Tokio Marine Group
Corporate Social Responsibility Report 2009

Profile and Economic Features of the Tokio Marine Group
Business Domains and Major Companies of the Tokio Marine Group
Company's profile

The Tokio Marine Group provides "safety and security" to customers andsocieties in various countries and regions around the world, by accepting
nonlife insurance in Japan, as its core business, life insurance, and financial
and other general kinds of business globally in North, Central and SouthAmerica, Europe, Asia and other regions.

Name

Tokio Marine Holdings, Inc.

President/CEO

Shuzo Sumi

Address

Tokio Marine Nichido Building Shinkan, 1-2-1Marunouchi, Chiyoda-ku, Tokyo, Japan

Date established

April 2, 2002

Capital150 billion yen

Shares listed on

Tokyo Stock Exchange (First Section), Osaka Securities Exchange (First Section)( As of March 31, 2009 )Worldwide Network
Worldwide Located in 399 cities in 36 countries and regions
Number of local staff : Approx. 14,600

Major Companies of
the Tokio Marine Group

Oceania and Micronesia:
Tokio Marine Management (Australasia) Pty. Ltd. (Australia)
Tokio Marine Pacific Insurance Limited (Guam)

Asia:
North, Central and South America:
Tokio Marine Management, Inc. (U.S.)First Insurance Company of Hawaii, Ltd. (U.S.)
Philadelphia Consolidated Holding Corp. (U.S.)
Tokio Millennium Re Ltd. (Bermuda)
Tokio Marine Compañía de Seguros, S.A. de C.V. (Mexico)
Tokio Marine Seguradora S.A. (Brazil)

Europe and Middle East:
Tokio Marine Europe Insurance Limited (U.K.)
Tokio Marine Global Ltd. (U.K.)
Kiln Group Limited (U.K.)
Tokio Marine Global Re Limited (Ireland)
Tokio Marine Middle East Limited (UAE)The Arab-Eastern Insurance Co. Ltd E.C. (Bahrain)

The Tokio Marine & Nichido Fire Insurance Company (China) Limited (China)
Sino Life Insurance Co., Ltd. (China)
The Tokio Marine and Fire Insurance Company (Hong Kong) Limited (China)
Tokio Marine Newa Insurance Co., Ltd. (Taiwan)
Vietnam International Assurance Company (Vietnam)
The Sri Muang Insurance Co., Ltd. (Thailand)
Millea Life Insurance (Thailand) Public Co., Ltd. (Thailand)
Tokio Marine Insurans (Malaysia) Berhad (Malaysia)
TM Asia Life Malaysia Bhd. (Malaysia)
Tokio Marine Asia Pte. Ltd. (Singapore)
Tokio Marine Insurance Singapore Ltd. (Singapore)
TM Asia Life Singapore Ltd. (Singapore)
Tokio Marine Retakaful Pte. Ltd. (Singapore)
P.T. Asuransi Tokio Marine Indonesia (Indonesia)
IFFCO-TOKIO General Insurance Co. Ltd. (India)

Japan:<Life Insurance Business>
Tokio Marine & Nichido Life Insurance Co., Ltd.
Tokio Marine & Nichido Financial Life Insurance Co., Ltd.

<Nonlife Insurance Business>
Tokio Marine & Nichido Fire Insurance Co., Ltd.
Nisshin Fire & Marine Insurance Co., Ltd.
E.design Insurance Co., Ltd.
Millea Nihon Kosei SS Insurance Co., Ltd.

Primary indicators of business performance(consolidated)
Consolidated fiscal year

2006

2007

2008

Ordinary income (billion yen)

4,218.5

3,710.0

3,503.1

Net premiums written (billion yen)

2,148.6

2,245.1

2,134.2

Life-insurance premiums written (billion yen)

1,387.9

788.3

746.0

Ordinary profit (billion yen)

168.0

179.0

(15.1)

Current net income (billion yen)

93.0

108.7

23.1

Total assets (billion yen)
Capital ratio (%)

17,226.9

17,283.2

15,247.2

19.7

14.8

10.7

Numbers of employees in the Tokio Marine Group(on a consolidated accounting basis in the quarter ended March 2009)

Total number of employees

28,063

Total at Group member companies in Japan

23,037（Male:12,790; Female:10,247）(Tokio Marine & Nichido)

15,747（Male:8,829; Female:6,918）

Total at overseas Group
member companies

5,026(Asia:1,766; Americas:2,767; Europe:493)

Tokio Marine Group Corporate Social Responsibility Report 2009

Breakdown of income by business sectors/
Group member companies (based on adjusted earnings*1) (billion yen)
Business domain

FY2007

FY2008FY2009

99.4

5.1

38.0

100.2

16.9

49.0

(0.8)

(10.7)

1.0

0

(1.1)

(12.0)
21.0

performance performance

Domestic nonlife insurance business
Tokio Marine & Nichido
Nisshin Fire
Other
Domestic life insurance businessplanned15.1(57.2)

Tokio Marine & Nichido Life Insurance

29.1

(6.0)

24.0

Tokio Marine & Nichido Financial Life Insurance and other(13.9)(51.2)

(3.0)

29.7

20.8

53.0

24.6

23.2

53.0

8.1

3.3

33.0

16.5

19.9

20.0

Overseas insurance business *2
Nonlife insurance businessDirect insurance company
ReinsuranceLife insurance business
Financial and other businesses

6.5

(0.7)

2.0

(1.0)

(21.1)(6.0)

Group total(adjusted earnings)

143.2(52.5)

106.0

Group total(ROE)

3.5%(1.7%)

4.1%*1 Definition of Adjusted Earnings:(1) Nonlife insurance business: Adjusted
earnings = Net income + Provision forcatastrophe reserves + Provision forprice fluctuation reserves – Gains(losses) from assets under asset
liability management and interest rate
swaps – Gains (losses) from stocks
and properties – Other extraordinary
items (all figures after tax)
(2) Life insurance business: Adjusted
earnings = Increase in embedded value– Capital injections (for some life
insurance companies, adjusted earnings
is calculated on the same basis as otherbusinesses below, with corporate
expenses excluded from earnings)(3) Other businesses: Adjusted earnings =net income as shown on the financial
statements*2 Costs not assessed in each country or
region are not included in the subtotal
for overseas insurance business.

Editorial Policy

Table of Contents■ This Report is intended to report, in an easy-to-understand manner, theTokio Marine Group's principal activities during FY2008 to all customers andother stakeholders.
■ The processes of establishing the Tokio Marine Group's three key issues aredescribed in "Key CSR Issues and Initiatives of the Tokio Marine Group" on page 6.
■ This Report places a priority on reporting on how the Tokio Marine Group
has addressed its key CSR issues (providing value through businesses,
responding to climate change and collaborative work with local
communities and societies).
■ Information on matters that could not be covered in this Report will be released
via other media, including the Group's website and financial statements.
■ To the extent possible, this Report reflects views and opinions received
from stakeholders.
■ Due consideration is given to an environmental impact by fully utilizing theGroup's website and significantly reducing the number of pages contained
within this Report.
■ Due consideration is given to making this Report easy for all stakeholders to
use and understand by adopting universal color and other design schemes.
Web

Links to Tokio Marine Holdings financial statements and website:

1■

Editorial Policy / Table of Contents

2■

Message from the President

CSR Management

4■

The Tokio Marine Group's Approach to CSR

6■

Key CSR Issues and Initiativesof the Tokio Marine Group8■

CSR Dialog at Tokio Marine & Nichido(CSR website)

http://www.tokiomarinehd.com/en/social_respon/index.html(Company website)

Providing Value through Businesses

http://www.tokiomarinehd.com/en/index.html(Financial statements)

http://ir.tokiomarinehd.com/en/AnnualReport.html【Guidelines referred to in preparing this Report】

10■

Creating Value for Society through Businesses

14■

Rising to the Challenge of New Risks

16■

Improving Employee Quality through Programs●Global Reporting Initiative (GRI) "Sustainability Reporting Guidelines 2006"
Web"Tokio Marine Holdings" Comparative table on GRI guidelinesthat Nurture and Support Skill Development●United Nations Global Compact "Guidelines for Communication on Progress (COPs)"

Responding to Climate Change【Scope of this Report】●Organizations covered in this Report
Fundamentally, this Report covers Tokio Marine Holdings and principal Group
member companies** Tokio Marine & Nichido, Nisshin Fire, Tokio Marine & Nichido Life, Tokio
Marine & Nichido Financial Life, Tokio Marine & Nichido Medical Service, Tokio
Marine & Nichido Risk Consulting and overseas Group member companies

18■

The Tokio Marine Group's Challenge

20■

Climate Change Adaptation and Mitigation

22■

Aiming to Reduce Environmental Impact●Reporting period:
This Report covers details of activities conducted primarily during FY2008(April 2008 – March 2009); however, for the purpose of further clarification, on
occasion reference is made to activities undertaken outside the reporting period.

Collaborative Work with Local Communities and Societies

24【Dates of publication】●Edition●Previous edition●This edition●Next edition (scheduled)■

Contributing to the Creation of an Affluent andComfortable Society

in Japanese
09/08
08/09
08/10

in English
11/08
10/09
10/10

27

■

Comment from a Third Party

Tokio Marine Group Corporate Social Responsibility Report 20091

Message from the President

Aiming to Become a Corporate Group
Playing an Indispensable Role Worldwide
through Social Development Contributions
Becoming a Growing Global Corporate Group
Based on Customer Trust
Providing safety and security to customers worldwide,

In addition to fulfilling its responsibility and mission to

the Tokio Marine Group has been contributing to thesociety through business activities in the areas ofongoing development of society with the aim of

insurance, risk consulting and finance, the Tokio Marine

achieving prosperity and comfort for every person.

Group aims, as a good corporate citizen, to proactively

Through its medium-term corporate strategy

contribute to the worldwide creation of local communities“Innovation and Execution 2011,” which began in
April 2009, the Tokio Marine Group aims to become aand societies in which people can live safely.
In particular, problems related to climate change andcorporate group that continues to grow on the base of

global warming not only have a major impact in suchcustomer trust by providing products, services andareas as water resources, food production, biodiversity

business processes that meet customer expectations

and economic and social life, but can affect the very

and by creating a level of quality that assures

operational core of the insurance industry due to an

customer satisfaction.

increase in natural disasters. With this awareness, theSteadily working to improve product quality, Tokio

Tokio Marine Group began investigating and researching

Marine & Nichido began to significantly simplify

climate change and global warming earnestly in FY2006,

automobile insurance and launched “TNet,” a new IT

and this, in turn, led to the announcement of the Tokiosystem for agents, in May 2008, as the first step of its

Marine & Nichido Comprehensive Program on Global

Business Renovation Project. In addition, Tokio Marine

Warming in November 2007. In line with this& Nichido Life continues to promote its “Movement tocomprehensive program, Tokio Marine & Nichido hasprotect customers from cancer,” under which it offers

been promoting the development and provision ofcomprehensive protection that encompasses every

products and services created in response to climate

aspect of care from prevention to treatment and achange and endeavoring to lower the environmental

follow-up, a level of coverage far exceeding the scope of

impacts posed by each of its business activities.

conventional insurance. Through such initiatives, each2What We Can Do to Create a Societythat Is Safe to Live in

On March 31, 2008, Tokio Marine & Nichido became

Tokio Marine Group member company has been

the first Japanese financial institution to beconstantly promoting innovations in businessindependently verified as “carbon neutral.” Thisdevelopment that are based on customer trust.

achievement is attributable to the Company’s efforts toTokio Marine Group Corporate Social Responsibility Report 2009

offset the CO2 emissions produced by its domestic“Green Lesson” program that began in 2005 and isbusiness activities with mangrove afforestation, theconducted by employees and agents has conveyed thepurchase of green electricity and the retirement ofimportance of global environmental conservation toemission credits. In addition, as part of its environmental

more than 15,000 elementary schools and schools forconservation activities, the Company, working together

students with special needs across Japan.

with customers, began reducing paper resources in May

Hereafter, the Tokio Marine Group will continue to2009 by promoting a shift from a paper-based (brochure)support the ability of employees and agents toto a Web-based format for insurance clauses. Throughparticipate proactively and voluntarily in a wide

these activities, the entire Tokio Marine Group, along

range of activities that contribute to local

with agents, which constitute an important business

communities and societies.

partner, has been making concerted efforts to conserve
the global environment for future generations.

