The Tokio Marine Group consumes considerable volumes of paper and energy in its business activities.
The Group has been making continued efforts to reduce its environmental impact to the extent possible.

The Tokio Marine Group continues to push for protection of the global environment by appointing CSR key personnel in each of the principal Group companies to promote related activities.

Our Group companies in Japan and overseas have introduced their own unique environmental management system (EMS) known as "Green Assist" to accelerate their efforts to protect the global environment through implementation of the Plan-Do-Check-Act (PDCA) cycle and reduce environmental impact from their business activities.

The head office of Tokio Marine & Nichido and Tokio Marine & Nichido Facilities adopted an EMS based on the ISO 14001 environmental management standard in fiscal 1999 and 2006, respectively. In addition, we expanded the scope of coverage for the environmental impact data to Group companies and have now achieved approximately 100% coverage on a consolidated basis.

Internal and external audits conducted in accordance with the ISO 14001 standard have revealed no major problems or violations of environmental laws, and there have been no environment-related complaints regarding the Tokio Marine Group from customers.

Primary environmental impacts caused by the Tokio Marine Group are CO₂ emissions (electricity and gasoline) and paper usage (various types of pamphlets). We have positioned initiatives for reducing environmental impact as one of our "Key CSR Issues" and have been implementing countermeasures based on the following strategic concepts.

The entire Tokio Marine Group (Japan/overseas) has been promoting various measures for reducing environmental impact and aims to become carbon neutral^* by the end of fiscal 2011.

*A carbon neutral state means that CO₂ emitted in the course of a company's business activities is equivalent to the volume of CO₂ absorbed and reduced by way of mangrove planting, use of natural energy and retirement of emissions credits by such a company.

Tokio Marine & Nichido set a medium-term target of attaining a 6% reduction in CO₂ emissions by fiscal 2012 compared with the 2006 level. The company attained a level of reduction significantly exceeding this target by the end of fiscal 2009 and defined new medium- to long-term targets for fiscal 2020 and 2050, respectively, to step up its efforts to reduce CO₂ emissions.

• Medium-term target (fiscal 2020): 40% reduction (compared with fiscal 2006 level)
• Long-term target (fiscal 2050): 60% reduction (compared with fiscal 2006 level)

Total CO₂ emissions by the Tokio Marine Group in fiscal 2010 amounted to 73,692 tons, including 60,235 tons in Japan and 13,457 tons overseas, down 7% from the previous fiscal year. For fiscal 2011, the Group has set a reduction target of 5% from the previous fiscal year.

Total paper consumption of the Tokio Marine Group in fiscal 2010 amounted to 10,637 tons, including 9,482 tons in Japan and 1,174 tons overseas, down 20% from the previous fiscal year. For fiscal 2011, the Group has set a reduction target of 10% from the previous fiscal year.

Tokio Marine & Nichido has established a project team to implement initiatives for paper reduction, including a shift to paperless Web contracts and leaflets and promotion of double-sided photocopying and multiple-page in one page printing in daily operations.

• The subject, activities and CO₂ emission, removal volumes and retirement of emission credits are pursuant to ISO 14064-1 and the "Calculation, Reporting and Publication System for Greenhouse Gas Emissions based on the Act on Promotion of Global Warming Countermeasures."
• "Business travel by air" shows data corresponding to 73.5% of the entire Group (on the basis of the number of employees).

Mangrove Planting for CO₂ Absorption and Stabilization

Tokio Marine & Nichido's Mangrove Planting Project was initiated in 1999 in Southeast Asia and other regions, under the concept of "insurance for the future of the Earth." As of fiscal 2010 (the end of March 2011), the project had planted 6,824 hectares of new forest in these regions.

Mangrove trees absorb and fix large volumes of CO₂ and are effective in mitigating and preventing global warming. We have decided to utilize these characteristics of mangrove trees to offset our CO₂ emissions in our effort to become carbon neutral. This is truly a unique initiative in Japan and in the world.

Tokio Marine & Nichido

In fiscal 2010, CO₂ emissions of Tokio Marine & Nichido amounted to 45,234 tons. At the end of fiscal 2010, the company became carbon neutral in its domestic operations.

*The calculations of the amount of CO₂ emissions and CO₂ absorption and stabilization through mangrove planting in fiscal 2010 have been verified by Tokio Marine & Nichido itself and a third-party organization (Ernst & Young Shin Nihon Sustainability Institute).

*The subject, activities and CO₂ emission, removal volumes and retirement of emission credits are pursuant to ISO 14064-1 and the "Calculation, Reporting and Publication System for Greenhouse Gas Emissions based on the Act on Promotion of Global Warming Countermeasures."

Construction of Tokio Marine Centre (TMC), the Singapore-based Asia headquarters of the Tokio Marine Group was completed in October 2010.

The structure received a Gold Plus Award in the Green Mark category for exceptionally eco-friendly buildings, a first for a Japanese company. It was recognized by Singapore's Building & Construction Authority for energy efficiency through the use of low-energy air conditioning and lighting, efficient use of water by rainwater harvesting and rooftop greening.