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Data / Reference Material

The following are the materials and data about CSR approaches of the MS&AD Insurance Group.

Subject period:
FY2016 (April 1, 2016 - March 31, 2017)

Subject organization and data coverage:

Company name abbreviation Group Domestic Consolidated
Subject Employee-based coverage Subject Employee-based coverage
Mitsui Sumitomo Insurance Co., Ltd. MSI 77.7% 100%
Aioi Nissay Dowa Insurance Co., Ltd. ADI
Mitsui Direct General Insurance Co., Ltd. MD
Mitsui Sumitomo Aioi Life Insurance Co., Ltd. MSA
Mitsui Sumitomo Primary Life Insurance Co., Ltd. MSP
MS&AD Holdings HD
Overseas insurance subsidiaries Overseas
Other(*1) Other

(*1) Companies such as risk-related business operations operated by group companies

Third-Party Assurance

The MS&AD Insurance Group has engaged KPMG AZSA Sustainability Co., Ltd. since 2015 to perform an assurance engagement of some selected environmental and social data in order to assure credibility of reported figures. The data subject to the third-party assurance this year is indicated with .

KPMG's Independent Assurance Report is Found Here

The Calculation Methodology for the Data is Found Here


ISO 26000 Core Subjects (Organizational Governance)

Corporate Governance

Directors (as of 26 June 2017)

Chairman of the Board of Directors
Chairman
(In the absence of the Chairman, President serves concurrently.)
Number of Directors
12
Number of Outside Directors
5
Number of independent members in Outside Directors
5

Corporate Auditors (as of 26 June 2017)

Existence of Auditors' Meeting
In place
Number of Corporate Auditors
4
Number of Outside Corporate Auditors
2
Number of independent members in Outside Corporate Auditors
2

Nomination and Remuneration

Function
FY2016
Execution, Supervising
Board of Directors
13(*1)
Governance Committee
  3
Group Management Committee
12
Task-Specific Committee
Group Management and Monitoring Committee
12
ERM Committee
  6
Group Profitability Enhancement Committee
  3
Group Overseas Business Committee
  4
ICT Innovation Committee
  3
Risk Compliance Committee
  4
Information Disclosure Committee
  8
Brand Committee
  8
CSR Committee
  1
Group System Committee
3
Audit, Supervising
Board of Auditors
13(*2)

(*1) Outside Directors average attendance rate 92.3%
(*2) Outside Corporate Auditors average attendance rate 92.3%

Detailed information of Corporate Governance

Compliance

Internal Report System
Yes

Risk Management

Information Disclosure

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ISO 26000 Core Subjects (Environment)

CO2 Emissions in Business Activities

(Percentage change from the previous year in parenthesis)

Items Coverage Units FY2012 FY2013 FY2014 FY2015 FY2016
CO2 emissions
(Scope1,2,3)
 
  Consolidated t-CO2 124,068
(13.9%)
466,559(*)
(-)
471,649
(1.1%)
480,685
(1.9%)
546,965
(13.8%)
CO2 emissions
(Scope 1)
Group Domestic + Other t-CO2 22,804
(▲0.5%)
22,889
(0.3%)
22,823
(▲0.3%)
20,417
(▲10.5%)
19,717
(▲3.4%)
Consolidated t-CO2 23,005
(▲0.3%)
23,057
(0.2%)
22,983
(▲0.3%)
25,010
(8.8%)
26,315
(5.2%)
CO2 emissions
(Scope 2)
Group Domestic + Other t-CO2 79,325
(24.6%)
77,199
(▲2.7%)
87,337
(13.1%)
83,641
(▲4.2%)
81,629
(▲2.4%)
Consolidated t-CO2 91,241
(20.2%)
88,761
(▲2.7%)
100,584
(13.3%)
94,943
(▲5.6%)
94,615
(▲0.3%)
CO2 emissions
(Scope 3)
Consolidated t-CO2 9,821
(▲1.2%)
354,741(*)
(-)
348,082
(▲1.9%)
360,732
(3.6%)
426,036
(18.1%)

(*) Figures of CO2 emissions (Scope2) from fiscal 2012 to fiscal 2015 are revised from those disclosed in fiscal 2016
In fiscal 2012, we report on 2 categories of Scope 3 ("employee commuting" and "business trip"). From fiscal 2013 onwards, we report on 9 categories of Scope 3.

