ネット カジノ 入金 不要 ボーナスne Group Business Strategy

The Purpose Story of ネット カジノ 入金 不要 ボーナスne Group

The Group’s Purpose is to protect our customers and society in times of need. Since our foundation in 1879, ネット カジノ 入金 不要 ボーナスne Group has provided a sense of safety and security to our customers and society while working to 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 to 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 to deliver sustainable growth as a business while contributing to creating a safe, secure and sustainable future.

ネット カジノ 入金 不要 ボーナスne 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 to address social issues, and continue to grow for the next 100 years.

Our Long-term Aspiration 2035

To become a Partner that continuously provides innovative solutions” to the issues / risks of our customers and society

In addition to providing best fit “Insurance” products to issues / risks of customers and society to protect customers and society “in times of need”, we will provide “Solutions” that contribute to “Prevention / Recovery fields” and “Well-being”, to “always” support them.

We provide "Insurance" for new issues/risks by evolution of "Insurance" business from conventional insurance. Furthermore, we provide growth in "Solution" business other than insurance, including solution for "Prevention, mitigation and recovery" ネット カジノ 入金 不要 ボーナスolution that contribute to "Well-being".

ネット カジノ 入金 不要 ボーナスne Group Mid-Term Plan 2026 ~ Inspiring confidence. Accelerating progress. ~

Group Core Strategies

Global Risk Diversification

ネット カジノ 入金 不要 ボーナスne Group has spent more than 15 years working to 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" to manage the volatile business environment.

FY2014 Diversification effects: 29%. Japan P&C (underwriting): 26%, Japan P&C (inverstment): 35%, Japan Life: 9%, International: 19%, Others: 11%. Risk before diversification JPY4.4tn, risk after diversification JPY3.1tn. FY2024 Diversification effects: 43%. Japan P&C (underwriting): 20%, Japan P&C (inverstment): 30%, Japan Life: 8%, International: 27%, Others: 15%. Risk before diversification JPY7.6tn, risk after diversification JPY4.3tn. *Risk excl. business-related equities is JPY5.9tn before diversification and JPY3.1tn after diversification.

Global Integrated Group Management

“Global integrated group management”, which started in 2016, is steadily progressing, as seen in the appointment and contribution of diverse international talents in top management positions. In our new mid-term plan, we will continue promote “Global integrated group management” to further enhance the quality, accuracy, and speed of management decisions.

Christopher 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 Adalberto Ferrara

Executive Officers

TMSR CEO

John Glomb

Executive Officers

PHLY CEO

Caryn Angelson

Executive Officers

Group CDIO

Randy Rinicella

Deputy CLCO

Gus Aivaliotis

Deputy CDO

Robert Pick

Deputy CITO

Barry Cook

Deputy CRSO

Dawn Miller

Deputy CAO

Daniel Thomas

Senior General Manager

Risk Management

Daljitt Barn

Senior General Manager

Underwriting

Group Major Strategies

"3 Pillars" of "Growth"

Drastic Expansion of Domains Where We Can Deliver Our Value

ネット カジノ 入金 不要 ボーナスne Group will develop provide best fit “Insurance” products and promote new "Solutions" business other than insurance to address the growing and increasingly complex issues / risks faced by our customers and society.

ネット カジノ 入金 不要 ボーナスne Resilience

ネット カジノ 入金 不要 ボーナスne Group views natural disasters (disaster prevention / mitigation) as a critical social issue. As well as supporting customers and local communities by paying claims, we also provide products and services that contribute to safety and security before and after disasters, this reflects our purpose of “protecting our customers and societies in their time of need”.

ネット カジノ 入金 不要 ボーナスne Smart Mobility

ネット カジノ 入金 不要 ボーナスne Smart Mobility will deliver cutting-edge solutions that support the growth of our commercial customers by mitigating risks and avoidable costs associated with transportation and logistics, including improving working environments, strengthening the ability to adapt to external factors such as environmental issues and automated driving, and has the goal to contribute to the improvement of productivity of our customers.

Evolution of Insurance Business

In order to solve social issues that have emerged in recent years, ネット カジノ 入金 不要 ボーナスne Group will continue to 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 to “Cyber Insurance" (From April 2022)

Emergency Hotline Service: Experienced cyber experts, Diverse lineup of specialized partners, Assistance for daily cyber incidents, Support from initial response to prevention of recurrence, Services available beyond scope of coverage

"Photovoltaic power generation-related insurance" packaged with a system for installing photovoltaic power generation equipment without initial costs (Photovoltaic Power Generation PPA model) (From November 2021)

  • ネット カジノ 入金 不要 ボーナスne Group is the only company in the insurance industry in Japan to be included in the “Health & Productivity Stock Selection” for eight consecutive years (FY2023).
  • Leveraging this achievement, we support the health management of our corporate clients, resulting in strong sales of "disability insurance*".
  • *
    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 to the increase in corporate bankruptcies due to the pandemic and inflation, ネット カジノ 入金 不要 ボーナスne Group launched “Insurance against the risk of bad debts on accounts receivable” focused on small and medium business customers. (From January 2023)

Based on the requirements and needs of customers and local communities, ネット カジノ 入金 不要 ボーナスne 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 ネット カジノ 入金 不要 ボーナスne Group's sales platform to contribute to the improvement of our clients resilience.

Diversification of Distribution Model

ネット カジノ 入金 不要 ボーナスne Group will establish and expand highly specialized distribution networks as well as strengthen and upgrade embedded / direct distribution models.

Utilization of ネット カジノ 入金 不要 ボーナスne 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 to create time for employees to “focus on domains where we can deliver value,” we are working to thoroughly improve productivity and efficiency in all existing business processes through digital investments and use of generative AI.

Utilization of Chat GPT
  • Developed own proprietary security-conscious ChatGPT that enables the input of confidential information.
  • Aim to improve productivity by utilizing ChatGPT in information search and extraction, document making, and so on.
Utilization of Interactive AI Specialized in Insurance
  • Developed own interactive AI that specializes in insurance and has learned product rules and service contracts.
  • Aim to 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 ネット カジノ 入金 不要 ボーナスne Holdings for domestic and international entities and further develop Global integrated group management.

Utilization of Industry Leading Experts
  • Continue recruitment / development of experts for risk management, legal & compliance, internal audit etc., and promote further utilization across group companies.
[Japan] Consolidate Governance Functions and Enhance Internal Audit
  • Consolidation of governance functions such as the second and third lines of group companies for further direct instruction / supervision by TMHD.
  • Enhancement of direct audit by TMHD (conducted as necessary from FY2024).
[International] Enhance Internal Control and Further Support Aligned with Maturity Level of Group Company
  • Completed the formulation of action plans after evaluating the framework of each group company, and in the process of monitoring its progress. Promote enhancement of group companies’ framework thorough the PDCA cycle.
Utilization of External Perspectives
  • Established “Group Audit Committee” in April 2024. External members including the Chair comprise majority of the Committee
  • Utilize “external perspectives” to 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 to aim for world's top-class EPS growth and lift the level of ROE equivalent to 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+8% or more
Adjusted EPS
(CAGR from FY2023)
(Incl. capital gains from sale of business-related equities +16% or more)
+14% or more
Adjusted ROE
(Incl. capital gains from sale of business-related equities +20% or more)
CAGR+7% or more
Adjusted Net Income
(CAGR from FY2023)
(Incl. capital gains from sale of business-related equities +15% or more)

FY2024 Interim IR Conference