- Risks related to economic conditions, fund procurement, market risks, regulatory changes, anti-money laundering compliance, impairment of financial instruments, and goodwill.
- Large-scale disasters (physical damage, human damage).
- Unforeseen events (economic downturn, competition).
- Impact of climate change (transaction volume decrease, financing cost increase).
- Competitive environment (new entrants, unfavorable conditions).
- Relationships with major partners (performance deterioration, alliance changes).
- Overseas business development (market trends, country risks).
- System risk and information security risk (system failures, data leaks).
- Actualization of administrative risks (negligence, losses).
- Securing and developing human resources (talent shortage, employee turnover).
Credit Saison
Greenhouse gas emissions & sustainability report data
In its 2024 reporting, Credit Saison disclosed greenhouse gas emissions of 13.0K t-CO2 (2023); Target 10479 t-CO2 (2030). Figures are as stated in the company's own report and may use different boundaries, units or methods (for example market-based vs location-based Scope 2), so compare with care.
GHG Emissions
13.0K t-CO2 (2023); Target 10479 t-CO2 (2030)
2024
Renewable Energy
100% (Ubiquitous Building data centers)
of total energy
✅ Reported Environmental Achievements
- Switched all electricity used at Credit Saison’s Ubiquitous Building data centers to electricity derived from 100% virtually renewable energy using non-fossil certificates with tracking
- Reduced CO2 emissions by approximately 770 t-CO2 annually in Tokyo and 230 t-CO2 annually in Kansai after introducing Ubiquitous Buildings.
- Reduced paper consumption by changing to online statements and applications, reducing the issuance of plastic cards through SAISON CARD Digital, and using recyclable materials in the envelope windows of statements (Online statements: 61% reduction compared to total members; Reduction of 500 grams of CO2 per envelope)
- SBTi validation for Scope 1, 2, and 3 greenhouse gas emission reduction targets for 2030.
- Implemented SAIS◎N eco Challenge to reduce company-wide CO2 emissions by 40 tons.
- Green roof installation in Credit Saison-owned Kansai Ubiquitous Building.
- Maintaining and managing Akagi Nature Park, replanting a mixed forest and protecting biodiversity.
🎯 Climate & Sustainability Targets
🔜 Short-term
- Reduce CO2 emissions by 40 tons through SAIS◎N eco Challenge.
📅 Medium-term
- Achieve greenhouse gas emission reduction targets for 2030 (SBTi validated).
🌱 ESG Focus Areas
Climate ChangeDiversity, Equity & Inclusion (DE&I)Social ImpactBiodiversityHuman RightsCustomer SatisfactionInformation/CybersecurityCommunity Engagement