Sustainability Topics

Sustainability Data

Organization Profile

Initiatives to Address the Working Environment

Initiatives to Address Corporate Governance

Initiatives to Address the Environment

Other Initiatives

Organization Profile

Financial Highlights

The major financial indicators of the T&D Insurance Group can be viewed in the graphs and tables, and the information on the Results of Operation, Balance Sheet, Embedded Value (EV), and Per Share Indices have been posted.

https://www.td-holdings.co.jp/en/ir/finance/data.php

Credit Ratings

T&D Holdings and the three life insurance companies of the T&D Insurance Group have obtained ratings as follows.
Each of the ratings are assessed by an independent credit rating agency in regards to the certainty of an obligor to honor its financial obligations by T&D Holdings, and the Ability to Pay Insurance Claims by the insurance company. Ratings are shown clearly in alphabetize signs etc.

https://www.td-holdings.co.jp/en/ir/finance/rating.php

Insurance Payout Amount

FY2025 Insurance claim Benefit
(hospitalization, surgery, etc.)		 Annuity Total
Consolidated (¥ billion) 307.7 175.3 341.1 824.2

* Amounts under ¥100 million are rounded off

Initiatives to Address the Working Environment

Employment of People with Disabilities

Employment of People with Disabilities at the Three Life Insurance Companies
FY2023 FY2024 FY2025 ★
Employment rate of people with disabilities 2.58% 2.57% 2.67%

★ Indicates limited verification has been carried out by a third party.

* The eligible organizations for calculation of the employment rate of people with disabilities are Three Life Insurance Companies.

* The employment rate of people with disabilities is calculated based on the Act to Facilitate the Employment of Persons with Disabilities and other regulations.

Ratio of Female Managers

Ratio of Female Managers in Administrative Personnel of Three Life Insurance Companies
FY2023 FY2024 FY2025
Ratio of female managers 23.0% 24.6% 26.0% ★

Ratio of female junior managers among all junior managers

 48.0% 47.9% Being
calculated

The ratio of female managers in sales-generating departments

 12.6% 15.5% 18.0%

★ Indicates limited verification has been carried out by a third party.

*The eligible person for calculation of the ratio of female managers are administrative personnel of Three Life Insurance Companies.

*The ratio of female managers is calculated as of April 1 of the following fiscal year.

*The ratio of female managers is calculated based on the following definitions.

• Taiyo Life: Senior Deputy Manager or higher position

• Daido Life: Assistant Manager or higher position

• T&D Financial Life: Assistant Manager or higher position

Gender Wage Gap

Gender Wage Gap at Three Life Insurance Companies
Gender wage gap
(Wages for women/Wages for men)		 FY2023 FY2024 FY2025
All employees 42.0% 43.5% 43.8% ★

Full-time employees

 42.3% 43.8% 44.0% ★

Part-time and fixed time workers

 34.9% 35.9% 39.4% ★

Management positions for administrative staff(general career track)

 81.1% 82.9% 84.4%

Non-management positions for administrative staff(general career track)

 77.7% 81.5% 84.1%

★ Indicates limited verification has been carried out by a third party.

*The eligible organizations for calculation of the gender wage gap are Three Life Insurance Companies.

*The gender wage gap is calculated in accordance with the provisions of the Act on the Promotion of Women’s Active Engagement in Professional

Taking of Maternity, Childcare Leave and Nursing Care Leave

Taking of Maternity, Childcare Leave and Nursing Care Leave at the Three Life Insurance Companies
FY2023 FY2024 FY2025
Number of employees taking maternity leave Total 475 456 516
Number of employees eligible to take childcare leave Total 552 527 606
Men 77 71 90
Women 475 456 516
Number of employees taking childcare leave Total 512 496 629
Men 77 71 95
Women 435 425 534
Number of employees taking nursing care leave Total 3 2 2
Men 1 1 0
Women 2 1 2

* Taking of Maternity and Childcare Leave at the Three Life Insurance Companies

* The number of administrative personnel of the three life insurance companies who have returned to work after taking childcare leave is as follows.

