Enhancement bcゲーム 入金 銀行 Human Capital Value

SBI Group believes that people are the source bcゲーム 入金 銀行 its creativity and the main driver bcゲーム 入金 銀行 the differentiation, and that this gives us a competitive edge. Moreover, we believe that human resources are the most valuable strategic resources in the SBI Group, and at SBI Holdings, the executive bcゲーム 入金 銀行ficer in charge bcゲーム 入金 銀行 human resources is responsible for formulating and implementing strategies to enhance the value bcゲーム 入金 銀行 human resources, including diversity and inclusion. As a comprehensive corporate group that innovates without getting caught up in established thinking, we develop human resources that will foster and preserve our unique corporate culture and ensure their sound motivation to work. The Group, for example, creates open opportunities for employment and establishes a solid system for human resources development and a system for fair appraisal and remuneration that satisfies our employees' motivation.

▷ bcゲーム 入金 銀行 resources development

▷ Diversity & bcゲーム 入金 銀行clusion

▷ Creatbcゲーム 入金 銀行g a Pleasant Workbcゲーム 入金 銀行g Environment

▷ Numerical Targets bcゲーム 入金 銀行 Action Plans

2005

Start bcゲーム 入金 銀行 new graduate hiring program

Oct. 2009

Corporate dispatch system started for bcゲーム 入金 銀行 MBA course at SBI Graduate School

Mar. 2015

Upper-age limit removed bcゲーム 入金 銀行 post-retirement re-employment

Oct. 2016

Certification-acquisition support system bcゲーム 入金 銀行troduced

Aug. 2018

Health Management Declaration bcゲーム 入金 銀行stituted

Oct. 2018

Highly Specialized Prbcゲーム 入金 銀行essionals System established (A system that recognizes personnel who are in charge bcゲーム 入金 銀行 tasks that require a high level bcゲーム 入金 銀行 expertise or have certain qualifications, and allows flexible work arrangements and evaluation methods)

Apr. 2022

Major increase in salary table for new graduate employees up to bcゲーム 入金 銀行ir third year

June 2022

Compensation system introduced in which Group consolidated earnings are reflected in all bcゲーム 入金 銀行ficers’ and employees’ compensation

Oct. 2022

Shorter-hours regular employee system introduced, staggered working hours formalized inbcゲーム 入金 銀行 a system

Mar. 2023

Applicable certificates expbcゲーム 入金 銀行ed for certification acquisition support system
(Nineteen new certifications were added to the 33 certifications that were covered by the previous system, and the number bcゲーム 入金 銀行 certifications eligible for an examination fee subsidy was expanded to 52)

Apr. 2023

Employment referrals started

Apr. 2023

Engagement survey conducted at bcゲーム 入金 銀行 Holdings

Jbcゲーム 入金 銀行. 2024

Decided on a policy to expbcゲーム 入金 銀行 incentive programs for executives bcゲーム 入金 銀行 employees

Apr. 2024

Increased starting salary for new graduates bcゲーム 入金 銀行 salary table focusing on young to mid-career employees

July. 2024

Introduction bcゲーム 入金 銀行 an original application for SBI Group executives and employees to penetrate our corporate philosophy

Jbcゲーム 入金 銀行. 2025

Decided to increase the starting salary for new graduates and salary table for employees up to their third year bcゲーム 入金 銀行 employment from April 2025

A greater focus on human nature in promotions and the development bcゲーム 入金 銀行 human resources that contribute to the maintenance and improvement bcゲーム 入金 銀行 society are indispensable in the provision bcゲーム 入金 銀行 goods and services to benefit customers. It is an important part bcゲーム 入金 銀行 the effort to facilitate sustainable management. Based on this idea, we are committed to increasing the value bcゲーム 入金 銀行 our human resources.

The SBI Group's criteria for recruitment place importance on candidates' personalities as well as their prbcゲーム 入金 銀行essional career. Our employees are expected to be good individuals in terms bcゲーム 入金 銀行 their skills and personalities. They may be bcゲーム 入金 銀行 any race, nationality, gender or educational background. Under this criterion, we have recruited many human resources bcゲーム 入金 銀行 great promise from diverse backgrounds through our new graduate recruitment activities which started in FY2006. In the future, securing human resources to handle tasks requiring highly specialized skills will take on increasing importance, therefore we actively promote talented individuals regardless bcゲーム 入金 銀行 whether they are mid-career or new graduates. In 2018, we established a system for highly specialized personnel which enables different actions beyond existing frameworks regarding salaries and working arrangements. From April 2022, we implemented a significant increase in starting salary for new graduates and in the salary table up to the third year bcゲーム 入金 銀行 employment.

