MS&AD InterRisk Research & Consulting, Inc.

CORPORATE PROFILE

Message from the President

MS&AD InterRisk Research & Consulting, Inc., plays a central role in the risk-related services businesswithin the MS&AD Insurance Group's vision of “creating a world-leading insurance and financial servicesgroup”. For more than a quarter of a century, since our founding in January 1993, we have provided avariety of services that meet the diverse expectations of our clients, including consulting, research, surveys,seminars, lectures and writing reports on risk management. We have been able to consistently expand ourbusiness by gaining the trust of many clients by proposing solutions to social issues such as disasterprevention, disaster mitigation, and response to new risks. I would like to express my sincere gratitude toall of our clients.
In its "medium-term management plan (2022-2025)", MS&AD Insurance Group is carrying out a "CSV x
DX" strategy to solve clients' problems and social issues and achieve CSV (Creating Shared Value) which
includes the improvement of the customer experience value, by using digital technologies. MS&ADInsurance Group is trying to develop and launch products and services that offer new value before and after
coverage and protection, in addition to compensation for economic losses.
MS&AD InterRisk Research & Consulting, Inc., also established a medium-term management plan basedon "enhancing risk management and expanding business opportunities using digital technology and data"with the aim of dramatically increasing our corporate value. We will continue to use digital technologies
and data to advance the risk management services we have refined to date and create new services, toprovide more appealing and convenient means of resolving issues.
We, MS&AD InterRisk Research & Consulting, Inc., believe that our raison d'etre (purpose) is to contributeto the continuity and stable development of our clients' businesses by making both before and after coverageand protection robust and completing risk management. For the “before coverage and protection phase”, wewill continue to develop and provide solutions to prevent and predict accidents and disasters, remove thecauses of risk, and mitigate risk. For the “after coverage and protection phase”, we will keep developing andproviding solutions to accelerate recovery and restoration and minimize secondary damage.
As a risk-related consulting firm, MS&AD InterRisk Research & Consulting. Inc., has Japan's top-level
consultants and consulting services, and we are committed to improving our quality by refining ourhigh-level expertise. We will firmly establish our position as a platformer for risk solutions by meeting ourclients' expectations and earning their trust, and grow together with society.

Masashi Ippongi, President
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Message from the President | Overview MS&AD Group

Overview MS&AD GroupMS&AD Insurance Group inaugurated its operation in April 2010 as a consequence of management
integration amongst Mitsui Sumitomo Marine Insurance Group, Aioi Insurance Co., Ltd., and Nissay Dowa
Insurance Co., Ltd., and established a holding company, MS&AD Insurance Group Holdings, Inc. The group
has its business domain in domestic non-life insurance, domestic life insurance, overseas operations,financial services and risk-related services, and intends to grow further as a group by expanding business ineach area.

■ Aioi Nissay Dowa Insurance■ Mitsui Sumitomo Aioi Life Insurance■ Mitsui Sumitomo Insurance■ Mitsui Sumitomo Primary Life Insurance■ Mitsui Direct General Insurance

Domestic
Non-life Insurance
Business

FinancialServices
Business

Domestic
Life Insurance
Business

MS&AD InsuranceGroupInternational
Business

Risk-related
Services
Business

MS&AD InterRisk Research & Consulting

3

Corporate Message | MS&AD InterRIsk Research & Consulting’s VisionCorporate Message

Risk Solutions for Sustainability

MS&AD InterRIsk Research & Consulting’s Vision

Our Purpose
Contributing to Business Continuity
and Stable Development

Provide Seamless
Risk Management Cycle

By providing high-quality risk solutions,
we will contribute to business continuity
and stable development.

Deliver services before and after coverageand protection, and provide seamless
Risk Management Cycle (as a group).

Our Core Values
Provide high-quality Risk Solutions Services by constantly enhancing
our skills and proficiency.
Maintain and advance workplace environment where employees maintain their health andenable to work with vigor and enthusiasm and support their motivation to solve problems.

Respect the diverse ways people live their lives and work with pride and dignity.

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In the MS&AD Group’s risk management

MS&AD InterRisk Research & Consulting
uses digital technologies and data to play a central rolein the MS&AD Group’s risk management
MS&AD InterRIsk Research & Consulting creates new services and business opportunities using degitaltechnoligies and data before and after coverage and protection, and lead the MS&AD Insurance Group torealize it’s vision of “Platform Provider of Risk Solutions” as a core player.

