ESG Data

Environment

Environmental Impact Data

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Direct Energy Consumption            
  Heavy oil A kl - - - - 0
Indirect Energy Consumption            
  Electricity 1,000
kWh		 21,830 19,368 18,230 16,715 16,668
  Steam/Hot water GJ 843 958 1,032 1,607 1,355
  Cold water GJ 2,447 2,299 2,316 2,857 2,977
  Heavy oil A kl 0 1 0 0 0
Energy consumption (total), crude oil equivalent *1 kl 5,731 5,097 4,807 4,457 4,440
Total floor area m² 102,268 98,545 89,152 91,149 84,103
Ratio of energy consumption per unit of production to the previous year *2 % 97.9 99.7 96.1 91.4 107.0
  • *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 FY2018 FY2019 FY2020 FY2021 FY2022
Total (Consoldated) t-CO2 - - - - 6,088
  Scope1 Direct CO2 emissions t-CO2 - - - - 1,193
    Heavy oil A t-CO2 - - - - 1
    Gasoline t-CO2 - - - - 1,103
    Light oil t-CO2 - - - - 89
  Scope2 Indirect CO2 emissions t-CO2 - - - - 4,895
    Electricity t-CO2 - - - - 4,623
    Steam/Hot water t-CO2 - - - - 102
    Cold water t-CO2 - - - - 171
    Heavy oil A t-CO2 - - - - 0
Total (Non-Consolidated) t-CO2 11,552 9,959 9,061 8,250 80,085
  Scope1 Direct CO2 emissions t-CO2 0 0 0 0 18
    Heavy oil A t-CO2 - - - - 1
    Gasoline t-CO2 - - - - 17
  Scope2 Indirect CO2 emissions t-CO2 11,552 9,959 9,061 8,250 3,379
    Electricity t-CO2 11,364 9,773 8,870 7,995 3,107
    Steam/Hot water t-CO2 48 55 59 92 102
    Cold water t-CO2 139 131 132 163 171
    Heavy oil A t-CO2 0 1 0 1 0
  Scope3 Other indirect CO2 emissions t-CO2e - - - - 76,688
    Category1 (Purchased goods and services) t-CO2e - - - - 67,393
    Category2 (Capital goods) t-CO2e - - - - 2,886
    Category3 (Fuel-and-energy-related activities, not
included in Scope 1 or 2)		 t-CO2e - - - - 1,239
    Category4 (Upstream transportation) t-CO2e - - - - 2,720
    Category5 (Waste) t-CO2e - - - - 132
    Category6 (Business trip) t-CO2e - - - - 1,334
    Category7 (Commuting) t-CO2e - - - - 978
    Category8 (Upstream leased assets) t-CO2e - - - - 0
    Category9 (Downstream transportation and distribution) t-CO2e - - - - 0
    Category10 (Processing of sold products) t-CO2e - - - - 0
    Category11 (Use of sold products) t-CO2e - - - - 0
    Category12 (Abandonment of sold products) t-CO2e - - - - 7
    Category13 (Downstream leased assets) t-CO2e - - - - 0
    Category14 (Franchises) t-CO2e - - - - 0
  • *3　Calculation method for FY 2018 through 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 for 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 dat aba ses for accounting for greenhouse gas emissions throughout the supply chain (Ministry of the Environment).

Waste

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Industrial waste emission t 78 90 88 123 268

Others

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Ratio of renewable energy use in electricity consumption % - - - - 49.8
Number of employees who took e-learning class regarding environmental policy Persons - - - - 2,100

