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

■ ESG Data Book (PDF) can be found here.
　※The update to the latest version is scheduled for mid-September.

■Subject period：
FY2024 (April 1, 2024 - March 31, 2025) For Overseas insurance subsidiaries, FY2024 (Jan 1, 2024 - Dec 31, 2024) 

Subject organizations and data coverage:

* Domestic group companies operating such as risk-related services

Following approval at the 17th Annual Shareholders Meeting held on June 23, 2025, MS&AD Insurance Group Holdings transitioned from a Company with an Audit & Supervisory Board to a Company with an Audit and Supervisory Committee. Through this change in governance structure, the Company aims to strengthen the supervisory and checking functions of its Board of Directors, enhance the objectivity of management decisions, and facilitate swifter decision-making and business execution. In addition, the Company is working to further enhance its governance through proactive information disclosure.

(*1) Board members average tenure 3.8years

(*2) Outside directors average tenure 3.4years

(*3) The number of outside directors with relevant work experience in our company's sector : 1

(*1) Outside Directors　average attendance rate 98.6%. All directors average attendance rate 99.4％　（We are operating to ensure an attendance rate of at least 75%）
(*2) Outside Corporate Auditors average attendance rate 95.5%

*1 As a member of society, MS&AD Insurance companies believe that it is necessary to pay an appropriate share, and we make political donations to the extent permitted by law.
*2 The figures for the fiscal year 2022 have been corrected due to errors.（Correction made on July, 2024）Before correction：21,000 After correction：21,100

MS&AD Insurance Group contributed to the following initiatives to achieve environmental conservation on a global scale and the realization of a sustainable society.

* Number of reports to the meeting

*1 Including Consultation

*2 Of the cases received in FY 2024, 150 were related to harassment (including suspicious cases).

The Group's five domestic insurance companies have disclosed their initiatives based on their Customer-first Policy in the Business Operations and KPI used to evaluate the result of their initiatives.

For details of the questionnaire on customer satisfaction survey of each company, please visit their website.

*: MS Amlin

*1: Calculated from the average unit price at MS&AD Holdings.
*2: Calculated from the petroleum products price survey gasoline nationwide annual average unit price (Agency for Natural Resources and Energy).

Our efforts to reduce the environmental burden are also promoted in conjunction with key business partners. We are engaged in green purchasing, prioritizing eco-friendly products in procuring the materials used in our operations, and our entire value chain is working to establish a sustainable society. In addition, we are working with policyholders on Eco insurance certificates and web policy clauses that reduce the environmental burden of business activities and, at the same time, improve the convenience of policyholders.

*: Online "Terms & Conditions" in consideration of environment

MS&AD Group has been providing an environment that nurtures imagination, allows our employees to engage more deeply with their communities and society, and encourages their participation in and support for community development through our social contribution activities.
Through these activities, our employees have the opportunity to broaden their horizons, think from diverse perspectives, and build a strong network within the local community.
We are committed to supporting the growth of our employees by providing these activity opportunities, while simultaneously promoting contribution to local communities.

*1: Total amount of Donation Matching Gift and Donation from employees

*2: Total participants

*: No further classification due to privacy

*1: The end of March of each year
*2: The number of new hires in April of each next year
*3: The number of new employees in fiscal year
*4: Exclude retirees and are calculated based on voluntary resignees.
 

In February 2017, the Group established MS & AD Insurance Group Basic Policy on Human Rights and implemented the Group's human rights due diligence system. We provide our employees with human rights training every year in order for them to understand human rights better and to develop an organizational culture that respects human rights.

*: Rate of departments that conducted human rights trainings that required all employees to participate

Human Asset Development

*1:A correction was made due to a calculation error (August 2025). FY 2023: Before correction: 1,524,914 After correction: 1,580,536
*2:A correction was made due to a calculation error (August 2025). FY 2023: Before correction: 53.6 After correction: 55.5
*3,*4: The calculation method has been changed from FY2023
*5: Short-term program which allows employees to experience work they have never done before, at the request of the employee.
*6: At MS, the program was not implemented in fiscal years 2022 and 2023 due to the impact of the COVID-19 pandemic. Starting from fiscal year 2024, the program will be expanded and implemented.
*7: Short-term program which allows employees at the head office in Japan to experience working at overseas subsidiaries, as well as local employees at overseas subsidiaries to experience working at the head office.
*8: MBA dispatch program, and training program which allows employees to experience working for a year at overseas subsidiaries or insurance companies.
*9: Transfer system for which allows the local employees from overseas experience the jobs at the head office for 6 months to 1 year in Japan.
*10: Number of professional actuaries employed by the MS&AD Group with specialized skills for making full use of probability, statistical and other mathematical techniques used in product development, risk management and other processes (as of April 1 of the subsequent fiscal year).
*11: Employees who can utilize the latest digital technology and data (as of next April 1 of every fiscal year)
*12: Employees who have experienced expatriates and potential candidates (as of next April 1 of every fiscal year)

Employee satisfaction *1

*1: The results of the opinion poll asking all Group employees (all-employee average on a 6-point scale, Scope: 42,039 all domestic employees including temporary employees at the time of survey, Response rate: 95.9%).
*2: Ratio of employees feeling pride or job satisfaction
*3: Ratio of employees, regardless of sex and age, feeling free and lively at workplaces.

*:Percentage of net premium written

*1 Calculated based on the PCAF's (Partnership for Carbon Accounting Financials) GHG Measurement Standards for Financial Institutions (as of the end of March 2023). The measurement target categories for underwriting are automobile insurance, fire insurance, casualty insurance (excluding construction insurance), cargo insurance, marine insurance, and aviation insurance, with the GHG emissions of key Japanese domestic corporate clients calculated. The measurement target assets for investments and loans include domestic listed equities, corporate bonds, and corporate loans, with the GHG emissions of all targets with investments and loans among key Japanese domestic corporate clients calculated.
*2 Key Japanese domestic corporate clients selected based on insurance premium (approx. 3,300 companies)

*1 Key Japanese domestic corporate clients selected based on insurance premium(approx. 3,300 companies)
*2 Cumulative total from November 2023 (interim target announcement) to the end of October 2024.

Our company is upgrading our methodologies in line with developments. The Group calculates the greenhouse gas (GHG) emissions from our investments and loans in accordance with the methodology developed by the Partnership for Carbon Accounting Financials (PCAF), which specializes in creating standards for financial institutions to measure GHG emissions.
The emissions in the table below are calculated using Trucost's analytical tools, which determine greenhouse gas (GHG) emissions based on disclosure information from the investee companies. In the absence of available disclosure information, proprietary modeling approaches are used. Additionally, the estimates provided by PCAF are utilized. The calculations are based of target Scope 1 and Scope 2 emissions of the investee companies.

*1: Calculated in FY2022 using portfolio as of end of March 2022. Coverage for Stock 99%, Corporte Bonds 67%, Business loans 48%, Total 98.4％.
*2: Calculated in FY2023 using portfolio as of end of March 2023. Coverage for Stock 99%,Corporte Bonds 97%, Business loans 95%. Total 97.6％.
*3: Calculated in FY2024 using portfolio as of end of March 2024. Coverage for Stock 99.2%,Corporte Bonds 99.5%, Business loans 99.9%. Total 99.3％.