<Entire Report>

<Digest Report>

<Individual Sections>

• The MS&AD Insurance Group's Mission, Vision and Values
• MS&AD's Story of Value Creation
• Five Business Domains
• MS&AD's Three Strengths (Scale, History, Innovation)
• Stakeholder Engagement

• Climate-Related Disclosure
• World Map of Natural Catastrophes in 2019

• MS&AD's Path to Realizing Our Image of Society
• Toward Medium-Term Growth
• Progress of the Medium-Term Management Plan “Vision 2021”
• Financial and Capital Strategies
• Toward Sustainable Growth and Achieving Targets for Group Adjusted ROE and Group Adjusted Profit
• Financial and Non-Financial Highlights
• 10-Year Performance
• Domestic Non-Life Insurance Business 
• Domestic Life Insurance Business
• International Business
• Risk-Related Services Business
• Financial Services Business
• Asset Management Strategy

• Aiming for a Resilient and Sustainable Society
• CSV Initiatives
• The Sustainability Contest 2018
• World Map of Natural Catastrophes in 2018
• Climate-Related Financial Disclosure

• Group Management Based on ERM
• ERM and Risk Management
• Empowerment of Diverse Human Assets
• Chairman's Message
• Corporate Governance Stance
• Our Management Team
• Message from an Outside Director

• Basic Knowledge about the Insurance Industry
• Glossary of Insurance Terminology

• Corporate Profile
• Stock and Shareholders
• Group Business Schematic
• History of the MS&AD Insurance Group in Japan
• Group Network and History of International Business
• Credit Ratings
• Group Companies Data Sheets
• Short Commentary: Group Financial Statements
• Performance Record
• ESG Evaluation
• Third-Party Assurance

<Data Sheet>