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

 

Subject period:
FY2021 (April 1, 2021 - March 31, 2022)

 

Subject organizations and data coverage:

Company name abbreviation Group Domestic
(Domestic consolidated
subsidiaries)
Consolidated
(MS&AD Group total)
Subject Employee-based
coverage
Subject Employee-based
coverage
Mitsui Sumitomo Insurance Co., Ltd. MSI 76.8% 100%
Aioi Nissay Dowa Insurance Co., Ltd. ADI
Mitsui Direct General Insurance Co., Ltd. Mitsui Direct General
Mitsui Sumitomo Aioi Life Insurance Co., Ltd. MSI Aioi Life
Mitsui Sumitomo Primary Life Insurance Co., Ltd. MSI Primary Life
MS&AD Holdings MS&AD Holdings
Overseas insurance subsidiaries Overseas
Other(*) Other

(*) Domestic group companies operating such as risk-related services

Third-Party Assurance

 

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

ISO 26000 Core Subjects (Organizational Governance)

Corporate Governance

As a company with a Audit & Supervisory Board, the Company will endeavor to improve governance by ensuring that independently appointed Audit & Supervisory Board Members appropriately act in their auditing functions, in addition to ensuring that the Board of Directors appropriately acts in its oversight functions, while strengthening the functions of each and actively disclosing information.

Directors (as of 27 June 2022)

Chairperson of the Board

Chairman
(except holding concurrent post of President)

Number of Directors

11 (*1)

Number of Outside Directors

5 (*2)

Number of independent Directors

5 (*3)

Number and ratio of women at the Board of Directors

3 / 27.3%

(*1) Board members average tenure 4.3years

(*2) Outside directors average tenure 3.0years

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

Corporate Auditors (as of 27 June 2022)

Establishment of Board of Auditors

Established

Number of Audit and Supervisory Board Member

4

Number of Outside Audit and Supervisory Board Member

2

Number of independent Audit and Supervisory Board Member

2

Number and ratio of women in corporate auditors

2 / 50.0%

Nomination and Remuneration

Number of Meetings of Board of Directors etc.

Function FY2021
Business Execution, Oversight Board of Directors 12 *1
Governance Committee 2
Group Management Committee 12
Task-Specific Committees
Sustainability Committee 5
Quality Improvement and Compliance Committee 5
Digitalization Committee 4
Group Systems Committee 13
Group International Business Committee 3
Risk Management Committee 8
Group standardization Committee 3
Auditing, Oversight Board of Auditors 11 *2

(*1) Outside Directors average attendance rate 100%. All directors average attendance rate 100%
(*2) Outside Corporate Auditors average attendance rate 100%

Information Voting Right

Classification Number of shares
(shares)
Number of Voting Rights Description
Non-Voting shares - - -
Shares with Restricted Voting Right
(treasury shares, etc)
- - -
Shares with Restricted Voting Right
(others)
- - -
Shares with Full Voting Right
(treasury shares, etc)
(Treasury Shares)
Common Stock
46,187,000
- Share Unit Number
(100 shares)
Shares with Full Voting Right
(others)
Common Stock
545,874,400
5,458,744 Same as above
Fractional Shares Common Stock
1,571,491
- Fractional Shares
(Less than 100 shares)
Total number of Outstanding Shares 593,632,891 - -
Total number of Vote - 5,458,744 -

Political Donations*

(*) As a member of society, MS&AD Insurance Group believes that it is necessary to pay an appropriate share, and we make political donations to the extent permitted by law.

Speak-up system (Whistleblowing system)

Items Coverage Units FY2019 FY2020 FY2021
Number of cases reported Consolidated cases 164 172 154 (*)

(*)Of the cases received in FY2021, of incidents of harassment was confirmed in 16 cases (as of April 2022).

ISO 26000 Core Subjects (Consumer Issues)

Progress and KPI(key performance indicators) in relation to our customer-first policy in the business operations (In japanese only)

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.

