ESG Information

Environment-Related Governance and Promotion Structure

One of the important issues to be addressed as a priority (Materiality) is “contributing to the realization of a circular society and decarbonization”, and we are promoting various environment-related initiatives to realize this goal. We are making Company-wide and Group-wide efforts to contribute to the promotion of the circular economy by creating social value through our business, and to reduce the environmental impact of our Group’s business operations over the medium to long term.

Transition Plan

Our Group makes efforts to realize a circular society and decarbonization by 2050 in line with the Paris Agreement and build a society resilient to climate change, we have formulated the following transition plan to achieve our net zero goal.

Climate Change Initiatives

On this page, we express our support for the recommendations of the TCFD, Task Force on Climate-related Financial Disclosures, and disclose information on risks and opportunities related to climate change as recommended by the TCFD.

Reducing the Environmental Impact of Our Group’s Operations

Against the backdrop of the growing sense of crisis regarding the impact of climate change and the conservation of natural capital, calls for environment-related responses from companies are increasing rapidly. Our Group recognizes that it is an important social responsibility for us, as well, to contribute to the realization of a sustainable economy and promote the reduction of the environmental impact of our operations. We are reducing the environmental impact of our business operations and in 2025 established a plan to achieve net-zero emissions.

Contributing to the Realization of a Circular Society and Decarbonization through Our Business

Our Group recognizes that contributing to the realization of a sustainable economy is an important social responsibility amid the increasing seriousness of environmental challenges such as climate change. We will not only reduce the environmental impact of mobility and housing but also aid in the transition to a circular economy and the promotion of ethical consumption, and work together with our business partners to realize a circular society and decarbonization.

Initiatives to Human Rights

We respect human rights as the foundation of our business activities to realize a society in which the dignity of all people is ensured and everyone is respected equally, without leaving anyone behind.

Human Capital Strategy and Human Capital Management

By investing in human capital, we will increase the value of our human resources by encouraging each employee to learn and challenge themselves autonomously, and maximize their performance by leveraging their individual personalities and strengths, thereby enhancing our corporate value.

Commitment to Our Employees

We value and respect our employees' dedication to enhancing their own skills and fostering personal growth. Our commitment is to create an energetic and rewarding work environment where individuals can realize their full potential.

Inclusion &
Diversity

We aim to establish a corporate culture and working environment where all employees recognize and respect each other, and can play an active role and grow sustainably.

Customer Engagement

We regard our customers as our first priority, and have established policies in order to promote customer-oriented business operations and initiatives.

Improving the Quality of our Services

We will continue our efforts to enhance customer support services and strengthen our systems to further improve customer satisfaction.

Contributions to Enhancing Access to Finance

We are committed to helping our stakeholders to lead more abundant lifestyles.

Financial Education and Industry-Academia Collaboration

In collaboration with external stakeholders, we conduct various educational and awareness-raising activities related to finance.

Community Investment

We issue sustainability linked loans, bonds and social bonds. As a corporate citizen, our company and each of our employees actively seek to harmonize with society and make lasting contributions.

Sustainability Linked Finance

We have developed the Orico Sustainability Linked Finance Framework and issued Sustainability Linked Bonds/Loans as a means of raising funds to promote solutions to social and environmental challenges.

Disaster Prevention, Mitigation, and Support Efforts; Track Record of Donations and Sponsorships.

We at Orico are deeply committed to initiatives concerning disaster prevention, mitigation, and providing support in the aftermath. Furthermore, we take an active role in addressing social challenges by generously donating and sponsoring relevant initiatives.

Creating the Future: Education and Awareness Initiatives

We understand the importance of sustainability and are committed to conducting continuous education and raising awareness for our internal and external stakeholders.

Corporate Governance

We prioritize maintaining transparency in management and fairness towards stakeholders, as well as making prompt and definite decisions. Considering our business environment, we are committed to enhancing corporate governance.

Risk Management

Orico has established a "Risk Management Basic Policy" to comprehensively understand and manage various risks within the group. Divisions and Groups in charge are entrusted with managing individual risks, while the Risk Management Group oversees the overall management of these risks. To ensure effective control, Orico has established various committees, including the Comprehensive Risk Management Committee, that monitor and evaluate risks at the management level. The status of risk management across the entire Orico group is regularly reported to the Board of Directors and discussed in Executive Management Meetings.

Compliance

We consider compliance to be one of the most important challenges in management. We view compliance not only as adhering to legal regulations but also encompassing corporate ethics and social norms.

Responsible Business Operations

To ensure fair transactions, we take initiatives against anti-social forces, measures to prevent corrupt practices, money laundering and more.

Internal Controle System

We have established internal control system necessary to ensure that the directors' performance of their duties complies with laws and regulations and the Articles of Incorporation, as well as other systems necessary to ensure the propriety of other operations.

Information Security and Personal Data Protection

Our company is committed to the appropriate management of information assets, including our customers' personal information, based on our Information Security Basic Policy.