ESG Data

Environment

Environmental Impact Data

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Direct Energy Consumption            
  Heavy oil A kl - - - 0 0
Indirect Energy Consumption            
  Electricity 1,000
kWh		 19,368 18,230 16,715 16,668 14,519
  Steam/Hot water GJ 958 1,032 1,607 1,355 1,209
  Cold water GJ 2,299 2,316 2,857 2,977 2,794
  Heavy oil A kl 1 0 0 0 0
Energy consumption (total), crude oil equivalent *1 kl 5,097 4,807 4,457 4,440 3,360
Total floor area m² 98,545 89,152 91,149 84,103 78,812
Ratio of energy consumption per unit of production to the previous year *2 % 99.7 96.1 91.4 107.0 91.9
  • *1　Based on the "Law Concerning the Rational Use of Energy and the Conversion to Non-Fossil Energy (Energy Conservation Law), the annual consumption of each fuel, heat, and electricity used is totaled and multiplied by a conversion factor to calculate the respective heat quantity [GJ (gigajoule)]. The calculated heat quantity [GJ] is summed up and the total heat quantity used [GJ] is multiplied by 0.0258 (crude oil conversion factor) to calculate the annual energy consumption (crude oil equivalent).
  • *2　In accordance with the clarification of the reporting standards of the "Energy Conservation Law," energy consumption of data centers used as tenants has been included since FY2022. (If the electricity consumption of the data center were not included, the unit requirement for FY2022 would be 98.6% of the previous year's level.)

CO₂ Emission *3

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Total (Consoldated) t-CO2 - - - 6,088 5,033
  Scope1 Direct CO2 emissions t-CO2 - - - 1,193 1,280
    Heavy oil A t-CO2 - - - 1 1
    Gasoline t-CO2 - - - 1,103 1,169
    Light oil t-CO2 - - - 89 110
  Scope2 Indirect CO2 emissions t-CO2 - - - 4,895 3,753
    Electricity t-CO2 - - - 4,623 3,459
    Steam/Hot water t-CO2 - - - 102 118
    Cold water t-CO2 - - - 171 176
    Heavy oil A t-CO2 - - - 0 0
Total (Non-Consolidated) t-CO2 9,959 9,061 8,250 80,085 77,606
  Scope1 Direct CO2 emissions t-CO2 0 0 0 18 18
    Heavy oil A t-CO2 - - - 1 1
    Gasoline t-CO2 - - - 17 17
  Scope2 Indirect CO2 emissions t-CO2 9,959 9,061 8,250 3,379 2,226
    Electricity t-CO2 9,773 8,870 7,995 3,107 1,974
    Steam/Hot water t-CO2 55 59 92 102 76
    Cold water t-CO2 131 132 163 171 176
    Heavy oil A t-CO2 1 0 1 0 0
  Scope3 Other indirect CO2 emissions t-CO2e - - - 76,688 75,362
    Category1 (Purchased goods and services) t-CO2e - - - 67,393 70,582
    Category2 (Capital goods) t-CO2e - - - 2,886 972
    Category3 (Fuel-and-energy-related activities, not
included in Scope 1 or 2)		 t-CO2e - - - 1,239 -
    Category4 (Upstream transportation) t-CO2e - - - 2,720 1,855
    Category5 (Waste) t-CO2e - - - 132 -
    Category6 (Business trip) t-CO2e - - - 1,334 815
    Category7 (Commuting) t-CO2e - - - 978 1,131
    Category8 (Upstream leased assets) t-CO2e - - - 0 0
    Category9 (Downstream transportation and distribution) t-CO2e - - - 0 0
    Category10 (Processing of sold products) t-CO2e - - - 0 0
    Category11 (Use of sold products) t-CO2e - - - 0 0
    Category12 (Abandonment of sold products) t-CO2e - - - 7 7
    Category13 (Downstream leased assets) t-CO2e - - - 0 0
    Category14 (Franchises) t-CO2e - - - 0 0
  • *3　Calculation method by FY 2021: Steam/Hot water, cold water, and heavy oil A are calculated using coefficients based on the "Act on Promotion of Global Warming Countermeasures". Electricity is calculated according to the most recent emissions factors for each electric utility for FY2020 based on the Act on the Promotion of Global Warming Countermeasures. This report calculates the market based figures based on the "basic emission factor (pre adjustment emission factor)", in which power companies do not reflect Kyoto Mechanism credits or cuts in domestic certified emissions, etc.
    Calculation method from FY 2022: Steam/Hot water, cold water, heavy oil A, Gasoline and light oil are calculated according to factors based on the Act on Promotion of Global Warming Countermeasures and "GHG Protocol."
    Electricity is calculated according to the most recent emissions factors for each electric utility for FY2020 based on the Act on the Promotion of Global Warming Countermeasures and other laws and regulations in each country.
    (market-based figures: Adjusted emission factor (by menu) for each electric utility; location-based figures: Alternative values (e.g., emission factors by country as specified by the International Energy Agency))
    Overseas travel (international routes) is calculated according to a factor specified in the Domestic emissions unit value databa ses for accounting for greenhouse gas emissions throughout the supply chain (Ministry of the Environment).

