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:

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 72.9% 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

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.

Directors (as of 23 June 2025)

Chairperson of the Board

Chairman
(except holding concurrent post of President)

Number of Directors

13 (*1)

Number of Outside Directors

7 (*2)

Number of independent Directors

7 (*3)

Number and ratio of women at the Board of Directors

4 / 30.8%

(*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

Corporate Auditors (as of 23 June 2025)

Number of Directors Who Are Audit and Supervisory Committee Members

3

Number of Full-time Directors Who Are Audit and Supervisory Committee Members

1

Number of Outside Directors Who Are Audit and Supervisory Committee Members

2

Number of independent Directors Who Are Audit and Supervisory Committee Members

2

Number and ratio of women in Directors Who Are Audit and Supervisory Committee Members

1 / 33.3%

Nomination and Remuneration

Number of Meetings of Board of Directors etc.

Function FY2024
Business Execution, Oversight Board of Directors 14 (*1)
Governance Committee 4
Group Management Committee 13
Task-Specific Committees
Sustainability Committee 4
Quality Improvement and Compliance Committee 5
Digitalization Committee 4
Group Systems Committee 12
Group International Business Committee 3
Risk Management Committee 7
Group standardization Committee 3
Auditing, Oversight Board of Auditors 11 (*2)

(*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%

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
93,530,000
- Share Unit Number
(100 shares)
Shares with Full Voting Right
(others)
Common Stock
1,511,213,000
15,112,130 Same as above
Fractional Shares Common Stock
3,655,708
- Fractional Shares
(Less than 100 shares)
Total number of Outstanding Shares 1,608,398,708 - -
Total number of Vote - 15,112,130 -

Political Donations*1

*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

Amount of Contributions to Initiatives

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

Reporting on Breaches

Items Coverage FY2023 FY2024
Corruption or Bribery Consolidated 0 0
Conflicts of Interest 0 0
Money Laundering or Insider trading 0 0

* Number of reports to the meeting

Speak-Up System (Whistleblowing System)

Items Coverage Units FY2022 FY2023 FY2024
Number of cases reported *1 Consolidated cases 298 333 315 *2

*1 Including Consultation

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

 

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.

Indicators FY2022
Achievement
FY2023
Achievement
FY2024
Achievement
Customer satisfaction survey about insurance contract procedures 98.0% 98.0% 97.6%
Customer satisfaction survey about payment of insurance claim 95.7% 96.1% 95.0%

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

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 FY2022 FY2023 FY2024 Third-Party
Assurance
GHG emissions
(Scope1,2,3)
Consolidated t-CO2 189,989
(▲4.2%)
187,177
(▲1.5%)
178,706
(▲4.5%)
GHG emissions
(Scope 1)
Group
Domestic
+ Other
t-CO2 14,102
(▲5.5%)
12,439
(▲11.8%)
11,204
(▲9.9%)
Consolidated t-CO2 16,804
(▲4.4%)
15,589
(▲7.2%)
14,370
(▲7.8%)
GHG emissions
(Scope 2)
Group
Domestic
+ Other
t-CO2 45,263
(▲12.3%)
38,965
(▲13.9%)
37,093
(▲4.8%)
Consolidated t-CO2 47,956
(▲11.0%)
41,634
(▲13.2%)
38,744
(▲6.9%)
GHG emissions
(Scope 1 and Scope 2 combined)
Group
Domestic
+ Other
t-CO2 59,364
(▲10.8%)
51,404
(▲13.4%)
48,297
(▲6.0%)
Consolidated t-CO2 64,760
(▲9.4%)
57,222
(▲11.6%)
53,114
(▲7.2%)
GHG emissions
(Scope 3)
Consolidated t-CO2 125,229
(▲1.3%)
129,955
(3.8%)
125,593
(▲3.4%)

GHG Emissions (Scope 3)


(Percentage change from the previous year in parenthesis)

