Strategy and Performance
CDO Message
Helping to further solve
Message from Management | MS&AD's Value Creation | Strategy and Performance | Corporate Governance | Appendix | Data Section |
We are encouraging each employee to change their way of thinking so we can provide high-value-added services.
social issues with CSV combined with DX
Masashi Ippongi
CDO
With, for example, transforming our products and services, in the event of an accident and conventional insurance where claims are made and compensation is given for financial loss, the risks are identified in advance and conveyed to the customer to prevent the risks from happening. In the unlikely event the risk manifests, we will transform into high-value- added insurance that reduces the impact, seamlessly assisting for a quick recovery.
We are making various efforts to promote this CSV x DX strategy globally, including building a database that shares knowledge and expertise across the Group and building a
digital human asset development program in collaboration with universities, as well as a problem-solving program to discover start-up companies in Silicon Valley in the United States. In tandem with building such a foundation, we are also focusing on changing the behavior and mindset of our employees. One initiative is the Digital Innovation Challenge Program which helps to foster digitally minded employees. We will contribute to the sustainable growth of the Group by having each and every employee square up to the issues in society and seek solutions using digital technology with the aim of putting these solutions into practice in society.
(Digitalization Promotion)
We will create new business that solves social issues by combining the strengths of MS&AD with DX.
Transform Products and Services
Conventional | Compensation (guarantee) for financial | |||||||||||||||||
Insurance | loss due to accident or illness | |||||||||||||||||
Insurance premiums with greater | ... Utilizing such to provide insurance | |||||||||||||||||
Driving behavior | Subdivision of | |||||||||||||||||
customer satisfaction... | Healthcare data | services with greater customer | ||||||||||||||||
data | natural disaster risk | |||||||||||||||||
Future products | satisfaction | Quick | ||||||||||||||||
Communicate and prevent risks | Compensate (guarantee) | Minimize | ||||||||||||||||
and services | impact | recovery | ||||||||||||||||
A rapidly changing society creates many risks, and creates demand for mitigating these risks. The Group will accurately grasp such demand and provide solutions to turn changes in the business environment into a source of growth. Digital transformation (DX) contributes significantly to solving these social issues. The Group will promote its CSV x DX strategy to solve social issues using DX, thereby achieving sustainable growth.
The Group's diversity is a great strength when it comes to pushing forward with the CSV x DX strategy. By
wealth of data collected from inside and outside the Group, we have the power to expand globally into future growth markets. Leveraging these strengths to move ahead with the CSV x DX strategy will transform our products and services as well as our sales channels and sales techniques, ultimately leading to the creation of new business. By sharing our transformation initiatives across the entire Group to further strengthen global cooperation, we will expand our business, not only in Japan, but also from Asia to the rest of the world.
For example... | ||||||
Safety driving | Accident | Road rage | ||||
prevention | ||||||
advice | deterrent | |||||
alerts | Automobile | |||||
Flood damage | Measures | |||||
forecasting | Weather alerts | against | ||||
cyberattack | Facility & Business Premises | |||||
Health | Disease | Mental-care | ||||
promotion | prevention | Healthcare | ||||
Automatic call out to emergency services in the event of an accident
Flood damage surveys
using drones and AI
Health recovery
Quick accident
settlement using video
Repair of damaged
facilities
Prevention of serious
diseases
etc.
