Promoting Sustainability

Through the promotion of sustainability‑driven management, the YMFG Group aims to strengthen the linkage between the Group’s sustainable growth and enhancement of regional value. At the same time, by enhancing transparency and the quality of information disclosure, the Group seeks to build long‑term, trusted relationships with stakeholders.

With the goal of becoming a corporate group that contributes to the enhancement of regional value and of sharing this commitment across the entire Group, the Group Sustainability Policy was formulated in December 2021.

To contribute to the realization of a sustainable society, the YMFG Group has identified material ESG issues (“Materiality”) that should be addressed on a priority basis.
Through its business activities conducted in accordance with the Group Sustainability Policy, the Group will proactively work to address the following 12 material issues.

In the YMFG Medium-Term Management Plan (FY2026–FY2030) (hereinafter, the “new medium-term management plan”), which commenced in FY2025, our sustainability strategy is positioned as a component strategy of “Basic Objective 3): Deepen multi-bank, single-platform structure.”
By steadily promoting three priority themes in our sustainability strategy, we will deepen sustainability management, leading to an increase in corporate value.

The Group holds regular meetings of the “Sustainability Promotion Committee” which is chaired by the President, Representative Director and CEO, and coordinates deliberation and progress management centrally for matters relating to sustainability.
The contents of deliberations at the Sustainability Promotion Committee are submitted to the Board of Directors as appropriate, upon discussion at the Group Executive Management Meeting, and the Board of Directors supervises sustainability initiatives. Moreover, working groups for each field have been established as subordinate organizations of the Committee, and a cross-organizational promotion system has been constructed.

Overview of the Sustainability Promotion Committee

With the aim of further enhancing sustainability‑driven management, the YMFG Group established an Advisory Board in April 2024 as an advisory body to the Sustainability Promotion Committee.
By leveraging the broad expertise of independent external experts, the Group seeks to appropriately identify rapid changes in the external environment as well as ESG‑related issues affecting the Group and its regions, and to strengthen its responses to these issues.
In FY2024, the Advisory Board held discussions and exchanged views on key themes in sustainability‑driven management, including carbon neutrality and regional industrial transformation, the future of regional economies and ESG‑oriented regional finance, and nature positivity and related industries.

* Note : As an external expert serving as a member of the Advisory Board, the Group has invited Mr. Kenji Fuma, a leading authority in sustainability management and President and CEO of Neural, Inc. Through Mr. Fuma’s participation, the YMFG Group aims to further strengthen its sustainability initiatives.