ESG Data

Environment

Energy Consumption Data

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Direct Energy Consumption (Non-consolidated)            
  Heavy oil A kl - 0 0 0 0
  Gasoline kl - 7.3 7.3 6.7 6.2
Indirect Energy Consumption (Non-consolidated)            
  Electricity 1,000
kWh		 16,715 16,668 14,519 12,498 9,209
  Steam/Hot water GJ 1,607 1,355 1,209 1,375 1,626
  Cold water GJ 2,857 2,977 2,794 3,296 3,802
Energy consumption (total), crude oil equivalent *1 kl 4,457 4,440 3,360 2,930 2,220
Total floor area m² 91,149 84,103 78,812 71,785 67,205
Ratio of energy consumption intensity to the previous fiscal year's level *2 % 91.4 107.0 91.9 96.3 88.8
Fluorinated greenhouse gas emissions (General) kg - - 20.3 8.8 1.4
  • *1　Based on the Act on Rationalization of Energy Use and Shift to Non-fossil Energy (the "Energy Conservation Act"), the annual consumption of each type of 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 under the "Energy Conservation Act," energy consumption at data centers that we use as a tenant has been included since FY2022. (If the electricity consumption at these data centers had not been included, the energy consumption intensity for FY2022 would have been 98.6% of the previous fiscal year's level.)

CO2 Emissions *3

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Total (Consolidated) t-CO2e - 6,088 5,065 4,663 4,025
  Scope1 Direct CO2 emissions t-CO2e - 1,193 1,313 1,317 1,177
    Heavy oil A t-CO2e - 1 1 1 0
    Gasoline t-CO2e - 1,103 1,169 1,178 1,080
    Light oil t-CO2e - 89 110 122 95
    Fluorinated greenhouse gases (General) t-CO2e - - 33 16 3
  Scope2 Indirect CO2 emissions t-CO2e - 4,895 3,753 3,346 2,848
    Electricity t-CO2e - 4,623 3,459 3,053 2,559
    Steam/Hot water t-CO2e - 102 118 87 87
    Cold water t-CO2e - 171 176 207 202
Total (Non-Consolidated) t-CO2e 8,250 75,009 74,646 73,856 72,791
  Scope1 Direct CO2 emissions t-CO2e 0 18 51 32 17
    Heavy oil A t-CO2e 1 1 1 1 0
    Gasoline t-CO2e - 17 17 16 14
    Fluorinated greenhouse gases (General) t-CO2e - - 33 16 3
  Scope2 Indirect CO2 emissions t-CO2e 8,250 3,379 2,226 2,265 1,893
    Electricity t-CO2e 7,995 3,107 1,974 1,972 1,605
    Steam/Hot water t-CO2e 92 102 76 87 87
    Cold water t-CO2e 163 171 176 207 202
  Scope3 Other indirect CO2 emissions *4 t-CO2e - 71,612 72,369 71,559 70,881
    Category1 (Purchased goods and services) t-CO2e - 67,393 70,582 68,316 69,298
    Category2 (Capital goods) t-CO2e - 2,886 972 2,283 742
    Category6 (Business travel) t-CO2e - 1,334 815 960 841
Basic unit of CO2 emission (CO2 emissions per unit of floor space) t-CO2e/m2 0.0905 0.0404 0.0289 0.0320 0.0284
  • *3　Calculation method through FY2021: Steam and hot water, cold water, and heavy oil A were calculated using factors based on the Act on Promotion of Global Warming Countermeasures (the "Global Warming Countermeasures Act").
    Electricity was calculated using the basic emission factors for each electric utility under the Greenhouse Gas Emissions Calculation, Reporting and Disclosure System based on the Global Warming Countermeasures Act. These basic emission factors, also referred to as pre-adjustment emission factors, do not reflect Kyoto Mechanism credits, certified domestic emission reductions, or similar adjustments.
    Calculation method from FY2022: Scope 1 emissions from heavy oil A, gasoline, and light oil and Scope 2 emissions from steam and hot water and cold water are calculated using factors based on the Global Warming Countermeasures Act and the GHG Protocol.
    In addition to these, we have also started calculating emissions from fluorinated greenhouse gases using the same factors since FY2023.
    Electricity is calculated using emission factors prescribed under the Greenhouse Gas Emissions Calculation, Reporting and Disclosure System based on the Global Warming Countermeasures Act and the relevant laws and regulations of each country. (market-based figures: Adjusted emission factors by menu for each electric utility; location-based figures: Alternative values, such as country-specific emission factors specified by the International Energy Agency)
    Furthermore, the CO2 emissions associated with the use of renewable electricity are counted as zero.
    Scope 3 emissions are calculated using emission factors from the "Emission Factor Database for Calculating Greenhouse Gas Emissions Through Supply Chains," the "Global Environmental Load Unit Based on Purchaser Price Standard," and "IDEAv2 (for Calculating Supply Chain Greenhouse Gas Emissions)."
    Third-party assurance has been obtained for Scope 1 and Scope 2 emissions and certain Scope 3 emissions. Please see here for details.

