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
SBI ARUHI group has important stakeholders including customers who are considering buying a home and who purchased housing loans, as well as shareholders, business partners including realtors and franchisees, employees, and local communities.
SBI ARUHI Group deepens mutual understanding with stakeholders through conversation and reflects their feedback and reviews on our corporate activities, products, and services.
Customers who wish homebuying
Mission
Providing more people with good housing as Flat 35 leader in the industry and meet diversifying customer needs
Effort example
- Online support, transition to electronic contracts
- Product diversity, speedy loan execution
- Broad store network
- Distributing helpful information through ARUHI Magazines
Customers with housing loan
Mission
Long-term support for customers until they complete payment of their housing loans
Effort example
- Consultation for customers having difficulty paying their housing loan
- Providing information about refinancing to lower loans
- Encouraging people to buy insurance (all diseases) at mid-way point of their loan terms
FC（Franchisees）
Mission
Support for providing more people with good housing loans
Effort example
- Customer service in collaboration with SBI ARUHI head office
- Remote service for realtors
- Training utilizing Zoom
Realtors
Mission
Support to attract more people to SBI ARUHI's housing loans
Effort example
- Providing convenient services and tools
- Referraling customers through ARUHI Homebuying Concierge
Shareholders
Mission
Meeting the expectations of investors through growth
Effort example
- Holding general meetings of shareholders
- Holding earnings briefings (quarterly)
- Interviews with investors (conversation opportunities)
Employees
Mission
Friendly and rewarding workplace that empowers all employees
Effort example
- Offering flexible work allowance to all employees
- Implementing flex-time program without core hours and telework program
- About 70% of annual paid leave ratio
- Establishing “Kashiwa-no-ha Innovation Lab” as second headquarters
Local communities
Mission
Revitalizing local community and promoting city development through the “Most livable communities Award” program
Effort example
- Promoting livable cities, houses
- Organizing events
- ※ SBI ARUHI's initiatives as of July 2023