Linkage with Core Subjects in ISO26000

Core subjects Issues Items
Governance Issue1: Organizational Governance Corporate Governance
ESG Data / Reference Material ISO 26000 Core Subjects (Organizational Governance)
MS&AD Green Resilience Report (Governance)
Implementing Activities and Dialog that Respect Human Rights
Human Rights Issue 1: Due diligence Implementing Activities and Dialog that Respect Human Rights
Quality that Earns the Trust of Society (Quality Improvement through Communications with Stakeholders)
Issue 2: Human rights risk situations Implementing Activities and Dialog that Respect Human Rights (Basic Policy on Human Rights)
ESG integration and sustainability approach
Issue 3: Avoidance of complicity Quality that Earns the Trust of Society (Basic Policy on Human Rights)
ESG integration and sustainability approach
Quality that Earns the Trust of Society (Quality Improvement through Communications with Stakeholders)
Issue 4: Resolving grievances Implementing Activities and Dialog that Respect Human Rights (Implementing Activities and Dialog that Respect Human Rights)
Quality that Earns the Trust of Society (Quality Improvement through Communications with Stakeholders)
Implementing Activities and Dialog that Respect Human Rights (Reporting System from Employees (Speak-up System))
Issue 5: Discrimination and vulnerable groups Implementing Activities and Dialog that Respect Human Rights
Employee Well-being (Diversity, Equity & Inclusion)
ESG Data / Reference Material (ISO 26000 Core Subjects (Human Rights) (Labor Practices))
Creation of a resilient and inclusive society (regional revitalization) (Ongoing Support in Line with the Characteristics of Regions and Regional Industries)
Issue 6: Civil and Political Rights Implementing Activities and Dialog that Respect Human Rights (Implementing Activities and Dialog that Respect Human Rights)
Issue 7: Economic, Social and Cultural Rights Implementing Activities and Dialog that Respect Human Rights
Issue 8: Fundamental Principles and rights at work Implementing Activities and Dialog that Respect Human Rights
Labor Practices Issue 1: Employment and employment relationships Implementing Activities and Dialog that Respect Human Rights (Promotion of a Sound Relationship with the Labor Union)
Employee Well-being (Diversity, Equity & Inclusion)
Implementing Activities and Dialog that Respect Human Rights (Consideration for employee health and a workplace environment free of discrimination)
ESG Data / Reference Material (ISO 26000 Core Subjects (Human Rights) (Labor Practices))
Issue 2: Conditions of work and social protection Implementing Activities and Dialog that Respect Human Rights
Employee Well-being (Promotion of Health and Productivity Management)
Issue 3: Social dialogue Implementing Activities and Dialog that Respect Human Rights (Promotion of a Sound Relationship with the Labor Union)
Employee Well-being (Promotion of Health and Productivity Management)
Issue 4: Health and safety at work Communication with Stakeholders (Employees)
Employee Well-being (Promotion of Health and Productivity Management)
Implementing Activities and Dialog that Respect Human Rights (Reporting System from Employees (Speak-up System))
Implementing Activities and Dialog that Respect Human Rights (Harassment Consulting Desk)
Issue 5: Human development and training in the workplace Employee Well-being (Improvement of employee engagement)
ESG Data / Reference Material (ISO 26000 Core Subjects (Human Rights) (Labor Practices))
Environment Issue 1: Prevention of pollution Improvement of sustainability of natural capital
Reduction of the Environment Burden
Issue 2: Sustainable resource use Improvement of sustainability of natural capital
Reduction of the Environment Burden
Improvement of sustainability of natural capital (Environmental Conservation Initiatives within the Group)
Reduction on environmental burden (Initiatives to be Promoted in Cooperation with Our Stakeholders)
Issue 3: Climate change mitigation and adaptation Our Sustainability Approach
Targets (KPI) and Results
ESG integration and sustainability approach
Action on Climate Change
Climate/Nature-related Financial Disclosure
Improvement of sustainability of natural capital
ESG integration and sustainability approach (Signatory to the Principles for Sustainable Insurance (PSI) and the Principles for Responsible Investment (PRI))
ESG Data / Reference Material (ISO 26000 Core Subjects (Environment))
Issue 4: Protection of the environment, biodiversity and restoration of natural habitats ESG integration and sustainability approach
Improvement of sustainability of natural capital
Climate/Nature-Related Financial Disclosure