  • *4　In accordance with MUFG's policy, the calculation is limited to categories 1, 2, and 6.

Waste

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Industrial waste emissions t 123 268 77 115 82

Others

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Ratio of renewable energy use in electricity consumption *5 % - 45.5 52.8 54.1 50.7
Ratio of green purchasing (copy paper and business cards) % - - 100.0 100.0 100.0
  • *4　The FY2025 results reflect a change in the scope of electricity consumption data collection due to the relocation of certain locations.

Social

Status of Employees

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Number of employees (Consolidated) *6 Persons 5,317 5,333 5,404 5,498 5,626
Number of employees (Non-consolidated) *6 Persons 2,111 2,071 2,042 2,088 2,125
  Male Persons 1,255 1,229 1,222 1,236 1,232
  Female Persons 856 842 820 852 893
  Ratio of female employees % 40.5 40.7 40.2 40.8 42.0
Number of employees (Non-consolidated) *6 Persons 2,111 2,071 2,042 2,088 2,125
  Age range : 20s Persons 531 464 455 479 529
  Age range : 30s Persons 440 476 477 516 545
  Age range : 40s Persons 607 555 505 466 400
  Age range : 50 and over Persons 533 576 605 627 651
Average age Years old 40.8 41.1 41.3 41.2 40.7
Fixed-term employees (Average) Persons 96 104 113 109 105
Average years of continuous service Year 15.0 15.3 15.5 15.2 14.7
  Male Year 18.8 18.9 18.6 18.3 17.5
  Female Year 9.4 10.2 10.6 10.8 10.8
Voluntary resignation rate % 2.8 3.8 3.8 2.9 3.3
Number of voluntary resignations Persons 63 83 83 63 75
  Male Persons 26 36 36 30 44
  Female Persons 37 47 47 33 31
  Ratio of women among voluntary resignations % 58.7 56.6 56.6 52.4 41.3
Employment rate of persons with disabilities % 2.35 2.65 2.65 2.70 2.71
Number of employees reaching mandatory retirement age Persons 34 36 43 34 39
  Of rehired employees Persons 30 25 37 27 33
  • *6　Total number of regular employees and location-specific regular employees.
    (Employees seconded from ACOM are excluded, while those seconded to ACOM are included.)

Leave and Related Programs

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Average paid leave utilization rate % 71.0 80.0 83.5 81.1 79.1
Average number of paid leave days taken Days 12.8 14.6 15.3 14.7 14.9
Childcare leave utilization rate *7 % 74.5 76.4 105.8 96.7 92.5
  Male % 39.1 54.8 103.8 96.7 86.9
  Female % 103.6 104.2 107.7 96.7 100.0
Number of employees taking childcare leave Persons 38 42 55 58 74
  Male Persons 9 17 27 29 40
  Female Persons 29 25 28 29 34
Return-to-work rate after childcare leave *8 % 100.0 100.0 100.0 98.0 98.0
  Male % 100.0 100.0 100.0 100.0 100.0
  Female % 100.0 100.0 100.0 96.4 96.4
Number of employees returning to work after childcare leave Persons 42 53 48 54 62
  Male Persons 7 18 26 27 35
  Female Persons 35 35 22 27 27
Number of employees retained after returning from childcare leave *9 *10 Persons 34 41 51 - -
  Male Persons 9 17 26 - -
  Female Persons 25 24 25 - -
Retention rate after returning from childcare leave *10 % 89.5 97.6 94.4 - -
  Male % 100.0 100.0 96.3 - -
  Female % 86.2 96.0 92.6 - -
Number of employees using reduced working hours for childcare Persons 86 93 92 92 98
Number of employees taking time off for caregivers Persons 4 2 6 15 14
Number of employees taking caregiver leave Persons 0 0 1 2 2
  • *7　Number of employees who took childcare leave divided by the number of employees who gave birth
  • *8　Number of employees who returned to work divided by the number of employees whose childcare leave ended.
    (limited to employees whose childcare leave was scheduled to end during the fiscal year.)
  • *9　NNumber of employees who remained employed 12 months after returning from childcare leave divided by the total number of employees who returned from childcare leave during the fiscal year.
  • *10　Figures for FY2024 and FY2025 cannot be calculated because it has not yet been 12 months since the employees returned to work.