Data on Environmental Impact

Scope 1 & 2 Coverage [the Group’s consolidated figures (including overseas Companies)]

(Percentage change from the previous year in parenthesis)

Items Coverage Units FY2012 FY2013 FY2014 FY2015 FY2016
Electricity Consolidated MWh 200,517
(▲2.2%)
199,368
(▲1.0%)
194,337
(▲2.5%)
172,807
(▲11.1%)
171,826
(▲0.6%)
Heat supply Consolidated GJ 58,654
(64.3%)
41,043
(▲10.4%)
48,681
(▲7.4%)
58,922
(2.1%)
67,842
(15.1%)
City gas Consolidated thousand m3 1,984
(2.9%)
2,224
(12.1%)
2,377
(6.9%)
2,017
(▲15.1%)
2,258
(11.9%)
Liquefied Petroleum Gas Consolidated t 118
(49.4%)
126
(6.8%)
168
(33.3%)
189
(12.5%)
203
(7.2%)
Heavy oil Consolidated kℓ 105
(94.4%)
121
(15.2%)
103
(▲14.9%)
95
(▲8.7%)
107
(12.5%)
Kerosene Consolidated kℓ 202
(5.2%)
189
(▲9.5%)
190
(4.2%)
190
(0%)
192
(1.0%)
Diesel oil Consolidated kℓ 6
(0%)
7
(16.7%)
6
(▲14.3%)
6
(0%)
6
(0%)
Gasoline Consolidated kℓ 7,523
(▲3.3%)
7,907
(5.1%)
7,536
(▲4.7%)
8,278
(9.8%)
8,585
(3.7%)
Total energy consumption Consolidated MWh 682,638
(▲0.6%)
688,621
(0.6%)
666,755
(▲3.2%)
614,004
(▲7.9%)
615,823
(0.3%)
GJ 2,437,993
(▲0.6%)
2,459,364
(0.6%)
2,381,270
(▲3.2%)
2,192,873
(▲7.9%)
2,216,961
(1.1%)

Figures of Electricity from fiscal 2012 to fiscal 2015 are revised from those disclosed in fiscal 2016

Scope 3 Coverage (major items)

(Percentage change from the previous year in parenthesis)

Items Coverage Units FY2012 FY2013 FY2014 FY2015 FY2016
Paper Group Domestic + Other t 14,445
(▲12.2%)
16,036
(11.%)
13,283
(▲17.2%)
13,940
(4.9%)
13,005
(▲6.6%)
Proportion of paper with forest certification MSI, ADI, MSA (Japan) % 12.0
(96.7%)
15.1
(25.8.%)
15.9
(5.3.%)
16.4
(3.1%)
17.0
(3.7%)
Total water use Consolidated
(*1)
thousand m3 691
(▲15.5%)
941
(-)
986
(4.8%)
909
(-)
1,074
(18.2%)
Total disposed waste Consolidated
(*1)
t 5,330
(12.5%)
8,561
(-)
7,193
(▲16.0%)
8,960
(-)
10,551
(17.8%)
Total recycled waste Group Domestic + Other
(FY2013-)
t 3,554
(▲21.4%)
4,523
(27.3%)
3,867
(▲14.5%)
4,616
(19.4%)
5,837
(26.5%)
Business trip (Aircraft use only) Consolidated
(*2) (*3)
thousand passenger-km 10,454 17,305
(-)
16,634
(▲3.9%)
26,494
(-)
45,025
(69.9%)

(*1) In fiscal 2012, the boundary is sites of MS and AD in Japan. In fiscal 2013 and 2014, the boundary is MS, AD, MSA and Overseas.
(*2) In fiscal 2012, the boundary is sites of MS and AD in Japan. In fiscal 2013 and 2014, the boundary is sites of MS, AD and MSA in Japan.
(*3) Significant increase of business travel is due to the acquisition of Amlin plc.