understanding customers' diverse needs and utilizing the
Seamlessly providing safety and peace of mind to customers
Building a Foundation for Promotion
Digital Innovation Challenge Program
Concrete Rollout of the CSV x DX Strategy
Rollout of the CSV x DX Strategy | |||||||||
Our Strengths | Transform products | ||||||||
and services | |||||||||
Diverse partnerships | |||||||||
Diverse | Transform sales channels | ||||||||
and sales methods | |||||||||
Largest agent network in Japan | needs | Global | |||||||
CSV | Create new business | ||||||||
Largest customer base in Japan | Diverse | rollout | |||||||
Group comprehensive strengths | data | DX | Accelerating | ||||||
(diverse Group companies) | |||||||||
Develop digitally minded | Group growth | ||||||||
Network spanning | |||||||||
human assets | |||||||||
49 countries and regions | Wide range of | ||||||||
rollout | Share knowledge | ||||||||
Presence in Asia, | |||||||||
capability | |||||||||
a future growth market | Group-wide |
Change the mindset
of employees
Foundation for promoting the CSV x DX strategy
Looking for paid and free data business ideas | Entrants | |||||||||||||||||||||||||
Nine areas in which the government and the Keidanren (Japan Business | ||||||||||||||||||||||||||
Data owned by each | Federation) are expected to analyze and utilize data | |||||||||||||||||||||||||
Group company | Healthcare | Finance | Living | Approx. 2,800 | ||||||||||||||||||||||
x | Mobility | Infrastructure, disaster | Tourism | Group-wide | ||||||||||||||||||||||
Third-party data | prevention and mitigation | |||||||||||||||||||||||||
Manufacturing | Agriculture, forestry and | e-Administration | ||||||||||||||||||||||||
fisheries | ||||||||||||||||||||||||||
Human Asset Development Program | MS&AD Digital College from Kyoto | Data Science Training | ||||||||||||||||||||||||
MS&AD Digital Academy | ||||||||||||||||||||||||||
Collaboration with INIAD | Joint development with KUAS (Kyoto | |||||||||||||||||||||||||
(the faculty of Information Networking for | Collaboration with Shiga University | |||||||||||||||||||||||||
University of Advanced Science) | ||||||||||||||||||||||||||
Innovation and Design at Toyo University) | ||||||||||||||||||||||||||
Building a Database to Share Knowledge and Expertise Group-wide*1 | ||||||||||||||||||||||||||
Use Examples | Aggregate information | Accumulate and share | Use Examples | |||||||||||||||||||||||
on start-up companies | ||||||||||||||||||||||||||
•Creation of collaborative projects | business ideas that MS&AD | •Development of digitally minded | ||||||||||||||||||||||||
that have relationship | ||||||||||||||||||||||||||
with startups | Insurance Group employees | human assets within the Group | ||||||||||||||||||||||||
with MS&AD Insurance | Domestic and overseas | |||||||||||||||||||||||||
•Solving issues in business | have come up with*2 | •Share ideas across the Group to | ||||||||||||||||||||||||
partner companies | Group*2 | Group companies | create new business | |||||||||||||||||||||||
*1. Collaboration with Amazon Web Services (AWS) Japan and Scalar
*2. Develop database for Group companies to share startup information and business ideas
83 | MS&AD INSURANCE GROUP HOLDINGS | MS&AD INSURANCE GROUP HOLDINGS | 84 |
Strategy and Performance
CSV x DX: Case 1
Cyber Risk
Message from Management | MS&AD's Value Creation | Strategy and Performance | Corporate Governance | Appendix | Data Section | |
Upholding company safety with a one-stop service from cybersecurity measures to compensation in case of incident
While the spread of information technology (IT) has dramatically improved convenience and productivity, there are many cases where confidential corporate information is leaked due to cyberattacks or unauthorized access, and cases where business is interrupted. According to results from a survey conducted by MS&AD InterRisk Research & Consulting, the level of priority in terms of mitigating against cyber risk is lower than other management issues, regardless of the size of the company. However, as the risk of cyberattack is expected to increase in the future, security measures will doubtless be positioned as an even more important management issue in the future. The MS&AD Insurance Group seamlessly provides,
alongside cyber insurance, a series of risk identification, defense, detection, response, and recovery services as measures to increase
protection against cyberattack.