Female Representation in Managerial Positions

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Ratio of Assistant Managers or above among all employees % 49.5 49.2 49.0 48.1 45.3
Ratio of women among Assistant Managers or above % 18.5 20.3 21.5 23.0 25.0
Ratio of Assistant Managers among all employees % 24.5 23.7 22.6 21.8 19.9
Ratio of women among Assistant Managers % 27.0 29.3 30.6 31.5 35.2
Ratio of employees in Managerial Positions among all employees % 13.3 13.4 13.4 12.7 11.9
Ratio of women in Managerial Positions *11 % 5.5 6.1 8.2 9.3 10.0
Ratio of General Managers among all employees % 1.4 1.5 1.6 1.6 1.7
Ratio of women among General Managers % 3.1 3.1 2.8 5.6 7.5
Ratio of women among Officers % 0.0 0.0 0.0 10.0 10.0
Number of new Assistant Managers Persons 44 52 42 70 62
Ratio of women among new Assistant Managers % 36.4 50.0 47.6 27.1 48.4
  • *11　Managerial positions mean employees at Chief Manager level or above who supervise subordinates.

Salary

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Average annual salary Thousand yen 6,299 6,457 6,684 6,901 7,215
Gender pay gap % 62.4 63.6 68.4 70.5 72.0

Working Hours

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Average number of overtime hours worked per month Hours 20.2 21.0 20.4 21.5 21.4
Annual working hours Hours 2,060 2,063 2,050 2,060 2,058

Developing Human Resources

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Training expenses Million yen 175 191 215 252 206
  Personal development, incentive-related costs Million yen 20 27 30 21 24
Number of employees qualified as Chiefs of Money Lending Operations *12 Persons 1,180 1,188 1,236 1,250 1,296
Percentage of employees qualified as Chiefs of Money Lending Operations *12 % 53.4 54.1 56.2 56.9 55.1
Selective Training            
  Number of employees Persons 58 140 260 325 207
  Total training hours Hours 7,809 5,653 10,088 19,792 5,713
  Average training hours per employees Hours 135 40 39 61 28
Number of employees who obtained incentive-eligible qualifications Persons 117 111 227 186 194
  • *12　Only regular employees

Conversion of Job or Employment Status

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Job conversion Persons 3 9 9 8 19
  Male Persons 0 1 1 0 0
  Female Persons 3 8 8 8 19
Employment status conversion Persons 1 1 1 15 11
  Male Persons 0 0 0 4 1
  Female Persons 1 1 1 11 10

Work-Related Safety and Health

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Work-related accidents Accidents 3 0 2 0 10
  Resulting in leave Accidents 0 0 0 0 1
Commuting-related accidents Accidents 6 1 3 4 2
  Resulting in leave Accidents 1 0 0 0 1
Mortality from Work-Related Accidents % 0 0 0 0 0

