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Basic Sustainability Principles & the SBI Group's Materiality

Basic Sustainability Principles

Since its founding, the goal of the SBI Group has been to contribute to the maintenance and improvement of society based on the Group's unwavering idea that a company is a part of society and is only able to continue existing because it belongs to society.

We believe that staying on top of trends and creating innovative businesses to benefit people and the world are the keystones to fulfilling of our responsibilities to society and sustainable growth.
We believe that as each person has their own virtues, companies have corporate virtues. A corporation fulfilling its corporate responsibilities to society should enhance its corporate virtue and establish it as a strong and respected company that is trusted by the broad range of stakeholders surrounding the company.
These principles and ideas are in line with the SBI Group's management philosophy. The executives and employees of the Group ensure that this philosophy is reflected in their business activities so the Group remains a corporate group that is always needed by society.

The SBI Group puts legitimate action into practice in light of social justice and continually asks itself whether or not the Group, as a "Strategic Business Innovator," should satisfy in preserving the status quo. By doing so, the SBI Group will contribute to the resolution of social issues through its many different business activities and pursue the establishment of a sustainable society and the continued increase of its value to society.

SBI Group's Materiality

The SBI Group has organized its business opportunities and risks on the basis of two-axis; the social and environmental issues that should be resolved, and the increase of the SBI Group's corporate value, in line with GRI Standards, the Sustainable Development Goals (SDGs) and other international frameworks and guidelines. By doing so, the Group extracted the issues that it should address through its business operations, to achieve sustainable growth through coexistence with society. Furthermore, we have identified issues that should be prioritized in light of standpoints such as, "What contributions are possible for the resolution of the issues?" and "Can the efforts to resolve the issues be aligned with the SBI Group's medium- and long-term strategies?" and as a result, we have formulated the SBI Group's Materiality.
This materiality will be continuously reviewed in consideration of changes and the renewal of the Group's medium- and long-term management strategies, changes in social conditions and other trends.
Targets (KPIs) have been set for some initiatives, and the KPIs will be updated as necessary.

Materiality 1  Create added value reflecting the new tide of society and customers' needs

The SBI Group has achieved growth by staying true to and tirelessly practicing the management philosophy which it has upheld since its founding. We have adhered to the "Customer-centric Principle" throughout the business operations of the Group. Moreover, our corporate ecosystem has enabled us to achieve significant potential for growth through its multiplying effects and mutual evolution, something no single company can simply achieve. By pursuing these initiatives, we will continue to create innovative financial solutions to contribute to the entire society.

Specific initiatives
□ Provide opportunities for asset formation in line with each individual's lifestyle
□ Present financial services that enhance customers' convenience
□ Develop a business ecosystem based on digital assets

KPI Results
Maintain high quality in customer service as measured by third-party evaluations, such as customer satisfaction ratings Please refer to the Integrated Report 2023
Neo-securities initiative in SBI SECURITIES is targeted to materialize during the first half of FY2023 SBI SECURITIES has carried out "ZERO Revolution", the first-ever in Japan to offer commission-free online trading of domestic stocks, from orders placed on September 30, 2023

Materiality 2  Develop new industries and contribute to technological innovation

Based on the idea that technology brings new trends to society, we promote sustainable expansion of businesses and social reforms such as the acceleration of digital transformation (DX) through proactive investments in startups and so forth with innovative technologies, introduction of these technologies within the companies of the SBI Group and then the spread of these technologies across our alliance partners and other stakeholders.

Specific initiatives
□ Create and incubate the 21st century's core industries
□ Provide innovative financial services
□ Spread technologies in a cross-industry manner

KPI Results
Establish a new fund of approximately JPY 100 billion in FY2023 to invest in cutting-edge services and technologies SBI Investment established and launched "SBI Digital Space Fund," with a maximum size of JPY 100 billion in September, 2023
Creation of security tokens (ST) distribution market within 2023 to promote next generation financial products such as ST Osaka Digital Exchange launched Japan’s first secondary market for security tokens (ST) called "START," a proprietary trading system (PTS), starting from December 25th, 2023

Materiality 3  Resolve social issues and revitalize the economy in cooperation with stakeholders

Irrespective of differences between industries and types of business, the SBI Group works with all stakeholders and combines its management resources and expertise. In this way, we will pursue the creation of new business opportunities and contribute to mutual sustainable growth and eventually the revitalization of the Japanese economy as a whole.

