Risk-management Approach

In the Tokio Marine Group, operating subsidiaries themselves carry out risk management for risks related to their business, while Tokio Marine Holdings ascertains the situation of risks faced by the Group as a whole and conducts risk management for the entire Group.
Tokio Marine Holdings establishes basic policies for the entire Group and promotes the consolidation and improvement of the groupwide approach to risk-management. In addition, it also conducts quantitative risk management for the entire Group, for the purposes of maintaining the Group's ratings and preventing bankruptcy.
In accordance with basic fundamental policy for the risk management of the entire Group, each operating subsidiary in the Group establishes its own risk management policy and implements risk management for itself and its subsidiaries.

Practicing Risk Management

The Group actively controls underwriting risks and assetmanagement risks (i.e., market risks, credit risks, and real-estate investment risks) by regarding them as core risks which should be put under control as sources of revenue. In addition, in such areas as clerical and system risks pertaining to the Group's business activities, the Group clearly identifies where such risks lie and seeks to stabilize management through appropriate risk-management in the area of preventing and reducing losses.