Soundness, Profitability
(As of September 30, 2023)
Group ESR
212%
An indicator of economic value to see if there is enough capital secured in comparison to our overall risk (confidence level 99.5%)
Consolidated Solvency Margin Ratio
989.2%
As one of several regulatory indicators displaying the soundness of insurers, the solvency margin ratio is presented to determine whether or not the insurer has sufficient claims-paying ability capable of withstanding the occurrence of events such as catastrophe or a collapse of stock prices that goes beyond normal expectationsrisks beyond normal expectations
Group Surplus
8,890.0billion yen
An economic-value-based corporate value indicator
On-Balance Sheet Capital
4,247.0billion yen
The total amount of specified internal reserves and externally financed capital
Real Net Assets
8,547.3billion yen
An asset obtained by evaluating securities and real estate in the market values and deducting various policy-related liabilities, and is one of several regulatory indicators displaying the soundness of life insurers
risks beyond normal expectations
Life insurance companies set insurance premiums based on the assumed mortality rate , assumed hospitalization rate, and assumed interest rate which has been set in anticipation of safety in advance, so even if risks occur within the range that anticipates this safety, it is possible to cover with reserves (policy reserves) accumulated based on insurance premiums in preparation for payment of insurance claims.
On the other hand, risks such as catastrophes and stock price crashes that cannot normally be anticipated are not covered by the policy reserves. But even if such risks occur, it is necessary to secure paying capacity with contingency reserves, reserve for price fluctuation, and unrealized gains on securities for the payment of claims.