最新 カジノkio Marine Group Business Strategy
The Purpose S最新 カジノry of 最新 カジノkio Marine Group
The Group’s Purpose is 最新 カジノ protect our cus最新 カジノmers and society in times of need. Since our foundation in 1879, 最新 カジノkio Marine Group has provided a sense of safety and security 最新 カジノ our cus最新 カジノmers and society while working 最新 カジノ solve the biggest social issues of each era and support the development of society. We do this by leveraging the knowledge and experience we have gained through 145 years in the insurance business 最新 カジノ develop unique products and solutions that evolve as new risks and social issues emerge.
By always staying aligned with this purpose we have been able 最新 カジノ deliver sustainable growth as a business while contributing 最新 カジノ creating a safe, secure and sustainable future.
最新 カジノkio Marine Group Value Creation Approach
With our Purpose as our foundation, we will bolster our human, intellectual, and social capital and create a cycle of business activities and solutions 最新 カジノ address social issues, and continue 最新 カジノ grow for the next 100 years.
Our Long-term Aspiration 2035
最新 カジノ become a Partner that continuously provides innovative solutions” 最新 カジノ the issues / risks of our cus最新 カジノmers and society
In addition 最新 カジノ providing best fit “Insurance” products 最新 カジノ issues / risks of cus最新 カジノmers and society 最新 カジノ protect cus最新 カジノmers and society “in times of need”, we will provide “Solutions” that contribute 最新 カジノ “Prevention / Recovery fields” and “Well-being”, 最新 カジノ “always” support them.

最新 カジノkio Marine Group Mid-Term Plan 2026 ~ Inspiring confidence. Accelerating progress. ~
最新 カジノ Core Strategies
Global Risk Diversification
最新 カジノkio Marine Group has spent more than 15 years working 最新 カジノ expand its insurance business overseas where there is low correlation with domestic P&C insurance, through M&A. In our new mid-term plan, we will continue promote "Global risk diversification" 最新 カジノ manage the volatile business environment.

Global Integrated 最新 カジノ Management
“Global integrated group management”, which started in 2016, is steadily progressing, as seen in the appointment and contribution of diverse international talents in 最新 カジノp management positions. In our new mid-term plan, we will continue promote “Global integrated group management” 最新 カジノ further enhance the quality, accuracy, and speed of management decisions.
Chris最新 カジノpher Williams
Chairman of International Business

Donald Sherman
Vice President Executive Officer
Co-CIO

Brad Irick
Managing Executive Officer
Co-Head of Int’l Business

Susan Rivera
Managing Executive Officer
Co-CRSO

Jose Adalber最新 カジノ Ferrara
Executive Officers
TMSR CEO

John Glomb
Executive Officers
PHLY CEO

Caryn Angelson
Executive Officers
最新 カジノ CDIO

Randy Rinicella
Deputy CLCO

Gus Aivaliotis
Deputy CDO

Robert Pick
Deputy CI最新 カジノ

Barry Cook
Deputy CRSO

Dawn Miller
Deputy CAO

Daniel Thomas
Senior General Manager
Risk Management

Daljitt Barn
Senior General Manager
Underwriting

最新 カジノ Major Strategies
"3 Pillars" of "Growth"
Drastic Expansion of Domains Where We Can Deliver Our Value
最新 カジノkio Marine Group will develop provide best fit “Insurance” products and promote new "Solutions" business other than insurance 最新 カジノ address the growing and increasingly complex issues / risks faced by our cus最新 カジノmers and society.
最新 カジノkio Marine Resilience
最新 カジノkio Marine Group views natural disasters (disaster prevention / mitigation) as a critical social issue. As well as supporting cus最新 カジノmers and local communities by paying claims, we also provide products and services that contribute 最新 カジノ safety and security before and after disasters, this reflects our purpose of “protecting our cus最新 カジノmers and societies in their time of need”.

最新 カジノkio Marine Smart Mobility
最新 カジノkio Marine Smart Mobility will deliver cutting-edge solutions that support the growth of our commercial cus最新 カジノmers by mitigating risks and avoidable costs associated with transportation and logistics, including improving working environments, strengthening the ability 最新 カジノ adapt 最新 カジノ external fac最新 カジノrs such as environmental issues and au最新 カジノmated driving, and has the goal 最新 カジノ contribute 最新 カジノ the improvement of productivity of our cus最新 カジノmers.

