Linkage with GRI Guideline

We are featuring our unique approaches in the MS&AD Insurance Group Sustainability Report 2024.
For your reference, links to information that is not stated in the Sustainability Report 2024 but are on the websites of the Group companies is provided below.

Statement of use	MS&AD Insurance Group determines which pieces of information on sustainability need to be disclosed in reference to the GRI Standards. We have reported the information cited in this GRI index for April 1, 2023 to March 31, 2024. *Additionally, some activities beyond April 2024 are also included in the report.

GRI 1 used	GRI 1: Foundation 2021

GRI Standards	Disclosure			Location
GRI 2: General Disclosures 2021	1. The organization and its reporting practices
	2-1: Organizational details
		a. Report its legal name		Company Overview
		a. Report its legal name		Editorial Policy
		b. Report its nature of ownership and legal form		Stock Overview
		c. Report the location of its headquarters		Company Overview
		d. Report its countries of operation		MS&AD Integrated Report 2024 P.113-114 (PDF)
	2-2: Entities included in the organization’s sustainability reporting
		a. List all its entities included in its sustainability reporting		ESG Data / Reference Material
				MS&AD Integrated Report 2024 P.105-115 (PDF)
		b. If the organization has audited consolidated financial statements or financial information filed on public record, specify the differences between the list of entities included in its financial reporting and the list included in its sustainability reporting		ESG Data / Reference Material
				MS&AD Integrated Report 2024 P.105-115 (PDF)
		c. If the organization consists of multiple entities, explain the approach used for consolidating the information, including: i. whether the approach involves adjustments to information for minority interests ii. how the approach takes into account mergers, acquisitions, and disposal of entities or parts of entities iii. whether and how the approach differs across the disclosures in this Standard and across material topics		ESG Data / Reference Material
				MS&AD Integrated Report 2024 P.105-115 (PDF)
	2-3: Reporting period, frequency and contact point
		a. Specify the reporting period for, and the frequency of, its sustainability reporting		Editorial Policy
		b. Specify the reporting period for its financial reporting and, if it does not align with the period for its sustainability reporting, explain the reason for this		Securities Report (in Japanese only) *The disclosure items that differ from the securities report are documented in the notes of each item in ESG Data / Reference Material
		c. Report the publication date of the report or reported information		Editorial Policy
		d. Specify the contact point for questions about the report or reported information		Editorial Policy
	2-4: Restatements of information
		a. Report restatements of information made from previous reporting periods and explain: i. the reasons for the restatements ii. the effect of the restatements		Published on each page
	2-5: External assurance
		a. Describe its policy and practice for seeking external assurance, including whether and how the highest governance body and senior executives are involved		Third-Party Assurance
		b. If the organization’s sustainability reporting has been externally assured: i. provide a link or reference to the external assurance report(s) or assurance statement(s) ii. describe what has been assured and on what basis, including the assurance standards used, the level of assurance obtained, and any limitations of the assurance process iii. describe the relationship between the organization and the assurance provider		Third-Party Assurance
	2. Activities and workers
	2-6: Activities, value chain and other business relationships
		a. Report the sector(s) in which it is active		Scale
				Five Business Domains
				MS&AD Integrated Report 2024 (P.7-8)
		b. Describe its value chain, including i. the organization’s activities, products, services, and markets served		Our Business
				MS&AD Integrated Report 2024 (P.7-8)
		ii. the organization’s supply chain		Communication with Stakeholders
		iii. the entities downstream from the organization and their activities		Communication with Stakeholders
		c. Report other relevant business relationships		Scale
		d. Describe significant changes in 2-6-a, 2-6-b, and 2-6-c compared to the previous reporting period.		History
	2-7: Employees
		a. Report the total number of employees, and a breakdown of this total by gender and by region		Company Overview Group Structure ESG Data / Reference Material