Recruitment

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Total Persons 98 99 133 183 195
  New Graduate Recruitment *13 Persons 64 63 78 87 104
    Male Persons 32 36 51 54 55
    Female Persons 32 27 27 33 49
    General career Persons 59 60 72 83 100
      Male Persons 32 36 51 53 55
      Female Persons 27 24 21 30 45
    Specific career Persons 5 3 6 4 4
      Male Persons 0 0 0 1 0
      Female Persons 5 3 6 3 4
  Mid-career Recruitment Persons 34 36 55 96 91
    Male Persons 17 25 38 46 47
    Female Persons 17 11 17 50 44
Ratio of female hires % 50.0 38.4 33.1 45.6 47.7
Retention rate of new graduate recruits 3 years after joining the company % 84.3 82.2 78.9 79.7 90.5
Starting salary for university graduates in career-track positions Thousand yen 240 240 260 270 300
Number of internships and one-day work experience programs held Internships 21 24 26 29 33
  • *13　These employees join the company in the following fiscal year.

Health and Productivity Management

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Periodic Health Examinations            
  Health examination rate % 100.0 100.0 100.0 100.0 100.0
  Smoking rate % 25.4 24.4 24.7 23.4 23.8
  Rate of employees who exercise regularly % 19.9 20.0 21.4 22.9 23.0
  Rate of employees with an appropriate body weight % 67.8 67.8 66.3 64.9 65.1
  Rate of employees with abnormal findings % 42.1 41.1 41.7 41.6 38.4
  Follow-up examination rate % - 21.6 21.6 23.1 35.8
  Ratio of people eligible for health guidance *14 % 19.3 19.8 19.3 18.6 19.3
  Continuation rate of health guidance *15 % 96.2 94.6 98.6 88.8 93.6
  Treatment continuation rate % 14.2 15.0 16.2 16.2 16.5
Stress Check            
  Stress check participation rate % 93 96.9 96.4 95.3 94.1
  Rate of employees with high stress levels % 14.8 14.6 13.9 14.9 12.2
Status of leave due to injury and illness Persons 37 43 40 39 56
Number of employees taking e-learning about Health and Productivity Management Persons - 2,155 2,103 2,116 2,114
Number of employees participating in health investment measures Persons 2,462 1,837 1,952 2,027 2,340
Number of health points given per person per year Points 7,110 9,070 10,662 8,141 9,137
  • *14　Number of employees who are eligible for specific health guidance divided by the number of employees aged 40 or older.
  • *15　Number of employees completing specific health guidance divided by the number of eligible employees.

Social Contribution Activities

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Expenses for social contribution activities *16 Million yen 306 236 297 315 279
ACOM "Miru" Concert Monogatari            
  Number of concerts held Concerts 2 13 13 14 10
  Number of audiences Persons 930 7,357 8,017 10,968 6,512
Blood Donation Drives            
  Number of drives Drives 7 10 9 10 8
  Number of participants Persons 393 493 509 458 442
Walking events            
  Number of participants Persons 854 823 844 897 835
  Amount of donation Thousand yen 697 900 900 950 950
Forest Conservation Activities            
  Number of the programs held Programs - 4 11 20 13
  Number of participants Persons - 76 163 309 206
Community Cleanup Activities            
  Number of the projects held Projects 3 5 6 18 21
  Number of participants Persons 56 71 72 202 201
Funding related to social contribution activities Million yen 97 131 125 125 144
Plastic bottle cap donation *17 kg 55 99 151 140 257
Used stamp donation *18 Donations 1 2 0 1 1
ACOM Bluebird Fund *19 Thousand yen 1,100 1,000 3,800 700 2,000
Number of donations for disaster stockpiles *20 Donations 2 1 1 1 0
  • *16　Includes expenditures within the framework of MUFG's social contribution activities
  • *17　Plastic bottle caps are sold to recyclers to fund vaccines for children in the countries we support, mainly in Southeast Asia.
  • *18　Used stamps are sold in sets at welfare shops and bazaars to fund activities that raise awareness of intellectual disabilities.
  • *19　Donations are collected through donation boxes at each workplace and through employee payroll deductions, and are used for relief efforts in the event of a natural disaster.
  • *20　Donated emergency supplies are used by food banks to support children in single-parent households in Japan.

