<This page will be updated on July 2022>

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%
(vs. 2009)
(vs. 2009)
(vs. 2009)
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 FY2019 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 – Examples of CSV Initiatives>

Deal with new risks

  • Cyber risk related products and services with enhanced risk management.
  • Insurance coverage package for risks in introducing remote working.
  • Launched "Comprehensive insurance coverage for Mobile Application-based payment service providers".
  • Problem-solving data analysis service for our clients through RisTech (launched in May 2019 with 64 partner companies, and 262 companies considering the service).
  • "Medical receivable insurance coverage" for losses due to insufficient payment by non-insured of public medical insurance.
  • Information related to COVID-19.
  • Consulting services on how to deal with complaints and harassment from customers.

Create mobility society without accidents

  • Participated in research and demonstration experiments to popularize and promote new mobility services, and examined coverage plans and services.
  • Launched 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", Smartphone app for driving skill training, and AD Telematics.)
  • Insurance plans for on-demand transportation operators as well as plans for Maas operators.
  • Encouragement for zero traffic accidents with the introduction of discounts for safe/accident-free driving in line with the concept to realize zero accidents.

Strive for resilient community development

  • Regional revitalization initiatives such as supporting small and medium-sized enterprises, and contributing to solving regional issues and revitalization (461 comprehensive cooperation agreements with local governments, local banks, and credit unions.)
    Examples of products and services:
    Special insurance package for sake brewers. Development of "Nagano model" for regional revitalization through collaboration with local governments and regional financial institutions.
    Examples of local contribution activities:
    List of ideas and attractions for the benefit of local towns. Plug-in hybrid vehicle demonstration sessions. Support for “Online SDGs platform”.
  • Promotion for understanding of the need for coverages for natural disasters through the "Proposal for preparation for natural disasters." Free Navigation services to support safe and secure actions in the event of large-scale natural disasters.

Support “good health and longevity”

  • Health and productivity management insurance package to support corporate health management.
  • Support tools for small and medium-sized enterprises to be certified as an "excellent health management corporation."
  • Introduction of 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.” (October 2019)
  • Provision with information using virtual reality. Seminars on health and medicine (the Life and Medical Seminar).
  • Ashitano Yorokobi 2", package plan with 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

  • Adaptation for natural disasters through development and utilization of climate change risk analysis service and website for real time loss prediction (cmap.dev).
  • Support measures for companies toward the transition to a decarbonized society through products and services that support renewable energy businesses.
  • Special coverage for installation cost of equipment to reduce impact on the environment.
  • Investment on Sustainability Bonds issued by Japan Railway Construction, Transport and Technology Agency.

Strive to improve sustainability of natural capital

  • Consulting service that evaluates impact on natural capital generated by business activities and propose the countermeasures.
  • 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).
  • Symposium related 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”

  • Investment on Sustainable Development Bonds issued by the Inter-American Development Bank
  • Fire insurance specifically for low-income groups in Malaysia to build homes with insurance coverage.
  • Donation for vaccine expenses, which amount is proportional to the number of new "& LIFE" insurance products sold.
  • ”Social Contribution Agreement”, jointly developed with Sumitomo Mitsui Banking Corporation, that enables donations to the Japan Committee for UNICEF and the Japanese Red Cross Society through insurance claim payments etc.

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