The MS&AD Group publishes an Integrated Report to provide customers, shareholders, investors, and all other stakeholders with an understanding of our initiatives aimed at solving social issues and
increasing corporate value throughout our business.
In the last fiscal year, various problems occurred because of business practices in the non-life insurance industry, including price-fixing and fraudulent insurance claims by agents. In response to these problems, the MS&AD Insurance Group has returned to our “Mission,” “Vision,” and “Values” (“MVV”) and we are working to transform into companies commited to serving the “best interests of our customers.”
In the MS&AD Integrated Report 2024, we have emphasized the declarations of intent for medium- and long-term growth by Shinichiro Funabiki, the newly appointed CEO, and each CxO. We have also introduced employees who are working on “major reforms of business style transformation,” with the aim of enhancing our inherent value as an insurance company and becoming the insurance company of choice for customers.

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Introduction (5,248KB)
001 Editorial Policy
002 Disclosure Framework
003 Contents
005 Our Mission
007 At a Glance
009 MS&AD’s Value Creation Story
011 Business Model and Capital Utilization
013 Value Co-Creation with Stakeholders
015 Materiality Analysis
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Governance (4,153KB)
019 CEO Message
026 Response to administrative action and efforts to prevent recurrence
027 CFO Message
031 Enhancing Capital Efficiency and Achieving Sustainable Profit Growth
033 CSuO Message
035 Roundtable Discussion with Outside Directors
039 Content of Discussions of Meetings of the Board of Directors
040 Group Governance
041 Our Management Team
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Strategy and risk management (6,908KB)
043 Review of the Medium-Term Management Plan and Aspiration for 2030
045 Medium-Term Management Plan (2022–2025)
049 [Special Feature] Taking on the challenge of major reforms of business style as a platform provider of risk solutions
054 Quality
055 DX Strategy
057 ERM
059 Risk Management
061 Information Security Management
062 Promotion of Compliance
063 bInvestment (asset management)
067 Human Resource Strategy
071 [Special Feature] Green Resilience Report (TCFD and TNFD Report) 077 Sustainability
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Metrics and targets (performance) (1,191KB)
079 Progress of the Medium-Term Management Plan (2022–2025)
081 Financial and Nonfinancial Highlights
083 11-Year Performance
085 Reports by Segment
Domestic Non-Life Insurance Business
Domestic Life Insurance Business
International Business
Financial Services Business
Digital/Risk-Related Services Business
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Data Section (3,820KB)
095 Corporate Governance System and Initiatives
103 Engagement with Shareholders and Investors
105 Corporate Profile
116 Basic Knowledge about the Insurance Industry Glossary of Insurance Terminology
122 Performance Record
190 ESG Evaluation/Participation in Initiatives
191 Third-Party Assurance
192 On the Issuance of the MS&AD Integrated Report 2024
<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)
FY2023 (Integrated Report)
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MS&AD Integrated Report 2023 (21,500KB)
FY2022 (Integrated Report)
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MS&AD Integrated Report 2022 (19,173KB)
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.