Key Performance Indicators (KPI) to Promote Our Sustainability Initiatives

Issues Indicators FY2018
Group Targets
for FY2020
and after
Covered Companies
Creating shared value Development of products and services Table A
find below
Table A
find below
Table A
find below
Acceleration Domestic Group Companies
Quality that earns the trust of society Customer satisfaction survey about insurance contract procedures*1 97.1% 97.7% 97.3% the same level or higher compared to the previous fiscal year Domestic Group Companies
Customer satisfaction survey about payment of insurance claim*1 96.6% 96.6% 96.7% the same level or higher compared to the previous fiscal year MSI,ADI,Mitsui Direct General,MSI Aioi Life
CO2 emission reduction rate(Scope1 and Scope2 combined)*2 ▲12.7% ▲20.7% ▲30.5% Reduce CO2 emissions by 30% by 2020 and by 70% by 2050 versus base year (fiscal 2009) *3 Consolidated
Total energy consumption 1,000,014 GJ 948,583 GJ 871,338 GJ
Paper consumption 10,545t
Lower than the previous fiscal year Domestic Group Companies + Other
Management platforms that enable employees to play active roles Ratio of females in managerial positions 12.4% 14.8% 16.1% 15.0% (FY2020) Domestic Group Companies
Employee satisfaction (questionnaire results), ”Pride, Job satisfaction” 4.4points 4.4points 4.4points the same level or higher compared to the previous fiscal year
Employee satisfaction (questionnaire results), ”Working Vigorously” 4.3points 4.5points 4.5points
Number of annual paid holidays taken 15.6 15.7 15.0
Ratio of taking fully paid paternity/secondary leave 63.9% 64.6% 69.0%
Number of employees practicing social contribution activities 23,601 27,673 26,519

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

(*2) We have revised the figures in FY2018 by improving the accuracy of business activities' data which is the basis of calculation.

(*3)In May 2021, we revised our medium- to long-term targets as follows.

<Table A ; Main Csv Initiative >

Developing and improving our products as part of our initiatives for ‘creating shared value’

* Part of the above classification may include contents which are  different from those of the “Our Value Creation Approach” in this report.

In “Our Value Creation Approach,” we classify these CSV initiatives as they are much easy for everyone to understand.

Deal with new risks

  • Provided cyber risk related products and services with enhanced risk management.
  • Launched "Comprehensive compensation insurance  for Mobile Application-based payment service providers".
  • Launched the problem-solving data analysis service for our clients by RisTech. (Number of the services introduced : 23 companies, Number of companies under consideration: 81)
  • Provision of  "medical receivavle compensation insurance" for members of the Japan Hospital association.
  • Started providing information related to COVID-19.
  • Launched consulting services how to deal with customer harassment and complainer.

Create mobility society without accidents

  • Launched some insurances and services that contribute to accident prevention and safe driving. (Distracted driving prevention support service "FOUR SAFETY", Dashcam and telematics services for fleet policyholders "F-Dora", automobile insurance "TOUGH Observe and Protect Automobile Insurance Plus" and Smartphone app for driving skill training.)
  • Developed and provided dedicated insurances for operators of on-demand transportation  and for Maas operators.
  • Promoted motivation for no accident by newly introducing long-term excellent discounts and no accident discounts based on the concept of "accident-free realization".

Strive for resilient community development

  • Promoted regional revitalization initiatives such as supporting small and medium-sized enterprises and contributing to solving regional issues and revitalization through comprehensive cooperation agreements with local governments, local banks, credit unions. (Number of SDGs seminars for small and medium-sized enterprises: 55)
    <Examples of providing products and services>
    Developed dedicated insurance for sake makers and establishment of "Nagano model" through collaboration with local governments and regional financial institutions
    <Examples of local contribution activities>
    Provided menus to enhance attractiveness of local towns, and held demonstrations of electric supply function to Plug-in Hybrid Vehicles.
  • Promoted understanding of the need for compensation for natural disasters through the "Proposal for preparation of natural disasters" and provided information about the compensation, and provided navigation services free of charge to support safe and secure actions in the event of large-scale natural disasters.

Support “good health and longevity”

  • Providied support tools for small and medium-sized enterprises to be certified as an "excellent health management corporation".
  • Introduced the insurance premium discount system for general welfare group term life insurance without dividend to organizations certified by the Ministry of Economy, Trade and Industry as "good health management corporations".
  • Provide information through seminars and VRs related to health and medical (Number of participants in "Life and Medical Seminars": 14,379).
  • Launched "Ashitano Yorokobi 2", four types of lump-sum payment Tontine annuities including the industry's first fixed-term annuity with a lifetime of coverage.

Contribute to climate change mitigation and adaptation

  • Adapted natural disasters through development and utilization of climate change risk analysis service and website for real time loss prediction (
  • Implemented support measures for companies toward the transition to decarbonized society by providing products and services that support renewable energy businesses.
  • Invested in Sustainability Bond issued by Japan Railway Construction, Transport and Technology Agency.

Strive to improve sustainability of natural capital

  • Provided consulting services that evaluate impact on natural capital generated by business activities and propose the countermeasures.
  • Conducted joint research with Kumamoto City on the creation of the green resilience map (creating regional information data to utilize natural capital for disaster prevention and regional revitalization).
  • Held the symposium ralated to advanced cases of Western countries that support natural capital that contributes to disaster prevention and reduction through insurance and financial schemes.

Work toward realization of “leaving no one behind”

  • Developed the dedicated fire insurance to help poor classes to build homes with insurance cover in Malaysia.
  • Donated amount linked to the number of "& LIFE" insurances as vaccine expenses.
  • Jointly developed the "Social Contribution Clause" with Sumitomo Mitsui Banking Corporation which is able to be donated to Japan Committee for UNICEF and the Japanese Red Cross Society through insurance claim payments etc. in September.

Medium- to Long-term Target

■The following targets have been set for reducing CO2 emissions.

< CO2 Emission Reduction >


Base Year Target Year Rate of Reduction
FY 2019 FY 2030 ▲50%
FY 2050 Net Zero


●Scope3(Newly established in FY 2021)

Base Year Target Year Rate of Reduction Target Categories
FY 2019 FY 2030 ▲50% 1、3、5、7、13 *1・2
FY 2050 Net Zero All categories

*1:Categories quantifiable and with importance in light of employee behavior change and natural capital conservation.

Category 1: Purchased products and services (Subject: Paper and mail), 3: Non-scope 1 and 2 fuel and energy activities, 5: Waste from operations, 7: Employee commuting, 13: Lease assets

*2:Setting medium-term goals for investment (Category 15) is under consideration.


< Renewable Energy Use >

●Targets for renewable energy usage ratio

Target Year Target rate
FY 2030 60%
FY 2050 100%


■As for the promotion of diversity and inclusion, the following goals are set.

●Group target for the ratio of female managers (Subject: 5 domestic insurance companies + HD )

  30% by the end of FY 2030

●Group target for the ratio of women in charge of overseeing the organization (Subject: 5 domestic insurance

  companies + HD )

  15% by the end of FY 2030

●Ratio of women among management team (Subject: HD)

 ・Ratio of women among board members (Directors and Corporate Auditors)

  More than 30% by 2025

 ・Ratio of women among Directors, Corporate Auditors and Executive Officers

  30% or more by the end of FY 2030

●Percentage of male employees taking childcare leave (Subject: MSI)

  80% by 2021