- Introduction (4,192KB)
01 Contents and Editorial Policy
03 At a Glance
05 Our Mission
07 As a Platform of Risk Solutions
- Management Message (551KB)
09 CEO Message
- MS&AD's Value Creation (2,791KB)
16 MS&AD’s Value Creation Story
19 Value Co-Creation with Stakeholders
25 Identifying Materiality
- Strategy and Performance (8,049KB)
25 MS&AD’s Path to Realizing the Image of Society
27 the Medium-Term Management Plan (2022–25)
33 CDO Message
35 CFO Message
39 Foundations: ERM
41 CRO Message
43 Information Security Management
44 Promotion of Compliance
45 Enhancing Capital Efficiency and Achieving Sustainable Profit Growth
47 Financial and Nonfinancial Highlights
49 11-Year Performance
51 Special Feature: Platform Provider of Risk Solutions
55 Reports by Segment
65 Asset Management Strategy
69 Foundations:Sustainability, CSuO Message
71 Report on Coexistence with the Global Environment
77 World Map of Natural Catastrophes in 2022
78 Foundations: Quality
79 Foundations: Human Resource Strategy
85 Engagement with shareholders and Investors
- Corporate Governance (795KB)
87 Chairman’s Message
88 Corporate Governance System and Initiatives
97 Group Governance
98 Our Management Team
103 Message from an Outside Director
- Appendix (253KB)
- Data Section (3,348KB)
103 Appendix
115 Data Section
138 Performance Record
206 ESG Evaluation/Participation in Initiatives
207 Third-Party Assurance
208 On the Issuance of the Intergated Report
<Data Sheets>
- FY2008-FY2020 MS&AD Insurance Group Holdings, Inc. (Consolidated) (176KB)
- FY2001-FY2020 Mitsui Sumitomo Insurance Co., Ltd. (Non-consolidated) (122KB)
- FY2001-FY2020 Aioi Nissay Dowa Insurance Co., Ltd. (Non-consolidated) (130KB)
- FY2006-FY2020 Mitsui Direct General Insurance Co., Ltd. (Non-consolidated) (112KB)
- FY2002-FY2020 Mitsui Sumitomo Aioi Life Insurance Co., Ltd. (Non-consolidated) (94KB)
- FY2002-FY2020 Mitsui Sumitomo Primary Life Insurance Co., Ltd. (Non-consolidated) (94KB)
FY2023 (Integrated Report)
- MS&AD Integrated Report 2023 (21,500KB)
FY2022 (Integrated Report)
- MS&AD Integrated Report 2022 (19,173KB)
FY2021 (Integrated Report)
- MS&AD Integrated Report 2021 (14,820KB)
FY2020 (Integrated Report)
FY2019 (Integrated Report)
- MS&AD Integrated Report 2019 (12,673KB)
- MS&AD Integrated Report 2019 Digest (7,913KB)
FY2018 (Integrated Report)
- MS&AD Integrated Report 2018 (15,054KB)
- MS&AD Integrated Report 2018 Digest (3,111KB)
FY2017 (Integrated Report)
- MS&AD Integrated Report 2017 (10,485KB)
FY2016 (Integrated Report)
- MS&AD Integrated Report 2016 (8,302KB)
FY2015 (Integrated Report)
Up to FY2014 (Disclosure)
- Annual Report 2014 (4,741KB)
- Annual Report 2010-2014 List of Error Posting on Sep 5, 2016 (62KB)
- Annual Report 2013 (10,256KB)
- Annual Report 2012 (2,577KB)
- Annual Report 2011 (2,964KB)
- Annual Report 2010 (2,399KB)
Mitsui Sumitomo Insurance Group Holdings
- Annual Report 2009 (4,888KB)
- Annual Report 2008 (2,142KB)
Mitsui Sumitomo Insurance
- Annual Report 2007 (2,333KB)
- Annual Report 2006 (738KB)
- Annual Report 2005 (725KB)
- Annual Report 2004 (977KB)
- Annual Report 2003 (1,223KB)
- 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.