Items Coverage Units FY2022 FY2023 FY2024 Third-Party
Assurance
Category 1
Purchased goods and services *1
Group
Domestic
+ Other
t-CO2 41,509
(▲5.4%)
39,607
(▲4.6%)
38,379
(▲3.1%)
Category 2
Capital goods
Consolidated t-CO2 48,107
(▲5.3%)
48,766
(1.4%)
46,626
(▲4.4%)
Category 3
Fuel- and energy-related activities
(not included in Scope 1 or Scope 2)
Consolidated t-CO2 12,744
(▲9.2%)
11,760
(▲7.7%)
10,911
(▲7.2%)
Category 5
Waste generated in operations
Consolidated t-CO2 1,568
(33.8%)
1,498
(▲4.5%)
1,108
(▲26.0%)
Category 6
Business trip
Consolidated t-CO2 9,115
(115.4%)
15,232
(67.1%)
15,495
(1.7%)
Category 7
Employee commuting
Group
Domestic
+ Other
t-CO2 6,712
(▲3.9%)
7,733
(15.2%)
7,693
(▲0.5%)
Category 13
Downstream leased assets
Consolidated t-CO2 5,473
(▲6.0%)
5,360
(▲2.1%)
5,381
(0.4%)
Category15:investments Group Domestic Please refer to 【Underwriting・Investments】for details *2

*1: Subject: Paper and mail
*2: 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 FY2022 FY2023 FY2024 Third-Party
Assurance
Electricity Consolidated MWh 124,892
(▲4.8%)
114,653
(▲8.2%)
109,597
(▲4.4%)
Heat supply Consolidated GJ 61,824
(▲4.7%)
58,699
(▲5.1%)
58,795
(0.2%)
City gas Consolidated thousand
m3
1,955
(0.1%)
1,997
(2.2%)
2,081
(4.2%)
Liquefied
Petroleum
Gas
Consolidated t 51
(10.5%)
11
(▲78.2%)
16
(42.6%)
Heavy oil Consolidated kℓ 40
(▲11.6%)
41
(3.5%)
32
(▲23.3%)
Kerosene Consolidated kℓ 24
(▲21.4%)
16
(▲31.9%)
16
(0.1%)
Diesel oil Consolidated kℓ 0.6
(7.4%)
0.5
(▲12.9%)
0.5
(▲15.5%)
Gasoline Consolidated kℓ 5,237
(▲6.0%)
4,938
(▲5.7%)
4,335
(▲12.2%)
Total energy
consumption *
Consolidated MWh 217,863
(▲4.6%)
202,038
(▲7.3%)
190,005
(▲6.0%)
GJ 784,307
(▲4.6%)
727,336
(▲7.3%)
684,019
(▲6.0%)

*: 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 FY2022 FY2023 FY2024 Third-Party
Assurance
Paper usage Group
Domestic
+ Other
t 8,301
(▲8.7%)
7,646
(▲7.9%)
6,913
(▲9.6%)
Proportion of paper with forest certification MSI, ADI, Mitsui Direct General,
MSI Primary Life
% 34.4
(21.7%)
32.6
(▲5.1%)
36.2
(10.9%)
Total water usage Consolidated thousand
m3
683
(▲3.4%)
690
(1.1%)
638
(▲7.6%)
Disposed waste Total Consolidated t 8,760
(20.2%)
7,752
(▲11.5%)
6,112
(▲21.2%)
Recycled t 5,498
(30.1%)
4,558
(▲17.1%)
3,581
(▲21.4%)
Final disposal amount t 3,262
(6.6%)
3,193
(▲2.1%)
2,530
(▲20.8%)
Incinerated t 3,173
(6.2%)
3,153
(▲0.6%)
2,488
(▲21.1%)
Landfilled t 89
(23.6%)
41
(▲54.3%)
43
(4.8%)
Business trip Consolidated thousand
passenger
-km
108,917
(147.6%)
159,721
(46.6%)
185,315
(16.0%)

Renewable Energy Generation

We have installed solar power generation systems in our ten domestic buildings, and are promoting to reduce GHG emissions by using these renewable energy.

