Sompo Holdings Profile

Sompo Holdings Profile

Realization of Theme Park for the Security, Health, and Wellbeing of Customers The Sompo Holdings Group is reforming existing models as well as its entire portfolio by leveraging digital technologies and developing new es and services. By creating new value through transformation into a theme park for the security, health, and wellbeing of customers, we aim to help realize a resilient, sustainable society. Domestic P&C insurance Domestic life insurance Nursing care & healthcare Overseas insurance Domestic P&C Insurance Business Value-generating innovation Be the most highly evaluated P&C insurance company Sompo Japan Nipponkoa Insurance Inc. sells insurance through agencies. SAISON AUTOMOBILE AND FIRE INSURANCE COM- PANY, LIMITED and Sonpo 24 Insurance Company Limited are responsible for direct sales. In addition, Sompo Japan Nipponkoa DC Securities Inc. provides defined contribution pension fund management services, and Sompo Risk Management Inc. provides risk solution services and handles the cybersecurity. Sompo Japan Nipponkoa s Products and Services That Leverage Leading-Edge Digital Technologies Safe Driving Support System for Companies Smiling Road We offer a telematics-enabled service that supports safe driving using a dedicated driving monitor. The service reduces accidents, with the cumulative number of accidents at all companies using the service down roughly 20%. Sompo Risk Management s Main Services Support services to establish, revise, and train in continuity plans Social media risk consultation services Cybersecurity services Introduction of Telematics-Enabled Insurance with Safe Driving Discounts We have developed Japan s first telematicsenabled insurance. Customers can receive discounts of up to 20% on premiums based on the results of the driving examinations of our smartphone app. We have been selling the new insurance product since January 2018.

Overseas Insurance Business Accelerate growth through steady organic growth and disciplined M&A activities The Sompo Holdings Group has developed its through organic growth and disciplined M&A. The group operates its overseas in 218 cities located in 30 countries and regions worldwide, in both developed and emerging countries. Global Expansion 218 cities in 30 countries and regions (As of March 31, 2018) Sompo International, the core company in the overseas insurance, is a global specialty provider of commercial P&C insurance and reinsurance, currently comprised of the operations of legacy Endurance (acquired in March 2017), Sompo America and SJNK Europe. This company, with highquality underwriting and risk management expertise in the commercial, offers a wide range of commercial property, liability and specialty insurance and reinsurance products on a global basis. Sompo International s operating platform across North America and Europe will lead the strategic expansion of Sompo s overseas commercial and retail. In the retail, we have established a new platform in Sompo International Holdings to facilitate the integration of our overseas operations. This new platform will enable us to accelerate the growth of the overseas insurance by sharing underwriting, technology, and other expertise to fully leverage the Group s resources. Domestic Life Insurance Business Evolve into a health support enterprise The second founding Sompo Japan Nipponkoa Himawari Life Insurance, Inc., offers new services centered on health and sells protection products, such as medical insurance and family income insurance, mainly through agencies. Development of the Health Service Brand Linkx (pronounced link cross ) is a health service brand that we launched in September 2016.Our aim is to offer health-related apps and products that not only pay out the insurance amount when the need arises but also provide support for illness avoidance by building relationships with customers throughout their lifetimes and helping customers maintain and improve their health. Health information app that supports personal health Dieting app that enables friends or partners to pair up to keep each other on track The Launch of Our First Insurhealth Product In April 2018, we launched a renewed family income insurance product, which combines insurance coverage and health support. The insurance industry s first Get Healthy Challenge! program reduces the premiums of customers whose health improves within a certain period after enrollment. Moreover, the program provides customers with a reimbursement of the difference between the former and reduced premiums dating back to the time of policy enrollment. Walking app that makes daily walks more fun Automatic household accounting app that visualizes money flows