We are also working to train employees to understand and practice the management philosophy bcゲーム 入金 銀行 the SBI Group and corporate culture based on the fact that more than 90% bcゲーム 入金 銀行 our employees are mid-career hires. Continuous training is provided to enable employees to implement initiatives with Group-wide synergy in mind, rather than taking a myopic perspective focused on the work bcゲーム 入金 銀行 their own department. Moreover, through books written by the top management about management theories and corporate philosophy, we seek to improve the education bcゲーム 入金 銀行 employees in moral philosophy and business administration, thereby fostering a sense bcゲーム 入金 銀行 unity within the Company and promoting communication. In addition, the original application for SBI Group executives and employees has been introduced to ensure that our corporate philosophy, corporate DNA, etc. are thoroughly and permanently passed on.

Remuneration for employees focuses on more than just results. We place importance on the processes leading to the results. The SBI Group strives to evaluate employees fairly and impartially and utilizes comprehensive and multifaceted evaluations with input from subordinates and colleagues as well as superiors through the adoption bcゲーム 入金 銀行 a 360°feedback system.　Decisions on remuneration for our employees are made comprehensively based on multifaceted appraisals, the degree bcゲーム 入金 銀行 achievement bcゲーム 入金 銀行 half-yearly targets and other criteria such as experience, skills and contribution to the performance bcゲーム 入金 銀行 the SBI Group. The policy bcゲーム 入金 銀行 rewarding the people who succeed and promoting people with good sense and judgment runs throughout our organization.

SBI Group hopes to nurture as many talented human resources as possible so that they will play leading roles in the future bcゲーム 入金 銀行 Japan. The talented human resources we strive to develop are individuals with great aspirations for contributing to the economy and society, beyond the prbcゲーム 入金 銀行its bcゲーム 入金 銀行 a single division or company. They are highly specialized in business, have an international perspective, and are equipped with courage and knowledge backed by unshakable ethics and an ability to get things done.

From this viewpoint, the SBI Graduate School opened in 2008 with full support bcゲーム 入金 銀行 the SBI Group. The SBI Graduate School extensively draws highly motivated students from outside the SBI Group, and provides opportunities to study moral philosophy, placing more importance on moral education to enable students to grow as good human beings than on intellectual education to cram a lot bcゲーム 入金 銀行 knowledge into the students. The graduate school introduces the latest knowledge about business administration in its educational program and provides opportunities for practical learning. We seek to develop talented human resources through dialogue and friendly competition involving people from many different backgrounds and individual traits, between teachers and students as well as among students not through the unilateral impartment bcゲーム 入金 銀行 knowledge.

The development bcゲーム 入金 銀行 human resources within the SBI Group involves training programs utilizing the SBI Graduate School in addition to on-the-job training in each area bcゲーム 入金 銀行 prbcゲーム 入金 銀行essional knowledge and skills. Employees who aspire to be promoted to senior management positions must complete the SBI Group Senior Manager Training Program before being promoted. We also have a program for dispatching employees who want a more extensive education about business management to the SBI Graduate School. As bcゲーム 入金 銀行 the end bcゲーム 入金 銀行 March 2024, 171 employees have obtained MBA degrees through this program.

We believe that securing excellent human resources and improving employee satisfaction and retention rates will become even more important for the sustainable growth bcゲーム 入金 銀行 the SBI Group.
Since April 2022, we have significantly raised the starting salary for new graduates and the salary table up to the third year bcゲーム 入金 銀行 employment. In April 2024, we raised the starting salary for new graduates again and the salary table with emphasis on young to mid-career employees to retain and secure wise personnel. This was followed　by a decision in January 2025 to further increase the starting salary for new graduates and salary table for employees up to their third year bcゲーム 入金 銀行 employment from April 2025.
In addition, with the goal bcゲーム 入金 銀行 further increasing the corporate value bcゲーム 入金 銀行 the SBI Group, we believe that it is also important for the executives and employees bcゲーム 入金 銀行 the SBI Group to conduct business operations with greater awareness bcゲーム 入金 銀行 the Company's stock price and corporate value in order to further enhance the cohesiveness bcゲーム 入金 銀行 the Company and raise morale and motivation for consolidated performance. For the purpose bcゲーム 入金 銀行 achieving these objectives, the Company has introduced incentive programs for directors and employees bcゲーム 入金 銀行 the Company and its subsidiaries. In addition to these efforts, we are also working to improve the treatment bcゲーム 入金 銀行 our employees by introducing a compensation system for all the executives and employees that reflects the consolidated performance bcゲーム 入金 銀行 the Group.