ISO 26000 Core Subjects (Environment)

Greenhouse Gas (GHG) Emissions in Business Activities

With our support for the Paris Agreement adopted in 2015, we have signed the Paris Pledge for Action that calls on its signatories to address climate change and global warming. On May, 2021 we have set a goal of Net Zero GHG emissions by FY 2050. In order to achieve the goal, we also set 2030 interim targets for GHG emission reduction (Scope 1, 2 and part of 3) and renewable energy use (60% in 2030) . For Net Zero it is essential to reduce GHG emission in supply chain as in our own business operation. We will promote initiatives together with our customers, agents and other stakeholders.

(Percentage change from the previous year in parenthesis)

Items Coverage Units FY2019 FY2020 FY2021 Third-Party
Assurance
GHG emissions
(Scope1,2,3)
Consolidated t-CO2 257,207
(▲51.5%)
224,599
(▲12.7%)
199,630
(▲11.1%)
GHG emissions
(Scope 1)
Group
Domestic
+ Other
t-CO2 18,491
(7.7%)
15,883
(▲14.1%)
14,915
(▲6.1%)
Consolidated t-CO2 22,870
(▲12.6%)
19,686
(▲13.9%)
17,584
(▲10.7%)
GHG emissions
(Scope 2)
Group
Domestic
+ Other
t-CO2 57,063
(▲8.3%)
54,824
(▲3.9%)
51,629
(▲5.8%)
Consolidated t-CO2 65,588
(▲8.8%)
57,569
(▲12.2%)
53,907
(▲6.4%)
GHG emissions
(Scope 1 and Scope 2 combined)
Group
Domestic
+ Other
t-CO2 75,554
(▲4.8%)
70,707
(▲6.4%)
66,544
(▲5.9%)
Consolidated t-CO2 88,458
(▲9.8%)
77,255
(▲12.7%)
71,491
(▲7.5%)
GHG emissions
(Scope 3)
Consolidated t-CO2 168,748
(▲61.0%)
147,344
(▲12.7%)
128,139
(▲13.0%)

(*)We have revised the figures in FY2019,FY2020 by improving the accuracy of business activities' data which is the basis of calculation.

GHG  emissions (Scope 3)


(Percentage change from the previous year in parenthesis)

Items Coverage Units FY2019 FY2020 FY2021 Third-Party
Assurance
Category 1
Purchased goods and services (*1)
Group
Domestic
+ Other
t-CO2 55,727
(4.0%)
47,523
(▲14.7%)
43,881
(▲7.7%)
Category 2
Capital goods
Consolidated t-CO2 60,720
(▲0.3%)
61,824
(1.8%)
50,784
(▲17.9%)
Category 3
Fuel- and energy-related activities
(not included in Scope 1 or Scope 2)(*2)
Consolidated t-CO2 17,008
(65.5%)
16,003
(▲5.9%)
15,265
(▲4.6%)
Category 5
Waste generated in operations(*2)
Consolidated t-CO2 2,034
(▲41.3%)
1,295
(▲36.3%)
1,172
(▲9.5%)
Category 6
Business trip(*4)
Consolidated t-CO2 16,101
(107.6%)
4,163
(▲74.1%)
4,232
(1.7%)
Category 7
Employee commuting(*3)
Group
Domestic
+ Other
t-CO2 10,078
(36.4%)
9,956
(▲1.2%)
6,983
(▲29.9%)
Category 13
Downstream leased assets
Consolidated t-CO2 7,082
(▲6.2%)
6,581
(▲7.1%)
5,821
(▲11.5%)
Category15:investments Group Domestic Please refer to 【Underwriting・Investments】for details *5

(*1)We have revised the boundary from FY2019.

(*2)We have revised the figures in FY2019,FY2020 by improving the accuracy of business activities' data which is the basis of calculation.

(*3) Regarding the amount of activity for employee commuting, the attendance rate is not taken into consideration until 2020, and the attendance rate is taken into consideration from 2021.

(*4) From fiscal 2019, the range of business trips subject to calculation has been changed from only airplanes to all business trips including railroads and taxis.

