Code of Ethics

Chapter 1 - Corporate Action Guidelines

Article 1（Public Mission）

Our group recognizes its public mission and strives to establish trust.

Article 2（Provision of High-Quality Financial Services）

Our group provides high-quality services that meet customer needs through customer-oriented business operations, while also ensuring the appropriate protection of customer interests. In doing so, we contribute to the development of the regional economy and society.

Article 3（Strict Compliance with Laws and Regulations)

Our group is committed to strict compliance with laws and regulations and engages in honest and fair corporate activities.

Article 4（Communication with Society)

Our group actively, effectively, and fairly discloses information related to management and other areas. Through constructive dialogue with a wide range of stakeholders, we strive to enhance our corporate value and ensure understanding and trust from society by conducting highly transparent management.

Article 5 (Respect for Human Rights)

Our group respects the human rights of all individuals.

Article 6 (Diverse Talent Engagement and a Safe, Healthy Workplace)

Our group strives to implement systems and work styles that enable each employee, with their diverse values and lifestyles, to maximize their potential. We are also committed to creating a workplace environment where employees can work safely and healthily.

Article 7 (Commitment to Talent Development and Contribution to Financial Education)

Our group actively provides fields and opportunities that respond to each employee's desire for growth, supporting their proactive career development. Additionally, through participation in financial education and other initiatives, we contribute to enhancing society's financial literacy.

Article 8 (Efforts Toward Environmental Issues)

Our group actively addresses environmental issues and other related challenges with the aim of achieving a sustainable society.

Article 9 (Commitment to Social Contribution Activities)

Our group recognizes its social role and responsibilities as a regional financial institution and actively engages in social contribution activities.

Article 10 (Cutting Ties with Antisocial Forces and Responding to Threats such as Terrorism)

Our group firmly confronts antisocial forces and is committed to thoroughly severing any relationships with them. We also strive to enhance measures against money laundering, terrorist financing, and the proliferation financing.

Chapter 2 - Code of Conduct for Officers and Employees

Article 1 (Actions as Members of Society)

  • (1)

    Compliance with Laws and Regulations

    • We recognize our public mission and comply with all laws and rules, while understanding and respecting their purpose and background.
  • (2)

    Adherence to Discipline and Ethics

    • We maintain discipline and ethics in our private lives, strive for sensible and moderate behavior, and do not engage in actions that violate social norms.
  • (3)

    Cutting Ties with Antisocial Forces

    • We do not maintain any relationships whatsoever with antisocial forces or other organized crime groups.
  • (4)

    Contribution to the sustainable development of society

    • We actively engage in activities aimed at addressing various social issues.

Article 2 (Actions Towards Customers)

  • (1)

    Honest Actions

    • We conduct our business with sincerity and fairness from the customer's perspective, striving to earn their trust. Additionally, we handle customer complaints and opinions with fairness, promptness, and sincerity.
  • (2)

    Providing Customer-Oriented Services

    • We uphold a high level of expertise and professional ethics, strive to provide high-quality, customer-oriented services, and work to achieve the best interests of our customers.
  • (3)

    Strict Management of Information

    • We handle customer information with strict care and do not use it improperly.

Article 3 (Actions in the Workplace)

  • (1)

    Respect for human rights

    • We respect the human rights of each employee, who may have diverse values and lifestyles, and strive to prevent human rights violations such as harassment and discrimination in the workplace.
  • (2)

    Transformation and Challenge

    • We take great pride in providing value to our local communities and customers, and we approach our work with a constant mindset of transformation and challenge.
  • (3)

    Creating a workplace with high psychological safety

    • We strive to create a workplace with high psychological safety, where everyone, regardless of their position, can freely voice their thoughts through open communication across all levels and directions.

（The formulation and revision of this code are discussed and deliberated by the Board of Directors and are subject to its supervision. ）