Inspiring confidence.
Accelerating progress.

and for future generations.

Inspiring confidence.
Accelerating progress.

As Group CEO, I am committed to fulfilling this expanded role. The key is building a robust

We provide support, strength, and stability to our customers and society in a world

and agile Group: robust so we can always be there for our clients and society in their times

filled with risk. We give people the confidence to explore new possibilities and takeof need; agile so we conceive and create innovative solutions for stakeholders around thethe next step forward.

The world is facing an unprecedented rise in the complexity, volatility, and frequency ofrisk. Insurance companies must not only respond to disasters, but also work to reduce theiroccurrence and impact, thereby contributing to a more sustainable society both today

globe. This unwavering dedication builds trust, which enables us to generate growth forourselves, our clients, and society.

We help build more resilient economies, industries, and societies in a rapidly

Tokio Marine Group brings industry-leading expertise and is always at the forefront ofemerging risks. Our global expansion is supported by top specialty companies thatchanging world. This has been our mission since our founding and will remain ourguiding purpose.

leverage their expertise across our worldwide network. Guided by a diversified
top-management team, these companies operate autonomously to serve local
stakeholders, yet remain fully dedicated to our common purpose and vision.

With over 140 years of experience and expertise spread across a global network –supported by technology and empowered by a corporate culture dedicated to doing
the right thing – we harness the power of confidence for our customers and society.

As a robust and agile Group, we will continue creating value for our clients, stakeholders,

We are the Tokio Marine Group.

and society.

President and Group CEO

Satoru Komiya

Global Network & Growth

History of the Tokio Marine Group
Social Innovation
2.1 Resilient Society
Japan has suffered greatly from natural disasters, and throughout
our history we’ve responded in full. Our focus now is on
minimizing the impact of future events and quickening responsetime across our global network.

Market Leader & Pioneer

2.2 Social AdvancementUnderwriting renewable energy and refining our predictive capabilities
exemplify the many efforts we make to reduce the risks
our clients face.

1.1 New Products
Having pioneered automobile and liability insurance in Japan, we
now develop new products on a global scale, accelerating theevolution of society and technology, while constantly adapting tonew risks.

3.1 Global Roots
In our first year, we established operations in Busan, Shanghai, andHong Kong; in the following year, London, Paris, and New York. Tokio
Marine has always facilitated global trade and economic growth.

**Data begins in 2002 when the Tokio Marine Holdings Groupwas created.

3.3 Partnership & JV
We collaborate with public and private ventures to promote research
and accelerate the creation of new technologies for insurance
products, claims processing, value-added services, and risk solutions

Tokio Marine Holdings
Company Established
Introduced Japan’s first integrated lifeand non-life insurance solution

Began Providing
Life Insurance

Founded as the First Insurance
Company in Japan

International Insurance**

3.2 M&A Track Record
Since the early 2000s, Tokio Marine has expanded its global networkand diversified its business by acquiring world-class specialty companies,maximizing their potential across our global network.

1.3 Specialty Lines
Incorporating leading companies into the Group, we provide an
unmatched portfolio of products with specialty coverage forindividuals, businesses, families, governments, and non-profits.

1914*Data through 2001 is from Tokio Marine; from 2002 onward,
data reflects the combined totals of Tokio Marine andNichido Nisshin Kasai.

2.3 Social Contribution
As a responsible corporate citizen, we are involved in manyefforts to make the world a better place, including: combatingclimate change, promoting disaster-prevention education, andoffering micro-insurance in developing countries.

1.2 Total Solutions
Bringing integrated life and non-life policies to the market, as well
as global total-risk programs for commercial clients, the Group
creates synergy among the various offerings to ensure optimalcoverage.

1879

Domestic Non-Life Insurance*

1923

Launched the First Automobile
Insurance in Japan1959

The Great Kanto Earthquake

1996

Initiated Japan’sFirst Liability Insurance

Launched Cyber-Risk Insurance
Started to carry out mangrove
planting

Microinsurance (India)

1999

2001 2002Expanded Business in Europe
and the U.S.
Kiln joined the group
Philadelphia joined the group

2008

Great East Japan Earthquake

2011

2012

DELPHI joined the group

2015

HCC joined the group

2020

GCube to provide specialized
insurance solutions to offshore
wind power generators.
pure joined the group

About Tokio Marine & Our Global Network
International NetworkJapan
46 countries/regions

Total Assets¥27245.9 Billion( Approx.

Revenue Breakdown(ratio per area)

Japan

46%
54%

International$197.4 Billion)

Market Capitalization¥4847.0 Billion( Approx.

