Contribute to the Development of a Vibrant Society and
Help Secure a Sound Future for the Planet

 

The MS&AD Insurance Group was formed with three groups of insurance companies being integrated with the mission “to contribute to the development of a vibrant society and help secure a sound future for the planet, by enabling safety and peace of mind through the global insurance and financial services businesses.”
To realize our vision of society, we need to face those social issues that impede this vision and promptly identify various risks stemming from the issues. Then, through a variety of products and services, we need to prevent risks from occurring or minimize the impact of those risks and to reduce the economic burden when those risks materialize. By doing so, we help create an environment where customers can live and conduct business in a secure manner. That is our story of value creation.

MS&AD’s Competitive Advantage

Demonstrating a competitive advantage through diversityDemonstrating a Competitive Advantage through Diversity

(FY 2020)

Financial Capital

Sufficient and sound financial base enabling the underwriting of customers’ risks
Consolidated net assets   ¥3,126.6 billion

Human and Intellectual Capital

Global and diverse human assets
Consolidated number of employees  41,501
● Most abundant risk data in Japan and the ASEAN region
Number of risk surveys conducted  811

● Building a digital platform
Participants in programs to develop digirally minded human assets  663
 

Social and Relationship Capital

● No. 1 customer base and sales network in Japan

Number of customers in JapanCorporate: Approx. 2.5 million
Individual: Approx. 44 million

Number of domestic non-life insurance agents 83,073

Domestic claims handling service centers 401

● Partnerships with top companies in other industries

Natural Capital

● Resources necessary for business activities

Paper consumption 10,035 tons

Total energy consumption 871,338 GJ

Water usage 766,000 m3

CO2 emissions (Scope 1 + 2) 78,133 tons

Co-creation of Value with Stakeholders

Corporate value enhancement through Creating Shared Value (CSV)

(results for FY2020)

Sustainable growth foundation (Financial Capital)

● Pursuit of capital efficiency

Group Adjusted Profit ¥214.6 billion

Group Adjusted ROE

TSR of past 5 years 25.8%

●Continuous and stable shareholder returns

Shareholder yield 6.7%

Dividend yield 4.8%

Innovation by diverse human assets (Human and Intellectual Capital)

●Providing work environments that offer a sense of satisfaction

Employee satisfaction (pride /job satisfaction) 4.4pt (maximum score: 6pt)

Turnover rate 3.3%

●Ideas born from diversity

Number of applicants for the Sustainability Contest 354

Number of applicants for the Digital Innovation Challenge Program

Approx. 2,700
Projects taken on: 28

Establishment of strong partnerships(Social and Relationship Capital)

● Disbursing insurance payment of claims and benefits appropriately and speedily

Insurance claims paid ¥2,307.7 billion

● Customer-focused business operations

Customer satisfaction 96.7%

● Expanded problem solving through regional cooperation with local governments across Japan

Number of regional comprehensive cooperation agreements 461

 

Our planet's sustainability (Natural Capital)

● Helping to create a zero-carbon society

CO2 reductions 32,387 t-CO2

Renewable energy implementation rate 9.9%

● Contributing to the conservation of biodiversity

Number of employees participating in social contribution activities 26,519

Impacts