Social Impact
Companies and | Just over |
organizations | 20,000 |
protected against | (FY2020) |
cyber risks | * Number of MS&AD Insurance Group policies for |
cyber insurance, etc. |
• Countermeasures against cyber risk protect not only the |
company but also stakeholders, such as customers and |
business partners, from damage caused by information |
leakage and business interruption, helping to improve the |
company's reputation. |
• By quickly recovering from damage caused by |
cyberattacks, financial damage resulting from business |
interruption and indemnity liability can be minimized, |
leading to more stabilized company management. |
• Expanding telework to safe environments enables flexible |
work styles unconstrained by time or place. As well as |
Creation of Business Opportunities
In the age of the IoT where all
things are connected,
importance of cybersecurity
measures is expanding
Japan's Cybersecurity Market
¥1,023 billion by 2025
Source: IDC Japan
Global Cybersecurity Market
$534.5 billion by 2030
Social Issues
Rapidly increasing cyberattacks
- Along with an increasing number of cyberattacks year on year, more wide-ranging damage is taking place, from data theft to obstruction of business. Moreover, cyberattacks are becoming ever more sophisticated and complex with not only direct attacks on an organization but also attacks via business partners, etc.
- The level of priority in terms of mitigating against cyber risk is lower than other management issues, regardless of the size of the company.
- There is an urgent need for companies and organizations to take measures regardless of industry or scale.
Solutions
Seamlessly developing services starting from specifying risks using digital technology
- Seamless rollout of a series of services
Development | Specifying | Response | Insurance | |
of organizational | Defense and detection | |||
risks | and recovery | |||
framework | ||||
Specifying risks using digital technology
• In partnership with Verizon Japan: |
Conduct internal risk assessment |
service based on questionnaires. |
• In partnership with BitSight Technologies: |
Measure and evaluate the security |
situation based on externally observable |
information. |
• Package the "Bouken Cyber" 24/365 |
service, which aims to enable small and |
medium-sized enterprises to respond to |
increasingly ingenious cyber-attacks not |
only through defensive measures, but |
also by rapidly detecting intrusion threats |
and initiating the response in |
emergencies. In April 2021, this was |
helping to create a good work-life balance, it also leads to |
regional revitalization and securing a labor force in a time of |
declining population. |
Economic Impact on the Company
(year on year) | |
Policy | Approx. |
growth rate | (FY2020)150% |
- Growth rate in number of MS&AD Insurance Group policies for cyber insurance, etc.
- Prevention of serious cyber incidents and support for quick recovery in the event of damage avoids extensive harm to customers and at the same time leads to reduced insurance claim payments.
- By providing various services related to cybersecurity for SMEs, presence in the SME market as a whole will be improved, leading to proposals for other insurance policies.
- In business environment terms, revisions to the Act on the Protection of Personal Information scheduled to come into effect in April 2022, will most likely increase the need for cyber insurance as it will become mandatory to report to the Personal Information Protection Commission and notify those affected in the event of an information leak due to unauthorized access.