Renewable Energy Generation (Photovoltaic Power)

Items Coverage Units FY2012 FY2013 FY2014 FY2015 FY2016
Energy Generation 4 Buildings(*1) kWh 49,417 49,923 68,783 56,611 56,212

(*1) MSI Surugadai Main & New bldgs, MSI Osaka Yodoyabashi bldg, ADI Tokyo Customer Center bldg.

Cost Reduction Effect

Items Coverage Units FY2012 FY2013 FY2014 FY2015 FY2016
Electricity(*1) Consolidated thousand JPY ▲138,210 55,080 ▲94,646 ▲549,245 ▲24,137
Gasoline(*2) Consolidated thousand JPY ▲38,016 ▲48,858 ▲56,589 98,834 131,355
Copy Paper(*3) Group Domestic + Other thousand JPY ▲36,480 ▲13,440 ▲12,960 ▲52,480 ▲5,265

(*1) Calculated from the average unit price of electricity at MS&AD Holdings. From fiscal 2015 onwards, we include overseas.
(*2) Calculated from the petroleum products price survey gasoline nationwide annual average unit price (Agency for Natural Resources and Energy). From fiscal 2015 onwards, we include overseas.
(*3) Effects of copy paper reduction

Environmental Approaches through Supply Chain

Items Coverage Units FY2012 FY2013 FY2014 FY2015 FY2016
Ratio of Web Policy Clause(*) MSI, ADI % 51.7 61.9 70.7 74.0 78.1
Number of Agents and companies with certification under Eco Action 21 MSI, ADI companies 1,219 1,261 466 366 241
Number of maintenance shops implementing Eco-inspection, Eco-maintenance MSI companies 434 467 400 392 391

(*) Online "Terms & Conditions" in consideration of environment

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ISO 26000 Core Subjects (Human Rights) (Labor Practices)

Employment(*1)

Items Coverage   Units FY2012 FY2013 FY2014 FY2015 FY2016
Number of the Group employees(*1)
Temporary employees are superscripted as the average number of annual temporary hires in the bracket.
Group consolidated male-female combined total    people 36,643 37,055 38,358 40,617 40,641
(7,833) (8,746) (8,996) (10,173) (10,150)
male people - - - - 20,350
female people - - - - 20,291
Group domestic male-female combined total    people 30,580 30,558 31,620 31,754 31,591
(7,502) (8,351) (8,583) (9,520) (9,458)
male people - - - 16,661 16,057
female people - - - 15,093 15,534
companies MSI people 14,478 14,188 14,859 14,691 14,650
ADI people 12,784 12,812 12,973 13,260 13,052
MD people 503 528 572 563 581
MSA people 2,366 2,421 2,544 2,554 2,595
MSP people 342 344 363 381 384
holding company HD people 107 265 309 305 329
Overseas male-female combined total    people 6,003 6,228 6,448 8,573 8,759
(331) (375) (379) (622) (656)
male people - - - - 4,072
female people - - - - 4,687
Other(※2) male-female combined total   people 60 269 290 290 291
male people - - - - 221
female people - - - - 70

(*1) Excludes employees transfering out of the company, but includes employess transferring in. Excludes excecutive officers and employees on leave.
(*2) Risk-related service businesses operated by the Group Companies other than those in the domestic insurance industry