Through our business activities, we will continue topromote CSR initiatives, “aiming to become a corporate

We consider it our important duty to undertakegroup playing an indispensable role worldwide” while

activities that contribute to local communities andmaintaining the trust of all our various stakeholders. We

societies around the world. Driven by the ideal ofwould very much appreciate your support in the future.

providing “insurance for the future of the Earth,” westarted planting mangrove trees in Southeast Asia andother countries. We are now in the 11th year of the
project and the net increase in the forested areas that it
has yielded is 5,901 hectares, or the equivalent of a 100
meter-wide strip of forest extending from Tokyo toKobe(approximately 600 kilometers). Moreover, theShuzo Sumi
President & Chief Executive Officer

Tokio Marine Holdings, Inc.

Tokio Marine Group Corporate Social Responsibility Report 20093

CSR Management

The Tokio Marine Group’s Approach to CSR
Corporate Philosophy and Its Relationship with CSR
The Tokio Marine Group considers its CSR activities and its efforts to maintainsustainable growth through the execution of its Corporate Philosophy to be one

Tokio Marine Group Corporate Philosophy

and the same. The Group strives to increase the value it provides to customers

With customer trust as the foundation for all its activities, Tokio
Marine Group continually strives to raise corporate value.

and other stakeholders through CSR management at all Group member
companies worldwide and by working to ensure harmonious coexistence withsociety through the proactive support of activities addressing social problems. In•Through the provision of the highest quality products and services, Tokio
Marine Group aims to deliver safety and security to all our customers.
•By developing sound, profitable and growing businesses throughout theother words, through CSR the Tokio Marine Group ensures the continuous rise ofworld, Tokio Marine Group will fulfill its mandate to shareholders.

its corporate value. This concept was reflected in the "Tokio Marine Group CSR•Tokio Marine Group will continue to build an open and dynamic corporate

Charter" established as a set of behavioral guidelines related to theculture that enables each and every employee to demonstrate his or her

implementation of CSR practices.

creative potential.
•Acting as a good corporate citizen through fair and responsible management,

To ensure appropriate business operations the Group adheres to fundamental

Tokio Marine Group will broadly contribute to the development of society.

policies (compliance, risk management and others) as set out in the "Tokio
Marine Group CSR Charter," the "Basic Policies for Internal Control" and theGroup’s core management principles.

Tokio Marine Group CSR Charter

Participation in the United Nations Global Compact
In recognition of the fact that the concepts behind and details of the 10 principles

The Tokio Marine Group is committed to fulfilling its "Corporate
Social Responsibilities" ("CSR") by implementing its management
philosophy to achieve sustainable growth together with thedevelopment of society, in accordance with the following principles:for behavior in connection with human rights, labor practices, environment, andanti-corruption advocated in the United Nations Global Compact coincide with
the Tokio Marine Group's approach to CSR initiatives and its CSR Charter, Tokio
Marine Holdings and Tokio Marine & Nichido have taken part since 2005 in the
United Nations Global Compact.

•We aim to provide society with products and services to meet its needs forsafety security.
Respect for Human Rights and Dignity•We respect and actively promote the recognition of human rights for all
people.
•We strive to ensure an energetic working environment that is both safe andhealthy and to promote training and education of our employees.
•We respect the right to privacy and strive to enforce thorough control of
personal information.

■ Tokio Marine Group’s stakeholders

Through the provision of the highest quality products and services,
Tokio Marine Group aims to deliver safety and security to all our customers.

Acting as a good corporate citizen through fair andresponsible management, Tokio Marine Group will
broadly contribute to the development of society.

Products and Services

By developing sound, profitable and growing
businesses throughout the world, Tokio Marine
Group will fulfill its mandate to shareholders.

Protection of the Global Environment•Acknowledging that the protection of the global environment is an
important responsibility for all corporate entities, we respect harmony withand improving the global environment in all of our activities.
Contribution to Local Communities and Societies

Customers
Local communities andsocieties

Shareholders•As a member of various communities and societies, we respect thediversity of cultures and customs in different countries and regions andwe aim to contribute actively to society in response to the needs of thecurrent era.

Tokio Marine Group
Compliance
Employees

Tokio Marine Group will continue to build an open anddynamic corporate culture that enables each and every
employee to demonstrate his or her creative potential.

4

AgentsBy establishing a close rapport with the agents,
our reliable partners, we will work hard
together to realize mutually beneficial goals.

Tokio Marine Group Corporate Social Responsibility Report 2009

•While striving to maintain high ethical standards at all times, we will
pursue strict compliance in all aspects of our business activities.
Communication•We intend to disclose information timely and appropriately and to promote dialogue
with all of our stakeholders to ensure effective corporate management.

For more information please visit : http://www.tokiomarinehd.com/en/social_respon/group_csr/index.html

CSR Promotion Structure
The Tokio Marine Group has established the CSR Board chaired by the■ The CSR promotion structure in the Tokio Marine Group

president of Tokio Marine Holdings with membership consisting of thepresidents of each of the Group's companies. The Board formulates

Tokio Marine Holdings
Board of Directors (Management Meeting)fundamental CSR policies and plans for the entire Group, in addition to

CSR Board

monitoring the progress of such initiatives.

Corporate Planning Dept.

CSR Section

Each Group company promotes its own CSR activities in line with the policies
and plans formulated by the Board. Additionally, Tokio Marine Holdings has

Tokio Marine Group Companies
Board of Directors

established a CSR Section to coordinate CSR efforts across the Group and

CSR Promotion Officer

provide CSR support to each of the Group companies.

Workplace

The Tokio Marine & Nichido Corporate Value Index
Tokio Marine & Nichido defines corporate value as the sum total of the values

Area of assessment

Primary indexes

Customer fundamentals

Number of individual customers, net premiums written, results ofcustomer surveys (on the level of satisfaction with the Company), etc.

Agent fundamentals

Results of customer surveys (on the level of satisfaction with agentsand whether they appropriately ensure "Anshin Quality"* andhandling), etc.

Management leadership

Result of employee surveys (evaluation of executives andmanagement), etc.

Organization/
Human resources system

Percentage of employees with disabilities, number of female
employees (at or above a certain rank), results of employee surveys(on the level of employee satisfaction), etc.

Organizational culture

Number of employee activities making contributions to local
communities and societies, results of employee surveys (evaluation ofrespect for human dignity, corporate culture, CSR)

Employee capabilities/
Operational-processcapabilities

Results of customer and agent surveys (on such subjects as agent partnership,satisfaction with accident responses, ensuring appropriate "Anshin Quality" andpayment of claims), amount of paper used, amount of greenhouse gasses emitted
and the switchover ratio to web clauses, etc.

Product strength

Results of external surveys on the corporate image, results of agent
and employee surveys (evaluation of products and services)

Brand strength

Results of external surveys on the corporate image, brand value
indicators, etc.

Profitability/
Soundness

Financial ratings, adjusted earnings and ROE, etc.

Compliance/
Internal control

Business improvement based on customer responses (dissatisfaction
and demands), internal audit results, etc.

it provides each of the stakeholders (mamely, customers, shareholders, agents,
employees, and local communities and societies) and quantitatively evaluates
measures taken each year to determine if those measures have enhanced
corporate value. This has resulted in higher standards for CSR initiatives andnew strategy proposals.
This indicator used to evaluate remuneration for Tokio Marine & Nichido andTokio Marine Holdings executives are based on profit and sales results, in
combination with incorporating the corporate value index with the KPI*. By doing
so, the Group aims to improve the quality of its management strategies and CSR.
Also, in the important areas of CSR, Tokio Marine & Nichido discloses theresult of its evaluation of specific 11 items which the Company considers to be of
special importance among the above indicators, in order to measure the progressof initiatives taken for CSR.
*KPI: Key Performance IndicatorWeb

The Tokio Marine & Nichido CSR indicators:
http://www.tokiomarinehd.com/en/social_respon/group_csr/promotion02.html

報酬委員会*Anshin Quality : A quality standard indispensable to providing insurance products and services to customers.

Tokio Marine Group Corporate Social Responsibility Report 20095

CSR Management

Key CSR Issues and Initiatives of the Tokio Marine Group
Processes that Identify Key Issues
The Tokio Marine Group aims to become "a global corporate group" which■ Processes that identify key issues

is selected by customers for its high quality and continues to growthrough the formulation of its medium-term corporate strategy

Corporate Philosophy"Innovation and Execution 2011" (FY2009-2011) and the provision ofMedium-term Corporate Strategy "Innovation and Execution 2011"

increased value to all stakeholders as it grows with society. With thisGroup CSR Plans

vision, the Tokio Marine Group places immense importance on building up
mutual trust through dialog with all stakeholders, including customers, inline with the goal of implementing high-quality CSR management.
The Tokio Marine Group has been making efforts to identify issues theentire Group is faced with as well as those specific to each Group member

Providing Value through Businesses
CSR Board
The Group’s CSR Issues

company. To this end, it has been drawing on available information andResponding to Climate Change/
Global Warming
Collaborative Work with
Local Communities and Societies

evaluation results obtained through such activities as listening tocustomers' remarks, complimentary or otherwise, communicating with

Two-way Communications

employees and agents, providing IR for shareholders and investors andholding dialogs on CSR themes with external experts (see pages 8 and 9).

Customers

Shareholders

AgentsEmployees

Local communities
and societies

In addition, the CSR Board (see page 5) identifies extremely important
issues that impact on both stakeholders and the Group management.

Key CSR Issues of the Tokio Marine Group
Each Group member company has undertaken initiatives to address CSR• Realization of carbon-neutral activities

issues during the course of its business activities. The following issues

The entire Tokio Marine Group (both domestic and overseas) intends tohave been established as key CSR issues for the entire Group.

become carbon neutral (see page 23) by the end of FY2011. For the
moment, the domestic and overseas Group member companies promote

Responding to Climate Change and Global Warming

reductions in an environmental impact (including CO2 emissions and the

Climate change and global warming pose risks for all humanity and willamount of paper used) through the environmental management thathave a serious impact on future generations. At the same time, we areachieves carbon neutral business operations.

aware that such risks will seriously affect our business activities also. We
will continue fulfilling our role and responsibility in society by

Collaborative Work with Local Communities and Societies

investigating methods from all angles to respond to and alleviate the

All of the Tokio Marine Group member companies consider it theireffects of climate change, while assisting in the prevention of global

responsibility as corporate citizens to foster harmonious relationships

warming.

with local communities through their social contribution activities and• Consideration for the environment through products and services

thus assist in the development of countries and regions around the world.