Nursing Care & Healthcare Business Realize Japan, an affluent country that can boast to the world of a long and quality life In July 2018, we merged our four nursing care service companies and relaunched them as Sompo Care Inc. Further, in April 2018 we introduced a Regional Headquarters System that divides Japan into four regions. This enables us to provide one-stop consultation services in each region with respect to our full lineup of nursing care services, which encompasses everything from athome nursing care to facility based nursing care. Nursing Care Business Sales of Listed Nursing Care Providers (Fiscal Year Ended March 31, 2018) Facility-based nursing care At-home nursing care We operate 299 fee-based nursing homes in the low- to mid-price range under the Sompo Care Sompo no Ie and Sompo Care La vie Re brands as well as 132 serviced residential complexes for the elderly under the Sompo Care Sompo no Ie S brand. Under the Sompo Care brand, we provide home-visit nursing care and other at-home nursing care services through 686 offices. Sompo Care Group s sales second highest in industry 1 Company A 148.1 billion 2 Sompo Care Group 119.2 billion 3 Company B 111.8 billion 4 Company C 81.8 billion 5 Company D 45.5 billion 6 Company E 39.5 billion * The number of at-home nursing care service offices is based on the number of separately registered service types and differs from the number of locations * Prepared by Sompo Holdings, Inc., based on each company s financial settlement documents Strategic Businesses Asset Management Business Home Remodeling Business This company proposes and provides top-caliber products and asset management services to assist customers in building asset portfolios over the medium-to-long term. Such offerings are made available through its investment advisory geared toward pension funds and other institutional investors and through its investment trust designed primarily for private investors. As a general remodeling firm, the company eliminates uneasiness, inconvenience, and discomfort through high-quality remodeling services, providing homes in which residents can live safely, comfortably, and with peace of mind. Assistance Business Extended Warranty Business Healthcare Business We offer services of the highest grade 24/7 that support the security and wellbeing of customers in their daily lives. As a professional extended warranty company, we offer extended warranty services that enable customers to prolong insurance periods beyond product manufacturers warranty periods and use repair services for malfunctioning or defective products. We use the latest technologies to provide companies, medical insurers, and other customers with comprehensive health-care services, which cover individualized analysis of mental and physical health through to prevention and recurrence prevention. Main services Road assistance Home assistance Overseas medical care program Business process outsourcing Services for visitors to Japan Main services Support services for Health & Productivity Management* and for mental and physical health Health guidance and support service (information services, specific health guidance, support in preventing the progression of disease) * Health & Productivity Management is a registered trademark of the incorporated nonprofit organization Workshop for the Management of Health on Company and Employee

Development of Products and Services Leveraging the Latest Digital Technologies We have established SOMPO Digital Lab in the world s leading-edge technology hubs as a base for the creation of products and services that use new digital technologies. As an addition to our two labs in Tokyo and Silicon Valley, we established a lab in Israel in November 2017. DRIVING! Safe Driving Support Service for Individuals In January 2018, as a rider for automobile insurance, we introduced a service for individuals that is based on telematics and driving recorders. We help customers drive safely by using our differentiated capabilities as an insu rance company to provide an extensive lineup of services that contributes to safety and reassurance when customers are driving, when they are off the road, and if an accident occurs. Home Hazard Maps We have developed unique hazard maps by combining the insurance payment data of Sompo Japan Nipponkoa with the hazard maps issued by public institutions. We have been providing these maps through agencies nationwide since April 2018. We are endeavoring to further enhance the satisfaction of customers with respect to their insurance policies by visualizing natural disaster risks in regions where customers reside such as the probability of earthquakes, envisioned inundation height (water depth) during floods, and locations with a danger of landslides and giving customers a better understanding of natural disaster risks. Participation in the Cybersecurity Business One-Stop Platform The Sompo Holdings Group entered the cybersecurity in January 2018. We offer one-stop services for cybersecurity measures that encompass risk assessments and preventive Simple diagnosis Sophisticated diagnosis Policy formulation Reinforcement measures Full service lineup Monitoring and detection Accident response Insurance payment measures through to compensation. These services are based on an alliance with cybersecurity providers who offer advanced services and the leading-edge technologies that are available to the Group through SOMPO Digital Lab Tel Aviv s local net- Tel Aviv / Silicon Valley Collaboration Partner companies with advanced technological and solution capabilities work in Israel. Launch of the SOMPO Dementia Support Program In order to address various social issues surrounding dementia, Sompo Holdings, Inc., launched SOMPO Dementia Support Program by aiming to build a society that strives to prevent dementia, and enables people to continue living with dignity as individuals, even after being diagnosed with dementia. Since October 2018, Sompo Japan Nipponkoa has been marketing Oyako No Chikara, an insurance product that enables people to avoid having to resign from work to provide nursing care to aging parents. At the same time, Sompo Japan Nipponkoa Himawari Life Insurance has been marketing Linkx Egao Wo Mamoru Dementia Insurance, an insurance product which pays a one-time insurance benefit when the insured is diagnosed with both mild cognitive impairment (MCI) and dementia. As an ancillary service to these products, we are also providing the SOMPO Egao Club Dementia Support Service, which supplies information of the measures to prevent a cognitive impairment and services to support the delivery of appropriate care. A screenshot of the SOMPO Egao Club website service menu page