Completion of the Risk Management Cycle

Identifying Risk andNotifying Customers

Reducing Economic
BurdenPreventing Risk Occurrence
and Minimizing Risk Effects

Preventative Measures

ComprehensiveCoverage

Minimizing Loss andFacilitating Rapid Recovery

MS&AD InterRisk Research & Consulting
Crisis Management

Integration Risk

Healthcare
Management

Workplace SafetyMobility Services

Cyber Security

Disaster Prevention
and Mitigation

Climate ChangeSDGsDigital

Data

Predicted Growth During Medium-term Management Plan Period（FY2022–25）

Fields for Services Utilizing Digital technologies and Data

Existing Consulting Service Fields
FY2022

FY2023

FY2024Creating new businessmodels and breaking into
new business fields

Utilizing digital technologies
and data to expand andfurther develop services

FY20255Company Overview
Basic Information
CorporateName

MS&AD InterRisk Research & Consulting, Inc.

Address

WATERRAS ANNEX（10th–11th floors）, Kanda-awajicho 2-105,Chiyoda-ku, Tokyo 101-0063

Date ofEstablishment

January 4, 1993

Capital¥330 million

Sales

4,630 billion（April 1, 2021 - March 31, 2022）

President

Masashi Ippongi

Number ofEmployees

350（as of April 2023）
Consulting

Business Fields

Consignment Survey & Research

Hold a Seminar / Dispatch a Consultant
Publication

History
The Sumitomo Marine and Fire Insurance Co., Ltd. and Mitsui Marine and Fire Insurance Co., Ltd. were merged in
October 2001. Corresponding to the merger, the risk consulting subsidiaries of these two insurance companies, TheSumitomo Marine Research Institute, Inc. and Interisk Corp. were merged and the former company named InterRisk
Research Institute & Consulting, Inc. was established. In April 2010, in consequence of the management integration ofthe three insurance companies, i.e. Mitsui Sumitomo Marine Group, Aioi Insurance Co., Ltd., and Nissay Dowa General Insurance Co., Ltd., each insurance company’s risk consulting firms, InterRisk Research Institute & Consulting, Inc.,
Aioi Risk Consulting Company, Limited and PHOENIX RISK RESEARCH INSTITUTE, LTD. were merged.
In 2018, InterRisk Research Institute & Consulting, Inc. and MS&AD Research Institute Co., Ltd. were merged and thecompany name was changed as MS&AD InterRisk Research & Consulting, Inc.
Sumitomo Marine
Research Institute1993

Interisk Corp.
1996
Phoenix Risk
Research Institute
1998

MSK ResearchInstitute1989

6Mitsui Sumitomo
Insurance Group Holdings
2008InterRisk ResearchInstitute & Consulting
2001
Aioi Risk Consulting
2001

Aioi Research Institute2005

MS&AD InsuranceGroup Holdings
2010InterRisk ResearchInstitute & Consulting
2010
MS&AD InterRisk
Research & Consulting
April 1, 2018
MS&AD Research Institute2010Company Overview | History | Organization Chart

Organization Chart
General Meeting of Shareholders
Board of Directors

Auditors

Risk Consulting Division

Management Committee

International Sec.

Risk Consulting Planning Sec.

Risk Management Dept. 1st
Risk Engineering Sec. 1st

Risk Engineering Sec. 2nd

Risk Engineering Sec. 3rd

Risk Engineering Sec. 4th

Risk Management Dept. 2nd
Mobility Sec.

Transport Risk Sec.

Traffic Safety Support Sec.

Service Unit / Tokyo Office / Sapporo Office / Nagoya Office / Osaka Office / Fukuoka Office

Risk Management Dept. 3rd
Crisis Management & Compliance Sec.

Enterprise Risk Management Sec.

Cyber Risk Sec.

Risk Management Dept. 4th
Human Capital & Health Management Sec.

Business Continuity Management Sec.1st

Business Continuity Management Sec.2nd

Medical & Welfare Market Sec.

Risk Management Dept. 5thSustainability Sec. 1st

Sustainability Sec. 2ndKansai Branch
Risk Management Sec.

Digital innovation Division
Digital innovation Planning Dept.
Digital innovation Planning Sec. 1st

Digital innovation Planning Sec. 2nd

Digital innovation Development Dept.
Digital innovation Development Sec. 1st

Digital innovation Development Sec. 2nd

Digital Production Dept.
Digital Marketing Sec.

