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2020-12-01 38页 5星级

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2020-12-01 51页 5星级

日本邮政集团2020年年度报告-JP Holdings（英文版）（182页）.pdf

JAPAN POST GROUP 2020 Annual Report Year ended March 31, 2020 02 10 Message from the President Report on Issues Related to Solicitation Quality of Japan Post Insurance Products 22 24 26 28 30 32 Structure of the Japan Post Group Financial and Non-Financial Highlights History of the Japan Post Group The Japan Post Groups Value Creation Process Strengths of the Japan Post Group Value Created by the Japan Post Group Enhancing Corporate Value 36 42 44 55 Overview and Progress of Medium-Term Management Plan 2020 Top Messages from Each Company Business Segment Information Social Contributions through Sports Value Creation Strategy 56 58 68 Toward the Realization of a Sustainable Society Initiatives through Business Activities Measures Taken by the Japan Post Group to Prevent the Spread of COVID-19 Sustainability 70 78 80 82 84 86 87 88 89 Japan Post Group Corporate Governance Directors Interview with Outside Director Japan Post Group Risk Management Japan Post Group Compliance Framework Japan Post Group Internal Audit System Japan Post Group IT Governance Cyber Security Measures Initiatives for Transportation Safety Corporate Governance 91Data Compilation Data Compilation CONTENTS Company Outline Date of Publication: October 2020 Editorial Policy This Integrated Report (hereinafter, “this Report”) is created from the dual perspectives of providing fi nancial and non-fi nancial information pertaining to an overview of the Japan Post Group as well as its business strategies and management issues for the purpose of promoting an understanding among stakeholders of the Groups initiatives toward sustainable value creation. This Report has been combined with the Disclosure Report. Reference Guideline: International Integrated Reporting Framework, International Integrated Reporting Council (IIRC) (December 2013) Subject of Reporting Reporting period: April 2019March 2020 (Part of this Report includes information after this period.) Scope of report: Japan Post Holdings Co., Ltd. and its subsidiaries and affi liated companies Others: In addition to this Report, please refer to the Integrated Reports of Japan Post Bank Co., Ltd. and Japan Post Insurance Co., Ltd. Please also refer to the most recent materials disclosed by Japan Post Holdings Co., Ltd., including the Notice of Ordinary General Meeting of Shareholders (Business Report, etc.), Annual Securities Report, and Summary Report of Financial Results, for detailed information on the state of business, fi nancial conditions, and business results of Japan Post Holdings Co., Ltd. and each company of the Japan Post Group. Company name: JAPAN POST HOLDINGS Co., Ltd. Head offi ce: 3-1, Otemachi 2-chome, Chiyoda-ku, Tokyo 100-8791, Japan Date of establishment: January 23, 2006 Paid-in capital: 3,500 billion Securities code: 6178 Total number of shareholders: 625,089 (As of March 31, 2020) 02 10 Message from the President Report on Issues Related to Solicitation Quality of Japan Post Insurance Products 22 24 26 28 30 32 Structure of the Japan Post Group Financial and Non-Financial Highlights History of the Japan Post Group The Japan Post Groups Value Creation Process Strengths of the Japan Post Group Value Created by the Japan Post Group Enhancing Corporate Value 36 42 44 55 Overview and Progress of Medium-Term Management Plan 2020 Top Messages from Each Company Business Segment Information Social Contributions through Sports Value Creation Strategy 56 58 68 Toward the Realization of a Sustainable Society Initiatives through Business Activities Measures Taken by the Japan Post Group to Prevent the Spread of COVID-19 Sustainability 70 78 80 82 84 86 87 88 89 Japan Post Group Corporate Governance Directors Interview with Outside Director Japan Post Group Risk Management Japan Post Group Compliance Framework Japan Post Group Internal Audit System Japan Post Group IT Governance Cyber Security Measures Initiatives for Transportation Safety Corporate Governance 91Data Compilation Data Compilation CONTENTS This Report is a translation of the Disclosure Document (the written explanation in Japanese of the business and fi nancial conditions of Japan Post Holdings Co., Ltd. and the Japan Post Group) that was prepared pursuant to Article 52-29 of the Banking Act and Article 271-25 of the Insurance Business Act. This Report is not prepared for the purpose of soliciting any shares or other securities of Japan Post Holdings and its subsidiaries. This Report contains forward-looking statements regarding future performance and other matters of the Japan Post Group and each company of the Japan Post Group. These forward-looking statements do not constitute guarantees of future performance and are subject to risks and uncertainties. Therefore, these statements are subject to the impact of a wide range of future risk factors that include changes in preconditions concerning the business environment, economic circumstances and economic trends, changes in laws and regulations, the occurrence of large-scale disasters, changes in the value of assets held, reputation and rumor risk, and other risks. Accordingly, it should be noted that actual business results and other matters could differ from the details contained in this Report. Figures and percentages shown in this Report have been rounded off, except for fi nancial numbers in the accounting statements, etc., that have been truncated without rounding. As a consequence, sums of fi gures may not match the totals presented. Figures and percentages, with exceptions as specifi cally indicated, are as of March 31, 2020. Disclaimer with Respect to Forward-Looking StatementsPublications and Their Positioning Japan Post Group Management Philosophy Stressing the security and confdence of Japan Post Group network, the Group, as a private corporation, is demonstrating creativity and effciency to the greatest extent possible and will provide customer-oriented services support the lives of customers in local communities and aim for the happiness of customers and employees. The Group will also pursue managerial transparency on its own, observe rules and contribute to the development of society and the region. Group Management Policy Reports Financial Information Non-Financial Information Websites 株主通信 2019年4月1日2020年3月31日 証券: 6178 日本郵政株式会社 日本郵便、 特殊切手 江戸東京 第1集 発行。 （発行日 ： 2020年6月16日） 江戸東京、 東京古今風物 題材特殊切手。 第1集、 日本 橋界隈小物、 食物、 建物、 、 風俗採上。 日本郵政 統合報告書（誌） 2020 誌 統合報告書 日本郵政 （2019.4.12020.3.31） 1. We will duly consider our customers lives, exercise our creativity and provide through our nationwide network a selection of products and services needed by customers in every stage of their lives. 5. We will create opportunities for all employees, business partners and the community to mutually cooperate and for each and every employee to grow. 2. We will establish effective corporate governance and compliance programs, including internal audits and internal controls. 4. We aim for the Groups sustainable growth and a mid-to-long term improvement in our corporate value. 