(E03833) Stock Price

Aioi Nissay Dowa Insurance Company is a leading insurance provider and core company of the MS&AD Insurance Group, operating in the general insurance business both domestically and internationally in Japan. The company offers various types of general insurance products including auto insurance, fire insurance, and accident insurance, providing insurance and financial services to a wide range of customers from individuals to corporations.

The company's primary customers are domestic individuals and corporations, with insurance premiums serving as the main revenue pillar. The revenue structure is primarily composed of insurance premiums collected from policyholders and investment returns generated from managing those funds. The company operates by deducting insurance claim payments and operational expenses from revenues and returning the resulting profits to shareholders.

The business is divided into three major segments, with domestic general insurance operations serving as the largest pillar. In overseas operations, the company has established local subsidiaries and branches in Europe, China, Australia, and the United States, providing insurance services globally. Additionally, the financial services division handles defined contribution pension plans and debt guarantee services, while the risk-related services division engages in automotive repair research and training operations, creating synergies with the insurance business.

Aioi Nissay Dowa Insurance is advancing management transformation centered on "CSV×DX" while preparing for a merger with Mitsui Sumitomo Insurance scheduled for April 2027. The company targets net insurance premiums of 1.471 trillion yen for fiscal 2025, representing approximately 40.7 billion yen in revenue growth from fiscal 2024 results. Through target settings of a 67.7% net loss ratio and 33.2% net business expense ratio, the company demonstrates a clear commitment to pursuing growth while improving profitability.

Positioning trust recovery as its top priority, the company is returning to its "customer-first" principles following inappropriate practices such as premium adjustment conduct in the corporate insurance segment. Specific initiatives include building genuine partnerships with agencies, implementing management reforms that enable employees to work with peace of mind, and enforcing appropriate premium setting aligned with risk. Particularly in overseas operations, the company is intensifying selectivity and concentration toward early profitability, shifting toward revenue-focused business operations.

In building new growth foundations, the company emphasizes strengthening digital-driven marketing and expanding into non-insurance business areas. In April 2025, the company plans to integrate its wholly-owned subsidiary Aioi Nissay Dowa Claims Adjustment through absorption and merger, advancing sophisticated claims investigation through digital utilization and establishing a stable claims adjustment system. This will enhance capabilities to address fraudulent repair claims while delivering high-quality customer-centric services.

In advancing sustainability management, the company demonstrates its commitment to actively contributing to a decarbonized society through reducing its own GHG emissions, providing products and services toward carbon neutrality realization, and continuing ESG investment and financing. Through these initiatives, as a member of the MS&AD Insurance Group, the company is advancing its transformation into an enterprise supporting the development of a resilient and sustainable society while aiming to create a world-class insurance and financial group.