We will support the realization of a sustainable society by providing

Moreover, the Group aims to become "a corporate group playing an

insurance and financial products, consulting services, etc., which

indispensable role worldwide" by helping to find solutions to social

respond to climate change risks.

problems in various regions through its dialog and cooperation with NGOs
and by maintaining relationships of trust with local communities.

6

Tokio Marine Group Corporate Social Responsibility Report 2009

For more information please visit : http://www.tokiomarinehd.com/en/social_respon/group_csr/index.html
でもご紹介しています

Performance of FY2008 CSR Initiatives and FY2009 Plans
CSR key initiatives introduced at the beginning of 2008 by each Tokio Marine Group member company are being implemented generally according to plan.
1. Each Group member company took steps to increase operational quality by thoroughly undertaking appropriate business management through ongoing initiatives that began in FY2007.
2. Each Group member company (Japan) promoted reductions in environmental impact (the volumes of electricity, gasoline, paper and other resources used) from its business activities by bolstering its
stance on environmental management.
3. Each Group member company took steps to invigorate activities to contribute to their local communities and societies by increasing awareness of their CSR initiatives.

CSR Issues in FY2008 (Annual Plan) and Performance
Key Issues

POINT

Promote initiatives in line with key CSR
issues and each item of the CSR Charter

Key CSR Issues in FY2009 (Annual Plan)
Evaluation

Pages

POINT

Thoroughly establishing and spreading throughout the organization
various business processes intended to help to ensure theappropriateness of business operations● Promoting collection and utilization of "customer comments"⇒Implementing business process innovations (including theestablishment of "Anshin Quality," Business Renovation Project)◎

P.10-17

Enhancing the quality of products and services provided tocustomers and society⇒Green Gift Project: Promoting a shift to web clauses forautomobile insurance and super-insurance policies◎

P.18-21●

Responding to climate change/
global warming

Providing value throughbusinesses

Environmental consideration
through businesses(products/services)

●

●

●

Reducing environmental
impact from business activities●

Collaborative work with local
communities and societies

Expanding the scope of the Environmental Management System (EMS)⇒EMS adoption at Group member companies (25 key companies in Japan)
Reducing environmental impact⇒【Tokio Marine & Nichido】
CO2 emissions : 2% increase for FY2012 targets (6% reduction
compared with the level in FY2006), 2.4%
decrease year on year
Paper used : 10.4% decrease year on year
Promoting activities to make contributions to society in eachcountry and region around the world (Strengthening joint initiatives
among all Group member companies)⇒Volunteer teachers for Green Lessons (300)⇒Volunteers for Mangrove Afforestation (40)⇒Assistance for disaster victims of the 2008 Sichuan Earthquake in
China and other natural disasters (Total of ¥10.96 million in
donations distributed)

Promoting initiatives that
focus on key CSR issues●

Enhancing the quality of provision processes for
products and services●

Development and provision of related products andservices that adapt to and mitigate climate change(including measures responding to developing countries)

Group member companies (Japan): Step up the
reduction of environmental impact based onvoluntary targets (numerical value);
Appropriate response to revisions to the Law
Concerning the Rational Use of Energy● Group member companies (Overseas): Adopt EMS
at key offices●○

P.22-23

Bolstering joint initiatives among Group member
companies
Target: Ratio of employees at each Group member
company (in Japan) participating in local communityand society contribution activities: 30%● Infrastructure upgrading at all Group member companies:
Information sharing and the introduction of volunteer
leave systems●◎

P.24-26

External Evaluation
In recent years, attention has been drawn to Socially Responsible
Investment (SRI), which is undertaken based on the evaluation of
corporate activities from the perspective of sustainability in the areas ofthe economy, the environment and society. Having received high

Dow Jones Sustainability Asia Pacific Indexevaluations from SRI rating agencies worldwide—and with the desire tocontinue receiving such ratings—Tokio Marine Holdings has been striving
to further increase its CSR activities. As of June 30, 2009, Tokio Marine
was selected by the SRI index rating agencies listed on the right.

FTSE4Good Index Series

Ethibel Sustainability Index

Tokio Marine Group Corporate Social Responsibility Report 20097

CSR Dialog at Tokio Marine & Nichido
Tokio Marine & Nichido invited various experts to present their opinions regarding three of the Company’s priority CSR issues.

Director Secretary General,
Japan NPO Center

Professor,
Graduate School Global Environmental
Studies Department,
Sophia University

Yoshifumi Tajiri

Chief Executive,
E-Square Inc.

Peter David Pedersen

Yoshihiro Fujii

Manager,
Diversity & Workforce Communications
Human Resources,
IBM Japan, Ltd.

Director,
Cross Sector Service Management
Integrated Technology Delivery,
IBM Japan, Ltd.

Megumi Umeda

Motoko Fukui

President & Chief Executive Officer

Attendee from Tokio Marine & Nichido(their positions and organizations being as of the time of the CSR dialog)

Shuzo Sumi

General Manager, Personnel Planning Dept.

Iwao Kimura

Member of the Board, Managing Director

Tsuyoshi Nagano

Terumasa Miyoshi

General Manager, CSR Sec., Corporate Planning Dept.

Mitsuru MurakiManaging Director and Senior Research Officer,
The Tokio Marine Research Institute

Opinion …Opinion voiced by an expert

Action plan

…Tokio Marine & Nichido’s action plan

Protecting the Global Environment and Environmental Management Strategies
The Tokio Marine & Nichido has been promoting specific initiatives thatencompass the following specific issues: Responding to climate change
through the insurance business, further reducing the environmental
impact of business activities—including activities undertaken byagents—and carrying out ongoing environmental awareness-raising andsocial contribution activities.

emerging risks and needs in connection with new technologies and systems.
*Various technologies, products, services and processes that utilize reusable resources to reduce theconsumption of natural resources, release of greenhouse gas emissions into the atmosphere anddisposal of waste materials. This refers to a wide range of technologies in areas that include
alternative energy (solar and wind power and fuel cells), water, air and land purification, newmaterials and such transportation as automobiles.

Reducing Environmental Impacts during Business Activities
Conserving the Global Environment through Businesses

Opinion I expect Tokio Marine & Nichido to expand the scope of its

Opinion Based on promoting the post-Kyoto Protocol and Green New

environmental impact data by including such areas as domestic and

Deal policies, I believe that incorporating environmental considerations inoverseas business travel and commuting. Also, it will be worthwhile toautomobile and fire insurance—and the speed in which such products

include employee families in the promotion of initiatives to establish

can be provided—is directly linked to competitive superiority. In

concrete targets for reducing environmental impact in each segment.

connection with this, have you given any thought to investigating the use

Action planof clean technologies?*

issues by investigating realistic and specific methods for expanding the

Action plan

scope of CO2 emission volume calculations. Tokio Marine & Nichido has

Tokio Marine & Nichido aims to take initiatives that will

Tokio Marine & Nichido has been responding to these

allow environmental considerations to be incorporated into andbeen steadily implementing its FY2009 plan to achieve targets forcommercialized as part of the existing insurance products and services.

reducing an environmental impact. The Company has also raisedMoreover, the Company will promote research and other measures toawareness and encouraged behavior modifications among its employees whiledevelop and provide insurance products and services that respond to

taking steps to incorporate employee families and agents into these measures.

8

Tokio Marine Group Corporate Social Responsibility Report 2009

For more information please visit : http://www.tokiomarinehd.com/en/social_respon/dialog/index.html

Promoting Diversity and Encouraging "Active" Female Employees
implements measures to raise employee awareness and provides

Through the energetic contributions of all employees, Tokio Marine &Nichido provides new value to society. In order to accomplish this, theCompany makes efforts to maintain a comfortable work environment wherea diverse array of values are respected through such initiatives as promoting
opportunities for female employees' active pursuit of career paths and firmly
implementing various systems to support a good work/life balance.

various types of support in order to facilitate proactive advances on thepart of employees.

Providing Comfortable Work Environment
Opinion To best respond to the aging of society, I believe that

Encouraging Active Female Employees

mechanisms must be developed to incorporate different ways of thinking that

Opinion Regarding the promotion of active female employees, I

go beyond gender to embrace generational and other factors. Even as Tokio

believe it will be worth your while to continue sending the message that

Marine & Nichido promotes the theme of active female employees, it is

the Company is serious about promoting the career opportunities ofimportant that the Company goes one step further and promote

female employees—as well as the smooth running of related promotion

improvements in the work environment that encompasses work/life balance.

systems—as a pillar of its management strategy.

Action plan

Action planmaternity leave system, Tokio Marine & Nichido is considering introducing

Tokio Marine & Nichido works assiduously to

In addition to promoting the smooth operation of thecommunicate the significance of active female employees, striving to

new work styles that include perspectives on such next-generation

ensure that they fully understand this message. Moreover, the Company

approaches as video conferences and the performance of duties at home.

Promoting Employee Contribution Activities to Local Communities and Societies
upon themselves to speak about the significance of implementing renewed

To gain the trust of local communities, Tokio Marine & Nichido has
undertaken measures including the elevation of all employees' awarenessof this issue and the creation of systems that facilitate participation in
activities that promote such trust, by positioning the promotion of
employee participation in activities of local communities and societies asa priority issue in the Company's management strategy.

measures by diffusing these ideas throughout employees.

Creating Mechanisms to Promote Action
Opinion Beginning with volunteer activities that take very little time

for them to perform on weekdays, I believe that presenting a versatile menu

Ceaselessly Promoting the Message of Participationof activities and increasing freedom of choice will induce employees toOpinion I think it is important to promote the messages, consistently

participate in volunteer activities.

and ceaselessly, that "as members of society, playing a role in local

Action plancommunities and societies is a natural duty" and "contributing to local

employees, Tokio Marine & Nichido supports and promotes such activities

communities and societies is indispensable to building up brand strength."by continuing to provide information on social contribution programs via

Action plan

the Company’s intranet. The Company showcases positive examples ofTo imbue employees with a strong awareness of the

In order to facilitate voluntary initiatives bysignificance of undertaking activities that contribute to local communities andsuch efforts on a wide scale both internally and externally, leading tosocieties and bring this into effect, all executives and managers have taken it

collaborative activities with agents.

Responding to Opinions Obtained in the CSR Dialog
We have received a large number of opinions for CSR initiatives

both inside and outside the Company as we move forward— from the planning through the implementation stage.

— thus determining a framework for CSR activities — andThis year marks the start of a new medium-term corporate
strategy, and we believe that the opinions we received areclosely reflected in our CSR plan. It is important when
formulating a CSR plan to visualize the impact of these
activities on the Company's future from perspectives foundto use this understanding as the basis upon which CSR
activities can be implemented over the medium to long term.
We look forward to undertaking CSR initiatives under theguidance provided by a wide variety of sources.