(Percentage change from the previous year in parenthesis)

Items Coverage Units FY2022 FY2023 FY2024 Third-Party
Assurance
Energy Generation 10 Buildings *1 kWh 91,134
(33.2%)
136,169
(49.4%)
131,731
(▲3.3%)
Energy Consumption *2 Consolidated kWh 26,393,327
(45.5%)
26,426,580
(0.1%)
29,584,944
(12.0%)
Renewable energy introduction rate Consolidated 21.1% *3
(52.9%)
23.0 ※3
(9.1%)
27.0
(17.1%)

*1:  MSI Surugadai bldg. & Surugadai Annex, Tamagawa Training Center, MSI Osaka Yodoyabashi bldg, MSI Kooriyama bldg, MSI Omiya Higashi-cho bldg, MSI Okayama bldg, MSI Kanazawa Building, MSI Takamatsu Building, ADI Tokyo Customer Center 

*2: Includes power generation from renewable energy sources and use of renewable energy certificates. Note that 574,000kWh of  the certificates are issued under multi-countries.
*3: Correction made on August, 2023  Before correction:24.1  After correction:21.1

 

Carbon Credit

Items Coverage Units FY2022 FY2023 FY2024
Voluntary Credit 1entity *
(Business travel offset)
t 150 106 0

*: MS Amlin

Cost Effect

Items Coverage Units FY2022 FY2023 FY2024
Electricity *1 Consolidated thousand
JPY
▲247,086 ▲373,343 ▲182,937
Gasoline *2 Consolidated thousand
JPY
▲57,121 ▲52,318 ▲106,843
Copy Paper Group
Domestic +
Other
thousand
JPY
▲80,187 10,525 ▲15,265

*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 *2 Units FY2022 FY2023 FY2024
Ratio of Web Policy Clause * MSI, ADI, MSI Aioi Life, MSI Primary Life % 80.3 84.7 89.2
Number of trees corresponding to the reduced amount of paper MSI, ADI, MSI Aioi Life, MSI Primary Life tree 26,897 29,958 31,400

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

ISO 26000 Core Subjects (Community Involvement and Development)

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.

Items Coverage Units FY2022 FY2023 FY2024
Number of acquirer
of Volunteer leave
MSI, ADI, MD,
MSI Aioi Life
people 3 20 2
Number of acquirer
of Volunteer suspension
MSI, ADI,
MSI Aioi Life
people 0 0 0
Number of employees
engaged in social
contribution activities
Group Domestic people 22,553 21,231 21,406
Disaster Relief
Donation Matching
Gift Program
Donated
amount *1
Group Domestic thousand yen 25,092 64,238 46,709
Number of
participants *2
Group Domestic people 9,213 19,006 16,853
Corporate philanthropic contributions Group Domestic thousand yen 1,287,754 1,387,288 1,416,362
(Breakdown)Purpose Charitable Donations 41,146 62,848 36,490
Community Investments 870,053 922,873 786,274
Commercial Initiatives 376,555 401,567 593,598
(Breakdown)Money conversion Cash contributions 1,227,540 1,321,214 1,367,467
Employee volunteering during paid working hours 90 750 420
In-kind donation, facility opening etc 13,180 13,210 13,120
Management overheads 46,944 52,114 35,354

*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 FY2022 FY2023 FY2024 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 38,584 38,391 38,247
(7,177) (6,448) (5753)
male 17,718 17,373 17,269
female 20,866 21,018 20,949
Group
domestic
male-
female
combined
total
   29,030 28,456 27,894
(6,414) (5,706) (5081)
male 13,298 12,692 12,388
female 15,732 15,764 15,506
companies MSI 12,572 12,143 12,093
ADI 12,741 12,502 11,977
Mitsui Direct General 498 536 523
MSI Aioi Life 2,391 2,410 2,441
MSI Primary Life 410 415 407
holding
company
HD 418 450 453
Domestic employees (including group companies) /Consolidated employees % 75.2 74.1 72.9
Overseas male-
female
combined
total
   people 9,217 9,558 9,888
(717) (675) (614)
male 4,172 4,417 4,577
female 5,045 5,141 5,282
Overseas employees/ Consolidated employees % 23.9 24.9 25.9
Others *2 male-
female
combined
total
people 337 377 465
male 248 264 304
female 89 113 161
Other employees/ Consolidated employees % 0.9 1.0 1.2

*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. From 2019, Leadenhall Capital Partners LLPUK will be included Overseas.