$35.1 Billion)

Net Premiums:
Written & Life InsuranceGroup companiesFinancial Ratings

268 subsidiaries
26 affiliates

A+Moody’s: Aa3A.M. Best: A++(As of June 2022 by Tokio Marine Nichido)¥4884.1 Billion( Approx.

$35.4 Billion)

43,000¥420.5 Billion(approx.)Japan: 25,000International: 18,000$3.0 Billion)※ 138JPY=1USD As of August 2022

Business Domains

Employees

Net Income( Approx.

S&P:Includes Group Companies, Investing Companies, Branches and Underwriting Agents(As of March 2022)

Non-Life Insurance (Japan)
Life Insurance (Japan)
Global (International) Insurance
Financial and Other Businesses

Sustainability: Building Trust, Cultivating Growth

The core function of insurance is to create sustainability insociety when people or businesses encounter risk or other

Improve Disaster Resilience

Facilitate Healthy and Fulfilling Lives

challenges, so we have always made addressing social
issues a priority. Our commitment to make the world a

8 Material Social Issues

better place — for this and future generations — inspires
and informs each one of our activities.

The Tokio Marine Group has always placed trust at the center of business, earning it by supporting customers

Leveraging our vast knowledge and experience accumulated over more than 140 years, we are able to makeand society in times of need. As part of our ongoing efforts, we’ve identified eight material social issues thatCombat Climate Changemust be addressed in order to facilitate sustainability on a global scale. The issues were prioritized based on
our desire to make the greatest impact in our role as a leader. Activities include everything from dealing withincreasingly valuable contributions to society. Such efforts

Promote and Support Diversityand Inclusion

climate change and reducing the severity of natural disasters to planting mangrove trees.

not only improve lives and help ensure a sustainable future,they also build trust and fuel our growth as a company.

Our employees, motivated by a belief in the power of insurance to benefit society, act with insight, knowledge
and dedication. Their efforts engender a virtuous cycle within the organization. This mindset leads to theToday, it’s more important than ever for society to embracedevelopment of innovative products and services, benefits local communities, and facilitates sustainable

the principles of sustainability and rebalance the over-em-

growth for the company. While our actions are making a positive difference today, the true beneficiaries ofphasis on short-term financial gain. For the Group, this isthese endeavors are generations yet to come.

a global concern that affects every aspect of ourbusiness, including supply chains and allothers with whom we collaborate.

Facilitate and Foster Innovation
Through Digitalization

Disclose Critical Information
in a Timely Manner

Protect the Natural Environment

Provide Education to ChildrenDigital: Accelerating Solutions

Our People: Empowered by Diversity

We generate an unprecedented amount of data from digital devices and technology. After

Diversity has always been central to our business practices and growth. In the workplace, itanalysis, the data is leveraged to enhance the knowledge and judgement of our people, thereby

ensures a broad range of views, skills, and abilities — enabling us to provide comprehensive

maximizing its value. This leads to a better prepared, more resilient society. Because

support to our clients and society; to offer the best ideas and solutions; and to confidently facesupporting our clients and local communities particularly in times of need is our fundamental

uncertainty and challenges on a global scale.

purpose, digital data is an indispensable tool.

It Will Change Everything
Going forward, we will not limit ourselves to data from our insurance-business activities; as innovators,

Leveraging
Collective Strength

Our global network is a diverse group of companies with diverse
employees working together seamlessly. Leveraging local expertiseand knowledge creates powerful synergies, so we are always
there for our clients — especially in times of need.

Securing Diverse Talent

Insurance is a business built on trust, which makes people ourmost valuable asset. To be an employer of choice, we provide aninclusive work environment that celebrates diversity and empowers
individuals, enabling each employee to contribute fully.

Doing the Right Thing

As a socially responsible organization that looks beyond profit,
we eliminate barriers to success and help each member of ourdiverse workforce achieve his or her full potential. Everyone
benefits: employees, the Group, stakeholders, and communities.

we will augment what we know with the knowledge and information of others. This gives
us a great advantage in addressing ongoing social challenges. In such areas as disasterprevention and mitigation, healthcare, and mobility, we will utilize data from various sources toenhance risk reduction, addressing challenges even before they occur. No longer limited toproviding financial support after the fact, we are redefining the role of insurance companies.

Leading the Way
Our global network is key to this new role. Harnessing the Group’s advanced capabilities, wecan create and implement high-quality solutions faster than anyone. We want to always be
there for our clients and local communities and to promote a safe and secure society — accelerating
its evolution. The strategic use of digital data brings that goal closer than ever.