3. We will maintain the transparency of the Groups operations through the timely and proper disclosure of information, the appropriate use of intra-group transactions and other activities. Summary Report of Financial Results Annual Securities Report Shareholders Report Notice of Ordinary General Meeting of Shareholders (Business Report, etc.) Integrated Report Corporate Governance Report CSR Report SDGs Book For shareholders and investors (IR website) https:/www. japanpost.jp/en/ir/ Group governance (Corporate governance website) https:/www.japanpost.jp/ en/group/governance/ CSR website https:/www.japanpost.jp/en/csr/ 1 JAPAN POST GROUP Annual Report 2020 We will listen to our customers with simple honesty, sincerity, and humility, and aim to provide services that truly put customers fi rst. Introduction I would like to begin by offering my prayers to those who have passed away from COVID-19 and by expressing my condolences to those who have lost loved ones, and to everyone who has suffered hardship during this time. I do hope that all affected by this pandemic will be able to return to their normal lives before long. I would also like to offer a sincere apology to our customers and others affected by the improper sale of insurance products. We are taking steps to recompense customers as quickly as possible. Going forward, the Japan Post Group will make a concerted effort to further strengthen internal management and compliance to prevent a recurrence, with the goal of regaining the trust of customers. I believe that to restore customer trust step by step, its important for all employees to share a sense of crisis, have a feeling of tension, and act sincerely to do what needs to be done. To overcome the greatest crisis that the Japan Post Group has ever faced, we will listen to our customers with simple honesty, sincerity, and humility, always remembering to retain a sense of gratitude, and continue to strive to be a company supporting the lives of our customers. Message from the President MASUDA Hiroya Director and Representative Executive Offi cer, President the same applies in the table below) Cases in which policyholders 65 years of age or older as of December 2019, who have paid monthly premiums of 100,000 or more, and have had at least one policy that was terminated a short period thereafter during the period from April 2014 to December 2019 11 JAPAN POST GROUP Annual Report 2020 Report on Issues Related to Solicitation Quality of Japan Post Insurance Products Results of the investigations of policies In regard to the investigations of specifi ed rewriting cases, we confi rmed the circumstances of the solicitation process at the time of enrollment and customers intentions about reinstatement by mail, phone, or home visit to approximately 156 thousand customers. As for the reinstatement, etc., of policies, we fi nished responding to customers as of the end of March 2020, except for cases that could not be fi nished due to reasons attributable to customers. We will conduct reinstatement, etc., of policies carefully and swiftly based on the following basic policy. (1) Status of progress of investigations of specifi ed rewriting cases Based on the results of our confi rmations, etc., with customers of the circumstances of the contract process as part of the investigations of specifi ed rewriting cases, Japan Post Insurance has investigated sales personnel to check if there were any cases of solicitation process problems that might involve the violation of laws and regulations or of internal rules through interviews with sales personnel and other measures (sales personnel investigations). As a result, we have mostly completed the review of sales personnel investigations as of the end of April 2020, and identifi ed 315 cases (the number of sales personnel: 420) of violations of laws and regulations and 3,277 cases (the number of sales personnel: 2,207) of violations of internal rules as of May 31, 2020. Meanwhile, we have already started remedial training for the sales personnel who were identifi ed to have violated laws and regulations or internal rules (1,889 personnel were subject to training through June 15, 2020). In the course of the investigations of all insurance policies and the additional investigations described below, we identifi ed 3,661 potential cases that might involve violations of laws and regulations or internal rules as of May 31, 2020, for which we have been conducting the sales personnel investigations and compensating customers for disadvantages experienced. We would like to express our sincere apologies for violations of laws and regulations and internal rules identifi ed during the sales personnel investigations and will ensure avoiding recurrence. (2) Status of progress of sales personnel investigations in connection with investigations of specifi ed rewriting cases In the investigations of all insurance policies, we sent notifi cation documents with reply cards to approximately 19 million customers to confi rm their intentions and received over 1 million replies. Based on the aforementioned basic policy, we completed responding to customers as of the end of March 2020, except for cases that could not be fi nished due to reasons attributable to customers. We will continue responding to customer requests, such as the requests for compensation for disadvantages experienced, including those that could not be fi nished due to reasons attributable to customers, and plan to complete the compensation by the end of June 2020. (3) Status of progress of investigation of all insurance policies 1) Status of progress of investigations of multiple policies “Investigations of specifi ed rewriting cases” were conducted for the categories where we could determine a possibility that disadvantages had been caused to customers not in line with their intentions. “Investigations of all insurance policies” were conducted for the all policies in force and cancelled policies excluding specifi ed rewriting cases. Aug.Sep.Oct.Nov.Dec.Aug.Jul.Jun.MayApr.Mar.Feb.Jan.Sep.Oct.Nov.Dec. 20192020 Investigations of policiesFollow-up activities Explanations to customers and confi rmation of their intentionsFollow-up activities aligned more closely with customers Investigations of specifi ed rewriting cases Confi rmation of customers intentions Procedures for reinstatement, etc. Completion of sending of guidance and explanations on reinstatement (Investigations of sales personnel) We will continue responding to customers requests, if any, carefully. Investigations of all insurance policies, etc. Additional investigations Measures based on the replies Responding to customers Areas to provide priority responses (Investigations of sales personnel) (Investigations of sales personnel) Completion of responding to customers A A B Investigations and confi rmations by way of letters, visits, etc. Home visits to confi rm the policy coverage and regain trust of customers Investigations of multiple policies BInvestigation on policies except multiple policies Regular follow-up activities Enhancement of activities for the policy coverage confi rmation Other than the above cases subject to investigations, we will work to eliminate disadvantages of customers in good faith through successive home visits, in cases where confi rmations of the policy coverage are necessary. We will provide customers with opportunities to promote the awareness of their policy coverage through continuous activities to enable them to confi rm the coverage as well as the improvement of the “Notifi cation of Policy Coverage” sent to customers once a year. Basic policy We will continue to strive to quickly compensate customers who have experienced disadvantages in accordance with their intentions through appropriate internal judgment, except for cases clearly not involving disadvantages to customers. In regard to add