Number of Employees by Age

Items Coverage   Units FY2022 FY2023 FY2024
Number of Employees
by Age
(Group Domestic)
Under 30 male-female
combined total
people 5,491 4,984 4,778
male 1,881 1,724 1,835
female 3,610 3,260 2,943
30~39 male-female
combined total
6,682 6,742 6,616
male 2,734 2,644 2,495
female 3,948 4,098 4,121
40~49 male-female
combined total
6,772 6,576 6,439
male 2,820 2,660 2,598
female 3,952 3,916 3,841
50~59 male-female
combined total
7,730 7,655 7,527
male 4,226 3,991 3,789
female 3,504 3,664 3,738
60 and above male-female
combined total
2,334 2,481 2,516
male 1,621 1,659 1,657
female 713 822 859
Others * 21 18 18

*: No further classification due to privacy

Employment

Items Coverage Units FY2022 FY2023 FY2024
Average age *1 Group
domestic
male-female
combined total
age 42.8 43.1 43.2
Group
domestic
male 45.3 45.5 45.3
Group
domestic
female 40.7 41.2 41.6
Average length
of service
Group
domestic
male-female
combined total
year 14.2 14.4 14.7
Group
domestic
male 15.0 15.1 15.3
Group
domestic
female 13.5 13.8 14.2
New-graduate recruits *2 Group
domestic
male-female
combined total
people 460 675 729
Group
domestic
male 194 367 408
Group
domestic
female 266 308 321
Number of experienced hires *3 Group
domestic
male-female
combined total
people 309 859 680
Group
domestic
male 173 348 319
Group
domestic
female 136 511 361
Total turnover rate Group
domestic
male-female
combined total
% 5.4 4.4 4.5
Turnover Rate (Voluntary) *4 Group
domestic
male-female
combined total
% 3.5 3.3 3.3
The ratio between the total annual compensation of the Chief Executive Officer and the mean employee compensation Total annual compensation of the Chief Executive Officer HD male-female
combined total
million JPY 127 139 134
Mean employee compensation JPY 11,013,816 11,013,096 11,435,904
Ratio times 11.5 12.6 11.7

*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.

 

Efforts to Promote a Workplace Where Everyone Can Thrive

Our group’s domestic insurance companies are committed to fostering an environment where all employees, regardless of their diverse backgrounds, personalities, and values, can thrive and contribute to their fullest potential. Having achieved the target of 15% female representation in managerial roles by FY 2020, we have set a new goal to increase this to 30% by FY2030, and continue to actively promote related initiatives.

Items Coverage  Units FY2022 FY2023 FY2024 Third-Party
Assurance
Employment rate and number of employees with disabilities*1 Group domestic 2.59 2.63 2.71
people 702 702 763
Rehiring Program after retirement Number of users
*2
Group domestic people 1,795 1,947 2,097
Percentage and number of
females among board members and corporate
auditors*3
HD Board members 27.3 27.3 27.3
people 3 3 3
Corporate Auditors 50.0 50.0 50.0
people 2 2 2
Percentage and number of
females in managerial
positions*4
Consolidated General Managers 17.4 20.0 22.2
people 338 407 404
Managers 27.0 28.6 29.8
people 1,641 1,783 2,068
Total
managerial
positions
24.7 26.5 28.2
people 1,976 2,188 2,472
Group domestic General Managers 6.5 8.4 9.3
people 78 100 89
Managers 22.9 24.9 26.4
people 1,060 1,178 1,399
Total
managerial
positions
19.5 21.6 23.8
people 1,138 1,278 1,488
Division that
contributes to sales:
Total
managerial
positions *5
18.5 19.8 21.7
people 651 693 759
Percentage and number of females in non-managerial positions Group domestic - 65.4 65.7
people - 14,628 14,619
Percentage of females in STEM-related departments*6 Group domestic
+Overseas
- 27.1 25.4
Percentage of women among employees who were promoted*7 Group domestic - 65.9 66.9

*1: June 1st of each next year
*2:Number of people newly or consecutively re-employed.
*3: Approved at shareholders meeting held each next fiscal year.