		b. Report the total number of i. permanent employees, and a breakdown by gender and by region ii. temporary employees, and a breakdown by gender and by region iii. non-guaranteed hours employees, and a breakdown by gender and by region iv. full-time employees, and a breakdown by gender and by region v. part-time employees, and a breakdown by gender and by region		ESG Data / Reference Material
		c. Describe the methodologies and assumptions used to compile the data, including whether the numbers are reported i. in head count, full-time equivalent (FTE), or using another methodology; ii. at the end of the reporting period, as an average across the reporting period, or using another methodology		ESG Data / Reference Material
		d. Report contextual information necessary to understand the data reported under 2-7-a and 2-7-b		Securities Report (in Japanese only)
		e. Describe significant fluctuations in the number of employees during the reporting period and between reporting periods		ESG Data / Reference Material
	2-8: Workers who are not employees
		a. Report the total number of workers who are not employees and whose work is controlled by the organization and describe i. the most common types of worker and their contractual relationship with the organization ii. the type of work they perform		ESG Data / Reference Material
		b. Describe the methodologies and assumptions used to compile the data, including whether the number of workers who are not employees is reported i. in head count, full-time equivalent (FTE), or using another methodology ii. at the end of the reporting period, as an average across the reporting period, or using another methodology		ESG Data / Reference Material
		c. Describe significant fluctuations in the number of workers who are not employees during the reporting period and between reporting periods		ESG Data / Reference Material
	3. Governance
	2-9: Governance structure and composition
		a. Describe its governance structure, including committees of the highest governance body		Green Resilience Report (Governance)
				Organizational Structure to Promote Sustainability
				Corporate Governance
		b. List the committees of the highest governance body that are responsible for decisionmaking on and overseeing the management of the organization’s impacts on the economy, environment, and people		Green Resilience Report (Governance)
				Organizational Structure to Promote Sustainability
				Corporate Governance
		c. Describe the composition of the highest governance body and its committees by i. executive and non-executive members ii. Independence iii. tenure of members on the governance body iv. number of other significant positions and commitments held by each member, and the nature of the commitments v. gender vi. under-represented social groups vii. competencies relevant to the impacts of the organization viii. stakeholder representation		Corporate Governance Corporate Governance Report
	2-10: Nomination and selection of the highest governance body
		a. Describe the nomination and selection processes for the highest governance body and its committees		Corporate Governance Corporate Governance Report
		b. Describe the criteria used for nominating and selecting highest governance body members, including whether and how the following are taken into consideration i. views of stakeholders (including shareholders) ii. Diversity iii. Independence iv. competencies relevant to the impacts of the organization		Corporate Governance Corporate Governance Report
	2-11: Chair of the highest governance body
		a. Report whether the chair of the highest governance body is also a senior executive in the organization		Corporate Governance Report
		b. If the chair is also a senior executive, explain their function within the organization’s management, the reasons for this arrangement, and how conflicts of interest are prevented and mitigated		-
	2-12: Role of the highest governance body in overseeing the management of impacts
		a. Describe the role of the highest governance body and of senior executives in developing, approving, and updating the organization’s purpose, value or mission statements, strategies, policies, and goals related to sustainable development		Green Resilience Report (Governance)
				Organizational Structure to Promote Sustainability
				Corporate Governance
b. Describe the role of the highest governance body in overseeing the organization’s due diligence and other processes to identify and manage the organization’s impacts on the economy, environment, and people, including i. whether and how the highest governance body engages with stakeholders to support these processes ii. how the highest governance body considers the outcomes of these processes		Green Resilience Report (Governance)
		Organizational Structure to Promote Sustainability
		Corporate Governance
c. Describe the role of the highest governance body in reviewing the effectiveness of the organization’s processes as described in 2-12-b, and report the frequency of this review.		Corporate Governance
