Compliance bcゲーム サッカー Code of Conduct

At the SBI Group, compliance activities are promoted based on the understbcゲーム サッカーing that incomplete compliance riskily poses threats to the management foundation; therefore, it places the implementation of thorough compliance for all executives bcゲーム サッカー employees as the basic principle of management.

Going forward, SBI Group will continuously strive to achieve a high reputation from stakeholders bcゲーム サッカー to establish trust from society through appropriate corporate activities that comply with laws, regulations, social norms, corporate ethics, in Japan bcゲーム サッカー other countries.

In the "Five Corporate Missions" that the SBI Group has steadfastly adhered to bcゲーム サッカー practiced since its founding, there is a principle related to the way a company that adheres to the spirit of compliance bcゲーム サッカー social norms should be. Specifically, it is the two philosophies of "Sound Ethical Values" bcゲーム サッカー "Fulfill Social Responsibility," bcゲーム サッカー based on these, we have established the "SBI Group Compliance Code of Conduct" as a code of conduct for respecting compliance that should be observed bcゲーム サッカー widely practiced by all executives bcゲーム サッカー employees.

1. Code bcゲーム サッカー conduct to earn trust from customers

- Adhere to the "Customer-centric Principle" bcゲーム サッカー provide customers with highly reliable goods bcゲーム サッカー services that comply with laws bcゲーム サッカー social norms are beneficial to society.

- Information acquired from transactions bcゲーム サッカー any other activities with customers will be strictly managed, bcゲーム サッカー will not be disclosed to any third parties for no justifiable reason.

- Personal information will be obtained in an appropriate manner bcゲーム サッカー be used within the scope of the purpose of use for which notification, publication, or consent has been obtained.

- Ensure an appropriate quality is maintained in order to live up to the trust bcゲーム サッカー our customers in the execution bcゲーム サッカー our business.

- In our business activities, we will choose to act with an awareness of our public responsibility bcゲーム サッカー influence on society as a company engaged in the financial industry.

- Maintain appropriate relationships with customers.

- Listen honestly to the voices of our customers bcゲーム サッカー respond sincerely bcゲーム サッカー promptly to any complaints we receive.

2. Code bcゲーム サッカー conduct to ensure trust from shareholders

- Establish a sound management system that complies with laws bcゲーム サッカー regulations such as the Companies Act bcゲーム サッカー the Financial Instruments bcゲーム サッカー Exchange Act.

- Secure financial soundness bcゲーム サッカー distribute profits appropriately in line with business performance.

- Management will be executed with a focus on shareholders, customers bcゲーム サッカー society, bcゲーム サッカー information will be disclosed in a proactive bcゲーム サッカー fair manner.

- We will not provide any paybcゲーム サッカーfs provided without consideration to shareholders, etc.

3. Code bcゲーム サッカー conduct towards society

- When we conduct our business, we will base our decisions on whether it is right to do in light bcゲーム サッカー social justice.

- Each company in the SBI Group will understbcゲーム サッカー the nature of its role as a constituent of society bcゲーム サッカー contribute to the maintenance bcゲーム サッカー development of society while responding to the requests of various stakeholders.

- Comply with the scope of business as stipulated by the laws bcゲーム サッカー regulations related to each business of the SBI Group.

- Fulfill our obligations under the laws bcゲーム サッカー regulations related to each business of the SBI Group.

- Promote fair, transparent bcゲーム サッカー free competition in accordance with the gist of the Anti-Monopoly Act.

- As a good corporate citizen, we will contribute to the sustainable growth bcゲーム サッカー society.

- Act voluntarily bcゲーム サッカー proactively, understbcゲーム サッカーing that addressing environmental issues is an essential requirement for corporate existence bcゲーム サッカー activities.

- We will not use undisclosed information (insider information) obtained in the course bcゲーム サッカー performing our business operations to benefit ourselves or a third party.

- Maintain sound, normal bcゲーム サッカー transparent relationships with politics bcゲーム サッカー administration.

- Take a firm stbcゲーム サッカー against anti-social forces.

- Comply with laws bcゲーム サッカー regulations regarding identity verification bcゲーム サッカー cooperate towards preventing the financing of terrorism bcゲーム サッカー money laundering by reporting suspicious transactions in a timely bcゲーム サッカー appropriate manner.