*4: As of April 1st next fiscal year for Group Domestic. As of December 31st for Overseas insurance subsidiaries
*5: Number of sales and insurance payers
*6: Number of sales and insurance payers
*7: STEM (Science, Technology, Engineering, Mathematics) related departments

Wages of Employees

Items Coverage Units FY2022 FY2023 FY2024 Third-Party
Assurance
Gender wage gap *1 Group
domestic
companies MSI *2 All employees % 43.6 46.3 48.8
Full-time employees % 50.7 53.0 55.7
Non-full-time employees % 30.6 32.7 30.7
ADI *3 All employees % 52.8 55.2 58.6
Full-time employees % 56.7 58.6 62.0
Non-full-time employees % 65.5 64.4 64.7
Mitsui Direct General *4 All employees % 61.9 63.6 65.8
Full-time employees % 56.3 56.3 61.4
Non-full-time employees % 65.7 80.1 77.0
MSI Aioi Life *5 All employees % 56.0 58.8 63.4
Full-time employees % 56.1 58.8 63.5
Non-full-time employees % 44.0 45.8 43.4
MSI Primary Life *6 All employees % 64.9 69.1 72.9
Full-time employees % 64.3 68.3 73.0
Non-full-time employees % 84.9 72.5 39.4
holding
company
HD *7 All employees % 65.1 64.7 66.0
Full-time employees % 65.7 63.0 63.7
Non-full-time employees % 84.1 91.2 90.3

*1: Female's wage / Male's wage (Wages do not include commuting expenses)                    
*2: Excludes seconded employees (But includes employees seconded from other companies whose wages are paid by MSI) ; Full-time: excludes executive officers and directors; Non-full-time: excludes temporary employees, but includes insurance consultants, directors and professional employees (industrial physicians, highly skilled professionals, etc.)
*3: Excludes seconded employees; Full-time: excluding executive officers and including directors; Non-full-time: excluding temporary employees.
*4: Excludes seconded employees; Full-time: excluding executive officers and including directors; Non-full-time: excluding temporary employees.
*5: Excludes seconded employees; Full-time: excluding executive officers, directors and senior managers, including career LC employees; Non-full-time: excluding temporary employees, including directors, senior managers and LC employees.
*6:  Excludes seconded employees (But includes employees seconded from other companies whose wages are paid by
MSI Primary Life); Full-time: excluding executive officers and advisors; Non-full-time: excluding temporary employees.
*7: All employees are seconded from subsidiaries, etc.; Full-time: excluding executive officers, Non-full-time: excluding temporary employees

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 FY2022 FY2023 FY2024
Human rights seminars* 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 FY2022 FY2023 FY2024
Labor union membership rate Group domestic % 93.8 93.7 93.2

Human Asset Development

Items Coverage Units FY2022 FY2023 FY2024
Total training hours*1 Group domestic hours 1,402,280 1,580,536 1,675,054
Average training hours per person*2 Group domestic hours 48.3 55.5 60.1
Total training cost*3 Group domestic thousand
JPY
2,575,357 1,279,462 1,258,126
Average training cost per person*4 Group domestic JPY 88,714 44,963 45,104
Number of participants of the Trainee System*5 Group domestic people 539 645 2,590*6
Number of participants of the Global Trainee System*7 Consolidated Total people 190 129 124
Domestic employee 90 60 65
Local employee 100 69 59
Number of participants of the overseas career training program*8 Group domestic people 30 40 40
Number of participants of the Temporary Transfer System to Headquarters from Overseas Branches*9 Consolidated people 4 9 10
Number of actuaries*10 Group
domestic
male-female
combined total
people 135 145 142
male people 130 138 136
female people 5 7 6
Digital human resources*11 Group domestic people 3,601 5,814 8,490
Global human resources *12 Group domestic people 1,182 1,189 1,243

*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

Items Coverage Units FY2022 FY2023 FY2024
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 4.7 4.7 4.7

*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.