Waste

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Industrial waste emission t 90 88 123 268 77

Others

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Ratio of renewable energy use in electricity consumption % - - - 45.5 52.8
Number of employees who took e-learning class regarding environmental policy Persons - - - 2,100 2,063

Social

Status of Employees

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Number of employees (Consolidated) *4 Persons 5,335 5,424 5,317 5,333 5,404
Number of employees (Non-Consolidated) *4 Persons 2,063 2,112 2,111 2,071 2,042
  Male Persons 1,249 1,263 1,255 1,229 1,222
  Female Persons 814 849 856 842 820
  Ratio of female employees % 39.5 40.2 40.5 40.7 40.2
Number of employees (Non-Consolidated) *4 Persons 2,063 2,112 2,111 2,071 2,042
  Age range : 20s Persons 548 572 531 464 455
  Age range : 30s Persons 357 396 440 476 477
  Age range : 40s Persons 722 676 607 555 505
  Age range : 50 and over Persons 436 468 533 576 605
Average age Years old 40.7 40.5 40.8 41.1 41.3
Fixed-term employees (Average) Persons 84 87 96 104 113
Average years of continuous service Year 14.8 14.8 15.0 15.3 15.5
  Male Year 18.8 18.8 18.8 18.9 18.6
  Female Year 8.8 8.8 9.4 10.2 10.6
Attrition rate % 3.0 2.9 3.0 3.5 3.3
Ratio of employees with disabilities % 2.27 2.33 2.35 2.65 2.65
Number of employees who reach Mandatory Retirement Age Persons 17 28 34 36 43
  Of rehired employees Persons 13 24 30 25 37
  • *4　Total of regular employees and regular emplpyees fixed to workplaces.
    (Excluded employees seconded from ACOM but includes those seconded to ACOM.)