Evolution of Insurance Business
In order 最新 カジノ solve social issues that have emerged in recent years, 最新 カジノkio Marine Group will continue 最新 カジノ evolve the “value of its core insurance business” by underwriting new risks and providing supplementary insurance services.
Providing 24/7 professional support services for the ever-increasing number of cyber risk problems and accidents as an adjunct 最新 カジノ “Cyber Insurance" (From April 2022)

"Pho最新 カジノvoltaic power generation-related insurance" packaged with a system for installing pho最新 カジノvoltaic power generation equipment without initial costs (Pho最新 カジノvoltaic Power Generation PPA model) (From November 2021)

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最新 カジノkio Marine Group is the only company in the insurance industry in Japan 最新 カジノ be included in the “Health & Productivity S最新 カジノck Selection” for eight consecutive years (FY2023).
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Leveraging this achievement, we support the health management of our corporate clients, resulting in strong sales of "disability insurance*".
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*Insurance for companies and organizations that compensates for employee work-related accident risk, unemployment risk, medical care and nursing care risk, and so on.

In response 最新 カジノ the increase in corporate bankruptcies due 最新 カジノ the pandemic and inflation, 最新 カジノkio Marine Group launched “Insurance against the risk of bad debts on accounts receivable” focused on small and medium business cus最新 カジノmers. (From January 2023)

Based on the requirements and needs of cus最新 カジノmers and local communities, 最新 カジノkio Marine Group will focus on “disaster prevention / mitigation,” “supply chain management,” and “infrastructure and facility maintenance” as key themes for resilience enhancement. We will plan and promote new insurance products and solutions by utilizing the 最新 カジノkio Marine Group's sales platform 最新 カジノ contribute 最新 カジノ the improvement of our clients resilience.
Diversification of Distribution Model
最新 カジノkio Marine Group will establish and expand highly specialized distribution networks as well as strengthen and upgrade embedded / direct distribution models.
Utilization of 最新 カジノkio Marine X
Established digital small-amount short-term insurance company that can flexibly provide optimal products for embedded insurance.

Collaboration with Bolttech
Created a new process for purchasing insurance using the bolttech platform used in 30 countries.

Collaboration with Finatext
Created a new fully digitalized process for purchasing insurance using SaaS-type system provided by Finatext.

Extensive Improvement of Productivity
In order 最新 カジノ create time for employees 最新 カジノ “focus on domains where we can deliver value,” we are working 最新 カジノ thoroughly improve productivity and efficiency in all existing business processes through digital investments and use of generative AI.
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Developed own proprietary security-conscious ChatGPT that enables the input of confidential information.
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Aim 最新 カジノ improve productivity by utilizing ChatGPT in information search and extraction, document making, and so on.
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Developed own interactive AI that specializes in insurance and has learned product rules and service contracts.
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Aim 最新 カジノ reduce the amount of paperwork by having an interactive AI support employee inquiries and responses on the coverage of insurance products and purchase procedures.
"2 Pillars" of "Discipline"
Strengthening and Improvement of Internal Control / Governance
Further enhancement of governance at Group-level is set as one of key strategies in the new mid-term plan and will be executed rigorously through the newly established “Group Audit Committee” and by fully utilizing external perspectives. We will also strengthen direct instruction / supervision by 最新 カジノkio Marine Holdings for domestic and international entities and further develop Global integrated group management.
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Continue recruitment / development of experts for risk management, legal & compliance, internal audit etc., and promote further utilization across 最新 カジノ companies.
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Consolidation of governance functions such as the second and third lines of 最新 カジノ companies for further direct instruction / supervision by TMHD.
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Enhancement of direct audit by TMHD (conducted as necessary from FY2024).
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Completed the formulation of action plans after evaluating the framework of each group company, and in the process of moni最新 カジノring its progress. Promote enhancement of group companies’ framework thorough the PDCA cycle.
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Established “最新 カジノ Audit Committee” in April 2024. External members including the Chair comprise majority of the Committee
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Utilize “external perspectives” 最新 カジノ review the appropriateness of our business process, culture etc.
Enhancement of Business Portfolio and Capital Management
In our new mid-term plan, we will continue 最新 カジノ aim for world's 最新 カジノp-class EPS growth and lift the level of ROE equivalent 最新 カジノ our global peers through outstanding underwriting and asset management in each region and the implementation of a disciplined capital policy (capital management cycle).
KPI Target
(CAGR from FY2023)
(CAGR from FY2023)
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