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Introduction
（3,795KB）
01 Contents and Editorial Policy
03 About Us
05 Our Mission
07 Future Together with Stakeholders
09 Now to a New Stage of Growth
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Management Message
（409KB）
11 CEO Message
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MS&AD's Value Creation
（4,737KB）
19 MS&AD’s Value Creation Story
23 MS&AD’s Strengths
25 Identifying Materiality
29 Special Feature 1: Value Co-creation with
Stakeholders
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Strategy and Performance
（8,596KB）
33 MS&AD’s Path to Realizing the Image of Society
35 Review of the Medium-Term Management Plan “Vision 2021”
37 Medium-Term Management Plan (2022–25)
43 CDO Message
45 Financial and Capital Strategies
49 Foundations: ERM
51 Risk Management
53 Enhancing Capital Efficiency and Achieving
Sustainable Profit Growth
55 Financial and Nonfinancial Highlights
57 11-Year Performance
59 Reports by Segment
69 Asset Management Strategy
70 ESG Investing
71 Initiatives to Reduce Strategic Equity Holdings
72 Foundations: Sustainability
73 Special Feature 2: Planetary Health
79 Climate-Related Disclosure
83 World Map of Natural Catastrophes in 2021
84 Foundations: Quality
85 Foundations: Human Resource Strategy
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Corporate Governance
（679KB）
89 Chairman’s Message
90 Corporate Governance System and Initiatives
99 Our Management Team
103 Message from an Outside Director
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Appendix
（317KB）
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Data Section
（2,694KB）
105 Basic Knowledge about the Insurance Industry
115 Data Section
140 Performance Record
206 ESG Evaluation/Participation in Initiatives
207 Third-Party Assurance
<Data Sheets>
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FY2008-FY2020 MS&AD Insurance Group Holdings, Inc. (Consolidated)
（176KB）
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FY2001-FY2020 Mitsui Sumitomo Insurance Co., Ltd. (Non-consolidated)
（122KB）
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FY2001-FY2020 Aioi Nissay Dowa Insurance Co., Ltd. (Non-consolidated)
（130KB）
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FY2006-FY2020 Mitsui Direct General Insurance Co., Ltd. (Non-consolidated)
（112KB）
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FY2002-FY2020 Mitsui Sumitomo Aioi Life Insurance Co., Ltd. (Non-consolidated)
（94KB）
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FY2002-FY2020 Mitsui Sumitomo Primary Life Insurance Co., Ltd. (Non-consolidated)
（94KB）
FY2021 (Integrated Report)
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MS&AD Integrated Report 2021
（14,820KB）
FY2020 (Integrated Report)
FY2019 (Integrated Report)
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MS&AD Integrated Report 2019
（12,673KB）
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MS&AD Integrated Report 2019 Digest
（7,913KB）
FY2018 (Integrated Report)
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MS&AD Integrated Report 2018
（15,054KB）
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MS&AD Integrated Report 2018 Digest
（3,111KB）
FY2017 (Integrated Report)
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MS&AD Integrated Report 2017
（10,485KB）
FY2016 (Integrated Report)
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MS&AD Integrated Report 2016
（8,302KB）
FY2015 (Integrated Report)
Up to FY2014 (Disclosure)
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Annual Report 2014
（4,741KB）
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Annual Report 2010-2014 List of Error Posting on Sep 5, 2016
（62KB）
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Annual Report 2013
（10,256KB）
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Annual Report 2012
（2,577KB）
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Annual Report 2011
（2,964KB）
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Annual Report 2010
（2,399KB）
Mitsui Sumitomo Insurance Group Holdings
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Annual Report 2009
（4,888KB）
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Annual Report 2008
（2,142KB）
Mitsui Sumitomo Insurance
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Annual Report 2007
（2,333KB）
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Annual Report 2006
（738KB）
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Annual Report 2005
（725KB）
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Annual Report 2004
（977KB）
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Annual Report 2003
（1,223KB）
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Annual Report 2002
（1,793KB）
Solvency margin rate of Mitsui Sumitomo Insurance stated in annual reports from FY2004 through FY2008 is adjusted in the FY2009 report.
