Mission Statement, Vision, & Core Values (2026) of T&D Holdings, Inc.

T&D Holdings, Inc., the Tokyo-listed group under ticker 8795.T, stitches together life insurers Taiyo Life and Daido Life with T&D Financial Life and affiliates like T&D Asset Management to pursue a bold corporate philosophy-Try & Discover-that underpins its May 2021 launch of the Group Long-Term Vision, Try & Discover 2025, aiming to boost capital efficiency and tackle social issues; headquartered in Tokyo, the conglomerate has defined five primary issues-from strengthening core businesses and diversifying the portfolio to upgrading capital management, promoting integrated group management, and embedding SDG-driven value creation-while emphasizing sustainability, diversity and inclusion, and delivering safety and security through insurance and asset management as it continues toward sustainable growth and stakeholder value creation into late 2025.

T&D Holdings, Inc. (8795.T) - Intro

• Core business segments: life insurance, asset management, corporate/FOF investments, specialty insurance and financial services.
• Headquarters: Tokyo, Japan; listed on the Tokyo Stock Exchange (8795.T).
• Long‑term framework: "Try & Discover 2025" (announced May 2021) - focuses on capital efficiency, portfolio optimization and SDG integration.

• Strengthen core life‑insurance franchises (Taiyo Life, Daido Life, T&D Financial Life) to stabilize cashflows and policyholder trust.
• Diversify and optimize the business portfolio - expand high‑return asset management and fee income streams to reduce reliance on interest margin.
• Upgrade capital management - enhance solvency, returns on equity and disciplined allocation of surplus capital.
• Promote integrated group management - centralized governance, unified risk management and cross‑selling across subsidiaries.
• Manage SDGs to create value - embed ESG in underwriting, investment and corporate activities to support sustainable society goals.

• Mission (Why): Provide security and value to customers and society via insurance, investment and risk management solutions - realized via stable protection products and sustainable investments.
• Vision (What): Become a capital‑efficient, diversified financial group that addresses societal risks and contributes to a sustainable economy - articulated in "Try & Discover 2025."
• Core KPIs tied to the vision:
  • Improvement in capital efficiency metrics (ROE, EV spreads)
  • Increase in fee income / non‑interest revenue share
  • Progress on ESG investment targets and SDG‑linked initiatives
  • Cost/income ratio improvements through group integration

• Try & Discover - encourage experimentation, pilot programs and iterative product development (e.g., new protection products, digital onboarding).
• Customer safety and trust - conservative asset‑liability management, long‑term product design, claims transparency.
• Integrity and compliance - group governance, risk controls and regulatory alignment across subsidiaries.
• Diversity & inclusion - initiatives to respect individuality, ensure safety and promote career development to sustain workforce resilience.
• Sustainability orientation - integrate ESG into underwriting and principal investment decisions to generate both financial return and social value.

• Asset allocation shifts toward alternative/real assets and high‑conviction equity strategies to boost fee income and diversify returns.
• Group capital management programs to redeploy excess capital into growth areas while maintaining regulatory buffers.
• ESG integration in investment policy statements and targeted investment in climate‑resilient infrastructure and social housing.
• Cross‑subsidiary initiatives to develop pet and family insurance products leveraging group distribution and data analytics.

T&D Holdings, Inc. (8795.T) - Overview

• Core purpose: Deliver safety and security to customers while creating shared value for society and shareholders.
• Motto application: Encourage iterative innovation across product, service delivery, and investment strategies.
• Mutual assistance: Reinforces life insurance fundamentals - risk pooling, long-term protection, and community support.

• Capital-efficiency targets: optimize portfolio duration and capital allocation to improve ROE toward mid- to high-single digits.
• Sustainability integration: link investment and underwriting to ESG outcomes, reducing climate-related exposures and financing social infrastructure.
• Customer safety and security: expand products addressing longevity risk, medical cost inflation, and disaster-related protection.

T&D Holdings, Inc. (8795.T) Mission Statement

• Proactive adaptation: the vision calls for recognizing rapid societal shifts early and responding with initiative rather than reaction.
• Bold collaboration: it encourages working with like-minded partners and stakeholders to scale positive impact globally.
• Happiness-driven value creation: aligning products, services and corporate activities to tangible improvements in people's lives.
• Continuous improvement and innovation: fostering a culture where employees strive to adapt and improve more flexibly than competitors.
• Global inclusiveness: aiming to be a comprehensive insurance group that can create happiness for each and every person in the world.

• Coherence with long-term objectives: the vision functions as a stable decision-making compass across business units.
• Integration into operations: product development, distribution, and investment strategies are shaped to advance 'happiness' metrics alongside financial returns.
• Human capital focus: talent development and employee engagement are oriented toward bold problem-solving and societal contribution.

• Product innovation: tailoring insurance and financial solutions that address shifting demographic and lifestyle needs.
• DX and data analytics: leveraging digital transformation to improve customer experience and respond quickly to societal change.
• Strategic partnerships: collaborating with fintechs, healthcare providers and NGOs to extend reach and social impact.
• Sustainability investments: allocating capital toward ESG-aligned assets that generate both societal good and financial returns.

• Customer-centric design programs that measure 'happiness' and satisfaction as part of product KPIs.
• Employee-driven innovation challenges to accelerate small-scale pilots and scale successful ideas group-wide.
• Community outreach and prevention programs in health and disaster resilience that translate insurance purpose into real-world protection.

T&D Holdings, Inc. (8795.T) - Vision Statement

• Commitment to society: embed solutions that address aging populations, disaster resilience, and long-term financial security.
• Innovation-driven growth: systematically pilot and scale initiatives that meet unmet social needs while creating new revenue streams.
• Capital efficiency and integrated management: optimize group capital allocation and collaboration across subsidiaries to enhance consolidated corporate value.
• Diversity, inclusion and workplace health: foster talent and operational resilience through respect for individual differences and safe working conditions.
• Sustainability as core business: align underwriting, investment and product design with climate and ESG objectives to secure customers' safety and long-term returns.

• Product and distribution innovation: accelerate development of annuity, long-term care riders, and digital advisory to meet aging demographics and improve persistency.
• ESG-integrated investments: increase allocation to sustainable infrastructure and green bonds to support climate resilience while pursuing stable returns.
• Capital efficiency programs: centralized capital allocation, intra-group reinsurance and risk transfer mechanisms to optimize solvency and return on equity.
• Human capital & inclusion initiatives: expand training, flexible work arrangements and diversity KPIs to improve productivity and risk management capacity.