Breakdown of group domestic employees

Items Coverage Units FY2012 FY2013 FY2014 FY2015 FY2016
Average age(*1) Group domestic male-female combined total   age 41.0 41.3 41.7 41.8 41.7
Group domestic male age 46.6 44.4 44.8 44.8 44.6
Group domestic female age 41.0 37.9 38.2 38.5 38.7
Average length of service Group domestic male-female combined total   year 12.4 12.8 12.5 12.7 12.6
Group domestic male year 13.9 14.2 13.4 13.7 13.5
Group domestic female year 10.9 11.3 11.5 11.7 11.8
Number of regular hires(*2) Group domestic male-female combined total   people 784 955 1,111 1,112 1,327
Group domestic male people 249 248 292 337 377
Group domestic female people 535 707 819 775 950
Turnover rate(*3) Group domestic male-female combined total   % - - - 3.1 2.8

Diversity

   
Items CoverageUnits FY2012 FY2013 FY2014 FY2015 FY2016
Employment rate and number of employees with disabilities Group domestic    1.97 2.08 2.09 2.31 2.52
people 496 587 623 701 755
Rehiring Program after retirement Number of users(*1) Group domestic    people 626 769 915 898 1,008
Percentage and number of females among board members and corporate auditors(*2) HD Directors - - - 9.1 16.7
people - - - 1 2
Corporate Auditors - - - 0 50.0
people - - - 0 2
Percentage and number of females in managerial positions(*3) Group Consolidated Total managerial positions - - - - 12.7
people - - - - 1,200
Group domestic General Managers 0.9
1.0
1.2
2.1 2.8
people 9 11 14 25 35
Managers 3.3 4.0 5.1 6.2 7.9
people 236 285 363 424 516
Total managerial positions 3.0 3.6 4.6 5.5 7.1
people 245 296 377 449 551

(*1) Number of people newly or consecutively re-employed
(*2) Approved at shareholders meeting held each next fiscal year.
(*3) As of April 1st next fiscal year for Group Domestic. As of December 31st for Overseas insuarance subsidiaries

Human Rights

Items Coverage Units FY2012 FY2013 FY2014 FY2015 FY2016
Human rights seminars MSI %(*1) 97.1 97.3 97.9 97.6 100.0
ADI %(*2) 97.7 92.5 99.7 99.9 100.0

(*1) participation rate of seminars (including employees at affiliated business companies)
(*2) Completion rate of e-learning

Items Coverage Units FY2015 FY2016
Labor union membership rate Japan % 89.7 90.2

Programs for Promoting Work-life Balance

Items Coverage Units FY2012 FY2013 FY2014 FY2015 FY2016
Temporary leave before / after childbirth
Number of acquirers
Group domestic people 496 564 552 679 646
Temporary leave for childcare
Number of acquirers
Group domestic male-female combined total   people 478 513 611 758 849
male people 8 9 61 96 204
female people 470 504 550 662 645
Flexible working hours for childcare
Number of acquirers
Group domestic shorter hours people 392 480 527 587 654
flextime people 16 41 23 27 16
Change of Starting / Finishing time people 2 4 5 22 29
Temporary retirement for nursing
Number of acquirers
Group domestic male-female combined total   people 15 14 13 19 17
male people 6 4 2 4 5
female people 9 10 11 15 12
Flexible working hours for nursing
Number of acquirers
Group domestic Number of acquirers people 10 7 7 15 9
Ratio of employees taking paid leave(*) Group domestic % - - 49.6 53.5 56.1

(*) Number of days acquired / granted. Including scheduled / vacation (excluding carring-over) and special vacation such as summer vacation.

Health and Safety at Work

Items Coverage Units FY2012 FY2013 FY2014 FY2015 FY2016
Number of claims for work related injuries Group domestic Total   cases 150 173 162 141 227
Work-related accident cases 59 81 74 68 113
Accident during commute cases 90 92 88 73 114
Fatality accident cases 1 0 0 0 0
Consultation rate of Medical Checkup(*1) Group domestic % 99.2 100.0 100.0 100.0 100.0
Total lost days due to absenteeism(*2) Group domestic days 41,403 44,037 44,710 43,516 48,935

(*1) Number of employees undergoing medical checkup consultation / number of employees
(*2) Include temporary employees in the coverage

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