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Tokio Marine Group

Message from the President

President:Shuzo Sumi

- Message from the President -

Under our corporate philosophy to place "customer trust at the foundation for all its activities," the Tokio Marine Group continues to maximize its corporate value utilizing the characteristics and strengths of each group company.


Recent Business Environment

The outlook for the global economy has become uncertain due to the weakened economic recovery in the U.S. since the spring of 2012. Therefore, the strong growth of the global economy is unlikely expected while its gradual recovery is expected to continue. The recession in the Euro zone became more visible against the backdrop of austerity in European countries triggered by the sovereign debt crisis, and this seems to continue for a certain period.

Also, although economic growth is still expected to continue in some of the emerging countries, uncertainty over the emerging economy as a whole is continuing as the Chinese economy is slowing down. Meanwhile, there are some economic forecasts that the Chinese economy would bottom out toward the end of 2012.

On the other hand, the Japanese economy is likely to continue to recover mainly due to the boost in domestic demand associated with reconstruction projects following the Great East Japan Earthquake and in fact, private consumption remains strong.


"A global insurance group continuing to grow by offering quality that customers select"

Under these circumstances, we started a three-year mid-term business plan, "Innovation and Execution 2014" in April 2012, which was formulated centering on "expanding profit" and "improving capital efficiency."

In the domestic non-life insurance business, the core business of the group, we will improve its profitability and pursue the industry-leading growth while continuously providing the quality of products and services.

In the domestic life insurance business, we will promote cross-selling of life insurance products to the customer base of the non-life insurance as an integrated approach of life and non-life to achieve sustainable growth.

In the international insurance business, we are actively developing our business in growing markets such as Asia, Latin America, and the Middle East as well as in the U.S., the world's largest insurance market, where the Delphi Financial Group joined the Group in May 2012.

We will continue to execute growth strategies balanced in both developed and emerging countries to expand the Group's scale and earnings.

In addition, we aim to maintain our strength of financial soundness while enhancing our efforts for sustained profit growth and improved capital efficiency by controlling risk and capital in both insurance and asset management through the promotion of Enterprise Risk Management (ERM).


We look forward to your continued patronage and support in all our endeavors.

July 2012

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