Key Indicators Net Premiums Written Net Income Attributable to Rating Information (As of August 16, 2018) Shareholders of the Parent (billions of yen) 3,000 2,500 2,000 2,552.12,550.3 2,854.7 (billions of yen) 200 150 159.5 166.4 139.8 Rating agency S&P Moody s Object Financial Strength Rating Insurance Financial Strength Rating Sompo Japan Nipponkoa A+ A+ A1 Sompo Japan Nipponkoa Himawari Life 1,500 1,000 500 0 2015 2016 2017 (FY) 100 50 0 2015 2016 2017 (FY) Rating and Investment Information, Inc. (R&I) Japan Credit Rating Agency, Ltd. (JCR) A.M.Best Issuer Rating AA Insurance Claims Paying Ability Ability to Pay Insurance Claims Rating Financial Strength Ratings AA AA+ A+ History Tokyo Fire Jul. 1887 Nippon Accident May 1911 Nippon Fire May 1892 Chugai Marine Apr. 1918 Yasuda Fire & Marine Nissan Fire & Marine Taisei Fire & Marine Nippon Fire & Marine Koa Fire & Marine Sompo Japan Jul. 2002 NIPPONKOA Apr. 2001 NKSJ Holdings Established on April 1, 2010 Sompo Japan Nipponkoa Holdings Changed our company name on September 1, 2014 Sompo Japan Nipponkoa Merged on September 1, 2014 Sompo Holdings Changed our company name on October 1, 2016 FY2011 June October FY2012 April September FY2013 June Berjaya (Malaysia) becomes consolidated subsidiary. Sompo Japan Himawari Life and Nipponkoa Life merge to form the company that is now Sompo Japan Nipponkoa Himawari Life Insurance. Prime Assistance is established and enters assistance. Cedar becomes affiliate and enters nursing care. Marítima Seguros (Brazil) becomes consolidated subsidiary. FY2014 September FY2015 April December March Sompo Japan and NIPPONKOA merge to form Sompo Japan Nipponkoa. Fresh House becomes subsidiary and enters home remodeling. Watami no Kaigo becomes subsidiary, and Group establishes Sompo Care Next. Product Warranty Japan (now Sompo Warranty) becomes subsidiary and enters extended warranty. Former capital alliance partner Message becomes subsidiary. FY2016 June March FY2017 January FY2018 July October Group concludes Bancassurance agreement with major banking group in ASEAN, CIMB Group Holdings. Sompo International (British Overseas Territory of Bermuda) becomes subsidiary. The Sompo Holdings Group enters the cybersecurity. Four companies, including Sompo Care and Sompo Care Next, merge to form Sompo Care. Sompo Risk Management & Health Care splits into Sompo Risk Management and Sompo Health Support. Domestic P&C Insurance Business Domestic Life Insurance Business Nursing Care & Healthcare Business Overseas Insurance Business Strategic Businesses Corporate Data (As of March 31, 2018) Company name : Sompo Holdings, Inc. Date of establishment : April 1, 2010 Capital Group CEO President & CEO : 100 billion yen : Kengo Sakurada Business activities Exchange listing : Management of P&C insurance companies, life insurance companies, and other companies controlled as subsidiaries pursuant to the Insurance Business Law, and other related operations. : Tokyo Stock Exchange (First Section) 26-1, Nishi-Shinjuku 1-chome, Shinjuku-ku, Tokyo 160-8338, Japan URL: https://www.sompo-hd.com/en/ 18.11 501427-0600