Credit Ratings

Japanese

As of December 15, 2016

This section contains information about credit ratings assigned to the following companies in the Group.

Rating Agencies Ratings Assigned MS&AD Holdings Mitsui Sumitomo Insurance Co., Ltd. Aioi Nissay Dowa Insurance Co., Ltd. Mitsui Sumitomo Aioi Life Insurance Co., Ltd. Mitsui Sumitomo Primary Life Insurance Co., Ltd.
Standard & Poor's Ratings Japan K.K. Financial Strength Rating - A+
Stable
A+
Stable
A+
Stable
A+
Stable
Long-Term Issuer Credit Rating - A+
Stable
A+
Stable
- -
Short-Term Issuer Credit Rating - A-1 A-1 - -
Moody's Japan K.K. Insurance Financial Strength Rating - A1
Stable
A1
Stable
- -
Long-Term Issuer Rating - A1
Stable
- - -
Rating and Investment Information, Inc. (R&I) Issuer Rating - AA-
Positive
AA-
Positive
- -
Insurance Claims Paying Ability - - - AA-
Positive
AA-
Positive
Japan Credit Rating Agency, Ltd. (JCR) Ability to Pay Insurance Claims - - AA+
Stable
- -
Long-Term Issuer Rating AA
Stable
AA+
Stable
AA+
Stable
- -
Short-Term Rating(Commercial Paper) - J-1+ J-1+ - -
A.M.Best Co. Financial Strength Rating - A+
Stable
A+
Stable
- -
Issuer Credit Rating - aa
Stable
aa
Stable
- -

The table below indicates information about credit ratings of overseas subsidiaries.

Rating Agencies Overseas Subsidiaries Credit Ratings
Standard & Poor's Ratings Japan K.K. Mitsui Sumitomo Insurance Co. (Europe) Ltd.
MS Frontier Reinsurance Ltd.
MSI Corporate Capital Ltd.
MSIG Insurance (Hong Kong) Ltd.
MSIG Insurance (Singapore) Pte. Ltd.
MSIG Insurance Europe AG
Applicable to the same ratings of Mitsui Sumitomo Insurance with the guarantee on insurance/reinsurance policies, issued by Mitsui Sumitomo Insurance (the issuer of the guarantee, the "Guarantor").
The obligations of the Guarantor under the guarantee rank pari passu with all other unsecured indebtedness of the Guarantor. The guarantee is unconditional and covers the subsidiaries' obligations of payment and not collection.
Aioi Nissay Dowa Insurance Company of Europe Ltd. Applicable to the same rating of Aioi Nissay Dowa Insurance with the guarantee on insurance/reinsurance policies, issued by Aioi Nissay Dowa Insurance (the issuer of the guarantee, the "Guarantor").
The obligations of the Guarantor under the guarantee rank pari passu with all other unsecured indebtedness of the Guarantor. The guarantee is unconditional and covers the subsidiaries' obligations of payment and not collection.
Mitsui Sumitomo Insurance Company of America
Mitsui Sumitomo Insurance USA, Inc.
<Financial Strength Rating>
A+/Stable
Mitsui Sumitomo Insurance (China) Co. Ltd.
MSIG Mingtai Insurance Co. Ltd.
<Financial Strength Rating>
A/Stable
A.M.Best Co. Mitsui Sumitomo Insurance Company of America
Mitsui Sumitomo Insurance USA, Inc.
Aioi Nissay Dowa Insurance Company of America
<Financial Strength Rating>
A+/Stable
<Issuer Credit Rating>
aa/Stable
MS Frontier Reinsurance Ltd. <Financial Strength Rating>
A/Stable
<Issuer Credit Rating>
a+/Stable
DTRIC Insurance Company Ltd.
DTRIC Insurance Underwriters, Ltd.
<Financial Strength Rating>
A/Stable
<Issuer Credit Rating>
a/Stable
Aioi Nissay Dowa Insurance (China) Co. Ltd. <Financial Strength Rating>
A-/Stable
<Issuer Credit Rating>
a-/Stable

For definitions of credit ratings and information on credit rating agencies, please visit the sites of the following credit rating agencies:

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