  • Fiscal 2023 141 (92.8%)［Men 76 (100%), Women 65 (85.5%)］
  • Fiscal 2024 128 (80.0%) [Men 67 (100%), Women 61 (65.6%)]
  • Fiscal 2025 156 (98.7%) [Men 78 (100%), Women 78 (97.5%)]

Taking Paid Leave

Average Number of Paid Leave Days Taken by Administrative Personnel of Three Life Insurance Companies
FY2023 FY2024 FY2025
Average number of paid leave days taken 17.1 18.2 17.1

Workforce Composition

Employee Composition by Age Group
Number of employees March 31, 2024 March 31, 2025 March 31, 2026
Total (men and women) Total 18,802 19,701 20,064
Under 30 3,237 3,520 3,405
30-50 8,159 8,704 8,954
Over 50 7,406 7,477 7,705
Men Total 3,362 3,624 3,677
Under 30 466 587 650
30-50 1,623 1,706 1,646
Over 50 1,273 1,331 1,381
Women Total 15,440 16,077 16,387
Under 30 2,771 2,933 2,755
30-50 6,536 6,998 7,308
Over 50 6,133 6,146 6,324

* Number of employees at the three life insurance companies (including in-house sales representatives)

** Percentage of female employees in STEM (IT, mathematics) related departments: FY2023 (41.8%), FY2024 (41.8%), FY2025 (41.2％)

Number of People Hired /Number Leaving Employment

Number Hired
FY2023 FY2024 FY2025
Number of People Percentage compared to number of employees at fiscal year end Number of People Percentage compared to number of employees at fiscal year end Number of People Percentage compared to number of employees at fiscal year end
Total (men and women) Total 321 5.48% 363 5.67% 369 5.76%
Under 30 225 3.84% 273 4.26% 287 4.48%
30-50 80 1.37% 71 1.11% 60 0.94%
Over 50 16 0.27% 19 0.30% 22 0.34%
Men Total 138 2.36% 161 2.52% 179 2.80%
Under 30 114 1.95% 128 2.00% 157 2.45%
30-50 16 0.27% 24 0.38% 19 0.30%
Over 50 8 0.14% 9 0.14% 3 0.05%
Women Total 183 3.13% 202 3.16% 190 2.97%
Under 30 111 1.90% 145 2.27% 130 2.03%
30-50 64 1.09% 47 0.73% 41 0.64%
Over 50 8 0.14% 10 0.16% 19 0.30%

* Number of administrative personnel hired at the three life insurance companies each fiscal year. All percentages are based on the number of employees at the end of each fiscal year.

Turnover
FY2023 FY2024 FY2025
Number of People Percentage compared to number of employees at fiscal year end Number of People Percentage compared to number of employees at fiscal year end Number of People Percentage compared to number of employees at fiscal year end
Total (men and women) Total 260 4.44% 263 4.11% 279 4.28%
Under 30 95 8.95% 86 6.95% 85 6.64%
30-50 84 2.98% 79 2.58% 86 2.58%
Over 50 81 4.10% 98 4.67% 108 4.95%
Men Total 119 3.84% 119 3.54% 116 3.38%
Under 30 42 9.33% 34 6.01% 34 5.41%
30-50 40 2.61% 45 2.78% 35 2.23%
Over 50 37 3.33% 40 3.40% 47 3.82%
Women Total 141 5.11% 144 4.74% 163 5.29%
Under 30 53 8.68% 52 7.75% 51 7.84%
30-50 44 3.44% 34 2.35% 51 3.44%
Over 50 44 5.08% 58 6.31% 61 6.42%

* Number of administrative personnel leaving employment at the three life insurance companies each fiscal year. All percentages are based on the number of employees at the end of each fiscal year.

* The number of persons leaving employment includes those who have reached mandatory retirement age, those who have left to assume posts as officers, and those who have died.

* Over 50 includes Fixed-term contract (shokutaku) employees.