Tsuyoshi Nagano
Member of the Board,
Managing Director,
Tokio Marine & Nichido

Tokio Marine Group Corporate Social Responsibility Report 20099

Providing Value through Businesses

Creating Value for Society through Businesses
The Tokio Marine Group aims to become "a global corporate group maintaining growth by offering quality that
customers select" by creating social value through enhancement of its business processes from a customer-oriented
approach to business.

Aiming to Be a Company Selected for Its Quality
In recent years, customer needs haveoffers quality that customers select, thebecome increasingly diverse in the face ofGroup member companies have beensocial and economic changes that havepromoting initiatives to ensure that theirgiven rise to new risks. In accordance withproducts and services are found fully

its corporate philosophy, "Through thesatisfactory to all customers by not only

provision of the highest quality products andupgrading the quality of products andservices, Tokio Marine Group aims to deliver

services but also making the process ofsafety and security to all our customers," thebusiness at the time of attending toTokio Marine Group has offered products

customers more prompt and accurate.
In May 2008, Tokio Marine & Nichido

and services that anticipate future changes
in the fields of nonlife insurance, life

implemented the Business Renovation

insurance, financial business, medical and

Project for the purpose of transforming all

nursing business and consulting business.

business processes from the signing of

The Group has garnered high praise fromcontracts to the payment of claims, andTomoki Fujioka

customers as a result of these efforts.

employees and agents have been proceeding

Manager,Business Process Innovation Support Dept.,
Tokio Marine & Nichido

With the aim of being a corporation that10

steadily with "the new business process."

Tokio Marine Group Corporate Social Responsibility Report 2009

For more information please visit : http://www.tokiomarinehd.com/en/social_respon/stakeholder/customer.html

Improving Customer Convenience through the Business Renovation ProjectIn FY2003 Tokio Marine & Nichido began a study on implementing the■ The three concepts of the Business Renovation Project

Business Renovation Project and has since promoted the project with thecooperation of more than 50,000 agents nationwide. From the concept of

SimpleDevelop simple and easy-to-understand products
for customers.

SmoothReduce waiting time for customers by introducing
systems which agents can operate without
referring to manuals.

SpeedyPromote a completely cashless system for paymentof premiums at convenient stores, by credit card, etc.

making the complex framework of insurance simple, smooth and speedy
and thus elevating convenience for customers, we have drastically revised
our products, systems and administrative procedures to provide "simple
and easy-to-understand products to customers," "easy-to-operate systems
to agents" and "quick and responsive administrative procedures forcustomers' needs." In the course of drastically revising the conventional
ways of doing business, we have decided to initiate such arrangements
as the cashless payment of premiums and early notices of renewal, andour employees and agents have been proceeding with business steadilyalong these lines by obtaining customers' understanding and cooperation.
"TNet," a new IT system for agents introduced in May 2008, provides■ Key indicators of the Business Renovation Project（Tokio Marine & Nichido, automobile insurance）
Prior to the Business
Renovation Project

After the Business
Renovation Project

April 2005

March 2009

Ratio of cashless payment

40.5%

99.5%

Ratio of IT systems
for agents introduced

60.4%

85.4%

advanced functions for maintaining and analyzing customer informationand guidance for responding to customers when accidents occur. Thus,
the Group has created the tool that enables agents to easily provide
customers with comprehensive services.

Aiming to Be an Agent that Offers Quality that Customers Select"I would like to provide safety and security to customers as a person they rely

quality of services we provide to them by making effective use ofupon and cannot do without." - this is the expectation I have of myself in mycustomer information. The measures taken thus far have elicited

day-to-day work. The fact remained, however, that most of my time wasnumerous appreciative comments fromtaken up with daily routine work, making it difficult for me to interact withcustomers, improved the ratio ofcustomers and listen to their needs as often as I wish. In the circumstances,contract renewals, and greatly

I have often asked myself the question "what should be done to develop a

increased the number of new

business style of contributing to increasing value for customers?"

customers introduced by established

It is the Business Renovation Project that brought change in thiscustomers. Best of all, job satisfaction

situation. Companywide efforts to create time contributing to increased

among the employees has increased.

value for customers have now been going on to upgrade business

From now on, I am determined toefficiency and maintain customer information in good order, through thecontinue improving the quality ofpromotion of the cashless acceptance of business and making the most of

business as an agent who always

the new IT system for agents "TNet."

offers products and services that

It has now become possible to meet customers' needs and upgrade thecustomers select.

Junko Miyake
Chief,
Central Inc.（Insurance Sales Agent）

Tokio Marine Group Corporate Social Responsibility Report 200911

Providing Value through Businesses

Providing Claims Services that Reassure Customers
Every customer is not without the possibility of being involved in an

insurance, we haveaccident, whether he/she likes it or not. It is in such an eventuality that

introduced a system having

the realized value of his/her insurance company is appreciated and wefunctions according toconsider it our mission to do our best to provide such a customer withwhich we cannot close theclaims services that are of the highest possible quality.

file until after we have paid
all incidental claims without

Alleviating Customer Anxiety

any omission. By means of

Beyond providing financial compensation, including the payment of insurance

this system and various

claims, the Tokio Marine Group aims to respond with measures that alleviate

types of training, we areeven the smallest amount of anxiety through our interaction with customers.

now confident of making an

For example, at the Tokio Marine & Nichido Accident Reception Center (Tokio

appropriate payment ofMarine & Nichido Anshin 110), the Group pursues a wide array of initiatives

claims to customers.

to improve the quality of claims services to ensure that every accident report

Kouichi Kakinuma
General Manager,
Claims Management Dept.,
Tokio Marine & Nichido

Furthermore, we haveis handled attentively and intensively. Our initiatives taken include monitoring

been making efforts to eliminate customer anxiety through such means as

for the purpose of evaluating the reception staff's telephone responses to

the Tokio Marine & Nichido Medical Service's free medical advice service,customers; upgrading manuals and training curriculums in response to suchhighly specialized services provided by each Group member company andmonitoring; and formulating e-Learning programs. The improvement of our

accurate advice offered by affiliated lawyers, doctors and other experts.

daily management is directly linked also to questionnaire responses andProviding Advice after Insurance Claims Have Been Paid

opinions received from customers.

As an advice center that deals with the payment of claims and inquiries

Steadily Paying Insurance Claims as Professionals

about them, the Tokio Marine Group opened the Claims Consultation

When a customer is involved in an accident, it is our duty as professionals

Desk, which is staffed by specialized personnel to answer questions fromto pay a claim as rapidly as possible in accordance with the terms andcustomers. The Group also established the Claims Service Examination

conditions of the particular insurance contract. On receipt of a claim

Committee and the Reexamination Request System, which are composed

notice, we provide the claimant with information including the paymentsof external committee members including doctors and lawyers. Throughof the claim by utilizing a system that verifies whether such an accident isthese measures, the Group aims to further increase the objectivity andcovered under any other contracts. In the case, in particular, of automobiletransparency of payment by reconfirming claim payments to customers.

■ Overall level of satisfaction with claims service (Tokio Marine & Nichido)
Somewhat dissatisfied
1.4％
Neither satisfied nor dissatisfied
3.0％
Somewhat satisfied
5.6％

Dissatisfied
1.0％
Very dissatisfied
1.1％

Very satisfied
45.0％
Satisfied
42.9％■ Claims service system (as of July 2009)
Tokio Marine & Nichido
245

108

Staff

Approx. 9,400*

1,134

Lawyers

Approx. 530

39

Consulting physicians

Approx. 120

11

Tax accountants/Accountants

Approx. 60

ーApprox. 2.40 million

Approx. 0.2 million

Number of service centers

Number of automobile accident
settlements reached
Questionnaires were sent to automobile insurance customers to conduct
the above-mentioned survey in almost all cases covering claims paid tothem regarding automobile, property and casualty insurance.
Number of questionnaires sent : 916,185
Number of respondents : 185,558
Response ratio : 20.3%
Time period : April 2008 – March 200912

Tokio Marine Group Corporate Social Responsibility Report 2009

Nisshin Fire*The number of staff for Tokio Marine & Nichido is as of July 2008.

For more information please visit : http://www.tokiomarinehd.com/en/social_respon/stakeholder/customer.html■ Procedures undertaken until insurance claims are paid

Accident Reception(open 24 hours a day, 365 days a year)•Verify an injury sustainedby the customer. .
•Verify terms and conditionsof the customer's insurance
contract.
•Verify details of theaccident and damage made.

Initial Response

Verifying Circumstances of theAccident and Extent
of Injuries/Damage Caused•Provide information aboutclaims payable anddocuments required formaking a request for
payment of claims.
•Provide an explanation of
the procedure until claims
are settled.

Calculation of andAgreement on Claims
and Payment of Claims

Progress Report•Verify circumstances of
the accident and details of
injuries/damage caused.
•Verify details of
injuries/damage andmedical treatment on thepart of the other party(if any) to the accident.
•Determine causes of
the accident.

•Provide information on
the amount of claims
payable and a detailed
breakdown•Pay claims after obtaining
the claimant's agreement
to the proposed settlement.

•Report details of
injuries/damage andcauses.
•Report the progress ofout-of-court settlement andresult of settlement.

Activities Providing Value through Businesses around the World
Providing a Mutual-Aid System through Takaful Services

with the best quality products and services. The business process from

Takaful is a mutual-aid system compatible with Islamic law, planned andmarketing through underwriting and claims service is completely

introduced in the second half of the 1970s. While Islamic nations have

paperless. The commission payment will be online, as well as premium

experienced remarkable economic growth in recent years, Western-stylecollection from agents which is already online.

insurance products have not spread in such markets since they conflictAlso, the company has introduced web-based training modules calledwith Islamic law. In response, the Tokio Marine Group was quick to begin"PHLY U," which encourages continuous self-education and promotes

repeated research efforts on Takaful, taking the bold step in 2001 of

skills improvement of employees. Training module in certain area oftaking the lead among insurance companies in its commercialization,

service such as loss control has been provided to the customers, and andelivering safety and security to people who cannot conclude insurance

education module is planned to be provided to the agents through thepolicies for religious reasons. Today, it sells Takaful products in three

website.

countries (Saudi Arabia, Malaysia, and Indonesia) and has deployed
Takaful reinsurance business in Singapore. In addition, a Takaful company

Web

Philadelphia Insurance: http://www.phly.com

was established in Egypt in October 2008, and preparations are under
way to commence business operations.

Philadelphia Insurance Companies
The initiatives taken to realize the highest quality services
In December 2008, Philadelphia Insurance Companies have become newmembers of the Tokio Marine Group. The company has achieved highgrowth and profitability in US Property & Casualty insurance market bymaking the most of their strength; designing customer-oriented products
to niche market (such as non-profit social service industry, schools, andreligious organizations) and approaching to the market through multiple
distribution channels.
The company utilizes advanced technology to provide the customers

Web-based training modules "PHLY U"

Tokio Marine Group Corporate Social Responsibility Report 200913

Providing Value through Businesses

Rising to the Challenge of New Risks
By making the most of the expertise and experience it has cultivated to date, the Tokio Marine Group has been utilizing its
overall strength to the maximum possible extent to assist in the search for solutions to diverse and complicated risks
accompanying social change.