Support of Leave

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Ratio of paid leave taken % 74.3 72.4 71.0 80.0 83.5
Average of paid leave taken Days 13.6 12.9 12.8 14.6 15.3
Ratio of childcare leave *5 % 59.1 59.4 74.5 76.4 105.8
  Male % 17.6 22.6 39.1 54.8 103.8
  Female % 85.2 93.9 103.6 104.2 107.7
Number of childcare leave Persons 26 38 38 42 55
  Male Persons 3 7 9 17 27
  Female Persons 23 31 29 25 28
Return-to-work rate from childcare leave *6 % 100.0 100.0 100.0 100.0 100.0
  Male % 100.0 100.0 100.0 100.0 100.0
  Female % 100.0 100.0 100.0 100.0 100.0
Number of employees returning to work after childcare leave Persons - 41 42 53 48
  Male Persons - 8 7 18 26
  Female Persons - 33 35 35 22
Number of retention on return from childcare leave *7 *8 Persons 26 32 34 - -
  Male Persons 3 7 9 - -
  Female Persons 23 25 25 - -
Retention rates on return from childcare leave *8 % 100.0 84.2 89.5 - -
  Male % 100.0 100.0 100.0 - -
  Female % 100.0 80.6 86.2 - -
Number of shorter work hours for childcare Persons 77 93 86 93 92
Number of nursing care leave *9 Persons 1 2 4 2 6
Number of long-term nursing care leave Persons 1 0 0 0 0
  • *5　Number of employees who took childcare leave divided by number of employees who gave birth
  • *6　Number of employees who took childcare leave divided by number of employees who reinstatement.
    (Only for those planning to end childcare leave during the piriod.)
  • *7　Number of employees enrolled at the end of 12 months after return from childcareleave divided by the total number of employees returning from childcare leave during the fiscal year.
  • *8　FY2022 and FY2023 cannnot be calculated as one year has not yet passed since returning to work.
  • *9　Number of persons acquiring the certificate has been changed to a total number of persons from FY2021.

Female Representation in Managerial Positions

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Ratio of above assistant managers among all employees % 49.9 49.5 49.5 49.2 49.0
Ratio of female among above assistant managers % 16.3 17.0 18.4 20.2 21.5
Ratio of Assistant Manager % 25.5 24.7 24.5 23.7 22.6
Ratio of female among Assistant Manager % 23.2 25.4 27.0 29.3 30.6
Ratio of employees above Chief Manager % 13.1 13.1 13.3 13.4 13.4
Ratio of female in managerial positions *10 % 4.3 4.8 5.5 6.1 8.2
Ratio of General Manager among all employees % 1.4 1.3 1.4 1.5 1.6
Ratio of female among General Manager % 0.0 3.6 3.1 3.1 2.8
Ratio of female among Executive Officer % 0.0 0.0 0.0 0.0 0.0
Number of new assistant managers Persons 53 53 44 52 42
Ratio of female in the number of new assistant managers % 34.0 37.7 36.4 50.0 47.6
  • *10　Managerial positions means employees equivalent to or above Chief Manager

Salary

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Average annual salary Thousand yen 6,225 6,251 6,299 6,457 6,684
Gender pay gap % 60.1 60.4 62.4 63.6 68.4

Working Hours

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Average number of overtime hours worked per month Hours 20.4 19.0 20.2 21.0 20.4
Annual working hours Hours 2,032 2,053 2,060 2,063 2,050

Developing Human Resources

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Training expences Million yen 150 82 175 191 174
  Personal development, incentive-related costs Million yen 13 15 20 27 18
Number of employees holding the qualification for Chiefs of Money Lending Operations *11 Persons 1,040 1,116 1,180 1,188 1,236
Percentage of people holding the qualification for Chiefs of Money Lending Operations *11 % 48.8 50.5 53.4 54.1 56.2
Selection Training            
  Number of employees Persons 43 40 58 140 260
  Total training hours Hours 6,837 1,120 7,809 10,709 13,494
  Average training hours per employees Hours 158 28 135 76 52
  • *11　Only regular employees

Conversion of Job or Employment Status

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Job conversion Persons 26 12 3 9 9
  Male Persons 0 0 0 1 1
  Female Persons 26 12 3 8 8
Employment status conversion Persons 5 3 1 1 1
  Male Persons 1 0 0 0 0
  Female Persons 4 3 1 1 1

Work-Related Safety and Health

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Work-related accidents Accidents 1 2 3 0 2
  Resulting in leave Accidents 0 0 0 0 0
Commuting related accidents Accidents 7 4 6 1 3
  Resulting in leave Accidents 0 1 1 0 0

Recruitment

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Total Persons 172 138 98 99 133
  New Graduate Recruitment *12 Persons 107 71 64 63 78
    General career Persons 95 59 59 60 72
    Specific career Persons 12 12 5 3 6
  Mid-career Recruitment Persons 65 67 34 36 55
Ratio of female recruitment % 54.1 50.0 50.0 38.4 33.1
Retention rate of new graduate recruits 3 years later % 82.4 74.6 84.3 82.2 78.9
Starting salary for university graduates in generalists Thousand yen 240 240 240 240 260
Number of Internships and one-day work experience held Internships 15 24 21 24 26
  • *12　These join the company on April 1 each next fiscal year.