Programs for Promoting Work-life Balance

Items Coverage *1 Units FY2022 FY2023 FY2024 Third-Party
Assurance
Temporary leave
before / after childbirth
Number of acquirers
Group
domestic
people 833 733 829
Number of employees taking childcare paid leave Group
domestic
male-female
combined total
people 1,143 1,013 1,093
male 383 311 340
female 760 702 753
Acquisition rate of childcare paid leave Group
domestic
male-female
combined total
% 97.0 96.4 97.7
male 92.5 89.9 93.2 ✓ *2
female 99.5 99.6 99.9
Flexible working hours
for childcare
Number of acquirers
Group
domestic
shorter hours people 1,303 1,292 1,308
flextime 112 140 184
change of Starting
/ finishing time
191 157 165
Employee retention rate one year after taking childcare leave Group
domestic
% - 64.5 39.5
Temporary retirement
for nursing
Number of acquirers
Group
domestic
male-female
combined total
people 23 22 18
male 3 2 1
female 20 20 17
Flexible working hours
for nursing
Number of acquirers
Group
domestic
number of
acquirers
people 43 24 37
Paid leave Group
domestic
ratio of days taken*3 % 74.6 75.1 77.0
days taken days 16.4 16.4 16.9

*1: Includes temporary employees

*2: Third-Party Assurance has been obtained since FY2022 

      Number of employees who took childcare leave/Number of the employees whose spouses gave birth

*3: 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 FY2022 FY2023 FY2024 Third-Party
Assurance
Number of
claims for
work related
injuries
Group
domestic
Total cases 208 204 170
Work-
related
accident
cases 79 72 52
Accident
during
commute
cases 128 132 118
Fatality
accident
cases 1 0 0
Consultation
rate of
Medical
Checkup*1
Group
domestic
% 100.0 100.0 100.0
Absentee rate*2 Group
domestic
% 0.599 0.534 0.589

*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

Premium Income of Products that Contribute to a Decarbonized and Circular Economy and Products which Help Improve the Resilience of Society

Item Scope Unit FY2023 FY2024
Premiums of Products that contribute to a decarbonized and circular economy and products which help improve the resilience of society* MSI、ADI million yen
(%)*
205,883
(4.8%)
300,695
(6.4%)

*:Percentage of net premium written

Products that Contribute to a Decarbonized and Circular Economy

Item Scope FY2022 FY2023 FY2024
Premium growth rate of products which contribute to decarbonization and circular economy MSI、ADI 17.9% 24.5% 20.6%

Products which Help Improve the Resilience of Society

Item Scope FY2022 FY2023 FY2024
Rate of increase in the number of underwritten policies for products which help improve the resilience of society MSI、ADI 29.4% 17.6% 25.0%

Greenhouse Gas Emissions in Investment Portfolio(Scope3 Category15)

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.

(Absolute Unit:kt-CO2e, Intensity Unit:t-CO2e/US$M)
Asset Class FY2022 *1 FY2023 *2 FY2024 *3
Stocks Absolute 2,302 2,111 2,111
Intensity 114.5 100.1 99.6
Corporate bonds Absolute 2,400 1,944 1,463
Intensity 221.5 152.2 135.4
Business
Loans
Absolute 286.451 225 199
Intensity 273.2 184.3 217.3