2-13: Delegation of responsibility for managing impacts
	a. Describe how the highest governance body delegates responsibility for managing the organization’s impacts on the economy, environment, and people, including i. whether it has appointed any senior executives with responsibility for the management of impacts ii. whether it has delegated responsibility for the management of impacts to other employees;		Green Resilience Report (Governance)
			Organizational Structure to Promote Sustainability
			Corporate Governance
	b. Describe the process and frequency for senior executives or other employees to report back to the highest governance body on the management of the organization’s impacts on the economy, environment, and people		Green Resilience Report (Governance)
			Organizational Structure to Promote Sustainability
			Corporate Governance
2-14: Role of the highest governance body in sustainability reporting
	a. Report whether the highest governance body is responsible for reviewing and approving the reported information, including the organization’s material topics, and if so, describe the process for reviewing and approving the information		Green Resilience Report (Governance)
			Organizational Structure to Promote Sustainability
			Corporate Governance
	b. If the highest governance body is not responsible for reviewing and approving the reported information, including the organization’s material topics, explain the reason for this		-
2-15: Conflicts of interest
	a. Describe the processes for the highest governance body to ensure that conflicts of interest are prevented and mitigated		Corporate Governance
	b. Report whether conflicts of interest are disclosed to stakeholders, including, at a minimum, conflicts of interest relating to i. cross-board membership ii. cross-shareholding with suppliers and other stakeholders iii. existence of controlling shareholders iv. related parties, their relationships, transactions, and outstanding balances		Shareholders Meeting
2-16: Communication of critical concerns
	a. Describe whether and how critical concerns are communicated to the highest governance body		Green Resilience Report (Governance)
			Organizational Structure to Promote Sustainability
			Corporate Governance
	b. Report the total number and the nature of critical concerns that were communicated to the highest governance body during the reporting period.		-
2-17: Collective knowledge of the highest governance body
	a. Report measures taken to advance the collective knowledge, skills, and experience of the highest governance body on sustainable development.		Corporate Governance
2-18: Evaluation of the performance of the highest governance body
	a. Describe the processes for evaluating the performance of the highest governance body in overseeing the management of the organization’s impacts on the economy, environment, and people		Corporate Governance
	b. Report whether the evaluations are independent or not, and the frequency of the evaluations		Corporate Governance
	c. Describe actions taken in response to the evaluations, including changes to the composition of the highest governance body and organizational practices		Corporate Governance
2-19: Remuneration policies
	a. Describe the remuneration policies for members of the highest governance body and senior executives, including i. fixed pay and variable pay ii. sign-on bonuses or recruitment incentive payments ⅲ.termination payments iv. Clawbacks v. retirement benefits		Corporate Governance
	b. Describe how the remuneration policies for members of the highest governance body and senior executives relate to their objectives and performance in relation to the management of the organization’s impacts on the economy, environment, and people		Corporate Governance
2-20: Process to determine remuneration
	a. Describe the process for designing its remuneration policies and for determining remuneration, including i. whether independent highest governance body members or an independent remuneration committee oversees the process for determining remuneration ii. how the views of stakeholders (including shareholders) regarding remuneration are sought and taken into consideration iii. whether remuneration consultants are involved in determining remuneration and, if so, whether they are independent of the organization, its highest governance body and senior executives		Corporate Governance
	b. Report the results of votes of stakeholders (including shareholders) on remuneration policies and proposals, if applicable.		-
2-21: Annual total compensation ratio
	a. Report the ratio of the annual total compensation for the organization’s highest-paid individual to the median annual total compensation for all employees(excluding the highest-paid individual)		ESG Data / Reference Material