(*5) Please refer HERE for the Underwriting Investment details

Data on Environmental Burden

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


(Percentage change from the previous year in parenthesis)

Items Coverage Units FY2019 FY2020 FY2021 Third-Party
Assurance
Electricity Consolidated MWh 139,808
(▲1.9%)
133,440
(▲4.6%)
131,255
(▲1.6%)
Heat supply Consolidated GJ 61,806
(▲10.0%)
67,767
(9.6%)
64,867
(▲4.3%)
City gas Consolidated thousand
m3
2,051
(▲24.9%)
1,936
(▲5.6%)
1,952
(0.8%)
Liquefied
Petroleum
Gas
Consolidated t 134
(▲11.2%)
82
(▲38.9%)
47
(▲43.3%)
Heavy oil Consolidated kℓ 55
(8.0%)
40
(▲26.9%)
45
(12.8%)
Kerosene Consolidated kℓ 51
(2.5%)
57
(11.3%)
30
(▲47.4%)
Diesel oil Consolidated kℓ 0.8
(▲89.2%)
0.6
(▲29.2%)
0.6
(2.7%)
Gasoline Consolidated kℓ 7,592
(▲8.9%)
6,410
(▲15.6%)
5,574
(▲13.0%)
Total energy
consumption (*1)
Consolidated MWh 258,022
(▲7.1%)
239,805
(▲7.1%)
228,273
(▲4.8%)
GJ 928,880
(▲7.1%)
863,298
(▲7.1%)
821,784
(▲4.8%)

(*) We have revised the figures in FY2019,FY2020 by improving the accuracy of business activities' data which is the basis of calculation.

(*1) The calculation of the total energy consumption in MWh and GJ is based on unit heat values specified in Japan’s Act on the Rational Use of Energy except for purchased electricity, for which 3.6GJ/MWh is used.


Scope 3 Coverage (major items)

 

(Percentage change from the previous year in parenthesis)

Items Coverage Units FY2019 FY2020 FY2021 Third-Party
Assurance
Paper(*1) Group
Domestic
+ Other
t 13,051
(23.8%)
10,035
(▲23.1%)
9,090
(▲9.4%)
Proportion of paper with forest certification MSI, ADI,
MSI Aioi Life
% 23.7
(85.4%)
28.5
(20.0%)
28.3
(▲0.6%)
Total water use Consolidated thousand
m3
995
(0.5%)
766
(▲23.1%)
707
(▲7.7%)
Disposed waste (*2) Total Consolidated t 9,947
(▲2.1%)
7,818
(▲21.4%)
7,286
(▲6.8%)
Recycled t 4,782
(5.7%)
4,643
(▲2.9%)
4,226
(▲9.0%)
Final disposal amount t 5,165
(▲8.3%)
3,175
(▲38.5%)
3,060
(▲3.6%)
Incinerated t 4,903
(-)
3,034
(▲38.1%)
2,988
(▲1.5%)
Landfilled t 263
(-)
140
(▲46.6%)
72
(▲48.7%)
Business trip(*3) Consolidated thousand
passenger
-km
207,808
(341.0%)
44,498
(▲78.6%)
43,998
(▲1.1%)

(*1) We have revised the boundary from FY2019.
(*2) We have revised the figures in FY2019, FY2020 by improving the accuracy of aggregation.
(*3) We have revised the boundary to include all type of business travel from FY2019.

Renewable Energy Generation

We have installed solar power generation systems in our four major buildings, and are promoting to reduce GHG emissions by using such renewable energy.

(Percentage change from the previous year in parenthesis)

Items Coverage Units FY2019 FY2020 FY2021 Third-Party
Assurance
Energy Generation 5 Buildings (*1) kWh 50,953
(▲11.0%)
54,441
(6.8%)
68,430
(25.7%)
Energy Comsumption (*2) Consolidated kWh 6,499,953
(-)
13,226,441
(103.5%)
18,136,730
(37.1%)
Renewable energy introduction rate Consolidated 4.7 9.9 13.8

(*1) MSI Surugadai bldg. & Surugadai Annex, MSI Osaka Yodoyabashi bldg, ADI Tokyo Customer Center bldg, Tamagawa Training Center

(*2) Renewable energy generation and usage of 12,375,000kWh by renewable energy certificate in FY2021. The 882,000kWh certificate is used across countries.