From 2020 to 2030
11.8% annual growth
Source: Report Ocean 2021
- Expansion of cybersecurity measures in an IoT society where all things are connected
- Expansion of cybersecurity measures for automobiles in preparation for connected cars and autonomous driving
- Expansion of cybersecurity measures due to increased use of e-commerce
- Expansion of cybersecurity measures in telework, expected to be in active use for business continuity in the event of new threats such as infectious diseases and frequent natural disasters
- Possible to approach overseas companies with expertise acquired, leading to sales expansion and new market development
Increased searching by attackers
The number of communications | 500.1billion | |||||||||||||||||||
thought to be "preliminary actions," | ||||||||||||||||||||
where criminals attempt a | ||||||||||||||||||||
cyberattack online by searching for | ||||||||||||||||||||
devices with weak security, has | ||||||||||||||||||||
rapidly increased to about 500.1 | ||||||||||||||||||||
billion per year in 2020. | ||||||||||||||||||||
4.54billion | ||||||||||||||||||||
2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020(FY) |
Source: NICTER Observation Report 2020, The National Institute of Information and Communications Technology
registered as a Cyper Security Support |
Service with the Information-technology |
Promotion Agency. |
• In collaboration with Vdoo: Identify and |
evaluate cybersecurity risks in IoT |
devices developed and manufactured by |
customers and those used in factories. |
• In collaboration with BitSight |
Technologies and Kovrr: Combine basic |
input data provided (sales, profit, number |
of employees, etc.) with external |
assessment of customers used by |
BitSight, to calculate probable maximum |
loss (PML) (Kovrr model) and publish |
results in a report. |
Expanding Services through Collaboration
Cyber-attacks are becoming more sophisticated every day. To companies that are active at the global level, the MS&AD Group is quick to propose cutting- edge technology and services, while providing simple and easily understood technologies to the small and medium-sized enterprises that prop up the Japanese economy. In addition, its business partnership with an Israeli start-up company enables the Group to incorporate the latest knowledge, and it is also raising investment limits for the corporate venture capital fund it set up in Silicon Valley to focus on creating innovation.
Going forward, the MS&AD Group will continue to provide a variety of cyber insurance and services. In addition to helping resolve the social issue of cyber risks that threaten the foundation of industry, we will also use them to open the way to further growth for the Group.
Takeshi Doi
Market Development Dept., MS&AD InterRisk Research & Consulting, Inc.
85 MS&AD INSURANCE GROUP HOLDINGS
MS&AD INSURANCE GROUP HOLDINGS | 86 |
Strategy and Performance
CSV x DX: Case 2
Data Business
Message from Management | MS&AD's Value Creation | Strategy and Performance | Corporate Governance | Appendix | Data Section |
Supporting solutions to social issues to help realize a safe and secure society through new services that utilize data
With the progress of digital technology, more and more data is being collected from our lives and businesses as we are told that the analysis and utilization of data is essential for strengthening company competitiveness.
The MS&AD Insurance Group aims to create new business to develop and expand a data business that goes beyond the current framework of insurance by collecting and utilizing such data.
For example, by utilizing big data and the latest analytical algorithms, we can visualize and optimize the risks faced by companies to provide high-value-added services that contribute to solving social
issues. These services utilize all sorts of data such as Smart Mobility Telematics that exhaustively detects dangerous behavior that leads to accidents, and scoring points for safe driving, from a large amount of driving data obtained
using telematics technology and RisTech*, designed to solve problems.
Social Impact
Number of companies
collaborating on RisTech
Collaborative efforts | 64 |
Considering262
(Year-to-date as of the end of fiscal 2020)
• Contributing to solve corporate issues in various fields, |
such as disaster prevention and mitigation, mobility, |
healthcare, and smart cities, by utilizing and analyzing data |
owned by business partners and other statistical data, in |
addition to policy and accident data. |
• Enabling the effective use of various data not utilized to |
date due to lack of specialist analytical staff and inability to |
Creation of Business Opportunities
Unlimited possibilities created by connecting all kinds of data
Data trading market scale forecast
(worldwide)*1
$500 billion in 2022 $708 billion in 2025
Connected car market scale
forecast (worldwide)*2
$373.4 billion in 2030
*1 Source: Data Monetization Market, Transparency Market Research
*2 Source: Report Ocean
Social Issues
Diversifying,
Complex Challenges and Needs
Smart Mobility and Telematics
- New risks need to be addressed with technological innovations related to mobility and telecommunications.
Regional Revitalization and Smart Cities
- The concept of smart cities and regional revitalization are being promoted in response to population decline and urban concentration.
Solutions
Initiatives on Various Themes
and Areas That Can
Reach the Issues for Society and
Industry as a Whole
Smart Mobility and Telematics
- In Japan, in collaboration with a manufacturer of on- board equipment (digital tachographs), build an accident forecasting model, helping to reduce the number of accidents, by combining automobile data (acceleration, deceleration and driving time, etc.) with our own accident data.