	b. Report the ratio of the percentage increase in annual total compensation for the organization’s highest-paid individual to the median percentage increase in annual total compensation for all employees (excluding the highest-paid individual)		-
	c. Report contextual information necessary to understand the data and how the data has been compiled		Securities Report (in Japanese only)
4. Strategy, policies and practices
2-22: Statement on sustainable development strategy
	a. Report a statement from the highest governance body or most senior executive of the organization about the relevance of sustainable development to the organization and its strategy for contributing to sustainable development		CEO Message Our Sustainability Approach
2-23: Policy commitments
	a. Describe its policy commitments for responsible business conduct, including i. the authoritative intergovernmental instruments that the commitments reference ii. whether the commitments stipulate conducting due diligence iii. whether the commitments stipulate applying the precautionary principle iv. whether the commitments stipulate respecting human rights		Basic Policies on Corporate Governance MS&AD Insurance Group Basic Policy for Responding to Customer Communications Quality that Earns the Trust of Society Implementing Activities and Dialog that Respect Human Rights (Basic Policy on Human Rights) Implementing Activities and Dialog that Respect Human Rights (UK Modern Slavery Act 2015 MS&AD Holdings)
	b. Describe its specific policy commitment to respect human rights, including i. the internationally recognized human rights that the commitment covers ii. the categories of stakeholders, including at-risk or vulnerable groups, that the organization gives particular attention to in the commitment		Implementing Activities and Dialog that Respect Human Rights (Basic Policy on Human Rights) Implementing Activities and Dialog that Respect Human Rights (UK Modern Slavery Act 2015 MS&AD Holdings)
	c. Provide links to the policy commitments if publicly available, or, if the policy commitments are not publicly available, explain the reason for this		Implementing Activities and Dialog that Respect Human Rights (Basic Policy on Human Rights) Implementing Activities and Dialog that Respect Human Rights (UK Modern Slavery Act 2015 MS&AD Holdings)
	d. Report the level at which each of the policy commitments was approved within the organization, including whether this is the most senior level		Implementing Activities and Dialog that Respect Human Rights (Basic Policy on Human Rights) Implementing Activities and Dialog that Respect Human Rights (UK Modern Slavery Act 2015 MS&AD Holdings)
	e. Report the extent to which the policy commitments apply to the organization’s activities and to its business relationships		Implementing Activities and Dialog that Respect Human Rights
	f. Describe how the policy commitments are communicated to workers, business partners, and other relevant parties		Implementing Activities and Dialog that Respect Human Rights
2-24: Embedding policy commitments
	a. Describe how it embeds each of its policy commitments for responsible business conduct throughout its activities and business relationships, including i. how it allocates responsibility to implement the commitments across different levels within the organization ii. how it integrates the commitments into organizational strategies, operational policies, and operational procedures iii. how it implements its commitments with and through its business relationships iv. training that the organization provides on implementing the commitments		Organizational Structure to Promote Sustainability Compliance Implementing Activities and Dialog that Respect Human Rights Quality that Earns the Trust of Society
2-25: Processes to remediate negative impacts
	a. Describe its commitments to provide for or cooperate in the remediation of negative impacts that the organization identifies it has caused or contributed to		MS&AD Insurance Group Basic Policy for Responding to Customer Communications
	b. Describe its approach to identify and address grievances, including the grievance mechanisms that the organization has established or participates in		Implementing Activities and Dialog that Respect Human Rights
			Compliance
			Quality that Earns the Trust of Society
	c. Describe other processes by which the organization provides for or cooperates in the remediation of negative impacts that it identifies it has caused or contributed to		Implementing Activities and Dialog that Respect Human Rights
	d. Describe how the stakeholders who are the intended users of the grievance mechanisms are involved in the design, review, operation, and improvement of these mechanisms		Quality that Earns the Trust of Society