Financial Education

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Number of classes held Classes 11 26 32 95 105
Number of students Persons 663 1,757 2,263 5,233 6,345

Governance

Board of Directors

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Number of Directors *21 Persons 9 9 9 10 10
  Of these, independent outside directors Persons 2 2 2 3 3
Compensation Million yen 235 236 250 253 308
Number of meetings held Meetings 13 12 12 12 10
Attendance rate % 100.0 100.0 99.1 99.1 100.0
  • *21　For the first through fourth meetings in FY2024, the total number of directors was nine, including two independent outside directors.

Audit and Supervisory Committee

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Number of members Persons 3 3 3 3 3
  Of these, independent outside members Persons 2 2 2 2 2
Number of meetings held Meetings 14 16 15 14 14
Attendance rate % 100.0 100.0 100.0 100.0 100.0

Appointment and Remuneration Committee

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Number of members Persons 6 6 6 6 6
  Of these, independent outside members Persons 2 2 2 2 2
Number of meetings held Meetings 4 5 6 4 4
Attendance rate % 100.0 100.0 100.0 100.0 100.0

Compliance Committee

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Number of members *22 Persons 7 5 5 5 5
  Of these, independent outside members Persons 4 3 3 3 3
Number of meetings held Meetings 6 5 4 4 4
Attendance rate % 100.0 100.0 95.0 100.0 100.0
  • *22　The first meeting of the Committee in FY2021 had five members, including three independent outside members.

Information Disclosure Committee *23

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Number of members *24 Persons 11 6 7 7 6
  Of these, independent outside members Persons 0 0 0 0 0
Number of meetings held Meetings 9 9 9 6 7
Attendance rate % 93.2 98.6 97.0 100.0 100.0
  • *23　Held as Financial Information Disclosure Committee until June 2022.
  • *24　The first three meetings of the committee in FY2022 each had 11 members.

Corporate Risk Committee

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Number of members Persons 7 7 7 7 5
  Of these, independent outside members Persons 2 2 2 2 2
Number of meetings held Meetings 4 5 5 4 4
Attendance rate % 100.0 97.1 100.0 100.0 100.0

Conflict of Interest Advisory Committee *25

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Number of members Persons 3 3 3 3 3
  Of these, independent outside members Persons 3 3 3 3 3
Number of meetings held Meetings 0 0 0 1 1
Attendance rate % - - - 100.0 100.0
  • *25　Established in December 2021

Dialogues with Stakeholders

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Earnings Release Conference Conferences 2 2 2 2 2
Earnings Release Telephone Conference Conferences 4 4 4 4 4
Overseas IR Roadshow (Europe, North America, and Asia) Roadshows - 1 3 3 2
Conferences hosted by securities firms Conferences 3 2 4 3 3
Individual IR meetings Meetings 65 58 61 60 66
Briefings for individual investors Conferences 2 4 3 3 2

Others

  Unit FY2021 FY2022 FY2023 FY2024 FY2025
Number of whistleblowing Whistle-blowings 60 71 86 55 64
Number of employees taking e-learning Persons          
  Training on the Money Lending Business Act Persons 1,770 1,790 1,641 1,797 1,839
  Training on the Installment Sales Act Persons 2,062 1,987 1,841 2,012 2,063
  Training on the prevention of financial crime Persons 2,262 2,237 1,969 2,227 2,305
  Training on the prevention of insider trading Persons 2,255 2,230 2,256 2,277 2,959
  Training on information security Persons 2,811 2,791 2,484 2,955 3,030
  Training on outsourcing management *26 Persons 636 670 550 497 528
  Training on harassments Persons 2,174 2,213 1,901 2,178 2,196
  Training on MUFG
/the ACOM Group Code of Ethics and Code of Conduct		 Persons 4,542 4,484 4,194 4,244 4,608
  Training on response to disasters *27 Persons 2,181 4,499 4,047 4,492 4,312
  Training on response to complaints Persons 2,215 2,223 2,010 2,072 2,245
  Training on purchasing operations *28 Persons - 628 539 590 550
  Training on LGBTQ Persons - 2,101 2,005 2,041 -
Total Donations to Political Parties, etc Thousand yen 700 1,320 830 40 20
Number of serious violations of laws Violations 0 0 0 0 0
  • *26　Only for the departments engaged in outsourcing.
  • *27　Twice a year from FY2022 through FY2025.
  • *28　Only for the departments engaged in purchasing.

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