Voluntary Turnover Rate
FY2023 FY2024 FY2025
Voluntary turnover rate 3.67% 3.45% 3.56%
Workforce Diversity Data
FY2023 FY2024 FY2025
Average years employed by the company for female employees 17.4 17.7 17.8
Average years employed by the company for male employees 19.7 20.0 20.0

* Calculations are based on data from three life insurance companies.

Information regarding employees and other workers

Category Social insurance Welfare system Paid leave Salary
Employment type/contract
Full-time, indefinite-term Administrative personnel ○ ○ ○ Fixed
In-house sales representatives ○ △ ○ Fixed + Proportionate
Contract employees ○ △ ○ Fixed
Full-time, fixed-term Fixed-term contract ○ △ ○ Fixed
Part-time, fixed-term Part-time ○ △ ○ Fixed

Labor Unionization

Labor Unionization of the Administrative Personnel of the Three Life Insurance Companies
FY2023 FY2024 FY2025
Labor unionization rate 81.9% 82.0% 81.2%

Acquisition of Health Management Qualifications

Number of Administrative Personnel of the Three Life Insurance Companies Who Acquired Qualifications
FY2023 FY2024 FY2025
1,075 1,073 1,107

* Number of eligible employees at the end of the fiscal year

Status of Stress Check Examinations

Stress Check Examination status at Three Life Insurance Companies

Status of Stress Check Examinations
FY2023 FY2024 FY2025
Stress check participation rate 99.0% 99.1% 99.4%
High stress ratio 14.9% 13.2% 13.3%

Occurrence of Occupational Accidents

Number of Occupational Accidents among Administrative Personnel of the Three Life Insurance Companies
FY2023 FY2024 FY2025
40 44 47
Number of Deaths from Occupational Accidents of Employees at the Three Life Insurance Companies
FY2023 FY2024 FY2025
0 0 0

Absence

Absence of the Administrative Personnel of the Three Life Insurance Companies
FY2023 FY2024 FY2025 ★
Absentee rate 0.79% 0.88% 0.92%

★ Indicates limited verification has been carried out by a third party.

*The absence rate is the total number of days of absence as a percentage of the total number of workdays in each fiscal year. The total number of days of absence includes absences for all kinds of reasons such as sickness absences and personal absences; however, the absence categories have different names depending on the subsidiary.

Education and Training

FY2024 FY2025
Average amount spent per full time employee on training and
development		 ¥32,654 ¥37,433
Average hours per full time employee of training and
development		 126.4 hours 152.3 hours

* Figures are the total of T&D Holdings, Taiyo Life, Daido Life, T&D Financial Life, T&D Asset Management, Pet & Family Insurance, and T&D Information System.

Human Capital ROI
FY2023 FY2024 FY2025
2.35 2.55 2.87

*Human Capital ROI: (Recurring Revenue – Recurring Expenses excluding Personnel Costs) ÷ Personnel Costs

Initiatives to Address Corporate Governance

Number of Directors

Chairman of the Board of Directors Chairman (non-representative non-executive Director)
Term of office of Directors (excluding Directors who are Audit and Supervisory Committee Members)

The term of office of Directors (excluding Directors who are Audit and Supervisory Committee Members) shall expire upon conclusion of the Ordinary General Meeting of Shareholders held regarding the last business year ending within one year after their election.
Term of office of Directors who are Audit and Supervisory Committee Members

The term of office of Directors who are Audit and Supervisory Committee Members shall expire upon conclusion of the Ordinary General Meeting of Shareholders held regarding the last business year ending within two years after their election.
Directors Total 12
Men 10
Women 2
Outside directors 6 (including two women)
Activities of outside directors
(FY2025)		 Outside directors are appointed from individuals with corporate management experience outside our group, legal and accounting experts, and those possessing the expertise and experience necessary to realize our group’s growth strategy. Outside directors actively express their views based on their professional viewpoints and extensive knowledge and experience at the Board of Directors meetings.
Additionally, as the chair or members of the Nomination and Compensation Committee, which is an advisory body to the Board of Directors, they deliberate on matters related to the election and dismissal of directors and executive officers (including succession planning) and executive compensation of the Company and the three life insurance companies, and report their opinions to the Board of Directors.
Activities also include regular exchanges of views with the representative director, the independent auditor, the heads of the divisions under their supervision, and the representative directors of major subsidiaries.