	e. Describe how the organization tracks the effectiveness of the grievance mechanisms and other remediation processes, and report examples of their effectiveness, including stakeholder feedback		The websites of each group company
2-26: Mechanisms for seeking advice and raising concerns
	a. Describe the mechanisms for individuals to i. seek advice on implementing the organization’s policies and practices for responsible business conduct ii. raise concerns about the organization’s business conduct		Implementing Activities and Dialog that Respect Human Rights Compliance
2-27: Compliance with laws and regulations
	a. Report the total number of significant instances of non-compliance with laws and regulations during the reporting period, and a breakdown of this total by i. instances for which fines were incurred ii. instances for which non-monetary sanctions were incurred		The Group's Response to Actions Related to the Adjustment of Insurance Premiums (in Japanese only)
	b. Report the total number and the monetary value of fines for instances of noncompliance with laws and regulations that were paid during the reporting period, and a breakdown of this total by i. fines for instances of non-compliance with laws and regulations that occurred in the current reporting period ii. fines for instances of non-comp
	c. Describe the significant instances of non-compliance
	d. Describe how it has determined significant instances of non-compliance
2-28: Membership associations
	a. Report industry associations, other membership associations, and national or international advocacy organizations in which it participates in a significant role		Initiatives and External Assessment
5. Stakeholder engagement
2-29: Approach to stakeholder engagement
	a. Describe its approach to engaging with stakeholders, including i. the categories of stakeholders it engages with, and how they are identified		Communication with Stakeholders
	ii. the purpose of the stakeholder engagement		Communication with Stakeholders
	iii. how the organization seeks to ensure meaningful engagement with stakeholders		Communication with Stakeholders
2-30: Collective bargaining agreements
	a. Report the percentage of total employees covered by collective bargaining agreements		ESG Data / Reference Material (Human Rights) (Labor Practices)
	b. For employees not covered by collective bargaining agreements, report whether the organization determines their working conditions and terms of employment based on collective bargaining agreements that cover its other employees or based on collective bargaining agreements from other organizations		-
GRI 3: Material Topics 2021	3-1: Process to determine material topics
		a. Describe the process it has followed to determine its material topics, including i. how it has identified actual and potential, negative and positive impacts on the economy, environment, and people, including impacts on their human rights, across its activities and business relationships ii. how it has prioritized the impacts for reporting based on their significance		MS&AD's Story of Value Creation and Business Models
		b. Specify the stakeholders and experts whose views have informed the process of determining its material topics		-
	3-2: List of material topics
		a. List its material topics		Priority Issues
		b. Report changes to the list of material topics compared to the previous reporting period		-
	3-3: Management of material topics
		a.Describe the actual and potential, negative and positive impacts on the economy, environment, and people, including impacts on their human rights		Priority Issues
		b. Report whether the organization is involved with the negative impacts through its activities or as a result of its business relationships, and describe the activities or business relationships		ESG Intergration and Sustainability Approach
		c. Describe its policies or commitments regarding the material topic		Our Sustainability Approach
				Basic Policies on Corporate Governance
		d. Describe actions taken to manage the topic and related impacts, including i. actions to prevent or mitigate potential negative impacts ii. actions to address actual negative impacts, including actions to provide for or cooperate in their remediation iii. actions to manage actual and potential positive impacts		ESG Intergration and Sustainability Approach
				Risk Management
		e. Report the following information about tracking the effectiveness of the actions taken i. processes used to track the effectiveness of the actions		ESG Intergration and Sustainability Approach
				Risk Management
		ii. goals, targets, and indicators used to evaluate progress		Targets (KPI) and Results
		iii. the effectiveness of the actions, including progress toward the goals and targets		Targets (KPI) and Results
		iv.lessons learned and how these have been incorporated into the organization’s operational policies and procedures		ESG Intergration and Sustainability Approach