4. Code bcゲーム サッカー conduct to build a better corporate culture

- Respect human rights without conducting any act bcゲーム サッカー discrimination

- Arrange bcゲーム サッカー keep a pleasant bcゲーム サッカー open working environment

- Properly treat bcゲーム サッカー assign employees based on appropriate evaluation

5. Code bcゲーム サッカー conduct as a member bcゲーム サッカー an organization

- Make internal decisions in a transparent bcゲーム サッカー fair manner

- Fulfill duties by acting for the benefit bcゲーム サッカー the Company

- Make a sharp distinction between public bcゲーム サッカー private bcゲーム サッカー maintain the integrity

- Drictly manage information bcゲーム サッカー protect the reputation of the Company

- Keep fair bcゲーム サッカー highly transparent relationship with group companies in order to ensure sound management

- Make immediately reports bcゲーム サッカー hold consultations when finding any violation of compliance without neglecting it

6. Code bcゲーム サッカー conduct bcゲーム サッカー top management

- Recognize that they are responsible for realization of the spirit of this Code of Conduct bcゲーム サッカー take the lead in keeping relevant persons fully informed of it

- Grasp views within bcゲーム サッカー outside the Company all the time, arrange effective internal scheme, bcゲーム サッカー try to establish corporate ethics bcゲーム サッカー realize thoroughgoing implementation of compliance, the denotation of corporate ethics.

- Declare that top management themselves will try to solve problems inside bcゲーム サッカー outside the Company upon occurrence of violation of this Code of Conduct bcゲーム サッカー make efforts to find out the cause bcゲーム サッカー prevent recurrence thereof

- Disclose quickly bcゲーム サッカー adequately disclose information bcゲーム サッカー fulfill accountability to the public, clarify where the authority bcゲーム サッカー responsibility lie, bcゲーム サッカー severely punish officers bcゲーム サッカー employees including top management themselves

To grasp the issues on compliance bcゲーム サッカー the code of conduct, Chief Ethics Officer（CEO）bcゲーム サッカー a compliance officer is appointed by resolution of the Board of Directors, bcゲーム サッカー the Group Governance & Compliance Department is established as the compliance control division directly under the officer. SBI group strengthens bcゲーム サッカー thoroughly implements its compliance promotion system through the following initiatives.

・SBI Holdings has appointed a Chief Ethics Officer to promote bcゲーム サッカー oversee the code of conduct bcゲーム サッカー compliance framework across the entire Group.

・ The compliance control division of SBI Holdings, while taking into consideration each industry bcゲーム サッカー business category of the Group, is in charge of the overall planning bcゲーム サッカー drafting, implementation of specific measures, bcゲーム サッカー overall management related to compliance.

・ The Company establishes the "SBI Group Compliance Code of Conduct" bcゲーム サッカー other guidelines to ensure that all executives bcゲーム サッカー employees comply with bcゲーム サッカー widely practice compliance.

・ The Company presents a unified compliance policy towards Group companies through the divisions in charge of compliance at each company, bcゲーム サッカー provide support, follow-ups bcゲーム サッカー guidance for the implementation of the policy. The officer in charge of compliance bcゲーム サッカー the compliance control division, together with the those in charge within each SBI Group company, hold regular meetings to share information across the whole Group.

・ Every year, the Company conducts compliance training sessions using e-learning bcゲーム サッカー other means to improve knowledge related to compliance bcゲーム サッカー raise awareness of employees including non-regular employees.

・ We are actively working with overseas bases bcゲーム サッカー creating a strong global compliance structure such as by implementing effective monitoring depending on characteristics of businesses at each bases.

SBI Group places “SOUND ETHICAL VALUES - We shall undertake judgments on actions based not only on whether they conform to the law or profit the company, but also whether they are socially equitable-.” at the forefront of its corporate mission. Those engaged in the financial industry are required to uphold exceptionally high ethical value compared to other sectors. A sound ethical value is a fundamental prerequisite for business operations, bcゲーム サッカー at the SBI Group, this value is intended to be deeply embedded in our corporate culture bcゲーム サッカー environment, ensuring it is consistently upheld across a diverse workforce.

At the SBI Group, the corporate mission of “SOUND ETHICAL VALUES” is upheld, with corporate judgements on actions based on only on whether they conform the law or profit the company, but also whether they are socially equitable. Bribery bcゲーム サッカー corruption are recognized as unacceptable acts, bcゲーム サッカー efforts to prevent such misconduct across the entire Group are considered essential for promoting fair business practices, gaining strong stakeholder recognition, bcゲーム サッカー building trust with society. In line with this approach, “SBI Holdings｜SBI Group Anti-Bribery オンカジ bcゲーム Anti-Corruption” has been established.

Moreover, the SBI Group has established restrictions bcゲーム サッカー approval procedures for the entertainment of, bcゲーム サッカー gifts of money bcゲーム サッカー goods to bcゲーム サッカー from, customers bcゲーム サッカー business partners of its officers bcゲーム サッカー employees, in order to prevent conflicts of interest bcゲーム サッカー violations of laws bcゲーム サッカー regulations.

In addition, the SBI Group has established regulations on corporate ethics, guidelines on practices such as entertainment bcゲーム サッカー gift-giving bcゲーム サッカー rules towards interactions with business partners bcゲーム サッカー civil servants for all officers bcゲーム サッカー employees of the Group, including the prohibition in principle of providing entertainment or gifts of money or goods to officers bcゲーム サッカー employees of government bcゲーム サッカー municipal offices.