Fighting Cancer as a Social Mission
Cancer accounts for 30% of all deaths in Japan, claiming lives in excess

solutions through insurance products and services but to evince the courageof 300,000 people annually. It is for this reason that cancer is deemed toto fight this disease. In line with this concept, the Company, together withbe a national affliction and has become a major social issue. Tokioagents, has been promoting comprehensive efforts that aim to be useful toMarine & Nichido Life has been expanding its "Movement to protect

customers. These range from

customers from cancer" based on the following questions: "Can anything

protecting customers against

be done to protect customers from cancer?" and "what can be done tocancer by providing information

help customers who are trying to overcome cancer as well as thoserelated to cancer prevention andpatients’ families?"

regular medical examinations to

From diagnosis to treatment, it is not only the patients themselves, butoffering emotional support in thetheir families that must cope with cancer. For patients and their families,

form of specialized consultation

who must contend with economic and emotional problems during theirservices in the remote event that

Akira Nishikawa

struggle against the disease, Tokio Marine & Nichido Life believes that it iscustomers should be diagnosed as

the social mission of life insurance companies not only to assist in providing

having developed cancer.

Manager,Marketing Promotion and Planning Dept.,
Tokio Marine & Nichido Life

■ Examples of actions undertaken by the "Movement to Protect Customers from Cancer"

Learning about cancer

Spreading the message about cancer

Useful countermeasures against cancer• Study sessions and meetings for employees to• Seminars conducted by external experts, healthcare• Preferential services for general health checkups

exchange experiences

professionals, cancer survivors and their families

and cancer PET examinations• Seminars for agents conducted by health care

• Drafting and distributing leaflets about cancer examination• Telephone consultation via cancer-specific consulta-

professionals, cancer survivors, etc.

• Partnerships with local governments and regionaltion centers staffed by doctors and nurses

financial institutions, etc. (See "Topics" for more details)• Home consultation and other services for those whohave cancer-related concerns

Web Tokio Marine Holdings CSR webpage: http://www.tokiomarinehd.com/en/social_respon/pickup/090623e.html

Topics

Improving Cancer Examination Rates with Local Communities

As part of its "Movement to protect customers
from cancer," the Tokio Marine Group has been
cooperating with prefectural governments toimprove cancer examination rates. In
connection with this, the Group has initiatedthe "Cancer Examination Rate Improvement
Project" since FY2008, forming partnerships
with the prefectural governments of Kochi,
Tochigi, and Miyazaki, and such financial
institutions as the Bank of Kochi, Ltd., theAshikaga Bank, Ltd., and the Miyazaki Bank,

14

Ltd. This project strives to improve examination
rates by way of public-private partnerships
undertaking such initiatives as distributing
leaflets urging people to undergo cancer
examinations and presenting novelty gifts to
those who take examinations.
Based on an agreement concluded between
Fukui prefecture and Tokio Marine & Nichido
Life, the Tokio Marine Group has also been
advancing this project through such measures
as popularizing the use of a proton beam

Tokio Marine Group Corporate Social Responsibility Report 2009cancer treatment facility currently underconstruction in the prefecture and by promoting
measures to boost cancer examinations rates.

A scene from the ceremony commemorating the business agreement concluded
between Tokio Marine & Nichido, Kochi prefecture and the Bank of Kochi

For more information please visit : http://www.tokiomarinehd.com/en/social_respon/stakeholder/customer.html

Providing Mental Health Care Supporting Emotional Wellbeing
In Japan, depression, which is said to be a modern-day disease, isanalysis of companywide trends in stress levels and consultation

becoming more and more serious every year, with the number ofservices for developing mental health systems. The number ofpatients so diagnosed increasing to 920,000 in 2005 and the yearly

employees who has used this system so far exceeds 200,000.

number of people committing suicide exceeding 30,000 for the past
eleven consecutive years. For this reason, the Tokio Marine Group has
established mental health care as an integral part of employee welfare
benefits and has placed greater importance on this issue as a part of its
management of business risks.
Tokio Marine & Nichido Medical Service’s Employee Assistance
Program (EAP) supports mental health management. Under thisprogram, based on the results of employee stress checks, a team of
specialists including psychiatrists and clinical psychotherapists give
employees consistent support for care during leaves of absence andrehabilitation periods, including a therapy for prevention of a relapse
and the sending of warning to those who have not shown symptoms.
This support is also available via e-mail, telephone, in-person
consultation and affiliated medical organizations nationwide. Alongwith furnishing support for individual employees, Tokio Marine &VoicePromoting the Mental Health of All People
Protecting people's lives and health are very important as an
initiative to contribute to the development of society. Although
there is a limit to the capacity of individual doctors and clinicalpsychotherapists, I think it is of greatsignificance to provide support to a far
greater number of people by utilizing theirexpertise through our business activities.
I think it is an ideal society where anyone
can have a medical checkup on a regular basis
and receive support and care as necessary.
Yuji Hiroyama, M.D.
Chief of EAP section
I hope our business activities would contribute toof Health Promotion Dept.,
the realization of such an ideal society.
Tokio Marine & Nichido Medical Service

Nichido Medical Service also undertakes measures that include the
Web Tokio Marine Holdings CSR webpage: http://www.tokiomarinehd.com/en/social_respon/pickup/090428e.html

Protecting against the Threat Posed by Strains of New Influenza
The impact of the worldwide spread of the new influenza is so great thatit has posed a major threat to society and business.

Beyond listing timely information on its website following theoutbreak of the new influenza A (H1N1) strain in 2009, Tokio Marine &Tokio Marine & Nichido Risk Consulting offers consulting services to

Nichido Risk Consulting began offering easy-to-use packaged services

businesses seeking to put in place measures to counter the strain of thefor businesses that are in the process of initiating full-fledged measures

new influenza, including initiatives to prevent the spread of thein response to this threat (including providing the New Influenza Strain

infectious disease and the formulation of business continuity plans

Countermeasure Manual and simplified consultation services).

(BCPs). Beginning with the Tokio Marine & Nichido Risk Management

The Company will offer its support to a greater number of businesses

Seminar held in December 2008, the Company has provided usefulto ensure adequate preparations for the strain of the new influenza by

information for businesses seeking to counter the strain of the newenvisioning a wide array of outbreak scenarios.

influenza by using a variety of the media, including the publication of
New Influenza Strain Countermeasure Handbook and New Influenza
Strain Topics.

"New Influenza Strain Countermeasure Handbook" and "New Influenza Strain Topics"

A scene from the Tokio Marine & Nichido Risk Management Seminar

Tokio Marine Group Corporate Social Responsibility Report 200915

Providing Value through Businesses

Improving Employee Quality through Programs that
Nurture and Support Skill Development
Under its medium-term corporate strategy "Innovation and Execution 2011," the Tokio Marine Group has been making efforts
to develop a corporate culture that fosters all employees to "think, communicate and act upon their own initiative." To thisend, the Group has been developing a work environment that respects diversity and is comfortable for people to work in.

Promoting the Creativity of Each and Every Employee
The Tokio Marine Group considers its
employees to be the most valuable assets
as the Group works toward achieving
sustainable growth as a corporate group
selected by customers for its quality. With
this point in view, the Group has been
making every effort to become a corporategroup genuinely trusted and supported bycustomers, by creating "a corporate culturethat encourages self-cultivation anddevelopment of human resources." This isbeing accomplished by thorough training
centered on on-the-job training andongoing support for self-development. All
Group member companies continue tonurture and support employees by creatingskill development programs and personnel
systems appropriate for the characteristicsof their respective offices.
Tokio Marine & Nichido has undertaken
measures to develop its human resources
by cultivating a culture in which every
employee "continuously takes up thechallenge of innovation from a customer
perspective" and "identifies and solves

problems through flexible thinking and abroad vision as an insurance professional."More specifically, interviews between
supervisors and their staff are held fourtimes a year to develop each employee’s
competency (in behavior and thinking). At
the interviews, employees share theircareer visions and personal strengths andweaknesses with supervisors. This isundertaken in combination with on-the-job
training, off-the-job training andself-development efforts.
In addition to a wide range ofcorrespondence-based training activities,
including Rank-Specific Training, Optional
Training, Specialization Training ande-Learning services, Tokio Marine &Nichido offers an External Qualification
Support System by providing financial
assistance to employees who wish to earnsuch qualifications. The Company also
actively sends employees to train atbusiness schools, law schools, and otherinstitutions both in Japan and around theworld, to develop personnel who possess abroad range perspective, international
sensibilities and high degrees of
specialized knowledge.
Tokio Marine & Nichido also works toenhance the career development of
employees of Group member companies
overseas through efforts including grouptraining in their own countries and in Japan.

Iwao Kimura
General Manager,
Personnel Planning Dept.,
Tokio Marine Holdings

Voice
Providing High Quality Claims Services
I have acquired the qualification of a certified social insurance and labor assistant because
positions that involve making insurance payments to customers and other parties injured in motor
vehicle accidents require specialized knowledge of social insurance and industrial injury
insurance. Now I am able to give more detailed and to-the-point advice to customers and agents.

16

Tokio Marine Group Corporate Social Responsibility Report 2009

Masakazu Hamazume
Manager,Tokyo Communication Center,
Tokio Marine & Nichido ANSHIN 110 Co., Ltd.
（Assistant Manager, Tokai Claims Service Dept.
Tokio Marine & Nichido at that time）

For more information please visit : http://www.tokiomarinehd.com/en/social_respon/stakeholder/employee.html

Fully Displaying the Abilities of a Diverse Array of People
The Tokio Marine Group believes it essential that motivated and capable

Promoting the Employment of the Disabled

employees who possess diverse senses of value should display their

The Tokio Marine Group's domestic member companies have been making

capabilities to the full, regardless of gender, age, nationality or otherefforts to develop a work environment where employees with disabilities can

attributes, to improve the quality of the products and services that it

work comfortably and demonstrate their abilities to the utmost extent

provides to customers worldwide.

through such means as individual counseling and improvements in theinfrastructure appropriate for their specific needs. Currently, the Group’s

Holding Management Seminars for Overseas Group
Member Companies
Tokio Marine Holdings has held a management seminar in autumn

companies in Japan employ 509 individuals with disabilities. The percentageof employees with disabilities stood at 1.89% as of March 31, 2009.
Tokio Marine & Nichido Career Service has created business support

annually since 2001 with the aim of nurturing personnel responsible forteams in Tokyo, Osaka and Nagoya to promote the employment of

the management of overseas Group member companies.

disabled people throughout the Group in areas where they can display

Each of these management seminars consists of a four-week online

their particular capabilities.

learning course and a six-day intensive group training program held inTokyo, Japan. Participants in the training program study such topics as
strategic thinking—which is necessary to solve a wide array of

Promoting Career Opportunities for Female Employees
Given that about 50% of its employees are women, the Tokio Marine

management-related issues—as well as negotiation, communication andGroup considers it important to make the most of their attributes andleadership skills, thus deepening their understanding of the Tokio Marine

strengths, and to give them the opportunity to participate in wider field ofGroup’s business strategies. The many outstanding results of these

activities. This, in turn, improves our ability to respond to the diverse

seminars include the cultivation of a sense of responsibility as leaders asneeds of customers.

well as the offering of opportunities for self-improvement, both of which

Each domestic Group member company holds a "Women’s Forum" tostem from direct exchanges of opinions among fellow attendees duringprovide opportunities for female employees to consider for themselves

intensive group training.

their own future career visions, thus cultivating a corporate culture that

The 2008 management seminar was attended by 12 employees from 11

enables them to work to their full potential. Support for working women iscountries and three from Japan. In particular, the Anshin Quality Standards

also being provided by enhancing systems that facilitate both careers andProgram—a key issue for each domestic Group member company—wascaring for children.

added to the current management seminar program this year. Thisconfirmed the importance of enhancing the quality of our products and■ Number of employees who used the

Tokio Marine & Nichido’s "8 packages of full childcare support"

services in order to be the customer’s most trusted partner. The attendees
were also provided with opportunities for face-to-face exchanges of

Key systems

FY2007

FY2008opinions with executives and managers from Tokio Marine Holdings.