Social

Status of Employees

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Number of employees (Consolidated) *4 Persons 6,623 5,335 5,424 5,317 5,333
Number of employees (Non-Consolidated) *4 Persons 2,020 2,063 2,112 2,111 2,071
  Male Persons 1,228 1,249 1,263 1,255 1,229
  Female Persons 792 814 849 856 842
  Ratio of female employees % 39.2 39.5 40.2 40.5 40.7
Number of employees (Non-Consolidated) *4 Persons 2,020 2,063 2,112 2,111 2,071
  Age range : 20s Persons 525 548 572 531 464
  Age range : 30s Persons 390 357 396 440 476
  Age range : 40s Persons 694 722 676 607 555
  Age range : 50 and over Persons 411 436 468 533 576
Average age Years old 40.4 40.7 40.5 40.8 41.1
Fixed-term employees (Average) Persons 113 84 87 96 104
Average years of continuous service Year 14.4 14.8 14.8 15.0 15.3
  Male Year 18.3 18.8 18.8 18.8 18.9
  Female Year 8.3 8.8 8.8 9.4 10.2
Attrition rate % 3.6 3.0 2.9 3.0 3.5
Ratio of employees with disabilities % 2.4 2.3 2.3 2.4 2.6
Number of employees who reach Mandatory Retirement Age Persons 30 17 28 34 36
  Of rehired employees Persons 21 13 24 30 25
  • *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 FY2018 FY2019 FY2020 FY2021 FY2022
Ratio of paid leave taken % 75.6 74.3 72.4 71.0 80.0
Average of paid leave taken Days 13.4 13.6 12.9 12.8 14.6
Number of childcare leave Persons 23 26 38 38 42
  Male Persons 1 3 7 9 17
  Female Persons 22 23 31 29 25
Ratio of childcare leave *5 % 46.9 59.1 59.4 74.5 76.4
  Male % 3.7 17.6 22.6 39.1 54.8
  Female % 100.0 85.2 93.9 103.6 104.2
Number of employees returning to work after childcare leave Persons 23 26 38 38 42
  Male Persons 1 3 7 9 17
  Female Persons 22 23 31 29 25
Return-to-work rate from childcare leave % 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 retention on return from childcare leave *6 *7 Persons 22 26 32 - -
  Male Persons 1 3 7 - -
  Female Persons 21 23 25 - -
Retention rates on return from childcare leave *7 % 95.7 100.0 84.2 - -
  Male % 100.0 100.0 100.0 - -
  Female % 95.5 100.0 80.6 - -
Number of shorter work hours for childcare Persons 75 77 93 86 93
Number of nursing care leave Persons 0 1 2 2 0
Number of long-term nursing care leave Persons 1 1 0 0 0
  • *5　Number of employees who took childcare leave divided by number of employees who gave birth
  • *6　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.
  • *7　FY2021 and FY2022 cannnot be calculated as one year has not yet passed since returning to work.

Female Representation in Managerial Positions

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Ratio of above assistant managers among all employees % 49.9 49.9 49.5 49.5 52.8
Ratio of female among above assistant managers % 15.0 16.3 18.3 18.4 20.2
Ratio of Assistant Manager % 25.3 25.5 24.7 24.5 24.9
Ratio of female among Assistant Manager % 21.9 23.2 25.4 27.0 29.3
Ratio of employees above Chief Manager % 13.9 13.1 13.1 13.3 13.4
Ratio of female in managerial positions *8 % 4.2 4.3 4.8 5.5 6.1
Ratio of General Manager among all employees % 1.3 1.4 1.3 1.4 1.5
Ratio of female among General Manager % 0.0 0.0 3.6 3.1 3.1
Ratio of female among Executive Officer % 0.0 0.0 0.0 0.0 0.0
Number of new assistant managers Persons 50 53 53 44 52
Ratio of female in the number of new assistant managers % 34.0 34.0 37.7 36.4 50.0
  • *8　Managerial positions means employees equivalent to or above Chief Manager

Salary

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Average annual salary Thousand yen 6,023 6,225 6,251 6,299 6,457
Gender pay gap % 60.4 60.1 60.4 62.4 63.6

Working Hours

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Average number of overtime hours worked per month Hours 21.2 20.4 19.0 20.2 21.0
Annual working hours Hours 2,075 2,032 2,053 2,060 2,063

Developing Human Resources

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Training expences Million yen 135 150 82 175 191
  Personal development, incentive-related costs Million yen 12 13 15 20 27
Number of employees holding the qualification for Chiefs of Money Lending Operations *9 Persons 967 1,040 1,116 1,180 1,188
Percentage of people holding the qualification for Chiefs of Money Lending Operations *9 % 53.3 55.9 58.4 61.7 63.1
Selection Training            
  Number of employees Persons 39 43 40 58 62
  Total training hours Hours 4,622 6,837 1,120 7,809 8,566
  Average training hours per employees Hours 117 158 28 135 138
  • *9　Only regular employees