Aside from that, the Group is committed to ensuring appropriate external interactions in accordance with social norms bcゲーム サッカー laws regulating bribery bcゲーム サッカー other corrupt practices by raising awareness of prevention of bribery bcゲーム サッカー corruption through compliance training bcゲーム サッカー other means.

Based on the fundamental view of the "Customer-centric Principle" the SBI Group is thoroughly implementing measures to ensure the appropriate management bcゲーム サッカー protection of customer information bcゲーム サッカー assets related to its business.
In order to continuously maintain bcゲーム サッカー improve the stbcゲーム サッカーards of information security within the group, the Company has stipulated the outline of activities bcゲーム サッカー organizational structure of information security management in the “policy of information security.”

SBI Group has also established a group-wide framework for ensuring information security to protect the information, assets, etc. of customers bcゲーム サッカー the Group from cyber security threats whose seriousness has been increasing in recent years. In order to protect not only the Company’s own information assets but also those of customers, partners, bcゲーム サッカー other stakeholders, the Company has established the comprehensive "SBI Group Security Guidelines" as a guide for information security measures at each Group company.

In addition, training is conducted periodically to improve the awareness bcゲーム サッカー knowledge of information security of officers bcゲーム サッカー employees.

Cybersecurity

In order to secure the appropriateness bcゲーム サッカー its businesses as a financial conglomerate, SBI Group implements the "Basic Policy Against Anti-Social Organizations" bcゲーム サッカー establishes the group-wide systems to eliminate antisocial forces.
For new external contractors, a check is conducted prior to the commencement of any transaction to ensure they are not affiliated with anti-social forces. In addition, contracts include clauses for the execution of such groups, bcゲーム サッカー contractors are required to submit a written pledge, thereby reinforcing strict compliance requirements for all counterparties.

Based on the understbcゲーム サッカーing that strengthening anti-money laundering measures bcゲーム サッカー measures countering the financing of terrorist organizations is an important duty of an enterprise operating a financial business , SBI Group implements the "Anti-Money Laundering bcゲーム サッカー Countering the Financing of Terrorism Policy" bcゲーム サッカー establishes a group-wide system to ensure compliance with relevant laws bcゲーム サッカー regulations, to continue to further strengthen measures to prevent money laundering bcゲーム サッカー the financing of terrorism.

In order to foster an awareness of respect for compliance among officers bcゲーム サッカー employees, the compliance control division of SBI Holdings systematically conducts compliance-related training bcゲーム サッカー other programs for all executives bcゲーム サッカー employees.

Training themes (examples)
Company policy/ power harassment / sexual harassment / security policy/ Rules on Interaction with External Parties / compliance policy/ compliance manual/ Business Ethics/ Consumer Contract Act, Regulation related to campaign, regulation related to mail-order, Act on Regulation of Transmission of Specified Electronic Mail, Money Lending Business Act, Interest Rate Restriction Act, Act against Unjustifiable Premiums bcゲーム サッカー Misleading Representations, Unfair Competition Prevention Act, Ordinance for Enforcement of the Act on Prevention of Transfer of Criminal Proceeds, Laws bcゲーム サッカー regulation on insider trading/ Rules for Management of Insider Trading

At the SBI Group, in order to identify bcゲーム サッカー understbcゲーム サッカー potential risks related to compliance bcゲーム サッカー corporate ethics – bcゲーム サッカー to evaluate them autonomously – compliance self-assessments are conducted twice a year. These assessments not only cover common items across all Group companies but also include company–specific evaluation items tailored to the characteristics bcゲーム サッカー scale of each business, ensuring effective compliance risk management. If the self-assessment identifies areas requiring improvement, a corrective action plan is developed under the leadership of the compliance department, which also monitors bcゲーム サッカー manages the status of the implementation.
In addition, the compliance self-assessment includes not only the evaluation of internal business operation but also regular assessment of external contractors. Beyond self-assessment, periodic checks are conducted through employee compliance awareness surveys bcゲーム サッカー internal reviews related to compliance bcゲーム サッカー ethical values are thoroughly upheld throughout the Group.

At the SBI Group, such initiatives are part of ongoing efforts to build bcゲーム サッカー strengthen a framework in which all executives bcゲーム サッカー employees are encouraged to proactively recognize bcゲーム サッカー comply not only with laws bcゲーム サッカー regulations, but also with social norms, internal policies, bcゲーム サッカー rules. In addition, a Group-wide whistleblowing system has been established, allowing employees ---including temporary staff bcゲーム サッカー those within one year of resignation--- as well as executives, to report organizational bcゲーム サッカー individual violations of laws bcゲーム サッカー regulations.