Health and Productivity Management

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Periodic Health Examinations            
  Consultation rate % 100.0 99.6 100.0 100.0 100.0
  Smoking rate % 30.5 26.9 25.4 24.4 24.7
  Ratio of exerciser % 17.6 20.2 19.9 20.0 21.4
  Ratio of appropriate weight % 68.5 67.5 67.8 67.8 66.3
  Ratio of Findings % 42.7 43.5 42.1 41.1 41.7
  Ratio of a full medical check-up received % - - - 21.6 21.6
  Ratio of people eligible for health guidance *13 % 19.3 21.2 19.3 19.8 19.3
  Retention rate of health guidance *14 % 93.8 93.1 96.2 94.6 99.0
  Retention rate of treatment % 12.0 12.8 14.2 15.0 16.2
Stress Examination            
  Ratio of taking examination % 93.8 94.7 93 96.9 96.4
  High stress rate % 12.5 12.8 14.8 14.6 13.9
Status of leave due to injury and illness Persons 37 28 37 43 40
Number of employees taking e-learning about Health and Productivity Management Persons - - - 2,155 2,103
Employee participation in health investment measures Persons 2,345 2,445 2,462 1,837 1,952
Number of health points given per person per year Points 5,544 6,623 7,110 9,070 10,662
  • *13　Number of people who are eligible for specific health guidance divided by employees over 40.
  • *14　Number of people who have completed specific health guidance divided by number of subjects.

Social Contribution Activities

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Expences for social contribution *15 *16 Million yen 118 262 306 236 297
ACOM Miru Concert Monogatari            
  Number of concerts held Concerts 10 - 2 13 13
  Number of audiences Persons 9,519 - 930 7,357 8,017
Financial Education            
  Number of classes held Classes 6 7 11 26 32
  Number of students *17 Persons 1,420 588 663 1,757 2,263
Blood Donation Drive            
  Number of donating blood activities held Donations 5 2 7 10 9
  Number of participants Persons 305 102 392 473 503
Walking events            
  Number of participants Persons 665 799 854 823 844
  Amount of donation Thousand yen 789 745 697 900 900
Forest conservation program "ACOM Forest"            
  Number of the program held Programs - - - 4 11
  Number of participants Persons - - - 76 163
Funding related to social contribution activities Million yen - 73 97 131 125
Plastic bottle cap donation *18 kg 164 120 55 99 151
Old stamp donation *19 Donations 0 2 1 2 0
ACOM Bluebird Fund *20 Thousand yen 510 1,000 1,100 1,000 3,800
Number of donations for disaster stockpiles *21 Donations 0 1 2 1 1
  • *15　Added personnel expences of employees who mainly work on social contribution from FY2019.
  • *16　Added expences of MUFG's social contribution activities (donation program) from FY2020.
  • *17　It shows approximate value in FY2019.
  • *18　Plastic bottle caps are sold to recyclers to fund vaccines for children in the countries we support, mainly in Southeast Asia.
  • *19　Sold as old stamp sets at welfare stores and bazaars to fund intellectual handicap awareness activities.
  • *20　Donations are collected through donation boxes at each workplace and through employee payroll deductions, and are donated to relief efforts in the event of a natural disaster.
  • *21　Used in the food bank business that supports food for single parent families in Japan.