(Absolute Unit:kt-CO2e, Intensity Unit:t-CO2e/US$M)
Region FY2022 *1 FY2023 *2 FY2024 *3
Japan Stocks Absolute 2,124 2,009 2,010
Intensity 87.5 85.5 84.6
Corporate bonds Absolute 1,589 1,428 1,021
Intensity 117.7 88.1 76.2
Business Loans Absolute 247.0 204.9 182
Intensity 224.1 165.6 196.9
Americas Stocks Absolute 141 77 70
Intensity 23.4 10.7 12.5
Corporate bonds Absolute 499 301 241
Intensity 77.0 45.4 39.9
Business Loans Absolute 39.4 20.3 17
Intensity 48.8 18.7 20.3
Asia Stocks Absolute 32 21 26
Intensity 3.2 2.7 2.1
Corporate bonds Absolute 130 83 84
Intensity 17.9 9.3 10.3
Business Loans Absolute 0.4 0.0 0
Intensity 0.0 0.0 0.0
Europe Stocks Absolute 5 3 3
Intensity 0.3 0.0 0.2
Corporate bonds Absolute 75 85 85
Intensity 6.4 6.7 6.7
Business Loans Absolute 0.1 0.0 0
Intensity 0.2 0.0 0.2
Other Stocks Absolute 1 0 1
Intensity 0.0 0.0 0.1
Corporate bonds Absolute 108 47 31
Intensity 2.4 4.0 2.3
Business Loans Absolute 0.0 0.0 0
Intensity 0.0 0.0 0.0

(Absolute Unit:kt-CO2e, Intensity Unit:t-CO2e/US$M)
Industry (GICS Code) FY2022*1 FY2023*2 FY2024*3
Energy (10) Stocks Absolute 128 111 163
Intensity 3.9 2.7 5.3
Corporate bonds Absolute 426.9 244.6 172
Intensity 42.2 21.4 13.0
Business
Loans
Absolute 15 2 0
Intensity 12.8 1.3 0.4
Materials (15) Stocks Absolute 981 838 810
Intensity 36.7 36.1 35.3
Corporate bonds Absolute 738 598 450
Intensity 38.7 30.7 27.4
Business
Loans
Absolute 80 58 55
Intensity 48.2 29.4 37.6
Industrials (20) Stocks Absolute 562 564 527
Intensity 29.6 28.0 25.6
Corporate bonds Absolute 177 194 171
Intensity 21.6 18.7 19.6
Business
Loans
Absolute 40 37 31
Intensity 28.0 21.4 27.5
Consumer Discretionary (25) Stocks Absolute 245 232 241
Intensity 9.4 8.0 9.2
Corporate bonds Absolute 48 45 41
Intensity 5.0 4.0 3.3
Business
Loans
Absolute 2 3 3
Intensity 5.4 4.0 3.7
Consumer Staples (30) Stocks Absolute 83 146 134
Intensity 3.0 4.0 3.4
Corporate bonds Absolute 82 87 74
Intensity 6.8 5.3 5.4
Business
Loans
Absolute 7 5 4
Intensity 1.7 4.0 3.6
Health Care (35) Stocks Absolute 12 8 7
Intensity 2.1 1.3 0.9
Corporate bonds Absolute 11 5 6
Intensity 2.3 1.3 1.0
Business
Loans
Absolute 2 1 1
Intensity 4.6 1.3 1.6
Financials (40) Stocks Absolute 13 11 13
Intensity 0.8 1.3 0.8
Corporate bonds Absolute 57 33 29
Intensity 3.0 2.7 2.8
Business
Loans
Absolute 7 10 11
Intensity 10.0 12.0 24.0
Information Technology (45) Stocks Absolute 49 46 44
Intensity 3.9 4.0 3.7
Corporate bonds Absolute 31 30 19
Intensity 3.3 4.0 3.1
Business
Loans
Absolute 1 1 1
Intensity 1.9 0.0 0.9
Communication Services (50) Stocks Absolute 5 4 3
Intensity 0.6 0.0 0.4
Corporate bonds Absolute 10 10 10
Intensity 1.6 1.3 1.4
Business
Loans
Absolute 2 3 2
Intensity 2.0 2.7 2.4
Utilities (55) Stocks Absolute 215 148 160
Intensity 23.6 13.4 13.9
Corporate bonds Absolute 813 693 486
Intensity 95.1 61.4 55.6
Business
Loans
Absolute 128 106 90
Intensity 153.9 98.8 110.4
Real Estate (60) Stocks Absolute 9 4 9
Intensity 0.8 0.0 1.0
Corporate bonds Absolute 7 5 6
Intensity 1.9 1.3 2.8
Business
Loans
Absolute 2 3 2
Intensity 4.8 9.3 5.2

*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%.