Digital Production Sec.

Data Analytics Dept.
Risk Assessment Sec.

Corporate Planning Dept.

Corporate Planning Sec.

Corporate Management Dept.

Human Resources Sec.

Business Planning & Marketing Dept.

Business Planning Sec.

Research Dept.

Information Technology Sec.
General Affairs & Accounting Sec.

Business Support Sec.

Commissioned Research Sec.

Loss Data Service Sec.
Research Sec.

Overseas Subsidiaries
Interisk Asia Pte Ltd

InterRisk Consulting（Shanghai）Co., Ltd.

InterRisk Asia（Thailand）Co., Ltd.

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Consulting Menu

ERM（Enterprise Risk Management）
We provide comprehensive consulting services to establish risk management structure.

❶ ERM Consulting❷ Enterprise Risk Analysis and Assessment Consulting❸ Risk Management System Evaluation❹ Group Risk Management Evaluation❺ Overseas Risk Consulting

Sustainability（Business and Human Rights / Biodiversity / SDGs）
We support companies to address social and environmental issues such as biodiversity conservation, corporate greening,SDGs（Sustainable Development Goals）/ ESG（Environment, Social and Governance）, and "business and human rights".

❶ Business and Human Rights❷ Sustainability（Non-Financial Information）Disclosure Support❸ Sustainable Development Goals（SDGs）Support and Promotion❹ Biodiversity Consulting

Climate Change（TCFD / Carbon Neutrality）
We support companies to take actions for climate change risk such as TCFD（Task Force on Climate-related Financial Disclosures）
and decarbonization efforts including calculating the amount of GHG（Green House Gases）emissions and setting the target
amount of it.

❶ Climate Change Risk Analysis❷ Quantitative Risk Evaluation of Disasters❸ Creation of Flood Frequency Forecast Map Caused by Climate Change❹ Landside Risk Evaluation❺ Water Risk Evaluation（brief）

Disaster Prevention and Mitigation
We identify and assess risks of direct damage from fires and explosions, earthquakes and tsunamis, floods and storm surges,lightnings, etc., and indirect damage from business shutdown due to these disasters. We also propose concrete measures forthe disaster prevention and support companies to realize them.

❶ Flood Risk Consulting❷ Earthquake and Tsunami Risk Consulting❻ Chemical Leakage and Diffusion Simulation❸ Hazards and Disasters Research Report❼ Radiant Heat Calculation and Fire Extinction
Simulation❺ Risk Survey（Risk Assessment and Research）❾ Renewable Energy Related Service❹ Lightning Risk Consulting❽ Theft Risk Survey

Cyber Risk / Information Security
We assess cyber risks that companies face from a variety of aspects, provide one-stop support for establishing the multilayered
defense system, and offer consulting services for each phase of the cyber security measures framework: organizational structure
establishment, risk identification, defense, detection, and response / recovery.

❶ Cyber Risk Consulting❷ End Point Security and Management Security Service（"Bouken Cyber"）❸ Cyber Risk PML（Probable Maximum Loss）Calculation Report❹ Information Security Management Consulting

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Consulting Menu

Mobility
For the next-generation mobility field, we support the risk assessment for the automated driving, Mobility as a Service（MaaS）,and demonstrations of drones and automated delivery robots. For the transportation field, we support shipping companies,
such as "Transportation Safety Management" promoted by the Ministry of Land, Infrastructure, Transport and Tourism, risk
analysis and proposal of improvements in traffic flow at stores and facilities, and various preventions of traffic accidents.
We propose improvements based on actual conditions of logistics sites and also provide various services.

❶ Consulting Based on Data from Drive Recorder❷ Automated Driving and MaaS Demonstrations Support❸ Evaluation of Transportation Safety Management for Renewing the Bus Charter Business License❹ Transportation Safety Management Consulting❺ Driving Guidance Support Utilizing Eye Tracking Equipment❻ Consulting on the Introduction of "Countermeasures against Accidents Caused by Fatigue and Lackof Sleep Using Fatigue Measurement Software"❼ Elderly People Safety Drive Support❽ "Traffic Flow" and "Traffic Facilities" Consulting❾ Drones and Automatic Delivery Robots Demonstrations Support❿ Cargo Handling（On-site Survey / Issue Analysis / Consulting）Risk Survey⓫ A Check List of Working Conditions at Logistics Sites for Storage and Loading / Unloading（RiskAssessment for Enterprise）

Safety Culture / Occupational Safety and Health
Our experienced consultants conduct risk assessments to reduce the risk of workplace accidents and propose improvements
tailored to the size and type of business. We strongly support for fostering safety culture in organizations by proposing solutions
to issues regarding human or organizational factors.