Governance

Board of Directors

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Number of Directors Persons 9 9 9 9 9
  Of these, outside director Persons 2 2 2 2 2
Compensation Million yen 233 245 235 236 256
Number of meetings held Meetings 12 12 13 12 12
Attendance rate % 98.1 99.1 100.0 100.0 99.1

Audit and Supervisory Committee

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Number of members Persons 3 3 3 3 3
  Of these, outside director Persons 2 2 2 2 2
Number of meetings held Meetings 14 14 14 16 15
Attendance rate % 100.0 100.0 100.0 100.0 100.0

Appointment and Remuneration Committee

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Number of members Persons 6 6 6 6 6
  Of these, outside director Persons 2 2 2 2 2
Number of meetings held Meetings 3 3 4 5 6
Attendance rate % 100.0 100.0 100.0 100.0 100.0

Compliance Committee

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Number of members *22 Persons 5 5 7 5 5
  Of these, outside director Persons 3 3 4 3 3
Number of meetings held Meetings 6 6 6 5 4
Attendance rate % 96.7 100.0 100.0 100.0 95.0
  • *22　The first committee had 5 members (including 3 outside directors) in FY2021.

Information Disclosure Committee *23

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Number of members *24 Persons 12 13 11 6 7
  Of these, outside director Persons 0 0 0 0 0
Number of meetings held Meetings 8 8 9 9 9
Attendance rate % 97.8 99.0 93.2 98.6 97.0
  • *23　Held as Financial Information Disclosure Committee until June 2022.
  • *24　The first to third committee had 11 members in FY2022.

Corporate Risk Committee

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Number of members *25 Persons 7 7 7 7 7
  Of these, outside director Persons 2 2 2 2 2
Number of meetings held Meetings 5 4 4 5 5
Attendance rate % 100.0 100.0 100.0 97.1 100.0
  • *25　The first committee had 8 members (including 3 outside directors) in FY2019.

Conflict of Interest Advisory Committee *26

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Number of members Persons - - 3 3 3
  Of these, outside director Persons - - 3 3 3
Number of meetings held Meetings - - 0 0 0
Attendance rate % - - - - -
  • *26　Established in December 2021

Dialogues with Stakeholder

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Earnings Release Conference Conferences 2 2 2 2 2
Earnings Release Telephone Conference Conferences 4 4 4 4 4
Overseas IR Roadshow (Europe and America, Asia) Roadshows 2 - - 1 3
Conference sponsored by securities companies Conferences 3 3 3 2 4
Individual IR meetings Meetings 66 70 65 58 61
Conference for individual investors Conferences 2 1 2 4 3

Others

  Unit FY2019 FY2020 FY2021 FY2022 FY2023
Number of whistleblowing Whistle-blowings 52 68 60 71 86
Number of employees taking e-learning Persons          
  Training on the Money Lending Business Act Persons 1,849 1,665 1,770 1,790 1,641
  Training on the Installment Sales Act Persons 2,073 2,024 2,062 1,987 1,841
  Training on prevention of financial crime Persons - 2,312 2,262 2,237 1,969
  Training on prevention of insider trading Persons 2,276 2,298 2,255 2,230 2,256
  Training on information security Persons 2,261 2,301 2,811 2,791 2,484
  Training on outsourcing management *27 Persons 638 652 636 670 550
  Training on harassments Persons 2,293 2,247 2,174 2,213 1,901
  Training on MUFG
/the ACOM Group Code of Ethics and Code of Conduct		 Persons 4,543 4,604 4,542 4,484 4,194
  Training on risk management Persons - - - 2,181 2,111
  Training on response to disasters *28 Persons 2,229 2,221 2,181 4,499 4,047
  Training on Sustainability Persons - - - 2,140 -
  Training on response to complaints Persons 2,263 2,257 2,215 2,223 2,010
  Training on purchasing operations *29 Persons - - - 628 539
  Training on LGBTQ Persons - - - 2,101 2,005
Total Donations to Political Parties, etc Million yen 1 1 1 1 1
Number of serious violations of laws Violations 0 0 0 0 0
  • *27　Only for the departments engaged in outsourcing.
  • *28　Twice a year in FY2022 and FY2023.
  • *29　Only for the departments engaged in purchasing.

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