				Risk Management
		f. Describe how engagement with stakeholders has informed the actions taken (3-3-d) and how it has informed whether the actions have been effective (3-3-e)		ESG Intergration and Sustainability Approach
				Communication with Stakeholders

GRI Standards	Item		Corresponding Sections
GRI101：Biodiversity 2024	101-1	Policies to halt and reverse biodiversity loss	Green Resilience Report (Strategy)
	101-2	Management of biodiversity impacts	Green Resilience Report (Strategy)
	101-3	Access and benefit-sharing	-
	101-4	Identification of biodiversity impacts	Green Resilience Report (Strategy)
	101-5	Locations with biodiversity impacts	Green Resilience Report (Strategy)
	101-6	Direct drivers of biodiversity loss	Green Resilience Report (Strategy)
	101-7	Changes to the state of biodiversity	Green Resilience Report (Strategy)
	101-8	Ecosystem services	Green Resilience Report (Strategy)
GRI 201: Economic Performance 2016	201-1	Direct economic value generated and distributed	Financial and Non-Financial Highlights MS&AD Integrated Report P.10 Disaster Relief Donation Matching Gift Program Initiatives to be Promoted in Cooperation with Our Stakeholders
	201-2	Financial implications and other risks and opportunities due to climate change	Risk Management Climate-related Financial Disclosure
	201-3	Defined benefit plan obligations and other retirement plans	Securities Report (in Japanese only)
	201-4	Financial assistance received from government	-
GRI 202: Market Presence 2016	202-1	Ratios of standard entry level wage by gender compared to local minimum wage	-
GRI 202: Market Presence 2016	202-2	Proportion of senior management hired from the local community	-
GRI 203: Indirect Economic Impacts 2016	203-1	Infrastructure investments and services supported	Creation of a Resilient and Inclusive Society (Regional Revitalization) Initiatives to Realize an Inclusive Society through Support for Athletes
GRI 203: Indirect Economic Impacts 2016	203-2	Significant indirect economic impacts	-
GRI 204: Procurement Practices 2016	204-1	Proportion of spending on local suppliers	-
GRI 205: Anti-corruption 2016	205-1	Operations assessed for risks related to corruption	Compliance
	205-2	Communication and training about anti-corruption policies and procedures	Compliance
	205-3	Confirmed incidents of corruption and actions taken	-
GRI 206: Anti-competitive Behavior 2016	206-1	Legal actions for anti-competitive behavior, anti-trust, and monopoly practices	-
GRI 207: Tax 2019	207-1	Approach to tax	Tax Governance
	207-2	Tax governance, control, and risk management	Tax Governance
	207-3	Stakeholder engagement and management of concerns related to tax	Tax Governance
	207-4	Country-by-country reporting	Tax Governance
GRI 301: Materials 2016	301-1	Materials used by weight or volume	ESG Data / Reference Material (Data on Environmental Burden)
	301-2	Recycled input materials used	-
	301-3	Reclaimed products and their packaging materials	-
GRI 302: Energy 2016	302-1	Energy consumption within the organization	ESG Data / Reference Material (Data on Environmental Burden)
	302-2	Energy consumption outside of the organization	ESG Data / Reference Material (Data on Environmental Burden)
	302-3	Energy intensity	－
	302-4	Reduction of energy consumption	Reduction of the Environment Burden ESG Data / Reference Material (Data on Environmental Burden)
	302-5	Reductions in energy requirements of products and services	ESG Data / Reference Material (Data on Environmental Burden)
GRI 303: Water and Effluents 2018	303-1	Interactions with water as a shared resource	-
	303-2	Management of water discharge-related impacts	-
	303-3	Water withdrawal	-
	303-4	Water discharge	-
	303-5	Water consumption	ESG Data / Reference Material (Data on Environmental Burden)
GRI 305: Emissions 2016	305-1	Direct (Scope 1) GHG emissions	ESG Data / Reference Material (Greenhouse Gas (GHG) Emissions in Business Activities)
	305-2	Energy indirect (Scope 2) GHG emissions	ESG Data / Reference Material (Greenhouse Gas (GHG) Emissions in Business Activities)
	305-3	Other indirect (Scope 3) GHG emissions	ESG Data / Reference Material (Greenhouse Gas (GHG) Emissions in Business Activities)
	305-4	GHG emissions intensity	-
	305-5	Reduction of GHG emissions	ESG Data / Reference Material (Greenhouse Gas (GHG) Emissions in Business Activities)
	305-6	Emissions of ozone-depleting substances (ODS)	-
	305-7	Nitrogen oxides (NOX), sulfur oxides (SOX), and other significant air emissions	-
GRI 306: Waste 2020	306-1	Waste generation and significant waste-related impacts	-
	306-2	Management of significant waste-related impacts	-
	306-3	Waste generated	ESG Data / Reference Material (Data on Environmental Burden)
	306-4	Waste diverted from disposal	ESG Data / Reference Material (Data on Environmental Burden)
