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Introduction
（2,701KB）
01 Mission, Vision, Values
02 Three Key Concepts
03 Contents and Editorial Policy
04 MS&AD Disclosure Framework
05 At a Glance
07 Development of the MS&AD Insurance Group
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Management Message
（1,979KB）
09 CEO Message
17 Key Issues
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MS&AD's Value Creation
（2,649KB）
25 MS&AD's Value Creation Story
27 MS&AD's Value Creation Process
29 Value Creation Resources: MS&AD's Competitive Advantage
31 Value Creation System: Business Model and Value Proposition
33 Value Creation Foundation: Global and Diverse Human Assets
35 Value Creation Foundation: Quality
36 Value Creation Impact: Co-creation of Value with Stakeholders
37 Vision for the Society of 2030 and Materiality Analysis
39 Seven Priority Issues and CSV
41 CSV Impact Assessment
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Strategy and Performance
（3,527KB）
43 MS&AD's Strategy
45 Medium- to Long-term Growth
47 Progress of the Vision 2021 Medium-term Management Plan
53 Financial and Capital Strategy
57 Risk Management
61 ERM-based Group Management
63 Enhancing Capital Efficiency and Achieving Sustainable Profit Growth
63 Financial and Non-financial HIghlights
65 11-year Performance
67 Reports by Segment
75 Asset Management
76 ESG Investing
77 Compliance with Japan's Stewardship Code
78 Climate-related Disclosure
82 Special Feature: How CSV x DX Will Bring about the Next Stage for MS&AD
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Corporate Governance
（709KB）
93 Chairman's Message
94 Corporate Governance System and Initiatives
102 Our Management Team
105 Message from an Outside Director
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Appendix
（253KB）
107 Basic Knowledge about the Insurance Industry
111 Glossary of Insurance Terminology
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Data Section
（4,768KB）
117 Data Section
140 Performance Record
211 ESG Evaluation / Participation in Initiatives
212 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）
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.
