Tokio Marine Group's Value Creation Approach

Protecting customers and society in their times of need has been Tokio Marine's purpose since our founding. This has remained the same no matter the time period. We also believe that this purpose alone should never change.
Currently, our business environment is changing profoundly and rapidly during the COVID-19 pandemic, increasing expectations placed on the insurance industry as a form of social infrastructure. During such a difficult time, focusing solely on the conventional insurance business will make it challenging to continue to meet the true, constantly changing expectations of society and customers. For example, in response to the growing severity of natural disasters and rising number of cyber risks, are we able to fulfill our purpose simply by paying out insurance claims during an event? Needless to say, paying out insurance claims is the most important function of an insurance company, so our mission is first and foremost to carry this out without fail. However, preventing accidents, mitigating the burdens from these accidents if they occur, and quickly restoring and preventing recurrence are also important. Such peace of mind before and after an event and providing value beyond just the payment of insurance claims will likely become more important in the future. Therefore, we are dramatically expanding the domains where we provide value in a wide range of fields including health care, disaster prevention and mitigation, mobility and cyber, while thoroughly utilizing digitalization. In this manner, we are attempting to evolve into a company that is always there to aid our purpose of supporting customers in their times of need.
As the times change so does social issues and the solutions required. This is a given. As we approach a turning point today, we believe it will be important to carefully examine the domains where we should play a role and embark on bold reforms.
Tokio Marine will continue to contribute to a sustainable society and simultaneously increase social value and economic value (profit growth), while creating a cycle of business activities and solutions to social issues as a leader in solutions to social issues.
By quickly implementing this cycle of solutions to social issues and business activities along with continual improvement, we will continue to provide value to all stakeholders and become a "Good Company" that is truly needed and trusted by all even a century later.