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

Subject period:
FY2023 (April 1, 2023 - March 31, 2024) For Overseas insurance subsidiaries, FY2023 (Jan 1, 2023 - Dec 31, 2023) 

Subject organizations and data coverage:

* Domestic group companies operating such as risk-related services

As a company with an 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.

*1 Board members average tenure 4.1years

*2 Outside directors average tenure 4.0years

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

*1 Outside Directors　average attendance rate 100%. All directors average attendance rate 100％　（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 2023, 164 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.

*1: Online "Terms & Conditions" in consideration of environment
*2: We have revised the coverage to add Mitsui Sumitomo Aioi Life Insurance and MSI Primary Life to FY2023 figure. FY2022 coverage is MSI and ADI.

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/*2:The calculation method has been changed from FY2023
*3: Short-term program which allows employees to experience work they have never done before, at the request of the employee.
*4: 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.
*5: MBA dispatch program, and training program which allows employees to experience working for a year at overseas subsidiaries or insurance companies.
*6: 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.
*7: Number decreased due to immigration restrictions by COVID-19 
*8: 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).
*9: Employees who can utilize the latest digital technology and data (as of next April 1 of every fiscal year)
*10: Employees who have experienced expatriates and potential candidates (as of next April 1 of every fiscal year)
*11: Added this item in July 2024. The results of FY2020 are as follows;
Total Revenue (million yen):4,892,244 / Total Operating Expenses (million yen):1,612,667 / Total employeerelated expenses (million yen):330,484 / Human Capital ROI (times):10.9
*12: Total Revenue-(Total Operating Expenses-Total employeerelated expenses)/Total employeerelated expenses

Employee satisfaction *1

*1: The results of the opinion poll asking all Group employees (all-employee average on a 6-point scale, Scope: 42,518 all domestic employees including temporary employees at the time of survey, Response rate: 96.1%).
*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

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 FY2021 using portfolio as of end of March 2021. Coverage for Stock 99%, Corporte Bonds 69%, Total 98.6％.
*2: Calculated in FY2022 using portfolio as of end of March 2022. Coverage for Stock 99%, Corporte Bonds 67%, Business loans 48%, Total 98.4％.
*3: Calculated in FY2023 using portfolio as of end of March 2023. Coverage for Stock 99%,Corporte Bonds 97%, Business loans 95%. Total 97.6％.