Cost Effect

Items Coverage Units FY2019 FY2020 FY2021
Electricity
*1
Consolidated thousand
JPY
5,958 ▲402,627 122,348
Gasoline
*2
Consolidated thousand
JPY
▲131,278 ▲252,985 38,885
Copy Paper Group
Domestic +
Other
thousand
JPY
14,163 ▲64,680 ▲28,892

(*) We have revised the figures in FY2019, FY2020 by improving the accuracy of business activities' data which is the basis of calculation.

(*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).

Environmental Approaches through Supply Chain

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.

Items Coverage Units FY2019 FY2020 FY2021
Selection rate of web policy clauses * MSI, ADI % 77.1 77.2 77.6
Number of trees corresponding to the reduced amount of paper MSI, ADI tree 23,311 25,836 24,848

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

ISO 26000 Core Subjects (Community Involvement and Development )

Through our Group's social contribution activities and involvement in and support for community development, companies can help their employees become interested in understanding the community and society, be creative, and be able to build a network with the communities. Based on these ideas, the Group provides our employees with opportunities to take part in social contribution activities, and we have seen the number of participants is increasing. In fiscal 2018, over 70% of employees in Japan joined the social contribution activities. If our employees think it difficult to spare time to physically participate in these activities, they can alternatively make a monetary contribution through the employees' social contribution activity team. The monetary contributions start at 100 yen, and the contributions are withdrawn from their monthly salaries. We also strive to disclose social contribution expenditures, including conversion of social contribution activities.

Items Coverage Units FY2019 FY2020 FY2021
Number of acquirer
of Volunteer leave
MSI, ADI,
MSI Aioi Life
people 6 21 15
Number of acquirer
of Volunteer suspension
MSI, ADI,
MSI Aioi Life
people 1 1 0
Number of employees
engaged in social
contribution activities
Group Domestic people 27,673 26,519 23,024
MS&AD Unison Smile Club
Number of members
Group Domestic people 14,967 14,626 13,971
Disaster Relief
Donation Matching
Gift Program
Donated
amount *1
Consolidated thousand yen 37,673 33,381 16,939
Number of
participants *2
Consolidated people 14,782 13,385 6,245
corporate philanthropic contributions Group Domestic thousand yen 1,622,130 1,211,100 1,100,948
(Breakdown)Purpose Charitable Donations 46,070 42,020 140,543
Community Investments 1,150,530 820,170 626,247
Commercial Initiatives 425,530 348,910 334,158
(Breakdown)Money conversion Cash contributions 1,491,450 1,088,020 976,940
Employee volunteering during paid working hours 7,690 7,760 2,270
In-kind donation, facility opening etc 16,180 15,330 23,860
Management overheads 106,810 99,990 97,878

(*1) Total amount of Donation Matching Gift and Donation from employees

(*2) Total participants

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

Breakdown of employees

Items Coverage   Units FY2019 FY2020 FY2021 Third-Party
Assurance
Number
of
Group
employees
*1

Temporary
employees
are
superscripted
as the average
number of
annual
temporary
hires
in the bracket.
Consolidated male-
female
combined
total
   people 41,563 41,501 39,962
(9,051) (8,615) (8,103)
male 19,686 19,379 18,433
female 21,877 22,122 21,529
Group
domestic
male-
female
combined
total
   32,072 32,002 30,724
(8,362) (7,988) (7,321)
male 15,277 14,960 14,184
female 16,795 17,042 16,540
companies MSI 14,353 14,168 13,453
ADI 13,775 13,933 13,503
MD 552 559 528
MSA 2,588 2,529 2,436
MSP 396 390 403
holding
company
HD 408 423 401
Domestic employees (including group companies) /Consolidated employees % 77.2 77.1 76.8
Overseas male-
female
combined
total
   people 9,236 9,230 8,943
(679) (619) (771)
male 4,214 4,209 4,027
female 5,022 5,021 4,916
Overseas employees/ Consolidated employees % 22.2 22.2 22.4
Others *2 male-
female
combined
total
people 255 269 295
male 195 210 222
female 60 59 73
Other employee/ Consolidated employees % 0.6 0.6 0.7

