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XData?Y Date Aligned?Z Dotted Line?[ Emphasis 1?\ Emphasis 2?] Emphasis 3?^Footnote?_ Hard Percent? `Header? aHeader1? bHeader2?c Heading 1?d Heading 2?e Heading 3?f Heading 4? gInput?hInput [yellow]?i Linked Cell?jMultiple? kNeutral?lNormal - Style1?mNormal 2?nNormal_#18-Internet? oNote? pOutput?q Page Number?r Percent [2]?s Percent 2?t Sheet Title?u Table Head?vTable Head Aligned?wTable Head Blue?xTable Head Green?y Table Title?z Table Units? {Total?|?0?0?0?0?0 1?}?0?0?0?0?0 2?~?0?0?0?0?0 3??0?0?0?0?0 4???0?0?0?0?0 5???0?0?0?0?0 6???0?0?0?0 ?0?0???????????0?0?0 ?0?0? ???{????????? ?Ɩ?? ??Q?R????????? ?eQ?R????'?j?n_~?x??????????`1X0x???????S??? ?????8????????????????????3????????ff?f3f???????????3f??????ff???f?????????????????f??????????????????????????f?f???f????????3???333???????f\????Q8??Ⱦ?eR?fN?-cR-d@? &???{ f4?(g }P[ - P?N(u?0?0?0`??WTokio Marine & Nichido?e? Nisshin Fire??IMajor US Subsidiaries?QQ?  ;  ;?  ;?  ;?  ;?O5 Z_658BBEC8_8F52_4E66_992D_63522D644091_.wvu.PrintArea;?O5 Z_658BBEC8_8F52_4E66_992D_63522D644091_.wvu.PrintArea;???"??e?q- 5- 5 /Tokio Marine & Nichido Fire Insurance Co., Ltd. 5Tokio Marine Holdings, Inc. 5(billions of yen, except for %) 5FY2013 5FY2014 51Q 52Q 53Q 54Q 5 (Apr.-Jun.) 5 (Apr.-Sep.) 5 (Apr.-Dec.) 5 (Apr.-Mar.) 5FireMarineP.A.AutoCALIOtherTotal Non-fleet 5Premiums 5Number of cars 5Per-auto premiums 5Fleet 5Total 5&(*) Including loss adjustment expenses 5Total  5'(*) Including loss adjustment expenses 5Fire 5Marine 5Auto 5Other 5'(*) Excluding loss adjustment expenses 5P.A. 54Operating and general administrative expenses on U/W 5Personnel expensesNon-personnel expensesTax and contribution Agency commissions and brokerage 5!Business expenses on underwriting 5Agency commission ratioExpense ratioOutstanding claims excl. IBNR 5IBNR 5/(*1) Excluding Residential earthquake insurance 5%(*2) Residential earthquake insurance 5CALI 5:(*) Including reserve for Residential earthquake insurance 5X(*) Total of Policyholders' contract deposits and Reserve for dividends to policyholders 5Interest and dividendsDomestic bonds 5Domestic stocks 5Foreign securities%Investment income on deposit premiums 5Net interest and dividends#Gains/Losses on sales of securitiesImpairment losses on securitiesGains/Losses on derivatives$Other investment income and expensesNet investment income*Nisshin Fire & Marine Insurance Co., Ltd.  5(millions of yen, except for %) 5-4Operating and general administrative expenses on U/W ?%Net premiums written :?%Auto insurance : YoY change (Managerial accounting basis)  5 ?%Net claims paid ?%Net W/P basis loss ratio*  5*?%Net incurred losses (Private insurance)*  5600 Excluding Residential earthquake insurance and CALI' 5W?%Net incurred losses caused by natural disasters during the period (Private insurance)*: 5.?%Net E/I basis loss ratio (Private insurance)*  5T?%Net E/I basis loss ratio excluding impact of natural disasters (Private insurance)*  5# ?%Business expenses on underwriting   ?%Expense ratio  ?%Outstanding claims reserves  Fire*1< 5 CALI, EQ*2< 5?%General underwriting reserve  5 Fire*< 5?%Catastrophe loss reserve  5#?%Reserves for saving type products*  5?%Underwriting profit  5?%Net investment income  5?%Ordinary profit  5 ?%Net income  5?%Net claims paid  5FY2015 5 - 5(USD in millions, except for %)Net premiums writtenNet premiums earnedIncurred lossesCommission/Corporate expensesUnderwriting profit/lossNet investment income/lossI Major US Subsidiaries Reference Information (managerial accounting basis)A 5rTokio Marine Holdings, Inc. 5r Philadelphia 5rDelphi 5rYoY 5r Loss Ratio* C 5r Expense Ratio*C 5r Combined Ratio*C 5r)* Denominator used is net premiums earned 5r FY2014 2Q 5 FY2015 2Q 5November 18, 2015 5November 18, 2015 5 Business Unit Profits 5?zC 1D= ExE??F??G?I(?J??K? 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