SUSTAINABILITY REPORT 2016 統合レポート 2016 ［2016 東京海上ホールディングス ディスクロージャー誌］ Sustainability Report 2016 index Tokio Marine Group's CSR P. 03 Top Message Tokio Marine Group's Approach to CSR Group Core CSR Themes and Relationship between Group Materiality Initiatives and SDGs CSR Promotion Structure and Stakeholder Engagement Initiatives for Permeating CSR within the Group Plans and Results of CSR Initiatives External Evaluations and Awards and Participation in Initiatives Governance P. 87 Corporate Governance Internal Control Respect for Human Rights CSR in the Value Chain Sustainable Investment and Financing Core Theme1 Providing Safety and Security P. 129 Research on Climate Change Providing Safety and Security and Natural Disaster Risk through Products and Services Improving Quality from the Local Community and Social Customer’s Perspective Contribution Activities Leading to Safety and Security Core Theme2 Protecting the Earth P. 212 Promotion of Environmental Global Environmental Protection Management through Products and Services Local Community and Social Contribution Activities Leading to Global Environmental Protection Core Theme3 Supporting People P. 238 Local Community and Social Development and Utilization of Diverse Contribution Activities Supporting Human Resources People Supporting Health and Longevity Society CSR Library P. 270 Overview of Group CSR Reporting Editorial Policy CSR Performance Data Download PDF version of the Sustainability Report Third-Party Assurance GRI Content Index Recognition about ISO 26000 Corporate Information 2 Tokio Marine Group's CSR We introduce Tokio Marine Group’s CSR approach and strategies, CSR promotion structure, stakeholder engagement, plans and results, external evaluations and awards and participation in initiatives. Top Message Tokio Marine Group’s Approach to A message from Tsuyoshi Nagano, President and CSR Group CEO. With the aim of being a Good Company trusted by all people and society, Tokio Marine Group implements its Corporate Philosophy based on the Tokio Marine Group CSR Charter. Group Core CSR Themes and Relationship between Group Materiality Initiatives and SDGs We identified materiality and are working toward value Tokio Marine Group will contribute to the United creation in each of the three core CSR themes of Nations Sustainable Development Goals (SDGs) “Providing Safety and Security,” “Protecting the Earth” based on four activity themes. and “Supporting People.” CSR Promotion Structure and Stakeholder Engagement Initiatives for Permeating CSR We introduce our structure for stakeholder within the Group engagement and include specific examples. We introduce the CSR promotion structure and initiatives for permeating CSR within the Group. 3 Plans and Results of CSR Initiatives External Evaluations and Awards and Participation in Initiatives We introduce the mid-term business plan and the We introduce external evaluations and awards as well initiative plans and results of each fiscal year. as our participation in initiatives. 4 Top Message Toward a Safe, Secure and Sustainable Future With the adoption of the Sustainable Development Goals (SDGs) at the United Nations Summit in September 2015, there are rising expectations that companies will work together with governments and municipalities, NPOs and citizens to proactively contribute to resolving societal issues. Tokio Marine Group believes CSR is synonymous with the implementation of its Corporate Philosophy and that promoting efforts to solve societal issues will lead to the Group’s sustainable growth. For these reasons, under our “To Be a Good Company 2017” mid-term business plan, which we launched in fiscal 2015, we have set “Providing Safety and Security,” “Protecting the Earth” and “Supporting People” as our core CSR themes and will promote CSR with the participation of all employees. Additionally, our self-motivated employees will act with integrity and compassion, and as this spreads throughout organizations and the entire Group, we believe that it will create a virtuous cycle of developing innovative products and services along with contributing to local communities and society. By implementing these initiatives, we aim to become a “Good Company” that is trusted by all people and society. Providing Safety and Security The Sendai Framework for Disaster Risk Reduction 2015-2030 was adopted in 2015 with the aim of mitigating damages from natural disasters and other causes. Moreover, amid the rise of risks other than natural disasters, including geopolitical risks, it is necessary to develop appropriate risk management solutions and build safe and secure communities. To ensure it can properly support customers and society even amid these changes, Tokio Marine Group provides safety and security