FY2022

Sections

01 Contents and Editorial Policy
03 About Us
05 Our Mission

07 Future Together with Stakeholders
09 Now to a New Stage of Growth

11 CEO Message

19 MS&AD’s Value Creation Story
23 MS&AD’s Strengths

25 Identifying Materiality
29 Special Feature 1: Value Co-creation with 
Stakeholders

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

89 Chairman’s Message
90 Corporate Governance System and Initiatives

99 Our Management Team
103 Message from an Outside Director

105 Basic Knowledge about the Insurance Industry
115 Data Section
140 Performance Record

206 ESG Evaluation/Participation in Initiatives
207 Third-Party Assurance

Solvency margin rate of Mitsui Sumitomo Insurance stated in annual reports from FY2004 through FY2008 is adjusted in the FY2009 report.