Improvement of sustainability of natural capital (Preserving Conserving Biodiversity through Partnerships and Industry-Academia Collaboration)
Improvement of sustainability of natural capital (Environmental Conservation Initiatives within the Group)
Fair Operating Practices Issue 1: Anti-corruption Compliance
Issue 2: Responsible political involvement Compliance
Issue 3: Fair competition Compliance
Issue 4: Promoting social responsibility in the value chain Communication with Stakeholders (Business Partners)
Transaction Responsibilities
Reduction on environmental burden (Initiatives to be Promoted in Cooperation with Our Stakeholders)
Issue 5: Respect for property rights Compliance
ERM and Risk Management (Identification and Management of Risks)
Consumer Issues Issue 1: Fair marketing, factual and unbiased information and fair contractual practices Quality that Earns the Trust of Society (Quality Improvement through Communications with Stakeholders)
Quality that Earns the Trust of Society (Initiatives to enhance customer convenience in obtaining policies)
Creation of a resilient and inclusive society (regional revitalization) (Provision of easy-to-understand information)
Issue 2: Protecting consumers’ health and safety Creation of a resilient and inclusive society (regional revitalization)
Loss Prevention/Mitigation through the Utilization of Data and AI
Issue 3: Sustainable consumption ESG Integration and Sustainability Approach (Development of Products and Services with Consideration for ESG)
Products and services that contribute to sustainability
Reduction on environmental burden (Initiatives to be Promoted in Cooperation with Our Stakeholders)
Issue 4: Consumer service, support, and complaint and dispute resolution Quality that Earns the Trust of Society (Quality Improvement through Communications with Stakeholders)
Quality that Earns the Trust of Society (Schemes for Receiving Feedback from Customers)
Issue 5: Consumer data protection and privacy Information Management
Issue 6: Access to essential services Creation of a resilient and inclusive society (regional revitalization) (Provision of easily comprehensible information)
Quality that Earns the Trust of Society (Initiatives to enhance customer convenience in obtaining policies)
Issue 7: Education and awareness Quality that Earns the Trust of Society (Meeting the Trust of Society with High Quality)
Quality that Earns the Trust of Society (Initiatives to enhance customer convenience in obtaining policies)
ESG Data / Reference Material (ISO 26000 Core Subjects (Consumer Issues))
Community Involvement and Development Issue 1: Community involvement MS&AD Green Earth Project
Creation of a resilient and inclusive society (regional revitalization) (Social Contribution Activities)
Creation of a resilient and inclusive society (regional revitalization) (Disaster donations and volunteer activities)
Improvement of sustainability of natural capital (Environmental Conservation Initiatives within the Group)
Issue 2: Education and culture Products and Services that Support Customer Well-being (Financial Inclusion)
Creation of a resilient and inclusive society (regional revitalization) (Affixing of Bell Marks to insurance products)
Issue 3: Employment creation and skills development Employee Well-being (Diversity, Equity & Inclusion)
Creation of a resilient and inclusive society (regional revitalization) (Ongoing Support in Line with the Characteristics of Regions and Regional Industries)
Issue 4: Technology development and access Loss Prevention/Mitigation through the Utilization of Data and AI
Creation of a resilient and inclusive society (regional revitalization)
Issue 5: Wealth and income creation Measures to Address New Risks Occurring in Line with Social Changes (Providing Research and Information on New Risks)
Creation of a resilient and inclusive society (regional revitalization) (Ongoing Support in Line with the Characteristics of Regions and Regional Industries)
Products and Services that Support Customer Well-being
Issue 6: Health Products and Services that Support Customer Well-being 
Issue 7: Social investment Measures to Address New Risks Occurring in Line with Social Changes (Joint research with universities)
Products and Services that Support Customer Well-being
Products and Services that Support Customer Well-being
ESG Intergration and Sustainability Approach (ESG Investment and loan)
Creation of a resilient and inclusive society (regional revitalization) (Social Contribution Activities)
Initiatives and External Assessment
ESG Data / Reference Material (ISO 26000 Core Subjects (Community Involvement and Development) )