* As of September 1, 2026

Number of Audit and Supervisory Committee Members

Audit and Supervisory Committee members Total 5
Men 4
Women 1
Outside Audit and Supervisory Committee members 3 (including one woman)
Activities of outside Audit and Supervisory Committee members
(FY2025)		 Audit and Supervisory Committee members, who serve as outside directors, draw on their extensive knowledge and experience and actively express their views at both Board of Directors meetings and Audit and Supervisory Committee meetings. They also strive to understand the status of the Company's business execution through activities such as exchanging opinions with the representative director, the independent auditor, the heads of relevant divisions, those serving as representative directors and presidents of major subsidiaries, audit and supervisory board members of life insurance subsidiaries of the Group, and outside directors who are not Audit and Supervisory Committee members.

Number of Employees

Number of Employees (consolidated basis)
Business sector March 31, 2024 March 31, 2025 March 31, 2026
Insurance and insurance-related businesses 19,165 (847) 20,235 (841) 20,594 (840)
Investment-related businesses 494 (19) 452 (19) 455 (23)
General affairs and administration-related business 749 (36) 209 (15) 219 (19)
Total 20,408 (902) 20,896 (875) 21,268 (882)
Men 3,814 (9) 3,861 (4) 3,904 (9)
Women 16,594 (893) 17,035 (871) 17,364 (873)
In Japan 20,388 (902) 20,870 (875) 21,244 (882)
In the Asia-Pacific region 7 (0) 10 (0) 7 (0)
In Europe/North America 13 (0) 16 (0) 14 (0)

* The number of employees shows the number of employed staff excluding executive officers. The number of part-time workers is shown in parentheses as an annual average, which is not included in the number of employees.

* The figures for part-time workers differ from the "Financial Report" due to the rounding-off process.

Number of Employees and Number of People Hired at the Three Life Insurance Companies
Number of employees Number of people hired
March 31, 2024 March 31, 2025 March 31, 2026 FY2023 FY2024 FY2025
Number of employees Total 18,802 19,701 20,064 3,518 3,714 3,736
Men 3,362 3,624 3,677 170 194 201
Women 15,440 16,077 16,387 3,348 3,520 3,535
Sales representatives Total 12,947 13,297 13,549 3,197 3,351 3,367
Men 265 258 246 32 33 22
Women 12,682 13,039 13,303 3,165 3,318 3,345
Administrative Total 5,855 6,404 6,515 321 363 369
Men
(Managers)		 3,097
(2,174)		 3,366
(2,361)		 3,431
(2,340)		 138 161 179
Women
(Managers)		 2,758
(583)		 3,038
(771)		 3,084
(822)		 183 202 190

* Managers include head office deputy division managers, assistant officers, and other officers.

Officer composition by age group (as of July 31, 2026)

  Under 30 30-49 50 or over Total
Men 0 2 76 78
  Outside officers 0 1 8 9
Women 0 1 9 10
  Outside officers 0 1 6 7

Whistleblower System

Number of Calls Received by the T&D Insurance Group Helpline
FY2023 FY2024 FY2025
361 297 389

Occurrence of Harassment

Number of Occurrence of Harassment (FY2025)
Item No.
Number of cases received 56
Number of cases certified harassment 11

* T&D Holdings and its directly owned subsidiaries

* Total of the T&D Insurance Group Helpline and the harassment consultation desk etc.