- Global rollout of new products and services that utilize telematics technology, such as with establishing the insurance software development company MOTER Technologies in the United States.
Regional Revitalization and Smart Cities
• Make efforts to support local governments with aging |
infrastructure by installing image analysis AI that detects |
damaged parts of the road on a dashcam specifically for |
the "Mimamoru" dashcam-based automobile insurance. |
• To promote DX in local public organizations, research |
process large quantities, leading to improved business |
operations for companies. |
Economic Impact on the Company
Increased | Approx. |
insurance | (Year¥-to17.5-date as of the end of fiscal 2020) |
premiums thanks | |
billion | |
to RisTech |
- By presenting data analysis results of value, we can improve our presence, increase our top line, and improve our profitability.
- By collaborating with business partners through the use of data, it is possible to create shared value with society beyond the company framework.
- Increase in data that can be obtained from connected cars, expanding the scope of utilization globally
- Increase in expertise for solving problems in local communities using data, leading to wider ranging comprehensive agreements with local governments
- Working to realize smart cities, helping to maintain and create vibrant cities
- Using collected data to expand the range of products and services beneficial for health promotion, pre- symptomatic illnesses and preventing disease, to realize a society of health and longevity
- Expand the climate change impact analysis service due to an increase in natural disasters caused by climate change
Climate Change
- Global warming and climate change need to be addressed.
and develop solutions from the perspective of |
consumers together with partner companies, local |
public organizations, and start-up companies that help |
solve social issues. |
Climate Change
- Climate change impact analysis utilizing technologies of investee startups.
Utilizing Data as a Source of Value Creation
Centered on CSV x DX x GLOBAL, the data business is one of the key pillars of the Group's growth strategy. RisTech and the US data business are initiatives unique to the Group. We will globally rollout strongly linked initiatives while taking advantage of the characteristics of each company.
-
This service is provided by Mitsui Sumitomo Insurance in collaboration with Accenture to visualize and optimize the risks faced by companies by utilizing big data and the latest analytical algorithms to facilitate solutions to issues.
We aim to contribute to the realization of a safe and secure society by solving various social issues, such as support with measures against earthquakes and floods, by combining Mitsui Sumitomo Insurance's expertise on accident and disaster data, etc. with the diverse industry knowledge that Accenture has cultivated through consulting in the global digital technology sphere.
In addition, we will solve social and regional issues and grow together by seeing the risks arising from changes in the social environment and industrial structure as growth opportunities, collaborating with various companies to create new business that utilize digital technologies and data.
Kensuke Onuma | Yutaka Matsui |
Data Solution Section | Digital Strategy Department |
Corporate Planning Department | Mitsui Sumitomo Insurance Co., Ltd. |
Aioi Nissay Dowa Insurance Co., Ltd. |
87 | MS&AD INSURANCE GROUP HOLDINGS | MS&AD INSURANCE GROUP HOLDINGS | 88 |
Strategy and Performance
CSV x DX: Case 3
TCFD Support
Message from Management | MS&AD's Value Creation | Strategy and Performance | Corporate Governance | Appendix | Data Section |
Providing services that assess impacts of natural disaster risk associated with climate change to support corporate information disclosure
In recent years, natural disasters, such as droughts and large-scale floods, have occurred frequently all over the world, greatly impacting corporate activities. Under these circumstances, the Task Force on Climate-Related Financial Disclosures (TCFD) established by the Financial Stability Board (FSB) recommends that companies disclose climate-related risks as part of their financial information.
Companies are expected to assume a number of different climate change scenarios and explain how resilient their businesses, strategies and financial plans are. As such, MS&AD InterRisk Research Institute & Consulting has partnered with Jupiter Intelligence of the United States,
a company in which MS&AD Ventures invests, to develop a service that analyzes and assesses the impact of intensifying climate change
on companies based on future scenarios.
