Tokio Marine Group Business Strategy

With our Purpose as our foundation, we will bolster our human, intellectual, and social capital and create a cycle of business activities and solutions to address social issues, and continue to grow for the next 100 years.

As a global Group shaped by our Japanese origins and strenghened by our international expansion, we are there for our customers and society, protecting them at all times, committed to realizing a future of safety, security and happiness.

Aspiration 2035 represents a steadfast commitment to generating global value by leveraging the diverse strengths of our employees around the world. Above all, it reflects a foundational philosophy nurtured in Japan since our founding: a commitment to prioritizing long-term, stakeholder-centric value over short-term profits.

To realize the goals of Aspiration 2035, the Group will place our people and their unwavering integrity at the center of our value creation. By seamlessly integrating advanced technology with our core competencies in underwriting, investment, and solutions, Tokio Marine will evolve beyond the traditional model of insurance. We will transform into a comprehensive "Solutions Partner", delivering innovative responses to increasingly complex global challenges.

Through these collective efforts, the Group aims to achieve "Sustainability, the Tokio Marine Way." This approach leverages our distinct strengths to progress the resolution of societal issues alongside our own sustainable growth, ultimately contributing to the long-term well-being of all our stakeholders.

Tokio Marine Group has spent more than 15 years working to expand its insurance business overseas where there is low correlation with domestic P&C insurance, through M&A. In our mid-term plan, we will continue promote "Global risk diversification" to manage the volatile business environment.

“Global integrated group management”, which started in 2016, is steadily progressing, as seen in the appointment and contribution of diverse international talents in top management positions. In our mid-term plan, we will continue promote “Global integrated group management” to further enhance the quality, accuracy, and speed of management decisions.

Tokio Marine Group will develop provide best fit “Insurance” products and promote new "Solutions" business other than insurance to address the growing and increasingly complex issues / risks faced by our customers and society.

Tokio Marine Group will establish and expand highly specialized distribution networks as well as strengthen and upgrade embedded / direct distribution models.

In order to create time for employees to “focus on domains where we can deliver value,” we are working to thoroughly improve productivity and efficiency in all existing business processes through digital investments and use of generative AI.

Further enhancement of governance at Group-level is set as one of key strategies in the mid-term plan and will be executed rigorously by fully utilizing external perspectives. We will also strengthen direct instruction / supervision by Tokio Marine Holdings for domestic and international entities and further develop Global integrated group management.

In our mid-term plan, we will continue to aim for world's top-class EPS growth and lift the level of ROE equivalent to our global peers through outstanding underwriting and asset management in each region and the implementation of a disciplined capital policy (capital management cycle).