Maternity leave system

119

162

190

233

The Tokio Marine Group places an increasingly high level of importanceon the training of its personnel as the basis for furthering its global
business development. Looking to enhance these training programs in the
future, the Group is striving to further augment the quality of the productsChildcare leave system(including 12 males) (including 18 males)* In addition to the above-mentioned systems, the Retiree Rehiring System, the Short
Working Hours System, Substitution by Full-Time Employees, Resumption of Work Support
System, Support of Use of Babysitters, Partnered Childcare Centers（approximately 1,000
locations as of April 2009）and other systems have been initiated.

and services it provides to customers worldwide by developing theabilities of its employees.

Tokio Marine Group Corporate Social Responsibility Report 200917

Responding to Climate Change

The Tokio Marine Group’s Challenge
In order to offer products and services stably well into the future, the Tokio Marine Group has been conducting research
into risks associated with climate change risks and global warming, as well as promoting the development and provisionof products and services that are responsive to these new risks.

An Overview of the Tokio Marine Group’s Initiatives
The incidence of natural disasters worldwide (including typhoons,research into risks associated with climate change and global warming,

hurricanes, and torrential rain) that cause significant losses has been on

as well as promoting the development and provision of related products

the rise in recent years. If the incidence of natural disasters attributable toand services.

climate change and global warming should continue to increase in the

Tokio Marine & Nichido has also been promoting these activities with the

future, the frequency of accidents and the amounts of claims to be paidannouncement of the "Comprehensive Program on Global Warming" inwould also rise, especially in such areas as property insurance andNovember 2007, which established a framework for climate-change strategies

automobile insurance. Consequently, we have to recognize that climate

and clarified the Company’s position on tackling the issue of climate change.

change and global warming pose major risks to the management of theReceiving high acclaim for these comprehensive initiatives, Tokio Marine &insurance business hereafter.

Nichido was certified as an "Eco-First Company" in November 2008 based on the

The Tokio Marine Group has been making a cross-organizational effort
since December 2006 to promote the "Global Warming Research Project."
In particular, Tokio Marine & Nichido, the Tokio Marine Research Institute"Eco-First Program" established by the Ministry of the Environment of Japan.
Web

Tokio Marine & Nichido's Comprehensive Program on Global Warming:

http://www.tokiomarine-nichido.co.jp/english/new/pdf/0711121.pdf

and Tokio Marine & Nichido Risk Consulting have been conducting■ The Tokio Marine Group’s response to climate change
Items

Risk research

Provision of products and services

Reducing an environmental impact,raising environmental awareness andcontributing to society

18

Content

Main Components
The Tokio Marine Research Institute, Tokio Marine & Nichido,Tokio Millennium

Surveys and research into risks related to climate

Re (Joint research undertaken by the University of Tokyo and Nagoya University)change and global warming

Global Warming Research Project (Members: Tokio Marine & Nichido,

Development and provision of related products and services

Tokio Marine & Nichido Risk Consulting and other Group member companies)that adapt to and mitigate climate change and associated risksGroup member companies

Tokio Marine Group Corporate Social Responsibility Report 2009

Reduce environmental impact during business activities(greenhouse-gas emissions, paper resources and others)

Pages

P.21

P.20-21

P.22-23,25

For more information please visit : http://www.tokiomarinehd.com/en/social_respon/contribute/environment.html

The Role of Insurance Companies toward a Sustainable Society
Amid concerns about the increasing incidence of large-scale naturalaccomplished by underwriting insurance (including property insurance,

disasters due to climate change and global warming, the insurance

liability insurance, casualty insurance, export credit insurance and others)

industry is expected to offer assistance measures to society through theand providing disaster prevention and risk management services for suchprovision of specialized knowledge in such areas as the payment of

global companies.

claims, risk assessment and asset management. In addition, one
important role played by insurance companies is the provision of
insurance systems as well as disaster prevention and risk management
services in developing countries and regions that are vulnerable to theimpact of climate change.
For example, we believe that assistance can be provided in developing
insurance systems as mechanisms that compensate for economic losses
due to such phenomena as typhoons, hurricanes and torrential rains. For
this reason, it is critical to form partnerships between government andbusiness and assume a variety of roles to achieve these aims.
By actively participating in such endeavors, the Tokio Marine Group has
been aiming to assist in regional developments worldwide. Furthermore,
the Group has proactively supported a greater degree of technology
transfers to developing countries by companies that possess superior

Voice

To Protect Citizens and Society from Natural Disasters
For responding to changing and increasing risks from climatechange-related natural disaster risks, disaster prevention andinsurance (disaster recovery) functions areindispensable. The Tokio Marine Grouphas been making full effort to protect
citizens and societies in developed
countries such as Japan as well as
developing nations from natural disasters
and is going to make full use of its risk
Terumasa Miyoshi
Managing Director andmanagement technology to fulfill thisSenior Research Officer,
The Tokio Marine Research Institutemission.

energy conservation and environmental technologies. This is

Topics

Initiatives to Form Partnerships with Insurance Companies Worldwide

The Geneva Association—a nonprofit organization composed of

improvements in construction standards and climate change risks, theapproximately 80 executives from major insurance companies and reinsurance

funding of related research and undertaking initiatives in other areas.

companies around the globe—launched the CC+I Project* in FY2008 to

In anticipation of the COP15 of the United Nations Framework

conduct surveys and research from a wide array of perspectives into theConvention on Climate Change (UNFCCC) that will be held at the end of

economic and social impacts of climate change and related insurance. The

2009, insurance industry leaders are emphasizing their ability to provide

Geneva Association adopted the Kyoto Statement in May 2009. The Kyoto

supplementary functions as part of comprehensive measures forStatement is the first declaration made by the insurance industry thatcountries and businesses that are directly affected by climate changesummarizes the roles that the industry must take on in response to risks posedrisks. These actions are taken from the standpoint of the insurance

by climate change in light of the impact climate change is exerting on society.

industry as a body that is able to provide specialized services.

In order to achieve a sustainable society, the Kyoto Statement
reaffirms the responsibilities of the insurance industry with regard tocustomer support through actions that alleviate and address climatechange. Such measures include promoting investment in further
research, innovative insurance product design and the implementation of
low-carbon energy projects.
Furthermore, the insurance industry declares its support for policy
makers by actively cooperating in efforts to draw attention to* CC+I Project: Climate Change and Insurance

Web

The Geneva Association Website:

http://www.genevaassociation.org/Home/Climate_Change.aspx

A scene from the announcement made at
The Geneva Associations annual general assembly

Kunio Ishihara
Chairman of the Board,
Tokio Marine & Nichido

Tokio Marine Group Corporate Social Responsibility Report 200919

Responding to Climate Change

Climate Change Adaptation and Mitigation
All Tokio Marine Group member companies have been promoting measures that reduce an environmental impact on
customers and society by providing products and services that adapt to and mitigate climate change.

Initiating Green Gift Project
Insurance companies use a large volume of paper resources in their daily

inconvenience to customers because they can read the content of clauses

operations for documents ranging from application forms, insurance

and policy details on the Company’s website screen whenever they like. At

clauses, insurance claim forms to manuals. While all the members of thethe same time, Tokio Marine & Nichido has been promoting the mangrove

Tokio Marine Group have been trying to reduce the volume of paper theyafforestation project focused on South East Asia, through monetaryuse, they have heard customers comment that "there are too many

donations (Green Gift) to nongovernmental organizations. Specifically, forcontract-related documents" and say to the extent that they "would noteach customer who chooses web clauses rather than paper ones, we willmind if insurance clauses and the like in paper should be dispensed with."

donate money equivalent to two mangrove seedlings to NGOs, etc.*

On the strength of such opinions, Tokio Marine & Nichido has initiatedFurthermore, with the introduction of web clauses, which provide

the Green Gift Project from July 2009 in the fields of automobile insurance

information on the content of such documents as insurance policy guides,

and super insurance, the project being a switch from paper-based

Nisshin Fire & Marine Insurance has introduced innovative ways to makecontracts to the accessible web-based format.

it easy for customers to verify such matters as insurance coverage andWith the increase of customers who opt for a web, rather than aprocedures when accidents or contract changes occur.

printed, version of insurance clauses, Tokio Marine & Nichido will be able
to reduce the volume of paper it uses significantly without causing any*The amount of CO2 that is absorbed by two mangrove trees is said to be equivalent to thevolume of CO2 emitted by an automobile driven for the distance of 1,000km.

■ Effect of the Green Gift

The amount of paper reduced stood at approximately 1,500 tons
(The result when the ratio of the number of web-based contracts became 60%)
(Reference: The amount of paper used by Tokio Marine & Nichido in FY2008 amounted to 10,065 tons)

Customers choosing web clauses whenconcluding an insurance contract

Two mangrove saplings are donated toSouth East Asia countries per
web-based contract

The absorption of CO2 by mangrove
trees contributes tothe alleviation of global warming

Giving Environmental Considerations in Automobile Repairs
When repairs are made to automobiles, Tokio Marine & Nichido

repairs were made by using recycled parts.

encourages environmentally-friendly methods to customers, that is, to fix

The environment-friendly automobile insurance, "Asante," sold bydamaged parts and use them whenever possible or to use recycled or

Nisshin Fire & Marine Insurance provides a 10% discount on insurance

rebuilt components in the event of the damaged parts being beyond

premiums for policyholders who have agreed to have their vehicles

repair. Thus, the Company endeavors to reduce industrial waste and makerepaired, in the event of an accident, at garages designated by themore effective use of resources.

Company and by making use of recycled parts.

In FY2008, there were approximately 170,000 cases where bumper

20

Tokio Marine Group Corporate Social Responsibility Report 2009

For more information please visit : http://www.tokiomarinehd.com/en/social_respon/contribute/environment.html

Upgrading Approaches to Natural Disaster Risk Assessment Approach
The insurance business has a highly social and public nature and bears

University of Tokyo, Tokio Marine & Nichido and the Tokio Marine Research

the social mission of stabilizing the foundations of people's lives. For thisInstitute have been upgrading their natural disaster risk assessment

reason, insurance companies are under obligation to secure their financial

approaches by utilizing the world’s top-class climate models developed bysoundness and continue to provide products to customers stably for a longthe university. In addition, through a partnership with Hydrospherictime and at appropriate levels of insurance premiums.