Solutions
Social Impact | |
Number of | 6,110 sites |
sites analyzed | |
by Jupiter | (Between July 2020 and end of June 2021) |
Intelligence |
- Companies can understand in advance potential damage caused by natural disasters to their factories and offices.
- Strengthening capability to respond to huge accumulated risk from natural disasters.
- Risks of investment and loan portfolios can be understood at financial institutions.
- Sophisticated business decisions (location and supplier selection, portfolio review, disaster prevention measures, etc.) can be made based on climate change factors, leading to improved resilience for society as a whole.
Creation of Business Opportunities
Rollout of one-stop services including support for natural disaster countermeasures in Asia, where the risk of flooding is high
Total global GDP impacted by river
flood damage at a frequency of
once-in-10 years in 2030
$17 trillion
Estimated that half of this
will occur in Asia,
especially China
Social Issues
Actualization and Further
Intensification of Climate
Change Risks
• There are concerns about the actualization of climate |
change risk and its further intensification. |
• The TCFD Recommendations, which require companies |
and financial institutions assess, manage, and disclose |
future climate change risks, are rapidly becoming |
mainstream. In scenario analysis, it is necessary to |
consider the physical risks, such as natural disasters that |
will likely be exacerbated by the impact of climate change, |
as well as various implications to business due to the |
transition to a zero-carbon society (transition risks). |
• Recently, an increasing number of companies are |
conducting quantitative impact assessments using |
carbon pricing assumed for each scenario, but for |
physical risks, with the exception of some financial |
institutions, there are only a limited number of detailed |
quantitative assessment cases based on climate |
change models. |
Climate-Related Information
Disclosure Support in
Collaboration with Startups
- Collaboration between MS&AD InterRisk Research Institute & Consulting and Jupiter Intelligence, an expert in climate models.
- Jupiter Intelligence's system analyzes the risk of natural disasters, such as floods and storm damage, with a high level of accuracy (90m x 90m) all over the world.
- According to future temperature rise scenarios, AI simulations are conducted from 2020 to 2100 in five-year increments to predict maximum wind speeds in storms and flood depths.
- Estimated economic damage caused by flooding is also calculated using information held by MS&AD InterRisk Research Institute & Consulting. This supports corporate information disclosures in line with TCFD recommendations.
Climate Change Impact Assessment Service for TCFD
• Latitude and longitude of the site to | |
Customer | be assessed |
• Asset value and number of floors in | |
Data | assessing the financial impact of |
flooding | |
River |
Economic Impact on the Group
Growth rate | Year-on-year increase |
of contracted | of approximately |
consultations | |
in the field of | 70% (FY2020) |
climate change |
- By providing support related to key management issues, medium- to long-term relationships with client companies are strengthened, helping to further dealings such as with insurance, services, and consulting.
- Expanding insurance market owing to synergies with insurance sales.
- Increased number of underwriting/product development and services in light of climate change risks, and more sophisticated natural disaster risk management in the MS&AD Insurance Group.
- Through our impressive track record, enhancing the reputation of the Group and resulting in growth in consulting-related outsourcing
and India
(World Resource Institute 2020 Report)
- The needs of companies with assets, manufacturing bases, and supply chains in Asia, where the risk of flooding due to climate change is highest, will expand.
- Offering services other companies cannot by providing a one-stop service up to support for on-site natural disaster countermeasures.
- By expanding from analysis of business sites to assessments of value chains, it will be possible to provide new services.
- The scope of assessment indicators will increase due to improved model accuracy in Jupiter Intelligence's technology and the formation of a loan portfolio valuation scheme for financial institutions that utilize technology.
- Through the Group's services, Sumitomo Mitsui Banking Corporation discloses information in line with TCFD recommendations with sophisticated climate change scenario analysis. Climate change scenario analysis methods using AI technology may spread widely to Japanese companies as the basis for future information disclosure.