(*1) The number of employees represents the number of persons in employment, and does not include executive officers and employees on leave.
(*2) Risk-related service businesses operated by the Group Companies other than those in the domestic insurance industry.From 2019, Leadenhall Capital Partners LLPUK will be included in Overseas.

Number of Employees by Age

Items Coverage   Units FY2019 FY2020 FY2021
Number of Employees
by Age
(Group Domestic)
Under 30 male-female
combined total
people 7,019 7,020 6,416
male 2,320 2,322 2,175
female 4,699 4,698 4,241
30~39 male-female
combined total
7,036 7,019 6,852
male 3,057 2,984 2,825
female 3,979 4,035 4,027
40~49 male-female
combined total
8,256 7,856 7,276
male 3,727 3,433 3,106
female 4,529 4,423 4,170
50~59 male-female
combined total
7,847 7,988 7,989
male 4,657 4,652 4,498
female 3,190 3,336 3,491
60+ male-female
combined total
1,914 2,100 2,173
male 1,516 1,554 1,566
female 398 546 607
Others * - 19 18

(*)No further classification due to privacy

Employment

Items Coverage Units FY2019 FY2020 FY2021
Average age *1 Group
domestic
male-female
combined total
age 41.7 41.9 42.3
male 44.6 44.7 44.9
female 39.1 39.4 40.0
Average length
of service
Group
domestic
male-female
combined total
year 13.1 13.4 13.9
male 14.0 14.4 14.9
female 12.3 12.6 13.1
New-graduate recruits *2 Group
domestic
male-female
combined total
people 861 596 459
male 291 208 164
female 570 388 295
Number of mid-career hires *3 Group
domestic
male-female
combined total
people 407 350 190
male 182 120 78
female 225 230 112
Total turnover rate Group
domestic
male-female
combined total
% 3.5 3.4 4.7
Turnover Rate (Voluntary) *4 Group
domestic
male-female
combined total
% 2.8 2.6 3.2
The ratio between the total
annual compensation of the Chief Executive Officer
and the mean employee compensation *5
HD male-female
combined total
times 12.3 12.3 12.1

(*1) The end of March of each year
(*2) The number of new hires in April of each next year
(*3) Number of new employees in fiscal year
(*4) Exclude retirees and are calculated based on voluntary resignees.
(*5) The total CEO Compensation / Average employee salary.

Diversity

We are promoting diversity and inclusion (D&I) initiatives in order to create a working environment where all employees with different backgrounds, characteristics, and values can fully demonstrate their abilities and play active roles. The percentage of females in managerial positions has achieved the 2020 15% target. We have set a new target, aiming for 30% in FY2030.

Items Coverage  Units FY2019 FY2020 FY2021 Third-Party
Assurance
Employment rate and number of employees with disabilities Group domestic 2.43 2.49 2.55
people 727 730 716
Rehiring Program after retirement Number of users
*1
Group domestic people 1,295 1,492 1,650
Percentage and number of
females among board members and corporate
auditors*2
HD Directors 16.7 20.0 27.3
people 2 2 3
Corporate Auditor 50.0 50.0 0.5
people 2 2 2
Percentage and number of
females in managerial
positions*3
Consolidated Total
managerial
positions
20.0 21.30 22.7
people 1,704 1,791 1,843
Group
domestic
General Managers 4.3 5.0 5.3
people 53 63 67
Managers 17.3 18.8 20.6
people 891 954 990
Total
managerial
positions
14.8 16.1 17.5
people 944 1017 1,054
Division that
contributes to sales:
Total
managerial
positions *4
11.9 14.7 15.8
465 539 593

(*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
(*4) Number of sales and insurance payers

Human Rights

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.

