The Kyoei Fire and Marine Insurance Company,Limited (E03850) Stock Price

Kyoei Fire and Marine Insurance is a property and casualty insurance company that operates as a major domestic insurance business. The company provides various property and casualty insurance products, including fire insurance and auto insurance, offering protection against diverse risks for individuals and businesses. It has established a stable business foundation in the property and casualty insurance industry and plays an important role in protecting customers' assets and business operations.

The company's business is primarily supported by insurance premium income received from policyholders. Its main revenue structure consists of insurance claim payments when insured events occur and asset management of collected premiums. The customer base ranges from individuals to corporations, and the company offers insurance products designed to meet risk management needs in daily life and business activities.

The company group's business segments are centered on property and casualty insurance, with subsidiaries Sanko Co., Ltd. and Kyoei Safety Life Systems Co., Ltd. handling property and casualty insurance-related operations. Additionally, Kyoei Fire Office Service Co., Ltd. manages related operations such as general affairs and administrative outsourcing services, with the entire group providing comprehensive services centered on property and casualty insurance business.

Kyoeikasai Marine and Fire Insurance has formulated a new medium-term management plan titled "SHIFT～Toward Sustainable Growth～" covering fiscal years 2025 through 2027, and is working to establish a business structure aimed at sustainable growth. The company has adopted two fundamental policies: "Strengthening, deepening, and expanding connections" and "Establishing a business structure for sustainable growth," with the goal of becoming a company that continues to be needed by all stakeholders. In response to changing business environments such as climate change and advances in digital technology, the company is building a framework to continuously implement growth investments including human capital investment and system investment.

The company's greatest competitive advantage lies in the deep relationships it has cultivated with cooperative associations and cooperative organizations since its founding. Building on long-standing trust relationships with agricultural, forestry, and fishery cooperatives, credit unions and credit associations, consumer cooperatives, and other cooperative organizations, the company pursues distinctive business activities. Additionally, by further strengthening trust relationships with all business partners—including affiliated companies, dealers, repair shops and their agents, as well as unique sales channels such as Kyoei Pro Club and direct sales employees—the company has adopted a strategy to achieve stable and continuous growth.

The company has clearly defined its policy to prioritize addressing challenges in four areas—"society," "people," "food," and "environment"—in pursuit of the Sustainable Development Goals. The company's mission is to deliver "peace of mind" and "safety" through the provision of insurance services, with the goal of supporting social development and people's prosperous lives. In response to premium adjustment practices and information breaches occurring in the non-life insurance industry, the company is implementing recurrence prevention measures based on financial regulations and industry guidelines, and is demonstrating its commitment to contributing to the restoration of trust in the industry as a whole by thoroughly enforcing customer-centric business operations.