Number of institutions (worldwide) supporting TCFD recommendations
floods and | Assesses flood depth and |
coastal | financial impact |
floods |
Global Assessment of the Impact of Climate Change on Natural Disaster Risk
1,400 | ||||||
1,200 | ||||||
1,000 | Operating | |||||
800 | companies | |||||
600 | ||||||
400 | Financial | |||||
200 | institutions | |||||
0 | 12/2017 | 6/2018 | 12/2018 | 6/2019 | 12/2019 | 5/2020 |
6/2017 |
Storm
Heat wave
Assessment
report
Assesses maximum wind speeds or probability of exceeding a certain wind speed
Assesses the average number of days per year when the maximum temperature exceeds 35 degrees Celsius
- Risk trends, overall and by site
- Financial impact of flood disasters, etc.
Our climate risk forecasting tool, Global Climate Score, is the most comprehensive and scientifically accurate service. It incorporates all of the world's best scientific climate models to forecast impacts for the requirements of customers around the world.
Most companies in the world continue to operate without an accurate picture of the climate change risks that affect them. Using this service is a huge step forward in terms of changing the management process. We have already heard from our customers that they are now able to predict risks more accurately.
Richard Sorkin, CEO
Jupiter Intelligence
89 | MS&AD INSURANCE GROUP HOLDINGS | MS&AD INSURANCE GROUP HOLDINGS | 90 |
Strategy and Performance
FOCUS
A System for Implementing CSV Initiatives
Under the banner of "a resilient and sustainable society" as our | business, it is essential for each Group employee to deepen |
vision for society in 2030, the Group is promoting various efforts | their understanding of CSV and the SDGs. As such, the MS&AD |
toward creating shared value (CSV) with society using the SDGs | Insurance Group is implementing various initiatives with the aim |
as leading marks. In order to solve social issues through our | of raising awareness among each and every employee. |
Message from Management | MS&AD's Value Creation | Strategy and Performance | Corporate Governance | Appendix | Data Section |
40,000 Group Employees Engaged in CSV
The Sustainability Contest 2020
The Sustainability Contest, held for the third time, commends examples of efforts that lead to the sustainability of society and the Group, as well as to CSV, through the tasks and business activities employees engage in every day. A total of 354 applications were submitted, an increase in number from 2019. Examples included initiatives and proposals for social issues that have emerged since the pandemic, such as the increasing need for a contactless customer environment and a rise in remote work.
Selection criteria
- Social impact
- Communication
- Group synergy
- Approach
- Potential for expansion
Corporate
Winners Solving Long-Standing Issues in the Livestock Industry with IoT and Insurance
helping to stabilize the management of livestock farming and at the same time preventing losses for public agricultural insurance. In addition, by improving the working environment for veterinarians, such as by dramatically reducing unnecessary visits, it is contributing to the resolution of issues that have concerned the livestock industry for many years.
governments are conducting demonstration experiments to support the maintenance of social infrastructure using dedicated dashcams.
Governance
- Chairman's Message
- Corporate Governance System and Initiatives
- Corporate Governance Evolution, Director/Audit & Supervisory Board Member Composition
- Corporate Governance System
- Task-specificCommittee Approach to Value Creation
- Skills Matrix of Directors, Audit & Supervisory Board Members, and Executive Officers
- Evaluation of Board of Directors Effectiveness and the Analysis Process
- Efforts Aimed at Improving the Operation of the Board of Directors, Remuneration Plan Targeting Strengthened Governance
101 CEO Succession Plan
102 Our Management Team
105 Message from an Outside Director
91 | MS&AD INSURANCE GROUP HOLDINGS | MS&AD INSURANCE GROUP HOLDINGS | 92 |
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MS&AD Insurance Group Holdings Inc. published this content on 05 November 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 04 November 2021 16:04:47 UTC.