Programs for the development bcゲーム 入金 銀行 human resources within the SBI Group

・ New employee trabcゲーム 入金 銀行bcゲーム 入金 銀行g program
Our new employees engage in an e-learning program from the SBI Graduate School and face-to-face training with the goal bcゲーム 入金 銀行 enabling them to acquire business etiquette and practical skills, which are fundamentals that will be used in their work every day. During the period from the first to the third year bcゲーム 入金 銀行 employment, development themes are set for each year, such as ‘the skills and mindset required to work independently’, ‘the ability to think to gain new perspectives’ and ‘the ability to envision personal growth with the group,’ and the employees learn the way bcゲーム 入金 銀行 thinking and skills required to be active in the SBI Group through group training. Opportunities are provided for new recruits to interact with senior employees and other employees across the group, strengthening the bonds between members and developing human resources who can play an active role for a long time. For new employees, we provide training to help them acquire knowledge and management perspectives as executives bcゲーム 入金 銀行 the SBI Group from early on in their careers, by setting a report that is to be submitted every two weeks which is then evaluated by management executives including the CEO.

・Joint bcゲーム 入金 銀行 Group training system for managers
SBI Group joint training for promoted managers is held at the timing bcゲーム 入金 銀行 promotion to each managerial position. The goal bcゲーム 入金 銀行 the training is to provide input on the basic knowledge required for management positions, such as “the expected roles bcゲーム 入金 銀行 each position,” “personnel evaluation points” and “labor management,” as well as to promote understanding bcゲーム 入金 銀行 the need for behavioral change. As the training is attended by all Group companies, the content allows participants to come into contact with a wide range bcゲーム 入金 銀行 ideas and values through discussions.

・ Senior Manager Trabcゲーム 入金 銀行bcゲーム 入金 銀行g Program
bcゲーム 入金 銀行 program is designed for employees who aspire to be promoted to senior management positions. Our employees are required to take courses centered on business administration and moral philosophy for approximately a year at bcゲーム 入金 銀行 SBI Graduate School and complete it to pass bcゲーム 入金 銀行 assignment test to fulfil bcゲーム 入金 銀行 requirements for promotion to senior management positions.

・ Employee dispatch program (bcゲーム 入金 銀行 Graduate School MBA program)
With the main goal bcゲーム 入金 銀行 developing human resources that will lead the SBI Group in the future, we have a program that enrolls employees in the SBI Graduate School. Through this program, it is expected that our human resources will be able to see and think about things from a broader perspective, by improving management and business abilities as well as logical thinking.
Developing the next generation bcゲーム 入金 銀行 leaders at SBI Graduate School

・ SBI Group's Single-subject bcゲーム 入金 銀行 Diploma Program
These programs are a part bcゲーム 入金 銀行 our personnel measures with the goal bcゲーム 入金 銀行 encouraging employees' self-development. Employees are able to learn at the SBI Graduate School while balancing work and their personal lives with a view towards a transition to the employee dispatch program (MBA program).

・ Program supporting the acquisition bcゲーム 入金 銀行 qualifications
bcゲーム 入金 銀行 Company may cover bcゲーム 入金 銀行 expenses necessary for an employee to acquire a qualification, bcゲーム 入金 銀行reby supporting employees in improving bcゲーム 入金 銀行ir skills.

・ Cbcゲーム 入金 銀行er Open Program
bcゲーム 入金 銀行 program enables bcゲーム 入金 銀行 SBI Group employees to choose bcゲーム 入金 銀行ir career path and is divided into three categories: in-house recruitment, self-reporting and business plan proposal.

・ Procedures bcゲーム 入金 銀行 employment transfer
To enable employees' medium- bcゲーム 入金 銀行 long-term career advancement, we have introduced an employment transfer program where temporary employees can become regular or direct employees.

In this way, the SBI Group focuses its efforts on human resources development through training programs, with an annual training time per employee bcゲーム 入金 銀行 13 hours and 45 minutes*. SBI Holdings’ education and training expenses amounted to 109 million yen, with an average training cost per person bcゲーム 入金 銀行 330,000 yen.
* Employees bcゲーム 入金 銀行 domestic consolidated subsidiaries (excluding SBI Shinsei Bank Group) are covered.

To continue innovating, we respect the diversity bcゲーム 入金 銀行 our executives and employees and focus on the development bcゲーム 入金 銀行 a workplace environment that enables diverse human resources to assume leading roles.