Customer Privacy Protection

Number of complaints received about personal information (FY2025)
Complaints related to handling of personal information: 147
Conflicts of Interest Violations (FY2025)
0 cases
Insider Trading Violations (FY2025)
0 cases

Holding of Various Conferences

Holding of Various Conferences (FY2025)
Number of times committee met Attendance Attendance rate/Main members and attendees
Board of Directors 16 times 99.1% Directors
Audit and Supervisory Committee 17 times 100% Directors (Audit and Supervisory Committee members)
Executive Management Board 50 times 98.2% President, and executive officers in charge of specified areas of operations, etc.
Group Strategy Board 13 times 100% President, executive officers in charge of the Group Planning Department and Financial Strategy Department, and the presidents of Taiyo Life and Daido Life, etc.

Tax Payment Amount

FY2025: Tax Payment Amount by Country
Country / region Number of employees Ordinary revenues (¥ million) Profit before tax (¥ million) Corporation tax and resident tax, etc. (¥ million) Amount of corporation tax, etc. paid (¥ million)
Japan 21,254 3,686,020 362,952 60,192 65,079
United States* 9 561 -310 6 7
Germany 0 11 0 0 －
Consolidated adjustment, etc. － 204,379 171,482 － －
Total/ amount recorded in consolidated financial statement 21,268 3,482,214 191,160 60,199 65,087

*The companies in the United States are T&D United Capital North America Inc. and T&D Investment Management North America Inc. (two companies).

*The company in Germany is T&D United Capital Europe GmbH (one company).

The tax payment amount is audited by the Audit and Supervisory Committee and the independent auditor and then approved by the Board of Directors.

Political Contributions

FY2023 FY2024 FY2025
¥0 ¥0 ¥0

* Status of T&D Holdings

Initiatives to Address the Environment

* As of April 2026, the notation has changed from "CO2 emissions (t)" to "GHG emissions (t-CO2e)." The conversion method remains the same as before, so there are no changes to the published figures.

Environmental Performance Data

GHG Emissions
FY2023 FY2024 FY2025
SCOPE1 1,651 t-CO2e 1,653 t-CO2e 1,628 t-CO2e ★
SCOPE2 35,708 t-CO2e 28,612 t-CO2e 21,566 t-CO2e ★
SCOPE3 1,634,198 t-CO2e 1,628,879 t-CO2e 1,431,979 t-CO2e ★
Category 1 159 t-CO2e 163 t-CO2e 147 t-CO2e ★
Category 2 29,483 t-CO2e 45,692 t-CO2e 23,463 t-CO2e ★
Category 3 7,994 t-CO2e 7,676 t-CO2e 7,579 t-CO2e ★
Category 5 34 t-CO2e 27 t-CO2e 29 t-CO2e ★
Category 6 2,653 t-CO2e 2,716 t-CO2e 2,765 t-CO2e ★
Category 7 7,187 t-CO2e 7,347 t-CO2e 7,447 t-CO2e ★
Category 15 1,586,688 t-CO2e 1,565,258 t-CO2e 1,390,549 t-CO2e ★
Total 1,671,557 t-CO2e 1,659,144 t-CO2e 1,455,173 t-CO2e ★

★ Indicates limited verification has been carried out by a third party.

* Data coverage: fraction of Group employees included in the target employee set (100%)

* Scope 3, Category 15 emissions include stocks, bonds, and loans held by Taiyo Life and Daido Life that were issued by listed companies in Japan.

Electricity Consumption
FY2023 FY2024 FY2025
Electricity consumption 91,003 MWh 87,269 MWh 86,344 MWh ★
Renewable energy purchased 19,404 MWh 32,515 MWh 44,553 MWh ★
Total floor space (including portion for tenant use) 940,694 m2 897,603 m2 855,400 m2 ★

★ Indicates limited verification has been carried out by a third party.

* Data coverage: fraction of Group employees included in the target employee set (100%)

Water Consumption
FY2023 FY2024 FY2025 ★
Water consumption (Utility + reclaimed water) 48,400 m3 50,200 m3 49,700 m3
Reclaimed water usage rate 2.4% 2.3% 2.1%

★ Indicates limited verification has been carried out by a third party.

