Tokio Marine Group's Value Creation Model

Tokio Marine Group’s Value Creation Story

Since its founding, Tokio Marine Group has proceeded to contribute to the resolution of various social issues by working toward its purpose, "Supporting customers and society in their times of need." These efforts have helped the Group grow and enhance its corporate value.
This purpose will remain the same, no matter how times may change. However, we do recognize the need to adapt our approach toward resolving issues in conjunction with changes in the operating environment.
We have always been quick to respond to change. Going forward, we will continue to pursue self-transformation in order to continue to be a "Good Company" that is truly deemed necessary over the next 100 years by contributing to the realization of a sustainable society.

[Purpose unchanged from time of founding]The purpose of Tokio Marine Group’s business to support customers and society in times of need will remain consistent no matter how the times may change./  All Tokio Marine Group employees are passionate about this business purpose and are proactive in their efforts to help accomplish it; this purpose guides us in our commitment to be a "Good Company.「Ongoing self-transformation in response to changes in the environment」We are witnessing rapid changes in society and in the operating environment. These changes are in turn driving changes in social issues./ Tokio Marine Group will boldly adjust its approach toaddress the changing social issues. [Approach Toward Resolving Social Issues] Alleviate daily concerns through coverage of risks/Identify risks before materialization to spread awareness and help mitigate said risks/Support challenging undertakings through coverage of risks [Foundations Underpinning Value Creation][Foundations Underpinning Value Creation] Talent /Product and service capabilities/ A wide range of network/Sound financial base [Robust and transparent corporate governance measures] [Value] Vision for  Tokio Marine Group/ A company that is still supporting customers and society in their times of need 100 years from now "To Be a Good Company" Global warming/Demographic changes/Changing market needs/Technological progress rtc/ Changing social needs and increasing diversity and complexity of social issues [Persistent CoreSocial Issues] [New Social Issues] Material Social Issue 1/Global Climate Change and Increase in Natural Disasters Material Social Issue 2/Rising Burden of Nursing and Medical Care Due to Aging Population and Progress in Medical Technology Material Social Issue 3/Operating Environment Changes Stemming from Technological Innovation Material Social Issue 4/Equality of Opportunities and Inclusion Material Social Issue 5/Industrial Foundations for Supporting Economic Growth and Innovation  Vision for Society/A sustainable society allowing everyone to live in safety and security and to have the opportunity to reach their goals Material Social Issue 1/Resilient world at peace with natural disaster risks Material Social Issue 2/World where people have peace of mind with a longer healthy life expectancy Material Social Issue 3/Safe, secure, and comfortable world based on city development strategies led by Tokio Marine Group Material Social Issue 4/World offering a sense of purpose and motivation to all Material Social Issue 5/World of increased national strength supported by industrial and regional innovation [Past] History of resolving social/e.g.2012 Release of former One Day Auto  Insurance, Japan’s first one-day automobile  insurance product 2002 Launch  of Super Insurance,  Japan’s first integrated life and non-life  insurance product 1998 Introduction of Japan’s first auto insurance with coverage for personal injury1959 Release of Japan’s first liability  insurance 1914 Launch of Japan’s first auto  insurance 1879 Founding as marine insurance issues in every era /Insurance, Japan’s first one-day automobile  insurance product 2002 Launch  of Super Insurance,  Japan’s first integrated life and non-life insurance product1998Introduction of Japan’s first auto insurance with coverage for personal injury 1959 Release of Japan’s first liability  insurance1914Launch of Japan’s first auto  insurance 1879 Founding as marine insurance  company for supporting trade
[Priority strategies  for resolving social issues  ]Three priorities of mid-term business plan Portfolio diversification /Business structure enhancement /Aligned Group management  100 years from now[Upward Value Creation Spiral]( Improvement of corporate value through ongoing resolution of social issues) [Value Delivering to Stakeholders] "Customers " and  "Society " Profit reflecting evaluation by "customers" and "society" Adjusted net income: ¥400.0– ¥450.0 billion/"Shareholders" Adjusted ROE:10% or more/"Employees"Passion toward Tokio Marine Group indicated by culture and values survey: More than 4.1 points