Japan Post Insurance delivers reliable security and reassurance to customers across Japan through its network of post offices.

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1 Japan Post Insurance delivers reliable security and reassurance to customers across Japan through its network of post offices. Profile Company Name JAPAN POST INSURANCE Co., Ltd. Starting Date of Business October 1, 2007 Head Office 3-2, Kasumigaseki 1-chome, Chiyoda-ku, Tokyo , Japan TEL (Japan Post Group main number) President, CEO (Representative Executive Officer) Masami Ishii Number of Employees 7,153 (as of March 31, 2015) Main Offices Regional Headquarters: 13 Branches: 82 Services Centers: 5 Paid-in Capital 500,000 million (as of September 30, 2015) Shareholder Japan Post Holdings Co., Ltd. (100%) (as of September 30, 2015) Disclaimer This report is intended to provide information to the public and is not intended to constitute a solicitation to invest in stock or other marketable securities of Japan Post Insurance Co., Ltd. or its subsidiaries. This report contains forward-looking statements regarding the outlook and targets of Japan Post Insurance or other companies in the Japan Post Group, which are based on the information available when the report was produced or Japan Post Insurance s expectations derived from projections or assumptions made at the time of report development. Please note that these forward-looking statements are subject to a broad range of risks and uncertainties, and actual results may vary materially from the statements contained in this report as a result of a change in the economic conditions or business trends, a revision to laws or regulations, effects of a large-scale disaster, fluctuations in the value of assets owned or harmful rumors or false information. Unless otherwise noted, financial figures in this report are reported on a consolidated basis. Unless the context indicates otherwise, references in this report to we, us, our or similar terms are to Japan Post Insurance Co., Ltd. Unless otherwise specified in this report, the information herein is as of November 4, 2015.

2 Contents Our Numbers Total Assets 84,915.0 billion Core Profit billion Number of Policies in Force 33,489 thousand Embedded Value 3,501.3 billion Heart 2 Dream 4 Top Message 6 Japan Post Group Medium-term Management Plan 8 Special Feature 12 Business Overview and Results 17 Performance Overview for the Year Ended March 31, Sound Management Indicators 19 Policyholder Dividends 21 Insurance Policies 22 Profits and Losses 24 Assets and Liabilities 25 Embedded Value (EV) 26 Asset Management Overview (General Account) 27 Status of Accumulation of Internal Reserves (Total of contingency reserve and reserve for price fluctuations) 3,210.8 billion Nationwide Network 20,076 post offices Real Net Assets 11,521.1 billion Sustainable Management 31 Internal Control Systems 32 Compliance 35 Management of Conflicts of Interest 37 Initiatives for Information Security Management 38 Handling of Antisocial Forces 40 Risk Management Systems 41 Customer Satisfaction 46 Education and Training 48 Information Systems to Support Customers 51 Disclosure Policy 52 Initiatives Related to Corporate Social Responsibility (CSR) 53 Financial and Corporate Information 59 *1 For details, please refer to Business Overview and Results on pages *2 The number of policies in force is the sum of individual insurance and Postal Life Insurance Policies reinsured by us. *3 The amount of core profit is on a non-consolidated basis. Consolidated Financial Statements 60 Supplementary Financial Data 96 Corporate Information 120 1

3 kokoro: heart We sincerely reach out and connect closely with the desires and hopes of our customers, providing them with services from the heart. Various events occur at different times over the course of one s lifetime. Japan Post Insurance offers a variety of products and services according to the different circumstances of each and every individual and family. Working as one with the Japan Post Group, we also provide people in the community with peace of mind through post offices that are always accessible. Japan Post Insurance s mission is to ensure that people spend every day with a sense of assurance wherever they live. 2 JAPAN POST INSURANCE Annual Report 2015

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5 yume: dream We support the dreams of people and our employees throughout the stages of their lives. All of us flourish by having dreams. The growth of each individual employee in turn enables Japan Post Insurance to prosper. Currently, we are about to undergo a major transformation and are uniting the strengths of our employees as we move toward a new stage. Japan Post Insurance will support the dreams of people and our employees as well as earn the trust and meet the expectations of our customers so that we grow to become the No. 1 Japanese insurance company selected by customers. 4 JAPAN POST INSURANCE Annual Report 2015

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