Compliance System

Compliance
To ensure strict observance of all laws and regulations and that business is conducted in line with societal norms in a spirit of fairness, the Group has compiled the Kiyo Financial Group Pledge and the Kiyo Financial Group Code of Conduct as a body of basic policy to be followed by all Group companies.

The Kiyo Financial Group Pledge

The mission of the Group is to contribute to the prosperity of its community through the provision of general financial services.
    The Group pledges to strictly abide by all laws and regulations to which it is subject.
    The Group will refrain from all criminal activities, profit-seeking through unfair means, conduct lacking transparency and other actions that cannot be publicly justified.
    At the same time, the Group in its capacity as a good corporate citizen which respects personal rights, helps protect the global environment and takes proactive measures to contribute to the welfare of the community, will justify the trust placed in it by its customers in a spirit of fairness in line with the above pledge.

Pledge to Our Customers

While taking active steps to deal with change in the operating environment, creating innovative products and taking due account of information security, the Group will contribute to the development of corporate customers using every means at its disposal to provide a high-quality range of financial products and services and useful information based on accurate decision-making to offer true satisfaction to the customer.

Pledge to Our Shareholders

Our goal is to ensure due distribution of profit to our shareholders through the pursuit of sound management and a higher enterprise value.
    We take every measure to ensure transparent management and disclose management information to shareholders and investors as well as all other stakeholders in a fair, timely and appropriate way.

Pledge to Our Community

In full awareness of our societal responsibility and public mission to provide general financial services while never forgetting the debt of gratitude we owe to the society we serve, we will build unshakeable bonds of trust with the community in our operations through sound and transparent conduct of business activities.
    We will rigorously refrain from all contact with antisocial elements who could disrupt public order or threaten public safety.

Kiyo Financial Group Charter of Conduct

1. Ensuring Customer Trust: In full awareness of our social responsibility and public mission as a regional financial group, we will build unshakeable bonds of trust internally and externally through sound conduct of business operations.
2. Strict Observance of Laws and Regulations: We will strictly observe all laws and regulations and conduct business with sincerity and fairness.
3. Provision of High-Quality Financial Services: We will contribute to the benefits of customers by providing high-quality products and services centered on our customers’ true needs, with due attention given to financial safety and information security.
4. Promotion of Dialogue with the Community: We will ensure transparency of management through disclosure of management and other information in a fair, timely and appropriate way.
5. Respect for employee rights: We will respect the rights and individuality of employees and provide a safe, comfortable working environment for them.
6. Environmental Measures: We will take proactive measures to address environmental issues, participate in regional environment protection activities and provide financial services that contribute to environmental protection.
7. Social Contribution Activities: Recognizing that serving society in our region is the bedrock of our business, we will proactively take measures that contribute to the healthy development of the community, as a good corporate citizen working in partnership with the region.
8. Resolute Stance against Criminal Elements: We will rigorously refrain from all contact with criminal elements who could disrupt the ordered workings of the financial system or threaten public safety.

With regard to our internal organization, every member company in the Group will incorporate within its own internal set of regulations the “Kiyo Financial Group Legal and Regulatory Code,” and Group companies will cooperate in forming a framework for the observance of this code.
    We have organized a compliance committee and are discussing the creation of a compliance program to ensure sound, reliable and integrated management across the whole Group.
    The Banks are working to improve their compliance system and raise awareness of this issue by setting up compliance departments in both banks and organizing compliance training programs and study sessions.