Atmospheric Research Center of Nagoya University, which analyzes

Costs of insurance products are determined "after the fact," beingchanges in the nature of typhoons occurring around Japan due to climate

dependent on the frequency and severity of risks (accidents). For this verychange, Tokio Marine & Nichido has been conducting research on how thereason, big changes in the frequency of natural disasters and the scales ofincrease in typhoon risks affects the amount of insurance claim payments.

damage due to climate change and global warming make it very difficult

Furthermore, Tokio Millennium Re (Bermuda) has been conducting

for insurance companies to calculate appropriate insurance premiums, set

surveys and research on climate change and global warming, with a focus

up adequate liability reserves against the payment of insurance claims inon North Atlantic hurricanes. To further its research, Tokio Millennium Re

the future or make proper arrangements for reinsurance, should they

has undertaken actions that include regularly holding the Summit on

continue to rely only on the assessment of risks based on the past

Global Warming and Climate Change, by inviting front-line specialists

statistical data.

who study climate change-related risks and provide the assessment ofIn the circumstances, the Tokio Marine Group has been making effort

risks caused by natural disaster risks worldwide.

to meet with such a situation by utilizing "climate models" which enable

The Tokio Marine Group has been contributing to the realization of a

us to forecast future climates based on computer simulations, in addition

sustainable society by linking research findings on climate change andto the forecast mainly by the past statistical data.

global warming to the development and provision of products andIn cooperation with Center for Climate System Research of the■ A typhoon-simulation model

services while communicating this information to society.
■ Upgrading natural disaster risk assessment approaches and their application

Conventional approach
Statistical and engineering-based risk assessment based on past natural disaster and accident data

Future approach
Risk assessment that also considers predictions based on climate models and other approaches
Application

Establish a practical insurance underwriting scheme(setting insurance premium rates, accumulating liability reserves, arranging for reinsurance)

Business Continuity Plan (BCP)(Claims service system and others)

Develop new products and services
Provided by Japan Agency for Marine-Earth Science and Technology (JAMSTEC)

Supporting Life in Society through Weather Insurance
Since 2004, IFFCO-TOKIO General Insurance in India has been underwriting weather insurance that compensates Indian farmers for the risk of
reduced income during periods of drought.
Given that there are many areas in India where irrigation and otherIndian farmers.
These measures help to develop insurance products through theutilization of knowhow held by Tokio Marine & Nichido and Tokio Marine
Financial Solutions regarding sales of weather derivatives and analysis ofwater sources are limited, annual grain harvests can be significantly

climate data as well as through the calculation of such events as theaffected by weather in any particular year. When a drought occurs during

probable occurrence of a drought based on extensive weather data

the monsoon season (June through September), weather insurance

collected in India over the past 100 years. In addition, Tokio Marine Newa

provides a fixed level of compensation corresponding to the degree of thein Taiwan has been selling weather insurance (typhoon type) todrought. Such products contribute greatly to stabilizing the livelihood ofcompensate for typhoon-related damage since 2005.

Tokio Marine Group Corporate Social Responsibility Report 200921

Responding to Climate Change

Aiming to Reduce Environmental Impact
The Tokio Marine Group consumes a large volume of paper resources and energy in the course of its business activities. The
Group has been making continued efforts to reduce to the maximum extent possible these types of environmental impact.

Promoting Environmental Management Systems
The Tokio Marine Group advances its global environmental protection

Reducing the Environmental Impacts from Business Activities

activities by appointing key personnel for promoting social andEach member company of the Tokio Marine Group has been promoting

environmental activities at major member companies of the Group.

energy conservation activities, including the introduction of energy-

Since FY1999, the Head Office of Tokio Marine & Nichido has adopted

efficient buildings and facilities, setting office air conditioners at

an environmental management system based on the ISO14001

appropriate temperatures and turning off lights during lunch breaks.

environmental management standard. Tokio Marine & Nichido Facilities

Moreover, the Group has undertaken initiatives to reduce the amount of

has adopted the system since FY2006. Tokio Marine & Nichido (excluding

paper used by promoting paperless and other measures based on thethe head office) and all domestic member companies of the Tokio Marine

elimination and digitization of various types of books and slips.

Group have introduced a unique environmental management system of

In FY2008, the volume of CO2 emissions produced by buildings used bytheir own ("Green Assist"). In addition, steps are being taken to protect

domestic Group member companies totaled 68,637t-CO2, which is

the global environment through the implementation of the plan-do-

attributable to an expansion in the scope of data calculation and a shiftcheck-act (PDCA) cycle and to reduce the environmental impacts fromin the CO2 emission coefficient related to the use of electric power. The

business activities. The Group will also expand the scope of its

amount of paper used by Tokio Marine & Nichido totaled 10,065 tons, aunderstanding of the environmental impact data related to overseas

reduction of 10.4% on the previous fiscal year.

Group member companies. Internal and external audits based on

As a medium-term target, Tokio Marine & Nichido has established a

ISO14001 have detected no major problems or violations of environmen-

6% reduction in CO2 emissions against the FY2006 level by FY2012. In

tal laws, and no complaints from customers regarding the environment

FY2008, the amount of CO2 emitted was 63,801t-CO2,* which is anhave been filed with the Tokio Marine Group.

increase of 2% on FY2006 but a decrease of 2.4% on FY2007.
* In order to reflect reduction efforts more accurately, the total amount of CO2 emitted by Tokio
Marine & Nichido was calculated using the FY2006 coefficient.

■ Environmental impact data (Tokio Marine Group (Japan)*1)

Units

FY2007

FY2008（t-CO2）80,000Electric power used1000 kWh

108,886

119,958

Gas used

1,000m3

1,614

1,447

70,000

Other fuel used

GJ

53,36755,86060,000Gasoline used

kl

4,533

4,663

50,000

Water used

1,000m3

537

535

40,000Paper used*2t

11,23010,06530,000● Method of calculating environmental-impact data

•The volumes of paper and gasoline used constitutes performance data. The volumes of electric
power, natural gas, other fuel and water used has been calculated as percentages of floor areasused in the Company buildings (not including areas occupied by tenants).
•The CO2 emission volume is calculated based on the amount of electricity, natural gas, other fueland gasoline used. For natural gas, gasoline and other fuel, the emissions coefficient pursuant to
the "Calculation, Reporting and Publication System for Greenhouse Gas Emissions" is used. For
electric power and natural energy, emissions coefficients from power suppliers are used.
(Reference value) Estimated values for the total CO2 emission volume of the Tokio Marine Group in
FY2008—which have been calculated by multiplying the total floor space by the CO2 emission
volume per floor space used—totaled 90,329t-CO2, with 71,741t-CO2 of this amount emitted by
Tokio Marine & Nichido (65,401t-CO2 in FY2007).

22■ Emissions of carbon dioxide from energy sources (Tokio Marine Group (Japan)*1)

Tokio Marine Group Corporate Social Responsibility Report 2009

68,637
7,724
53,83591 Buildings
2,367

9 Buildings

9,238

3,831

Key Tokio Marine
Group member
Nisshin Fire
Tokio Marine & Nichido

51,67520,00085 Buildings

47,637

10,000134 Buildings

FY2007
Building spacecovered(85 Buildings): 43,261

0

2007

2008

* 1: 25 Member Companies of the Tokio Marine Group
Although 94 company buildings were covered in FY2007, the number has
increased to 225 buildings (equivalent to approximately 77% of the floor spaceused by all member companies) in FY2008.
* 2: Numerical values are for Tokio Marine & Nichido onlyFor more information please visit : http://www.tokiomarinehd.com/en/social_respon/contribute/environment.html

Initiatives to Become Carbon Neutral
Making the Transition to Carbon Neutral Business Operations

this mangrove afforestation project, which protects both the earth andTokio Marine & Nichido offsets the CO2 emissions produced by its

people's lifestyles, for 100 years.

business activities with the purchase of green electricity, mangroveafforestation that absorbs CO2 emissions and the retirement of emission■ Project phases and mangrove afforestation performance

Project phases(FY)

Afforestation performance(ha)Phase 1

1999-2003

3,444

Phase 2

2004-2008

2,457

credits. With the shift of the Company's domestic offices to carbon
neutral operations*1 at the end of FY2007, Tokio Marine & Nichido has
become the first Japanese financial institution to be independently
verified*2 as "carbon neutral."
The Tokio Marine Group aims to become entirely carbon neutral by the endof FY2011 by further promoting efforts to reduce its environmental impact.

■ Afforestation targets and performance (as of FY2008 year-end) (in hectares)
Myanmar
1,289
1,150

* 1: The carbon neutral state means that carbon dioxide emitted in the course of a company's
business activities is in volume equivalent to carbon dioxide absorbed and reduced by way ofafforestation, use of natural energy and acquisition of carbon credits by such a company.
* 2: Ernst & Young ShinNihon Sustainability Institute Co., Ltd.

Vietnam
1,215
1,150

Philippines
610
450

Thailand916
900■ Carbon neutral state at Tokio Marine & Nichido

CO2 emissions associated with domestic

65,401

ｔ-CO2

Green electricity purchased in FY2007

(555)

ｔ-CO2

CO2 removals by mangroves in FY2007(30,000)

ｔ-CO2

CO2 offset by retirement of Kyoto credits(35,000)

ｔ-CO2

(154)

ｔ-CO2

business activities in FY2007

Net Total

Indonesia
1,814
1,300

Fiji
57
50

Key:
Afforestation performance
Afforestation targets

Mangrove Afforestation Project
Taking into account the volume of CO2 emissions produced by theCompany's business activities that afforestation is able to absorb, Tokio
Marine & Nichido began implementing a mangrove afforestation projectin 1999 in South East Asia. Between FY1999 and FY2008, 5,901 hectaresof forests had been planted in six countries. Tokio Marine & Nichido
began the third phase of this project in FY2009 with the objective ofplanting 2,300 hectares over five years ending in FY2013 in sevencountries—among which India has recently been included. This project
has been implemented in partnership with the nongovernmentalorganizations Action for Mangrove Reforestation (ACTMANG), OISCA
and the International Society for Mangrove Ecosystems (ISME).
Mangrove trees help prevent global warming by absorbing a large
volume of carbon dioxide and can serve as bulwarks to protect people
from tsunamis and other hazards. In the tsunami that occurred in the
Indian Ocean as a result of the earthquake off the coast of Sumatra in
December 2004, villages situated behind mangrove plantations were
protected from the tsunami. In addition, by providing fishery, forestry andother resources essential to local residents' lifestyles, mangrove trees
contribute to sustainable development in the areas in which they areplanted. This, in turn, stabilizes and improves the lives of these residents.

Voice

Comment from a Participant in the Mangrove Afforestation Project
Ten years ago, in my home town
located in southern Vietnam, we wereable to swim and go fishing in theriver. But now, everything haschanged. We cannot swim in the river
anymore and we cannot find any fish
Emily Ngan
because they cannot live in the
Accounting Manager,
Vietnam International
polluted water. The environment for
Assurance Company
living surrounding us has deteriorated.
In Vietnam, people have not recognized the importance of "Green
Forests." However, thanks to this Mangrove tour, people will start
thinking about the importance of protecting our environment.
Joining the Mangrove tour, I had a chance to meet friends
from Japan, experience mangrove planting, and enjoy purewater, and air, and have a good time with children.
The tour was an exciting and valuable experience for me. I
hope I will have a chance to join the "Green Volunteers
Mangrove Planting" again.