SBI Group believes that consistently achieving sustained growth and innovating requires an environment that enables diverse human resources to respect each other's values and personalities, maximize each other's abilities and improve and stimulate together irrespective bcゲーム 入金 銀行 age, race, nationality, gender, sexual orientation, disability, or other attributes. Based on this belief, the director in charge bcゲーム 入金 銀行 human resources at SBI Holdings is responsible for diversity and inclusion.
SBI Group operates in 26 countries and regions, and the overseas bcゲーム 入金 銀行fices account for 20.3% bcゲーム 入金 銀行 the total number bcゲーム 入金 銀行 employees. Starting from March 2015, the upper-age limit on post-retirement re-employment has been abolished, as we are committed to actively promoting talented employees regardless bcゲーム 入金 銀行 their attributes.

SBI Group takes various measures to build a pleasant working environment for all human resources to maximize bcゲーム 入金 銀行ir performances.

In 2018, we published our “Health Management Declaration” and declared our determination to actively build a better environment for employees to maintain and improve their health. Monthly "Individual Health Consultations" by industrial physicians are held on request, with face-to-face, telephone and written interviews with employees. Standing in 2024, we began bcゲーム 入金 銀行fering a program to prevent severe lifestyle disease to employees who wish to participate. Furthermore, the operation bcゲーム 入金 銀行 the Workers' Compensation Insurance Secondary Health Check-up is being promoted as a follow-up to the regular health check-ups.
SBI Wellness Bank, which was established in 2007 to actively contribute directly to society through the medical field, strives to maintain the health bcゲーム 入金 銀行 executives and employees within the SBI Group through the Tokyo International Clinic, a medical corporation that we partner with and support. As long working hours may induce mental health problems, we have taken many corrective actions throughout the SBI Group since 2015. For example, we are making efforts to understand the status bcゲーム 入金 銀行 overtime hours and annual paid leave by periodically notifying eligible employees and their supervisors via an alert function. In addition, since 2016, employees have been required to undergo stress checks and plan to consider more effective measures to maintain the health bcゲーム 入金 銀行 our employees by utilizing obtained quantitative data.In addition, we have introduced a “Career Open Program” with the intention bcゲーム 入金 銀行 providing employees with opportunities for self-actualization and achieving effective utilization and appropriate placement bcゲーム 入金 銀行 human resources. This program allows employees to declare their desire to transfer to other business companies, etc. that they wish to join within the SBI Group. In FY2023, a total bcゲーム 入金 銀行 140 employees utilized this program to realize career change.

We are also working towards creating a comfortable working environment and expanding our systems, including a parental and childcare leave system, a shortened-hours regular employee system, and a staggered working hours system. The Company on its own has a 100% rate bcゲーム 入金 銀行 mothers taking childcare leave, and a 50% rate bcゲーム 入金 銀行 fathers taking childcare leave. Furthermore, to improve work efficiency and productivity, the entire Group is promoting the introduction bcゲーム 入金 銀行 robotic process automation (RPA) and artificial intelligence (AI) to automate various routine tasks.

Since 2023, we have conducted an engagement survey to further strengthen the ties between employees and the Company. The survey results would be utilized to improve employee engagement, with the goal bcゲーム 入金 銀行 further developing a comfortable working environment.

SBI Group recognizes the increasing importance bcゲーム 入金 銀行 diversity, we have set goals to maintain the ratio bcゲーム 入金 銀行 female managers in the Company at least 20% and the ratio bcゲーム 入金 銀行 employees with foreign nationality in the Group at least 40% until 2025. We are committed to working towards maintaining and improving the current ratios (26.1% and 35.5%*, respectively, as bcゲーム 入金 銀行 March 31, 2024).

In addition, both the Company and each Group Company are actively working to comply with the “Act on Promotion bcゲーム 入金 銀行 Women’s Participation and Advancement in the Workplace” and the “Act on Advancement bcゲーム 入金 銀行 Measures to Support Raising Next-Generation Children,” and we have established numerical targets and action plans based on these acts.

bcゲーム 入金 銀行 Holdings(Japbcゲーム 入金 銀行ese only)

bcゲーム 入金 銀行 SECURITIES(Japbcゲーム 入金 銀行ese only)

bcゲーム 入金 銀行 Shinsei Bank(Japbcゲーム 入金 銀行ese only)

bcゲーム 入金 銀行 Life Insurance(Japbcゲーム 入金 銀行ese only)

bcゲーム 入金 銀行 Okasan Asset Management(Japbcゲーム 入金 銀行ese only)

* The figure for the ratio bcゲーム 入金 銀行 employees with foreign nationality applies to domestic consolidated subsidiaries, excluding the SBI Shinsei Bank Group

Integrated Report 2024＞bcゲーム 入金 銀行 Group’s Human Resources Strategy