Items Coverage Units FY2019 FY2020 FY2021
Trainings of Human rights* Group domestic % 100.0 100.0 100.0

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

Items Coverage Units FY2019 FY2020 FY2021
Labor union membership rate Group domestic % 93.5 93.6 93.4

Human Asset Development

Items Coverage Units FY2019 FY2020 FY2021
Total training hours Group domestic hours - 846,050 954,523
Average training hours per person Group domestic hours - 26.4 31.1
Total training cost Group domestic thousand
JPY
- 1,670,079 1,630,995
Average training cost per person Group domestic JPY - 52,187 53,085
Number of participants of the Trainee System*1 Group domestic people 983 633 1,258
Number of participants of the Global Trainee System*2 Consolidated Total people 92 74 195
Domestic employee 46 0 82
Local employee 46 74 113
Number of participants of the overseas career training program*3 Group domestic people 43 6 7
Number of participants of the Temporary Transfer System to Headquarters from Overseas Branches*4 Consolidated people 15 0 0 *5
Number of actuaries*6 Group
domestic
male-female
combined total
people 111 123 127
male people - 119 123
female people - 4 4
Digital human resources *7 Group domestic people - - 2,179
Global human resources *8 Group domestic people - - 1,129

(*1) Short-term program which allows employees to experience work they have never done before, at the request of the employee.
(*2) Short-term program which allows employees in Japan to experience working at overseas subsidaries, as well as local employees at overseas subsidaries to experience working at the head office.
(*3) MBA dispatch program, and training program which allows employees to experience working for a year at overseas subsidaries or insurance companies.
(*4) 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.

(*5) Number decreased due to immigration restrictions by COVIT19
(*6) 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).

(*7) Employees who can utilize the latest digital technology and data (as of next April 1st of the every fiscal year)

(*8) Employees who have experienced expatriates and potential candidates (as of next April 1st of the every fiscal year)

 

Employee satisfaction *1

Items Coverage Units FY2019 FY2020 FY2021
Employee satisfaction (questionnaire results), ”Pride, Job satisfaction”*2 Group domestic point 4.4 4.4 4.4
Employee satisfaction (questionnaire results), ”Working Vigorously”*3 point 4.5 4.5 4.6

(*1) The results of the opinion poll asking all Group employees (all-employee average on a 6-point scale, Scope: 45,420 all domestic employees including temporary employees at the time of survey, Response rate: 96.0%).
(*2) Ratio of employees feeling pride or job satisfaction
(*3) Ratio of employees, regardless of sex and age, feeling free and lively at workplaces.

Programs for Promoting Work-life Balance

We have been developing an effective system that helps employees actively work with satisfaction and with the feeling of growth by balancing their work and personal life. In particular, we have set KPI for the rate of male employees taking childcare leave, and encouraged them to take part in the program.

Items Coverage*1 Units FY2019 FY2020 FY2021
Temporary leave
before / after childbirth
Number of acquirers
Group
domestic
people 809 737 767
Number of employees taking childcare paid leave Group
domestic
male-female
combined total
people 1,052 937 1,092
male people 286 265 355
female people 766 672 737
Acquisition rate of childcare paid leave Group domestic male-female
combined total
% 86.3 85.9 92.7
male % 64.6 69.0 86.4
female % 98.7 95.0 96.1
Flexible working hours
for childcare
Number of acquirers
Group
domestic
shorter hours people 1,308 1,437 1,246
flextime people 122 132 101
change of Starting
/ finishing time
people 76 94 99
Temporary retirement
for nursing
Number of acquirers
Group
domestic
male-female
combined total
people 18 14 19
male people 1 1 2
female people 17 13 17
Flexible working hours
for nursing
Number of acquirers
Group
domestic
number of
acquirers
people 20 15 21
Paid leave Group
domestic
ratio of days taken*2 % 67.5 68.1 74.3
days taken days 15.6 15.0 16.3

(*1) Includes temporary employees

(*2) Number of days acquired / granted

Occupational Health and Safety (OHS)

In accordance to the Occupational Safety and Health Act, a health committee has been established to research and discuss relevant topics to preventative measures for OHS-related concerns and initiatives to support employees' health. We strive to provide a workplace environment that considers employee's health and safety. In addition, we have a group-wide health checkup system, a health management center, and a consultation room for employees in order to ensure that our employees can maintain their good health even better.