2020-11-08 182页 5星级

微博 Weibo Corporation（WB）2020年20-F年度报告「NASDAQ」（英文版）（341页）.pdf

是否通过复选标记表明注册人是一个大型加速备案者，一个加速备案者，一个非加速备案者，还是一个新兴的成长公司。参见交易所法案第12b-2条对“大型加速申报者”、“加速申报者”和“新兴成长型公司”的定义。

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开市客Costco Wholesale（COST）2020财年年度报告（英文版）（72页）.pdf

参见交易法第12b-2条对“大型加速申报者”、“加速申报者”、“小型报告公司”和新兴成长型公司的定义。

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我们的未来我想对我们的全球团队、我们的来宾和大使、我们的董事会，以及你们所有人，我们的股东表示深深的感谢。我对我们面前的机会感到无比兴奋。我们正处于成长的初期，我们继续在地域、品类和渠道上扩张。多年的成功使我们能够问自己，我们将创造的未来“有多高”。看到我们的领导团队和员工所能取得的成就，我感到非常兴奋。

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宝马集团BMW AG (BAMGF)2020年年度报告「OTC」（英文版）（368页）.PDF

因此，它承担起了责任，并将这一主题置于公司未来战略的核心。这一变化涉及迈出重要一步，因为宝马集团将可持续发展作为其企业决策过程的主要因素。这种综合办法不需要采取单独的可持续性战略。

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英特尔Intel Corporation（INTC）2020年10-K年度报告（英文版）（122页）.pdf

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【Google谷歌母公司】Alphabet Inc.（GOOG）2020年10-K年度报告（英文版）（100页）.pdf

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2020-08-11 104页 5星级

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亚马逊Amazon.com Inc.（AMZN）2020年年度报告「NASDAQ」（英文版）（87页）.pdf

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苹果公司Apple Inc. (AAPL)2007财年年度报告（英文版）（167页）.pdf

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2020-08-03 167页 5星级