Mission Statement, Vision, & Core Values (2026) of Tokio Marine Holdings, Inc.

Step into the world of Tokio Marine Holdings, Inc., a storied insurer with a legacy stretching back to 1879 and over 140 years of safeguarding clients worldwide, now operating in more than 50 countries and reporting that overseas business accounted for over 50% of total profits (2024), where its enduring mission-to protect customers and society in times of need-guides strategic moves like global risk diversification, digital transformation investments, and sustainability efforts; rooted in the creed of being a "Good Company", Tokio Marine pairs core values such as "Look Beyond Profit", "Empower Our People," and "Deliver on Commitments" with practical initiatives from disaster risk mitigation to renewable-energy transition support, all framed by a vision to be a top-tier specialty insurer recognized for people, performance, and customer-centric innovation as it adapts to evolving social and market challenges in late 2025

Tokio Marine Holdings, Inc. (8766.T) - Intro

• Global footprint: operations in more than 50 countries and territories, spanning life, property & casualty, specialty, reinsurance and asset management businesses.
• International profit shift: overseas operations have grown materially - overseas revenue and operations contributed over 50% of consolidated profits as of 2024.
• Historical scale: established 1879; more than 140 years of continuous underwriting and risk-management experience.

• Customer-first mission: rapid claims response, local presence, global support networks for major catastrophes.
• Operational focus: resilience in underwriting, diversified risk portfolio across geographies and product lines.
• Capital and finance discipline: balanced dividend policy and capital buffers to support solvency through stress events.

• Growth via diversification: increasing share of international P&C, specialty insurance and reinsurance earnings.
• Digital transformation: modernization of core systems, automation of claims and underwriting, AI/data analytics pilots.
• Sustainable finance: ESG integration into underwriting and investment activities, climate risk assessment frameworks.

Tokio Marine Holdings, Inc. (8766.T) - Overview

• Core mission: provide safety and security through highest-quality insurance and risk solutions, delivering value to customers and contributing to societal development.
• Ethos: balance robust corporate capability with empathy and long-term commitments to customers, business partners, employees, and society.
• Operational translation: integrate risk mitigation for natural disasters, support transition to renewable energy, and embed ESG across underwriting, investments, and operations.

• Global risk diversification: expand and manage geographically diversified portfolios to stabilize earnings against regional catastrophes.
• Integrated group management: coordinate domestic and international subsidiaries to leverage underwriting, claims, and investment synergies.
• Societal resilience: invest in disaster prevention, early warning systems, and community recovery programs; facilitate low-carbon transitions through insurance and financing solutions.

• Natural disaster risk mitigation: underwriting standards, catastrophe models, parametric insurance products, and capital reinsurance to protect solvency and support rapid claims payment.
• Climate transition support: insurance for renewable projects, green underwriting criteria, and sustainable investment allocation within the investment portfolio.
• Community & customer programs: post-disaster assistance funds, streamlined claims processes, and digital channels to improve accessibility and timeliness of support.
• Capital and governance alignment: maintain strong solvency positions, diversified investment strategy, and integrated group governance to sustain long-term commitments.

• Product design - catastrophic coverage: products priced and capitalized to ensure rapid payouts after major events, supporting societal recovery.
• Investment - ESG tilt: a growing percentage of investments directed toward green bonds and sustainable assets to finance low‑carbon infrastructure.
• Global operations - earnings stability: geographic diversification reduces volatility from localized catastrophes, aligning financial strength with customer protection.

Tokio Marine Holdings, Inc. (8766.T) - Mission Statement

• Commit to outstanding people, performance, and customer dedication.
• Deliver innovative insurance and risk solutions addressing customer and societal needs.
• Operate with integrity, transparency, and long-term stewardship of capital and trust.
• Embed sustainability and resilience into underwriting, investment, and operations.

• Global risk diversification - expand profitable specialty lines and geographic balance to reduce concentration risk.
• Customer solutions - scale digital distribution, parametric products, and preventive services to increase customer retention and satisfaction.
• Financial resilience - maintain strong capital metrics to ensure claims-paying ability and investment in innovation.
• Sustainability - align underwriting and investment policies to net-zero objectives and ESG targets.

• Integrated group management - centralized capital allocation and risk governance across specialty and retail businesses to realize scale efficiencies.
• Innovation & prevention services - combining underwriting with loss-prevention, analytics, and digital customer touchpoints to reduce frequency and severity of claims.
• Reinsurance & capital markets - active use of reinsurance, catastrophe bonds, and ILS to protect solvency and stabilize earnings.
• ESG integration - investment stewardship and underwriting guidelines aligned to climate transition pathways and social resilience goals.

• Improved customer retention and NPS rise from digital service rollouts in major markets.
• Reduced catastrophe P&L volatility via diversified reinsurance and geographic spread.
• Progress toward net-zero in investment portfolio and targeted reductions in insured carbon-intensive exposures.

Tokio Marine Holdings, Inc. (8766.T) - Vision Statement

• Look Beyond Profit - prioritize integrity, long-term societal value, and stakeholder trust over short-term financial gain.
• Empower Our People - cultivate engagement, ownership and creativity; treat employees as the primary drivers of innovation and service quality.
• Deliver on Commitments - sustain high-quality execution and reliability to strengthen relationships with customers, brokers, regulators and communities.

• Compliance & ethics: a global compliance program with mandatory training, whistleblower channels and periodic audits to reduce conduct and operational risk across ~40 countries of operation.
• Employee wellbeing: group-wide initiatives targeting mental health, productivity and retention, backed by internal metrics such as employee engagement scores and reduced turnover targets.
• Product innovation & M&A discipline: acquisition and product decisions are screened for alignment with social value creation and long-term solvency impact.

• Risk appetite and M&A: acquisitions are evaluated for strategic fit, cultural alignment with the core values, and solvency impact (S&P / Moody's / JCR ratings historically supportive of investment-grade balance sheet management).
• Customer-centric product development: tailored commercial lines and specialty solutions that emphasize loss prevention, continuity planning and social resilience.
• Transparency & reporting: enhanced ESG disclosures and sustainability-linked performance indicators integrated into annual reporting and investor communications.