Tokio Marine & Nichido has declared its intention to continue with

Tokio Marine Group Corporate Social Responsibility Report 200923

Collaborative Work with Local Communities and Societies

Contributing to the Creation of an Affluent
and Comfortable Society
In concert with the people around the globe, the Tokio Marine Group has been undertaking a wide array of activities
worldwide based on the idea of contributing to the creation of a society that is affluent and comfortable.

The Tokio Marine Group's Involvement with Society
The business activities undertaken by the

global environment," "safety and security"

matching-gift and other support systems as

Tokio Marine Group depend upon theand "the growth of young people."well as the deepening of partnerships withAt each of the Group member companies

support it has gained from customers,

regional nonprofit organizations.

agents, local communities and otherlocated worldwide, a wide variety of

stakeholders. In the belief that contributing

activities that contribute to local communities

these initiatives from belief that the

to local communities and societies

and societies are being implemented bycontinuation of such activities is essential

worldwide as a good corporate citizen is antaking local features into account. Each Groupfor realizing a sustainable society.

important mission, the Group supports its

member company further promotes such

employees' voluntary participation insocial contribution activities through theactivities focused on "the protection of theenhancement of volunteer leave,

The Tokio Marine Group will promote■ Themes for undertaking contribution activities in local communities and societies

Protection of the
global environment

Growth of young people

24

Tokio Marine Group Corporate Social Responsibility Report 2009

Safety and security

Keiko Fujita
Manager,
CSR Sec., Corporate Planning Dept.,
Tokio Marine Holdings

For more information please visit : http://www.tokiomarinehd.com/en/social_respon/stakeholder/social.html

Raising Environmental Awareness through the Mangrove Afforestation Project
The 10th Annual Volunteer Mangrove Afforestation Project

The course deals with various effects of mangrove trees and theOnce a year, the Tokio Marine Group holds volunteer mangrove planting

Company's activities involving the recycling of uniforms, creating opportunities

events. Recruiting volunteers from among the Tokio Marine Group's

for children to think about the importance of environmental protection and to

employees, agents, retired employees and their families, this program

take action to protect the environment. This was achieved by showing videos

provides opportunities for environmental education and internationalof the beautiful mangrove forests and sharing the experiences of thecultural exchange. Consequently, the 10th volunteer tour, held in FY2008,

employees and agents who volunteer in the mangrove afforestation project.

took 41 participants to Nha Trang, Vietnam, where they planted
approximately 22,000 trees in three days.

"Green Lessons: The Mangrove Story" Staged Nationwide
The Tokio Marine Group has prepared an environmental education
program based on the theme of preventing global warming and ecologicalpreservation, which entails visiting schools where classes are conductedby employees, agents and other individuals.
The Group commenced this program in FY2005. Through March 2009,
approximately 15,000 children had taken part in the course, which washeld across Japan at approximately 210 elementary schools and schools
for students with special needs.

The "Green Lessons" held at Shimizu Elementary School

Supporting the Pink-Ribbon Movement
Tokio Marine & Nichido Life supports the Pink-Ribbon Movement, a campaignthat communicates the importance of the early detection of breast cancer by
the nonprofit organization J.POSH (Japan Breast Cancer Pink-Ribbon
Movement). In FY2008, this street campaign was held at over 80 locations
nationwide and included handing out leaflets that emphasize the importanceof mammography examinations to detect breast cancer at an early stage.
Moreover, the Company has been lending its support since FY2006 to
the Pink-Ribbon Kids & Family Program held by J.POSH in order to provide
a venue for exchanges among mothers who have suffered from breast
cancer and their families. Holding this program in eight locations acrossJapan in FY2008, the Company lent its cooperation and support throughactions that included providing venues and encouraging employees to

The Pink-Ribbon Kids & Family Program

participate as volunteer staff.

Tokio Marine Group Corporate Social Responsibility Report 200925

Collaborative Work with Local Communities and Societies

Activities Contributing to Local Communities and Societies around the World
Donations for Sichuan Earthquake in China

Scholarship Program in Brazil

Tokio Marine Holdings donated ¥10 million to nongovernmental organizations

In September 2008, Tokio Marine Seguradora S.A. in Brazil, along with(NGO) to support relief efforts for victims and areas hit by China's Sichuan

Tokio Marine & Nichido, Tokio Marine Holdings and various Japanese

Earthquake. Also, a total of ¥7,433,171 collected from the Group employees

companies located in Brazil, established a scholarship program at theand agents worldwide was donated to the Red Cross Society of China.

University of São Paulo, as part of events commemorating the 100th
anniversary of the start of Japanese immigration to Brazil. This

Scholarship Program for Children in Thailand

scholarship is managed by "Ryoyu Association," which was set up in April

In partnership with National Council on Social Welfare of2008 by the Mitsubishi Group

Thailand, The Sri Muang Insurance Co., Ltd. and Millea Life

companies in Japan andInsurance (Thailand) Public Co., Ltd. (both in Thailand), Tokio

Brazil. Through thisMarine Asia Pte. Ltd. (in Singapore), and Tokio Marine & Nichido

scholarship, support is being

have been engaged in scholarship programs in Thailand since

provided for the students of2005. These scholarships will help approximately 330 students of

the University of São Paulojunior / senior high schools

who will participate inand universities

exchange programs in Japan.

The signing ceremony at the University of São Paulothroughout Thailand who
face difficulties continuing

Charity Events and Support Given by the UK

their studies for economic

Tokio Marine Europe Insurance Limited (TMEI), the UK based subsidiaryreasons to provide tuition,that has a network throughout Europe, provides donations throughuniforms, and expenses forvarious charity events. In 2008, TMEI sponsored charitable sports

learning materials.

The 4th scholarship conferment ceremony

events such as the Cancer Research UK Bobby Moore fun run andCanary Wharf abseil (from 230ft -high building). In addition TMEI has

Clean Up Event in UAE

made a significant donation to the international development charity

In December 2008, Dubai office of Tokio Marine & Nichido in the United

EveryChild for a project based in Europe to work with children who are

Arab Emirates (UAE) took part in a "Clean Up UAE" event, hosted by theseparated from their families

Emirates Environmental Group (EEG) *. Approximately 30 volunteers fromor communities, and withthe office participated in this activity. During the "Clean Up UAE" event,

those who are at risk of

the EEG undertook cleanup activities in 44 locations within seven

separation. In total, TMEI

emirates, with 23,000 volunteers.

has made ￡40,000* The EEG was established in 2002 as a government-approved organization with the aim ofpromoting environmental conservation throughout the UAE.

charitable contribution throughthese kind of charity eventsand organizations in 2008.

The participants of the Bobby Moore fun run

Reforestation Activities in Mexico
Our local subsidiary in Mexico, Tokio Marine Compañía de Seguros, S.A. de C.V.
has been undertaking volunteer reforestation activities since 2006. In August
2008, 183 volunteers of local
employees and their families,
along with 30 regional
volunteers and NGO staffs,
participated in planting 3,500
trees in the Lagunas deZempoala National Park, located
The volunteers of the "Clean Up UAE" event

26

Tokio Marine Group Corporate Social Responsibility Report 2009

in a suburb of Mexico City.

The volunteers of the reforestation activities

Comment from a Third Party

Chief Executive, E-Square Inc.

Peter David Pedersen

ProfileBorn 1967 in Denmark. Graduated from Institute of Anthropology, Copenhagen University. Was the main news caster at
Tokyo MX TV from 2000 to 2001. In September 2000, established the CSR/sustainability consulting firm E-Square Inc.
and took the position of Chief Executive. Has worked on numerous projects with Japanese corporations on
CSR/sustainability strategy, communications, education, and marketing.

In these last few years, I have participated in Tokio Marine & Nichido's CSR

communication of Tokio Marine & Nichido is entering a period of transition. In

dialogue and have thus had the opportunity to follow the evolution of thethe near future, I believe it will be necessary to take a more strategic approachcompany's CSR management. As I looked through the CSR Report 2009, I first of

to CSR communications, customizing reporting format to target stakeholders

all noticed the steady development of the company's CSR activities. In the below

such as customers, sales representatives, and group staff.

I shall (1) point out the positive aspects of the CSR Report 2009, (2) provide
suggestions for the further strengthening of CSR communications, and (3)3. Thoughts on the further improvement of the group CSR management

provide thoughts on how to further improve the company's CSR management.

As the Tokio Marine Group has now set up a new CSR management
structure, I would expect action in two different areas from the company. First,

1. Positive aspects of the CSR Report 2009is the establishment of a global CSR management structure strategy and KPIs

First of all, the report has become easier to read thanks to a clear focus, very

covering domestic and overseas group companies. Second, I would expect theaccessible layout, and a significant reduction of the number of pages.

company to engage both industry and society proactively, in particular when it

Other positive aspects were the explanation of the CSR management

comes to climate change and the loss of biodiversity – two of the largest risks

structure and the disclosure of the company's CSR KPIs.

humanity is facing today. I hope that the company, as a leader in Japanese

Furthermore, the explanation concerning material CSR issues as well as theindustry, will work to influence other corporations and be proactively involved

clear emphasis placed on the communication of these key themes contributed

both in the establishment of systems and rules for an eco-friendly society into the improvement of the report.

Japan and in global collaborative initiatives.

2. Suggestions for the further strengthening of CSR communication
As is the case with many companies today, it appears that the CSR

Responding to the Commentsfrom a Third Party

General Manager,
CSR Sec., Corporate Planning Dept.,
Tokio Marine Holdings

Mitsuru Muraki

In July 2009 the Tokio Marine Group established the CSR Section within the

Moreover, the Group is determined to

Corporate Planning Department of Tokio Marine Holdings and has thus

promote the appropriate disclosure ofstrengthened its system for promoting CSR activities. Receiving Mr.

information and high-quality CSR

Pedersen's opinions sincerely, the Group will continue its efforts to tackle

communication by enhancing two-way

important CSR issues globally, including measures in response to climate

dialogues with all stakeholders.

change risks and contribute to finding solutions to social issues from a wider
perspective towards the realization of a sustainable society.

Tokio Marine Group Corporate Social Responsibility Report 200927

Tokio Marine & Nichido Fire Insurance Co., Ltd. and
the Asahi Shimbun Company have established theChildren's Environmental Award as a pillar of theirefforts to promote environmental awareness andsocial contribution activities. The award is forelementary school children—children in higher
grades are asked to write essays on the global
environment, while children in lower grades submit
pictures they have painted. For this inauguralcompetition, students from across Japan submitted a
total of 2,810 items, and, after impartial judgment, two
minister's prizes were awarded, one from the Ministryof Education, Culture, Sports, Science andTechnology and the other from the Ministry of theEnvironment. These were presented to a child fromthe higher grades and one from the lower grades,
respectively. Also announced were eight awards forexcellence and 16 honorable mention awards. In
addition, the Tokio Marine & Nichido Award and otherawards for groups were presented to four schools.

CSR Sec., Corporate Planning Dept.
Tokio Marine Nichido Building Shinkan, 1-2-1, Marunouchi, Chiyoda-ku, Tokyo, 100-0005 Japan
Tel : +81-3-6212-3450
Fax: +81-3-6212-3711

e-mail : CSR@tokiomarinehd.com
U R L : http://www.tokiomarinehd.com/en/index.html

Tokio Marine Group Corporate Social Responsibility Report 2009Part of award winning works
for the Children's Environmental Award.