❶ Occupational Safety and Health Consulting❷ Safety Culture Assessment❸ Human Factors Survey（for Countermeasures against Organizational Accidents）❹ Organizational Safety Culture Fostering Consulting❺ Employees（Organizations）Collaborations Enhancing Consulting

Human Resource and Health Care Management（including Mental Health Care and Support for Work / Life Balance）
We support companies to take actions regarding human resource management that lead to corporate value increasing andcreate the workplace where employees can work lively and effectively.

❶ Human Resource Management and its Disclosure（Evaluation / Consulting / Support for ISO30414
Certification / Introduction of HR Tools）❷ Healthcare Management Support（Evaluation / Consulting/Survey）❸ Balancing the Work and the Private Life Support（Nursing Care / Treatment）❹ Stress Tests of Employees（System / Support for the Effective Use of Results and Improvements）❺ Mental Health Care（Consulting / Training）

Crisis Management
We develop structure and rules and verify their effectiveness that can realize prompt and appropriate actions and appropriate
public relations in the event of crises.

❶ Crisis Management and Public Relationship Consulting❷ Overseas Crisis Management Consulting❸ Consumer Satisfaction and Complaint Handling Consulting

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Consulting Menu

Consulting Menu

BCP/BCM（Business Continuity Plan / Business Continuity Management）
We support the development of BCP（Business Continuity Plan）, the training service, and overall actions regarding BCM（Business Continuity Management）, as well as the establishment, maintenance, operation, and continuous improvement
and efforts to obtain the certification of BCMS（Business Continuity Management System）.

❶ BCM Structure Building Support❷ BCM Enhancing Support❸ BCM Training Support❹ BCM Support System Provision

Product Safety and Food Safety
We provide consulting services for the establishment of the structure and rules, the operations, and necessary actions incase of accidents to achieve product and food safety.

❶ Product Safety Consulting❷ Food Safety Consulting

Compliance
We support the establishment of the structure and the operation to achieve effective compliance.
We also support the establishment and the operation of internal control systems in compliance with the Companies Act,and provide information about various legal risks such as shareholders lawsuit and anti-harassment measures.

❶ Legal Compliance Consulting❷ Officers Liabilities Consulting❸ Overall Legal Risk Consulting

Medical Care, Nursing Care, Welfare for the Handicapped, and Childcare
For medical institutions and welfare-related businesses, we support the development of BCP and the training services,
consulting on medical safety, crisis management, and risk management, and dispatch lecturers to study sessions andseminars.

❶ BCP, Crisis Management and Risk Management for Medical Institutions❷ BCP, Crisis Management and Risk Management for Welfare-related Businesses

Seminars and Information Publications
In the midst of more complex and sophisticated risks surrounding companies, risk management has increased its
importance in corporate management. MS&AD InterRisk Research & Consulting offers consulting services, seminars andmore with practical applications for corporations and other organizations. Moreover, we provide the latest, most usefulmaterials and information on risk management measures.

E-mail Newsletter
Sign up for our e-mail newsletter,
which contains useful information
on risk management activities atcorporations and other organizations.
MS&AD InterRisk Research & Consulting
E-mail Newsletter（Search）

10Locations in Japan | Overseas Subsidiaries

Locations in Japan
Sapporo Office

HeadquartersWATERRAS ANNEX,
Kanda-awajicho 2-105,
Chiyoda-ku, Tokyo 101-0063

Kansai Branch
Mitsui Sumitomo Insurance Osaka
Yodoyabashi Bldg., 4-3-1 Kitahama,Chuo-ku, Osaka 540-8677

Nagoya Office
Fukuoka Office

Overseas Subsidiaries

InterRisk Consulting（Shanghai）Co.,Ltd.

InterRisk Asia（Thailand）Co., Ltd.

Interisk Asia Pte. Ltd.

（in Singapore）

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MS&AD InterRisk Research & Consulting, Inc.
Headquarters
WATERRAS ANNEX, Kanda-awajicho 2-105,
Chiyoda-ku, Tokyo 101-0063
TEL:03-5296-8911（main number）

https://www.irric.co.jp