SASB INDEX

In line with its Cyber Security Management Declaration, the Resona Group aims to strengthen its cyber security measures under top management’s initiative and thereby counter cyber threats that have become ever more serious and sophisticated. Furthermore, the Group strives to address risks arising from cyber vulnerability and, to this end, based on its Personal Information Protection Declaration, it regularly reviews, updates and improves its policies, organizational structure and rules aimed at ensuring the proper handling of information as well as initiatives aimed at ensuring the reliable protection of information.

Declaration of Cyber Security Management

Since the SASB definition of “programs designed to promote small business and community development” is based on the laws and regulations of the United States, we disclose alternative information based on the laws and regulations of Japan.

In Japan, SMEs are defined as businesses whose capital amounts to 300 million yen or below (100 million yen in the case of the wholesale industry and 50 million yen in the case of retail, restaurant and goods leasing industries) or businesses with a total of 300 employees or fewer (100 in the case of wholesale and goods leasing industries and 50 in the case of retail and restaurant industries).

Balance of loans to SMEs (total of Group banks; as of March 31, 2023：33,043.2 billion yen Resona Group Disclosure Book 2022 Data Edition)

Integrated Report

In SASB, the definitions of the “unbanked” have no bank accounts at all, the “underbanked” have bank accounts but usually use non-banks for financing and the “underserved” cannot receive sufficient financial services, are in line with U.S. laws and regulations. We disclose corresponding information based on Japanese laws and regulations.

The Resona Group provides financial and economic education for elementary, junior high and high school students who will lead future generations so that they can acquire monetary literacy in a fun way.

Financial and Economic Education

The Resona Group is promoting diversity & inclusion to achieve value creation supported by diverse employees who strive to understand each other’s differences in ways of thinking, respect and inspire one another and proactively incorporate new ideas from their peers.

To this end, the Group has introduced a variety of programs aimed at helping women achieve career success and encouraging employees to embrace diverse working styles. As a result, the ratio of women in the overall number of directors at Resona Holdings is 25.0%. Moreover, the ratio of women in the total head count is 48.2% for Group banks (Resona Bank, Saitama Resona Bank, Kansai Mirai Bank and Minato Bank). In addition, the ratio of female line managers is 31.4% for Resona Bank, Saitama Resona Bank, Kansai Mirai Bank and Minato Bank. As of June 2022, the ratio of people with disabilities is 2.39%.

Diversity & Inclusion

ESG Data

In line with its “Responsible Investment Policy,” the Resona Group undertakes, in the course of managing trust assets, the close assessment and analysis of investees’ non-financial performance, including their response to ESG issues, in addition to assessing their financial performance. By doing so, the Group encourages investees to work to improve their corporate value and achieve sustainable corporate growth on a medium- to long-term basis.

Resona Sustainability Report 2022/2023 Responsible Investment Section Chapter1(P30-35)

The Resona Group is aware of its responsibilities with regard to the improvement of investees’ corporate governance as well as the profound impact its investment activities can have on the environment and society as a whole. The Group also recognizes that these changes in the environment and society will affect investment performance. Taking the aforementioned factors into account, the Group has established the Global Governance Principles, which aim to provide standards for the exercise of voting rights associated with domestic and overseas stocks.

Resona Sustainability Report 2022/2023 Responsible Investment Section Chapter1(P30-85)

For details regarding credit exposure by industry, please refer to the page 7 in the PDF file titled “Status of Capital Adequacy/Basel Data Section (FY2022)” posted on the following section of our corporate website.

Status of Capital Adequacy / Basel Data Section

In line with its “Basic Stance on Lending,” the Resona Group aims to contribute to the creation of a sustainable society and, to this end, is proactively assisting customers in their efforts to tackle social and environmental issues via the development and provision of products and services designed to help them address social and environmental concerns. The Group also maintains a structure and procedures aimed at properly
assessing and evaluating the environmental impact of large projects and environmental initiatives undertaken by customers.

Initiatives for Socially Responsible Investing and Lending

The Resona Group maintains a whistleblowing system comprising both in-house and external hotlines that are accessible to all employees (including those who have resigned) and their families. The Group also prohibits the detrimental treatment of whistleblowers while taking thoroughgoing measures to ensure that the content of whistleblowing is kept secret. Furthermore, the Group is promoting the use of its whistleblowing system via posters and intranet pages designed to provide employees with the overview of the system and contacts to hotlines.

Compliance Advisory Resources

The Resona Group believes that in order to maintain sound and stable business operations, securing sufficient capital to cover risk is extremely important. Based on this belief, the Group is engaged in capital management aimed at maintaining its capital adequacy ratio at a sufficient level. In formulating management strategies, the Company clarifies the business areas in which it actively takes risks based on its social mission.

Capital Management

Since the index that the SASB recommends for disclosure takes into consideration the laws and regulations of the United States, we disclose alternative quantitative data based on the laws and regulations of Japan.

Consolidated Balance Sheet/Domestic Deposit

(total of Group banks; as of March 31, 2023)

• Individual: 38,072.3 billion yen
• Corporate: 19,109.6 billion yen

Financial Results Report

Since the index that the SASB recommends for disclosure takes into consideration the laws and regulations of the United States, we disclose alternative quantitative data based on the laws and regulations of Japan.

(Total of Group banks; as of March 31, 2023)

• Balance of domestic loans and bills discounted: 41,427.6 billion yen
• Of which, balance of loans to SMEs: 33,043.2 billion yen
• Of which, balance of apartment loans: 3,066.4 billion yen
• Of which, balance of residential housing loans: 13,715.3 billion yen

Integrated Report

Since the index that the SASB recommends for disclosure takes into consideration the laws and regulations of the United States, we disclose alternative quantitative data based on the laws and regulations of Japan.

(Total of Group banks; as of March 31, 2023)

• Balance of domestic loans and bills discounted: 41,427.6 billion yen
• Of which, balance of loans to SMEs: 33,043.2 billion yen
• Of which, balance of apartment loans: 3,066.4 billion yen
• Of which, balance of residential housing loans: 13,715.3 billion yen

Integrated Report