Items Coverage Units FY2019 FY2020 FY2021 Third-Party
Assurance
Number of
claims for
work related
injuries
Group
domestic
Total cases 162 156 189
Work-
related
accident
cases 74 83 78
Accident
during
commute
cases 88 73 111
Fatality
accident
cases 0 0 0
Consultation
rate of
Medical
Checkup*1
Group
domestic
% 100.0 100.0 100.0
Absentee rate*2 Group
domestic
% 0.511 0.433 0.548

(*1) Number of employees undergoing medical checkup consultation / number of employees
(*2) Total days lost due to absenteeism / Total days scheduled to be worked

Underwriting Investments

Products and services that contribute to achieving Sustainable Development Goals (SDGs)

Item Scope FY2021
Products and services that contribute to achieving Sustainable Development Goals (SDGs)※1
<Target Products>
 Products and services that contribute to “Planetary Health”
 Products and services that contribute to “Resilience”
 Products and services that contribute to “Well-being”
Group Domestic+Other about 64%

(※1)Percentage of net premiums written

Green Products and Services that Contribute to “Planetary Health”

Item Scope FY2021
Annual growth rate of green underwriting※1 MSI、ADI 19.98%

(※1)Annual average growth in premiums of insurance products that contribute to planetary health

Greenhouse gas emissions in investment portfolio(Scope3 Category15)

Metodolgies for GHG emission in investment portfolio is under development and has not been well establised yet.  
Our company is upgrading our methodologies in line with developments.
The following table shows the carbon footprints of investee companies. Scope 1 and Scope 2 GHG emissions are calculated through using Trucost's tool for calculating.
We calucated in different manners previously. (FYI please find samples of previous years beneath tables)

(Absolute Unit:kt-CO2e, Intensity Unit:t-CO2e/US$M)
Asset Class 2020※1 2021※2
Stocks Absolute 2,223 2,453
Intensity 111.0 129.5
Corporate bonds Absolute 3,052 2,410
Intensity 148.0 139.5

(Absolute Unit:kt-CO2e, Intensity Unit:t-CO2e/US$M)
Region 2020※1 2021※2
Japan Stocks Absolute 2,122 2,305
Intensity 95.2 110.7
Corporate bonds Absolute 2,513 1,818
Intensity 103.7 87.1
Americas Stocks Absolute 71 114
Intensity 11.8 15.5
Corporate bonds Absolute 305 324
Intensity 30.8 32.4
Asia Stocks Absolute 24 21
Intensity 3.1 2.1
Corporate bonds Absolute 71 140
Intensity 5.3 11.4
Europe Stocks Absolute 5 13
Intensity 1.0 1.2
Corporate bonds Absolute 139 101
Intensity 5.9 6.1
Other Stocks Absolute 0 0
Intensity 0.0 0.0
Corporate bonds Absolute 24 27
Intensity 2.2 2.4

(※1)Calucated in FY2020 using portfolio as of end of March 2020. Coverage for Stock 99%,Corporte Bonnds  56%    
(※2)Calucated in FY2021 using portfolio as of end of March 2021. Coverage for Stock 98%,Corporte Bonnds  68%    
    
<Reference>
Samples of our previous calculations. (Dfferent methodologies applied back then make it impssible for comparisons with above )
・2018 : Stocks3,518,872t-CO2e、223.1t-CO2e/US$1M Corporate bonds3,605,006t-CO2e、410.1t-CO2e/US$1M Coverage for Stock 90%,Corporte Bonnds  83%
・2019 : Stocks3,196,641t-CO2e、198.7t-CO2e/US$1M、Corporate bonds3,670,703t-CO2e、319.7t-CO2e/US$1M Coverage for Stock 83%,Corporte Bonnds  60%