services to address customers’ housing-related concerns, including their desire to buy and move into a new house or continue to live in their house even after selling it. By doing this, we aim to provide financial support to help customers have homes that fit with their life stages and to encourage the revitalization of customers’ existing housing stock and communities, thereby achieving a sustainable society.
- 2We actively engage with stakeholders.
- We engage with stakeholders in a transparent communication through our daily work, and public relations, investor relations, other various activities. Through each employee's business activities and contribution to local communities, SBI ARUHI aims to help address social challenges and have a positive impact on the society and environment.
- 3We take full steps for risk management and compliance.
- SBI ARUHI is actively working to fulfill its compliance responsibility, including observing laws, regulations, and corporate ethics, while also working to minimize the risk that our business activities could negatively affect the society and environment.
Framework for Promoting Sustainability
SBI ARUHI has established an ESG Committee chaired by CEO and consisting of the same members as the Executive Committee members. The ESG Committee meets quarterly as a general rule to discuss mid- and long-term sustainability trends of the company and the society, with authority to decide specific ESG actions and initiatives. The committee also provides the Board of Directors with reports twice a year as a general rule and shares progress in materiality and specific activities to deliver on it. It also discusses ESG policy, materiality issues that should be addressed, and key targets in advance and offers proposals to the Board of Directors.
The Board of Directors supervises the reported sustainability initiatives from the standpoint of improving corporate value and makes decisions on matters proposed by the ESG Committee.
The ESG Taskforce serves a function to drive company-wide efforts on specific ESG actions and initiatives defined by the ESG Committee and to support teams with implementation.
Communication with Stakeholders
The SBI ARUHI Group has important stakeholders, including customers who utilize housing financial products and services such as housing loans, as well as shareholders, business partners including realtors and franchisees, employees, and local communities.
As a leading company in the housing finance field, the SBI ARUHI Group promotes ESG initiatives through its business, believing that they contribute to a sustainable society. In line with the "Regional Revitalization" promoted by the SBI Group, we will contribute to the sustainable development of local communities, and it is one of our important missions to expand the base of home purchases nationwide through housing finance.
The SBI ARUHI Group deepens mutual understanding with stakeholders through dialogue, and reflects their feedback and evaluations in our corporate activities, products, and services.
Customers who utilize housing financial products and services such as housing loans
Mission
Helping customers achieve fulfilling lives through optimal housing finance products and various services, tailored to their life stage and needs
Effort example
- Providing a diverse range of products tailored to each life stage by leveraging our broad store network
- Simplifying procedures by introducing online applications and electronic contracting services
- Providing consultation for new loans and refinancing via both online and face-to-face channels
- Consultation for customers having difficulty with housing loan payments
- Offering products that respond to changes in life stages, such as leasebacks and reverse mortgages
- Distributing beneficial information through owned media
Franchisees
Mission
Support for providing more people with good housing loans
Effort example
- Customer service in collaboration with SBI ARUHI head office
- Support for opening new stores
- Promoting operational efficiency by introducing online applications and electronic contracting services
- Conducting training utilizing Zoom and e-learning
Realtors
Mission
Support more people in choosing SBI ARUHI's housing loans
Effort example
- Providing convenient services and tools
- Conducting study sessions on products and market trends
Shareholders
Mission
Meeting investor expectations by achieving growth
Effort example
- Holding general meetings of shareholders
- Holding earnings briefings (quarterly)
- Meeting with investors (opportunities for dialogue)
- Providing Shareholder Benefits
Employees
Mission
Friendly and rewarding workplace where every employee can thrive
Effort example
- Offering flexible work allowance to all employees
- Implementing flex-time program without core hours and telework program
- About 80% of annual paid leave ratio
Local communities
Mission
Revitalizing local communities through our business activities
Effort example
- Supporting home purchases in local regions through partnerships with regional financial institutions for housing loan guarantees and products
- Expanding the sales network, including opening new stores primarily in untapped areas nationwide
- ※ SBI ARUHI's initiatives as of March 2026