I 会社の現況 ................................................................
................................................................
................................................................
...............................................
............... 4................................
１２３４５

代表的な経営指標.................................................................................................................................... 4経営方針 ......................................................................................................................................................... 6会社の特色 .................................................................................................................................................... 6
運営体制 ......................................................................................................................................................... 6（１）

法令遵守の体制..................................................................................................................................................... 6（２）

リスク管理の体制................................................................................................................................................... 6（３）社外・社内の監査・検査体制 ......................................................................................................................... 7（４）

有事の際の体制 ..................................................................................................................................................... 8

社会貢献活動 .............................................................................................................................................. 8（１）

救命技能認定証の取得 .................................................................................................................................... 8（２）地球環境問題.......................................................................................................................................................... 8（３）ボランティア............................................................................................................................................................... 8６ トピックス ......................................................................................................................................................... 9（１）

総支払限度額の改定（4 兆 5,000 億円） ............................................................................................... 9（２）地震保険制度（料率）改定............................................................................................................................... 9（３）ホームページの充実 .............................................................................................................................................. 9

II 会社の概要 ................................................................
................................................................
................................................................
............................................
............ 10................................
１２会社の沿革 .................................................................................................................................................10会社の組織 .................................................................................................................................................10（１）

会社の機構............................................................................................................................................................. 10（２）営業機構.................................................................................................................................................................. 10（３）店舗所在地の一覧表....................................................................................................................................... 10（４）海外ネットワーク................................................................................................................................................... 11

３ 子会社の概況等......................................................................................................................................11
４ 株主・株式の状況 ...................................................................................................................................11（１）基本事項.................................................................................................................................................................. 11（２）株式状況.................................................................................................................................................................. 11（３）大株主 ....................................................................................................................................................................... 11（４）

資本金の推移 ....................................................................................................................................................... 12

５ 役員の状況 .................................................................................................................................................13
６ 従業員の状況............................................................................................................................................15

III 地震保険のしくみ................................
地震保険のしくみ ................................
................................................................
.............................................................
............................. 16................................
１２

地震保険制度発足の経緯................................................................................................................16
地震保険の内容（平成 14 年 4 月 1 日現在） ....................................................................16（１）

担保する危険........................................................................................................................................................ 16（２）

保険の目的............................................................................................................................................................. 16-1-

（３）保険期間.................................................................................................................................................................. 16（４）保険金額.................................................................................................................................................................. 17（５）支払保険金 ............................................................................................................................................................ 17（６）損害の認定基準.................................................................................................................................................. 17（７）総支払限度額....................................................................................................................................................... 17（８）保険料率.................................................................................................................................................................. 18

３ 再保険の仕組み ......................................................................................................................................20
４ 当社・損害保険会社および政府の保険責任........................................................................21

５６７８（１）

当社・損害保険会社、政府の責任(負担)限度額 ............................................................................. 21（２）

負担方法（再保険スキーム）......................................................................................................................... 21（３）

平成 13 年度末の民間危険準備金および政府責任準備金の残高................................... 21（４）

当社・損害保険会社・政府の負担額の具体例................................................................................. 22

再保険料率 (平成 14 年 4 月 1 日現在)...............................................................................22
保険金支払いの仕組み ......................................................................................................................23
再保険金の支払状況...........................................................................................................................24
地震保険契約都道府県別保有高および普及率(平成 14 年 3 月末現在)......25

IV 事業の概況 ................................................................
................................................................
................................................................
............................................
............ 26................................
１

直近の事業年度における事業の概況.......................................................................................26（１）

損益の状況............................................................................................................................................................. 26（２）

資産の状況............................................................................................................................................................. 26（３）

保険引受の状況.................................................................................................................................................. 26

２ 直近の 5 事業年度における主要な業務の状況を示す指標......................................27
３ 直近の 3 事業年度における業務の状況を示す指標......................................................28（１）

主要な業務の状況を示す指標等............................................................................................................. 28（２）

保険契約に関する指標等 ............................................................................................................................. 29（３）

経理に関する指標等 ........................................................................................................................................ 29（４）特別勘定に関する指標................................................................................................................................... 32（５）

地震保険の責任準備金残高の内訳....................................................................................................... 32（６）

資産運用に関する指標等 ............................................................................................................................. 32

V 経理の状況 ................................................................
................................................................
................................................................
............................................
............ 40................................
１２

直近の 2 事業年度における計算書類......................................................................................40（１）

貸借対照表 ............................................................................................................................................................ 40（２）

損益計算書 ............................................................................................................................................................ 43（３）キャッシュ・フロー計算書 ................................................................................................................................. 45（４）利益処分.................................................................................................................................................................. 46（５）１株当たりの配当等及び１人当たりの総資産額 ................................................................................. 46

リスク管理債権 .........................................................................................................................................47（１）

破綻先債権 ............................................................................................................................................................ 47-2-

（２）延滞債権.................................................................................................................................................................. 47（３）3 ヶ月以上延滞債権......................................................................................................................................... 47（４）貸付条件緩和債権............................................................................................................................................ 47（５）

リスク管理債権の合計額 ...............................................................................................................................47

３ 債務者区分に基づいて区分された債権..................................................................................47（１）

破産更生債権およびこれらに準ずる債権........................................................................................... 47（２）危険債権.................................................................................................................................................................. 47（３）

要管理債権 ............................................................................................................................................................ 47（４）正常債権.................................................................................................................................................................. 47

４ 保険金等の支払能力の充実の状況（ソルベンシー・マージン比率）.......................48
５ 時価情報等（取得価額または契約価額、時価および評価損益）.............................49（１）有価証券.................................................................................................................................................................. 49（２）

金銭の信託............................................................................................................................................................. 51（３）デリバティブ取引情報...................................................................................................................................... 51（４）その他 ........................................................................................................................................................................ 52

損害保険用語の解説................................
................................................................
.........................................................
VI 損害保険用語の解説................................
................................
......................... 53-3-