Conversion of Job or Employment Status

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Job conversion Persons 23 26 12 3 9
  Male Persons 1 0 0 0 1
  Female Persons 22 26 12 3 8
Employment status conversion Persons 8 5 3 1 1
  Male Persons 2 1 0 0 0
  Female Persons 6 4 3 1 1

Work-Related Safety and Health

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Work-related accidents Accidents 1 1 2 3 0
  Resulting in leave Accidents 0 0 0 0 0
Commuting related accidents Accidents 4 7 4 6 1
  Resulting in leave Accidents 0 0 1 1 0

Recruitment

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Total Persons 170 148 174 105 100
  New Graduate Recruitment *10 Persons 83 107 71 64 63
    General career Persons 66 95 59 59 60
    Specific career Persons 17 12 12 5 3
  Mid-career Recruitment Persons 56 65 67 34 36
Ratio of female recruitment % 62.9 52.7 52.9 49.5 43.0
Retention rate of new graduate recruits 3 years later % 80.0 82.4 74.6 84.3 82.2
Starting salary for university graduates in generalists Thousand yen 220 240 240 240 240
Number of Internships and one-day work experience held Internships 10 15 24 21 24
  • *10　These join the company on April 1 each next fiscal year.

Health and Productivity Management

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Periodic Health Examinations            
  Consultation rate % 100.0 100.0 99.6 100.0 100.0
  Smoking rate % 31.8 30.5 26.9 25.4 24.4
  Ratio of exerciser % 16.9 17.6 20.2 19.9 20.0
  Ratio of appropriate weight % 69.6 68.5 67.5 67.8 67.8
  Ratio of Findings % 39.2 42.7 43.5 42.1 41.1
  Ratio of a full medical check-up received % - - - - 21.6
  Ratio of people eligible for health guidance *11 % 18.5 19.3 21.2 19.3 19.9
  Retention rate of health guidance *12 % 93.2 93.8 93.1 96.2 97.7
  Retention rate of treatment % 11.5 12.0 12.8 14.2 15.0
Stress Examination            
  Ratio of taking examination % 85.5 93.8 94.7 93 96.9
  High stress rate % 12.1 12.5 12.8 14.8 14.6
Status of leave due to injury and illness Persons 23 37 28 37 43
Number of employees taking e-learning about Health and Productivity Management Persons - - - - 2,155
Employee participation in health investment measures Persons - 2,345 2,445 2,462 1,837
Number of health points given per person per year Points - 5,544 6,623 7,110 9,070
  • *11　Number of people who are eligible for specific health guidance divided by employees over 40
  • *12　Number of people who have completed specific health guidance divided by number of subjects

Social Contribution Activities

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Expences for social contribution *13 *14 Million yen 36 118 262 306 236
ACOM Miru Concert Monogatari            
  Number of concerts held Concerts 10 10 - 2 13
  Number of audiences Persons 9,559 9,519 - 930 7,357
Financial Education            
  Number of classes held Classes 6 7 6 11 26
  Number of students *15 Persons 930 1,620 588 663 1,757
Blood Donation Drive            
  Number of donating blood activities held Donations 6 5 2 7 10
  Number of participants Persons 371 305 102 393 473
Walking events            
  Number of participants Persons - 665 799 854 823
  Amount of donation Thousand yen - 789 745 697 900
Forest conservation program "ACOM Forest"            
  Number of the program held Programs - - - - 3
  Number of participants Persons - - - - 76
Funding related to social contribution activities Million yen - - 73 97 131
Plastic bottle cap donation *16 kg 98 164 120 55 99
Old stamp donation *17 Donations 2 0 2 1 2
ACOM Bluebird Fund *18 Thousand yen 360 510 1,000 1,100 1,000
Number of donations for disaster stockpiles *19 Donations 2 0 1 2 1
  • *13　Added personnel expences of employees who mainly work on social contribution from FY2019.
  • *14　Added expences of MUFG's social contribution activities (donation program) from FY2020.
    https://www.mufg.jp/english/csr/contribution/management/index.html
  • *15　It shows approximate value in FY2018 and FY2019.
  • *16　Plastic bottle caps are sold to recyclers to fund vaccines for children in the countries we support, mainly in Southeast Asia.
  • *17　Sold as old stamp sets at welfare stores and bazaars to fund intellectual handicap awareness activities.
  • *18　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.
  • *19　Used in the food bank business that supports food for single parent families in Japan.