throughout all its business activities. This includes carrying out industry-academia collaborative research, offering products and services to prepare for a variety of risks, participating in international initiatives, continuously supporting reconstruction of disaster-stricken regions in collaboration with partners and conducting on-site Disaster Prevention Lessons for school children. Industry-Academia Collaborative Research Responding to climate change and natural disasters is a high-priority issue for Tokio Marine Group from the perspective of enterprise risk management. Accordingly, Tokio Marine Group has been promoting research on climate change and natural disaster risk through industry-academia collaborative research in cooperation with world-class research institutions that include The University of Tokyo (since 2005), Nagoya University (since 2007), Tohoku University (since 2011) and Kyoto University (since 2012). In undertaking this research, we strive to ascertain details of forecasts for damage caused by any natural disasters that could possibly occur in the future. From fiscal 2016 onward, we will continue and enhance industry-academia collaborative research and strive to utilize our research outcomes for sophisticating hazard maps in local communities and for use in evacuation plans of local governments to raise safety and security in regional communities. In March 2016, Tokio Marine & Nichido, together with Tohoku University, convened a forum entitled Five Years after the Great East Japan Earthquake, a Disaster We Will Never Forget, where we publicly presented our achievements on industry-academia collaborative earthquake and tsunami risk assessment. At the same time, we shared the thoughts of municipalities, companies. NPOs and insurance agents toward the reconstruction of disaster-stricken areas as well as disaster prevention. Participation in International Initiatives To raise the resilience of society as a whole to natural disasters and contribute to resolving disaster issues and mitigating damages, 5 Tokio Marine Group participates in the United Nations Office for Disaster Risk Reduction (UNISDR) Private Sector Alliance for Disaster Resilient Societies (ARISE) as well as in ClimateWise and The Geneva Association Extreme Events and Climate Risk (EE+CR) working group, as we make efforts to promote global disaster prevention. Products and Services Besides paying insurance claims to customers when disasters or accidents occur, Tokio Marine Group also aims to reduce burdens on customers at the time of loss. We offer expert advice to expedite business resumption, assist corporate customers in designing optimal business continuity plans (BCP) and provide individual customers with solutions to promote healthy living, among others. Tokio Marine Group also provides products that offer safety and security to people who were previously uninsured. These products include One Day Auto Insurance, which is aimed at reducing auto accidents involving uninsured drivers by encouraging young drivers who do not own vehicles to sign up for insurance; products related to Life Insurance Revolution to Protect One’s Living that respond to needs associated with longer lifespans accompanying the declining birth rate and aging population; and weather insurance and microinsurance targeting farmers and low-income earners in India who suffer from poverty. We are also moving ahead in offering products and services that anticipate the changing business environment and customer needs that include such technological innovations as Drive Agent and “Participation in demonstration tests on public roads for autonomous vehicles” as well as “a new type of overseas travel insurance for foreign tourists visiting Japan.” Earthquake Reconstruction Support and Disaster Prevention Awareness and Education Tokio Marine Group is continuing its support to the Tohoku Region affected by the Great East Japan Earthquake through a variety of activities that include support of the Ten-Year Restoration Project of the Coastal Forests of Tohoku Region, volunteer reconstruction support activities by employees and agents in affected areas and offering lunch menus from disaster-stricken regions at employee cafeterias with charitable donations. These support efforts are driven by our determination to “never forget the event at any cost and continue to do whatever we can do even in any small way.” On March 11, 2016, which marked five years since the Great East Japan Earthquake, I personally visited Sendai in the disaster-stricken region and by sharing the sorrow of this disaster across Japan, I have strengthened my own desire to build a truly strong and friendly “Good Company” that stands ready to face the next disaster. For the Kumamoto earthquakes that struck