Key Performance Indicators (KPI) to Promote Our Sustainability Initiatives

Materiality Metrics Group Targets
Planetary Health GHG emissions reduction rate
（Scope 1＋2）		 FY2030 ▲50％
vs FY2019

FY2050 Net Zero
GHG emissions reduction rate
（Scope 3）		 FY2030 ▲50％
vs FY2019
Category :1、3、5、６、7、13

FY2050 Net Zero
Category :All Categories
Renewable energy usage rate FY2030　60％
FY2050 100％
Premium growth rate of products which contribute to decarbonization and circular economy FY2025　
Annual average of 18 %
Resilience Rate of increase in the number of underwritten policies　forproducts which help improve the resilience of society FY2025　
Annual average of 20%
Instances of support for the resolution of issues faced by regional companies
(Consulting services, training/seminars)		 FY2025　
10,000 instances a year
Well-Being Number of policies in force for products which help solve health-related social issues FY 2025 2.6 million
Number of policies in force for asset-building products to support longevity FY 2025 0.1 million
Instances of support for action by companies to address human rights
(Consulting services, training/seminars)		 1,000 instances a year
Employee Awareness Survey Equal to or greater than the previous year
•Sense of helping to create shared value (CSV)
•Constant awareness of MVV
•Pride in work, job satisfaction
•Active participation

ESG Data

Reference: Target and Results of Vision 2021

Issues Indicators FY2019
Achievement		 FY2020
Achievement		 FY2021
Achievement		 Group Targets
for FY2020
and after		 Covered Companies
Creating shared value Development of products and services Main efforts find below Main efforts find below Main efforts find below Continue the approaches Domestic Group Companies
Quality that earns the trust of society Customer satisfaction survey about insurance contract procedures*1 97.7% 97.3% 97.6% the same level or higher compared to the previous fisal year Domestic Group Companies
Customer satisfaction survey about payment of insurance claim*1 96.6% 96.7% 96.8% the same level or higher compared to the previous fisal year MSI,ADI,Mitsui Direct General,MSI Aioi Life
Green House Gas emission reduction rate
(Scope1 and Scope2 combined)		 ▲21.3% vs FY2009 ▲31.2% vs FY2009
▲12.7％ vs FY2019		 ▲36.4％ vs FY2009
▲19.2％ vs FY2019		 Reduce Green House Gas emissions by 30% by 2020 and by 70% by 2050 vs base year (FY 2019)　*2 Consolidated
Total energy consumption 928,880 GJ 863,298 GJ 821,784 GJ
Paper consumption 13,051 t 10,035 t 9,090 t Lower than the previous fisal year Domestic Group Companies + Other
(▲23.1%) (▲9.4%)
Management platforms that enable employees to play active roles Ratio of females in managerial positions 12.4% 16.1% 17.5% 15.0％
(FY2020)*2		 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 fisal year
Employee satisfaction (questionnaire results), ”Working Vigorously” 4.5points 4.5points 4.6points
Number of annual paid holidays taken 15.6 15.0 16.3
Ratio of taking fully paid paternity/secondary leave 64.6% 69.0% 86.4%
Number of employees practicing social contribution activities 27,673 26,519 23,024

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

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

＜Main Efforts＞

*The classification of cases may differ from "Our Value Creation Approach" in this report.

In "Our Value Creation Approach," we have adopted the classification that is most easily understood by all.

Deal with new risks
  • Provided cyber risk related products and services with enhanced risk management. (Number of cyber insurance policies : +24.7% compared to FY2018)
  • Launched "Comprehensive compensation plan for smartphone payment operators" in April 2019.
  • 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 as of May 2019)
  • Launched compensation insurance to hospitals for foreign patients not paying medical expenses in April 2019.
  • Started providing information related to COVID-19 in January 2020.
  • Launched consulting services how to deal with customer harassment and complainer in January 2020.

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" in December 2019, Dashcam and telematics services for fleet insurance "F-Dora" in January 2020, New automobile insurance "TOUGH Observe and Protect Automobile Insurance Plus" in January 2020 and Smartphone app for driving skill training in January 2020.)
  • Developed and provided dedicated insurances for operators of on-demand transportation in August 2019 and for Maas operators in December 2019.
  • Promoted motivation for no accident by newly introducing long-term excellent discounts and no accident discounts based on the concept of "accident-free realization"in January 2020.

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 in collaboration with automobile dealers.
  • 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"in October 2019.
  • 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 one payment Tontine annuities including the industry's first fixed-term annuity with a lifetime of coverage in September 2019.

Contribute to climate change mitigation and adaptation
  • Adapted natural disasters through development and utilization of website for climate change risk analysis service and real-time damage prediction (cmap.dev).
  • 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 in May 2019.

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 mitigation through insurance and financial schemes in December 2019.

Work toward realization of “leaving no one behind”
  • Developed the dedicated fire insurance to cover homes and buildings newly built for poor classes 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 in September 2019 .

Medium- to Long-term Target

■The following targets have been set for reducing Greenhouse Gas (GHG) Emissions.

< GHG Emission Reduction >

Scope FY2030 FY2050
Scope 1 , 2 ▲50% (Base year: FY2019) Net Zero
Scope 3 ▲50% (Base year: FY2019)
(Categories 1, 3, 5, 6, 7, 13)*1･2		 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, 6: Business trip, 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
FY 2030 FY 2050
60% 100%

 

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

●KPI and Targets for Diversity and Inclusion

KPI Target Year Target
Percentage of female managers    FY 2030 30%
Percentage of female line managers    FY 2030 15%
Digital human resources    FY 2025 7,000 people
Employees for international business FY 2025 1,200 people
Percentage of productivity improvement personnel expenses (MSI, ADI) FY 2025 8.50%
Percentage of people who exercise regularly FY 2025 Current level (24%) or higher
Percentage of male employees taking childcare leave FY 2025 100%
Duration of male employees taking childcare leave   FY 2025 4weeks
Number of annual paid holidays taken FY 2025 Equal to or greater than the previous year
Percentage of mid-career employees among managerial staff    FY 2025 Current level (21%) or higher

Percentage of employees hired locally overseas appointed as executives of overseas subsidiaries   

 FY 2025 Current level (77%) or higher