Specific initiatives
□ Promote businesses to support regional revitalization
□ Expand and deepen alliances with partner companies
□ Encourage innovation through the co-creation of value

KPI Results(FY2022)
Targeting a cumulative investment of JPY 100 billion by 2025 through the fund to support business succession throughout Japan SBI Regional Business Succession Investment program established funds with total investment of JPY 40 billion
Develop a next-generation banking system to reduce and equalize system costs for regional financial institutions, with the goal of introducing the system at 10 regional financial institutions by FY2030 Two banks made tentative decisions to introduce a nextgeneration banking system

Materiality 4  Achieve a sustainable society that is abundant and healthy

In consideration of the roles that a company is expected to assume in a global society, the SBI Group contributes to the maintenance and improvement of a sustainable society by addressing the risks and opportunities presented by climate change and working to improve people's health and quality of life.

Specific initiatives
□ Provide sustainable finance
□ Impact investments with focus on green innovation and ESG awareness as well as investments targeting promising ventures in science and health
□ Continuous support towards health through the 5-Aminolevulinic Acid (5-ALA) business, etc., as a response to the super-aged society
□ Contribute to the sophistication of healthcare through digitalization of healthcare data and use of big data
KPI Results(FY2022)
Originate a cumulative total of JPY 5 trillion in sustainable finance by the end of FY2030 SBI Shinsei Bank had originated JPY 451.3 billion in sustainable finance
Towards realizing the national target of carbon neutrality by 2050, the SBI Group targets net zero GHG emissions (Scope 1 and Scope 2) by FY2050. Its interim target is a 33% reduction by FY2030 (compared to its FY2018 levels). In the future, the Company will also investigate on calculating Scope 3 emissions. GHG emissions of the SBI Group
Scope2:12,030 t-CO2

Materiality 5  Supporting the generation that bears the future

Problems surrounding child welfare and nurturing of figures who bear the next generation are important issues for society as a whole. Based on the recognition that "Human resource is Japan's most important resource," the SBI Group contributes to solving various problems, and promoting the public interest by maximizing the use of the wisdom, experience and network it has developed through its business activities.

Specific initiatives
□ Contribution to the enhancement and improvement of child welfare through the SBI Children's Hope Foundation
□ Foster individuals who will lead the next generation through SBI University

Results (FY2022)
・Cumulative donations by the SBI Children’s Hope Foundation totaled JPY 1.17 billion
・SBI Graduate School has graduated a cumulative total of 479 students

Materiality 6 Develop an organizational climate to respect and embrace diverse values

The SBI Group believes that human resources are the source of creativity and the main agent of its differentiation which is the source of its competitiveness. We will build an environment which encourages diverse human resources to maximize their potential so that the Group can continuously create innovation and think outside the box.

Specific initiatives
□ Promote diversity and inclusion
□ Continue to enhance the value of human resources through the development of potential of employees
□ Enable flexible workstyles that respect individualities and differences among individuals

KPI Results
SBI Holdings will maintain the ratio of female managers at 20% or higher continuously until 2025 Ratio of female managers at SBI Holdings at the end of FY2022 reaches 24.7%
SBI Group targets 40% or higher ratio of foreign national employees by 2025 Ratio of employees with foreign nationality at the SBI Group at the end of FY2022 reaches 37.7% (Excluding SBI Shinsei Bank Group)

Materiality 7 Strengthen and improve corporate structure for achieving sustained growth

The SBI Group is strongly aware of the social nature of business while it builds a foundation for management that enables prompt and flexible responses to rapid changes in the business environment. We will strengthen and improve our corporate governance to sustainably increase the Group's corporate value in an effort to deepen our trust-based relationships with all of our stakeholders and to facilitate mutual growth.

Specific initiatives
□ Establish a decision-making process in which transparency and independence are secured
□ Formulate management strategies on the assumption of business opportunities and risks and perform risk management
□ Develop and effectively use internal control systems

KPI Results (FY2022)
Regularly hold meetings to establish a group-wide compliance system and compliance training for officers and employees Compliance trainings held for FY2022: for new employees:9, for all employees: 1
Conduct an analysis and evaluation of the effectiveness of the Board of Directors at least once a year and disclose the results Self-assessment of the effectiveness of the Board of Directors conducted and released