Overview of the Group Sustainability Strategy

To accomplish the Group purpose, “A brighter and more secure future”, we have been implementing the Group sustainability strategy by promoting the initiatives for Core Materiality.

Financial Well-being for All
Environmental Leadership
Healthy People and Society
Proactive Governance and Engagement
A brighter and more secure future

Identifying sustainability risks and opportunities

In a rapidly changing market and social environment, we believe that adopting strategies that identify risks and opportunities that could affect the Group's business help ensure the sustainability of our business. The Group estimates the timelines of associated risks and opportunities of materiality issues identified in the Core Materiality selection process and reflects in our Medium Term Management Plan.

Sustainability Risks and Opportunities

Selecting Core Materiality

Four Core Materiality

We have established “Financial Well-being for All”,“Healthy People and Society”,“Environmental Leadership”, and “Proactive Governance and Engagement” as Core Materiality.

Ⅰ. Financial Well-being for All
Ⅱ. Healthy People and Society
Ⅲ. Environmental Leadership
Ⅳ. Proactive Governance and Engagement
Process for Identifying Core Materiarity

Initiatives for Core Materiality

Protection and Asset Formation/Succession

Providing insurance protection and asset formation/succession that meet the individual customer needs

Financial Inclusion

Promoting insurance penetration to a wider range of people, including low-income earners

Health and Healthcare

Expansion into New Fields of Business areas such as healthcare and employee benefit platforms, and realization of Well-being

Social Contribution Activities

Contributing to solving social issues in each region through unique social contribution initiatives

Climate Change and Natural Capital Initiatives

Realizing Net Zero based on the transition plan and contributing to nature positive

Respecting Human Rights

Respecting the human rights across the supply chain based on human rights due diligence

Human Capital

Establishing systems and structures to create opportunities for diverse human resources to unleash their potential and fostering a corporate culture

Innovation Promotion

Democratizing an innovation culture through the efforts of innovation fund

Responsible Investment

Initiatives as a responsible investor centered on both Sustainable investment and stewardship activities and external collaboration

Corporate Governance/Privacy and Data Security

Developing a corporate governance structure to achieve sustainable growth and enhancement of corporate value to respond to the entrustment of our multi-stakeholders

Sustainability-related Governance

Building a sustainability promotion structure

We are building a sustainability promotion structure centered on the Group Sustainability Committee to make meaningful contributions to the realization of a sustainable society.

Introducing sustainability indicators as part of Executive compensation evaluation criteria

Sustainability indicators, including indicators showing progress in reducing CO2 emissions, are incorporated into performance-based stock remuneration for the Group's executives.

Fostering awareness among Group employees

In addition to providing environment-related training to its officers and employees, we promote various initiatives, including environment-related events and volunteer activities.

Group Sustainability Promotion Structure

Metrics and Targets

Core Materiality, Metrics and Targets

We have established indicators to measure the progress of our efforts and the target levels for each of Core Materiality.

Core Materiarity, Metrics and Targets

KPI Targets (non-financial) by FY2026

We have set Non-Financial Indicators as KPI Targets for the Medium Term Management Plan.

Number of customers

Domestic ca.37.5mn Overseas ca.45mn

ESG composite indices

Industry-leading valuation scores in Japan