Governance

Board of Directors

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Number of Directors Persons 10 9 9 9 9
  Of these, outside director Persons 3 2 2 2 2
Compensation Million yen 196 233 245 235 236
Number of meetings held Meetings 13 12 12 13 12
Attendance rate % 98.3 98.1 99.1 100.0 100.0

Audit and Supervisory Committee

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Number of members Persons 4 3 3 3 3
  Of these, outside director Persons 3 2 2 2 2
Number of meetings held Meetings 15 14 14 14 16
Attendance rate % 100.0 100.0 100.0 100.0 100.0

Appointment and Remuneration Committee

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Number of members *20 Persons 6 6 6 6 6
  Of these, outside director Persons 2 2 2 2 2
Number of meetings held Meetings 3 3 3 4 5
Attendance rate % 100.0 100.0 100.0 100.0 100.0
  • *20　The first and second committee had 5 members (including an outside director) in FY2018.

Compliance Committee

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Number of members *21 Persons 5 5 5 7 5
  Of these, outside director Persons 3 3 3 4 3
Number of meetings held Meetings 6 6 6 6 5
Attendance rate % 100.0 96.7 100.0 100.0 100.0
  • *21　The first committee had 5 members (including 3 outside directors) in FY2021.

Information Disclosure Committee *22

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Number of members *23 Persons 10 12 13 11 6
  Of these, outside director Persons 0 0 0 0 0
Number of meetings held Meetings 8 8 8 9 9
Attendance rate % 95.0 97.8 99.0 93.2 98.6
  • *22　Held as Financial Information Disclosure Committee until June 2022.
  • *23　The first to third committee had 11 members in FY2022.

Corporate Risk Committee

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Number of members *24 Persons - 7 7 7 7
  Of these, outside director Persons - 2 2 2 2
Number of meetings held Meetings - 5 4 4 5
Attendance rate % - 100.0 100.0 100.0 97.1
  • *24　The first committee had 8 members (including 3 outside directors) in FY2019.

Conflict of Interest Advisory Committee *25

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Number of members Persons - - - 3 3
  Of these, outside director Persons - - - 3 3
Number of meetings held Meetings - - - 0 0
Attendance rate % - - - - -
  • *25　Established in December 2021

Dialogues with Stakeholder

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
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 2 - - 1
Conference sponsored by securities companies Conferences 2 3 3 3 2
Individual IR meetings Meetings 104 66 70 65 58
Conference for individual investors Conferences 1 2 1 2 4

Others

  Unit FY2018 FY2019 FY2020 FY2021 FY2022
Number of whistleblowing Whistle-blowings 66 52 68 60 71
Number of employees taking e-learning Persons          
  Training on the Money Lending Business Act Persons 2,223 1,849 1,665 1,770 1,790
  Training on the Installment Sales Act Persons 2,223 2,073 2,024 2,062 1,987
  Training on prevention of financial crime Persons - - 2,312 2,262 2,237
  Training on prevention of insider trading Persons 2,267 2,276 2,298 2,255 2,230
  Training on information security Persons 2,291 2,261 2,301 2,811 2,791
  Training on outsourcing management *26 Persons 572 638 652 636 670
  Training on harassments Persons 2,294 2,293 2,247 2,174 2,213
  Training on MUFG
/the ACOM Group Code of Ethics and Code of Conduct		 Persons 2,246 4,543 4,604 4,542 4,484
  Training on risk management Persons - - - - 2,181
  Training on response to disasters *27 Persons 2,235 2,229 2,221 2,181 4,499
  Training on Sustainability Persons - - - - 2,140
  Training on response to complaints Persons 2,253 2,263 2,257 2,215 2,223
  Training on purchasing operations *28 Persons - - - - 628
  Training on LGBTQ Persons - - - - 2,101
Total Donations to Political Parties, etc Million yen 2 1 1 1 1
Number of serious violations of laws Violations 0 0 0 0 0
  • *26　Only for the departments engaged in outsourcing.
  • *27　Twice a year in FY2022.
  • *28　Only for the departments engaged in purchasing.

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