	306-5	Waste directed to disposal	ESG Data / Reference Material (Data on Environmental Burden)
GRI 308: Supplier Environmental Assessment 2016	308-1	New suppliers that were screened using environmental criteria	-
GRI 308: Supplier Environmental Assessment 2016	308-2	Negative environmental impacts in the supply chain and actions taken	-
GRI 401: Employment 2016	401-1	New employee hires and employee turnover	ESG Data / Reference Material (Human Rights) (Labor Practices)
	401-2	Benefits provided to full-time employees that are not provided to temporary or part-time employees	-
	401-3	Parental leave	ESG Data / Reference Material (Human Rights) (Labor Practices) DE&I Report
GRI 402: Labor/Management Relations 2016	402-1	Minimum notice periods regarding operational changes	-
GRI 403: Minimum notice periods regarding operational changes 2018	403-1	Occupational health and safety management system	Employee Well-being (Creating Safety-conscious Workplaces)
	403-2	Hazard identification, risk assessment, and incident investigation	-
	403-3	Occupational health services	-
	403-4	Worker participation, consultation, and communication on occupational health and safety	-
	403-5	Worker training on occupational health and safety	-
	403-6	Promotion of worker health	Employee Well-being (Promotion of diverse and flexible working styles)
	403-7	Prevention and mitigation of occupational health and safety impacts directly linked by business relationships	-
	403-8	Workers covered by an occupational health and safety management system	Employee Well-being (Creating Safety-conscious Workplaces)
	403-9	Work-related injuries	ESG Data / Reference Material (Human Rights) (Labor Practices)
	403-10	Work-related ill health	-
GRI 404: Training and Education 2016	404-1	Average hours of training per year per employee	ESG Data / Reference Material (Human Rights) (Labor Practices)
	404-2	Programs for upgrading employee skills and transition assistance programs	Employee Well-being (Maximization of Ability, Skill and Motivation of Employees) DE&I Report
	404-3	Percentage of employees receiving regular performance and career development reviews	-
GRI 405: Diversity and Equal Opportunity 2016	405-1	Diversity of governance bodies and employees	Diversity, Equity & Inclusion DE&I Report ESG Data / Reference Material (Human Rights) (Labor Practices)
GRI 405: Diversity and Equal Opportunity 2016	405-2	Ratio of basic salary and remuneration of women to men	ESG Data / Reference Material (Human Rights) (Labor Practices)
GRI 406: Non-discrimination 2016	406-1	Incidents of discrimination and corrective actions taken	-
GRI 407: Freedom of Association and Collective Bargaining 2016	407-1	Operations and suppliers in which the right to freedom of association and collective bargaining may be at risk	-
GRI 408: Child Labor 2016	408-1	Operations and suppliers at significant risk for incidents of child labor	-
GRI 409: Forced or Compulsory Labor 2016	409-1	Operations and suppliers at significant risk for incidents of forced or compulsory labor	-
GRI 410: Security Practices 2016	410-1	Security personnel trained in human rights policies or procedures	-
GRI 411: Rights of Indigenous Peoples 2016	411-1	Incidents of violations involving rights of indigenous peoples	-
GRI 413: Local Communities 2016	413-1	Operations with local community engagement, impact assessments, and development programs	Creation of a Resilient and Inclusive Society (Regional Revitalization) Initiatives to Realize an Inclusive Society through Support for Athletes MS&AD Integrated Report P.18
GRI 413: Local Communities 2016	413-2	Operations with significant actual and potential negative impacts on local communities	-
GRI 414: Supplier Social Assessment 2016	414-1	New suppliers that were screened using social criteria	-
GRI 414: Supplier Social Assessment 2016	414-2	Negative social impacts in the supply chain and actions taken	-
GRI 415: Public Policy 2016	415-1	Political contributions	ESG Data / Reference Material (Political Donations)
GRI 416: Customer Health and Safety 2016	416-1	Assessment of the health and safety impacts of product and service categories	-
GRI 416: Customer Health and Safety 2016	416-2	Incidents of non-compliance concerning the health and safety impacts of products and services	-
GRI 417: Marketing and Labeling 2016	417-1	Requirements for product and service information and labeling	Quality Improvement through Communications with Stakeholders
	417-2	Incidents of non-compliance concerning product and service information and labeling	-
	417-3	Incidents of non-compliance concerning marketing communications	-
GRI 418: Customer Privacy 2016	418-1	Substantiated complaints concerning breaches of customer privacy and losses of customer data	-

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