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TOKIO MARINE GROUP

Key CSR Issues of the Tokio Marine Group

Each of the Tokio Marine Group companies undertakes various initiatives in its business activities to address CSR issues specific to its business domains, ranging from insurance, finance and consulting services, and in accordance with the characteristics of the region in which it operates. At the Group level, we have identified three key CSR issues, or themes, of "providing value through our core businesses," "response to climate change" and "collaborative work with local communities and society." These are shared throughout the Group, and we have been actively promoting initiatives in each field.

Providing Value through Our Core Businesses

With the aim of "offering quality that customers select," we concentrate on improving our business processes from customer perspectives. We also deliver new value that ensures the "safety and security" of society against the increasingly diversified and complex risks resulting from social changes.

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Response to Climate Change

We recognize that climate change and global warming are risks common to all humankind, which may have a significant impact on future generations, and are also risks that greatly affect our business activities in the fields of non-life insurance, life insurance and reinsurance. We seek ways to mitigate or adapt to climate change and measures to prevent global warming from every possible angle and accordingly fulfill our roles and responsibilities in society.

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Collaborative Work with Local Communities and Society

Each company within the Tokio Marine Group acts on the belief that it has a responsibility as a corporate citizen to foster harmonious relations with local communities through community and social contribution activities, and strives to contribute to national as well as regional development around the world. Based on the trust we have gained from local communities, we intend to become a "corporate group playing an indispensable role worldwide" while working to resolve social issues in each region through dialogue and collaboration with NPO and NGO.

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The Process of Specifying Key CSR Issues

Under its medium-term business strategy "Innovation and Execution 2011" (FY2009 - FY2011), the Tokio Marine Group aims to become a "global corporate group maintaining growth by offering quality that customers select" by fostering the sustainable growth of society and providing increased value to all stakeholders. In doing so, we must develop a relationship of mutual trust through dialogue with customers and other stakeholders and implement high-quality CSR management.

We work to identify issues that must be addressed by the entire Group and those unique to each Group company based on the results of various evaluations, customer feedback that includes both compliments and complaints and information obtained through communication with employees and agents, IR activities for shareholders and investors and CSR dialogue with external experts. Our CSR Board serves to specify issues having a large impact on our stakeholders and those having particular significance to the management of the Tokio Marine Group.

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