* Data coverage: fraction of Group employees included in the target employee set (44.55%)

* Water usage from our Group’s business operations is limited to water withdrawal and effluent discharge (wastewater, etc.) at offices within Japan. Of the withdrawn water, tap water is withdrawn by using public utilities (with the amount of withdrawn water rigorously measures), while reclaimed water is withdrawn by using recycled water and rainwater. Effluent is discharged into publicly managed drainage channels in accordance with effluent standards.

* Since the Group’s water usage is limited to water withdrawal and effluent discharge at offices within Japan, no water is withdrawn from water stressed areas.

Waste Generated & Recycling Rate
Paper waste FY2023 FY2024 FY2025★
Total amount 255 t 209 t 218 t
Recycling rate 73.5% 66.7% 68.1%
Non-paper waste FY2023 FY2024 FY2025 ★
Total amount 39 t 35 t 39 t
Recycling rate 35.8% 40.4% 45.7%

★ Indicates limited verification has been carried out by a third party.

* The Group is aiming to reduce its environmental burden by making efforts to reduce waste and by recycling office paper, beverage cans, and plastic bottles. We will continue working toward this endeavor by thoroughly ensuring that recycling is carried out.

* The Group’s waste does not contain any hazardous waste (the special management industrial waste designated by the Bureau of Environment, Tokyo Metropolitan Government).

* Data coverage: fraction of Group employees included in the target employee set (44.55%)

Group-wide Targets and Results

GHG Emissions
Baseline (FY2013) FY2023 FY2024 FY2025
GHG emissions (Scope 1+2) 59,908 t-CO2e 37,101 t-CO2e 30,202 t-CO2e 21,404 t-CO2e ★
Total floor space 888,529 m2 937,610 m2 894,599 m2 852,694 m2
Per unit of floorspace 0.0674 t-CO2e/m2 0.0396 t-CO2e/m2 0.0338 t-CO2e/m2 0.0251 t-CO2e/m2
Compared to baseline — 58.8%
(−41.2%)		 50.1%
(−49.9%)		 37.2%
(−62.8%)

★ Indicates limited verification has been carried out by a third party.

* Data coverage: fraction of Group employees included in the target employee set (100%)

Electricity Consumption
Baseline (FY2016) FY2023 FY2024 FY2025
Electricity consumption 97,223 MWh 90,397 MWh 86,703 MWh 81,942 MWh ★
Total floor space 875,682 m2 937,610 m2 894,599 m2 852,694 m2
Per unit of floor space 111.0 kWh/m2 96.4 kWh/m2 96.9 kWh/m2 96.1 kWh/m2
Compared to baseline — 86.9%
(−13.1%)		 87.3%
(−12.7%)		 86.6%
(−13.4%)

★ Indicates limited verification has been carried out by a third party.

* As nearly all of the Group’s GHG emissions (Scope 1 + 2) are derived from the usage of purchased electricity, we have set targets for reducing electricity use and controlling energy consumption, with the aim of reducing our GHG emissions.

* The reduction target is based on the premise that the GHG reduction target of the Federation of Electric Power Companies of Japan is achieved. It is equivalent to the reduction target (services/commercial buildings sectors) based on the scientific ground, combined with the relevant portion.

* Starting in FY2019, the measurements include Pet & Family Insurance.

* Data coverage: fraction of Group employees included in the target employee set (100%)

Financed Emissions (GHG Emissions of Investees and Borrowers)
Baseline
(FY2020)		 FY2023 FY2024 FY2025
GHG Emissions
(Scope 3 Category 15)		 2,992,322 t-CO2e 1,586,688 t-CO2e 1,565,258 t-CO2e 1,390,549 t-CO2e
Per unit 1.14 t-CO2e/¥ million 0.58 t-CO2e/¥ million 0.59 t-CO2e/¥ million 0.51 t-CO2e/¥ million
Compared to baseline (FY2020) — 50.8%
(−49.2%)		 51.8%
(−48.2%)		 44.7%
(−55.3%)

★ Indicates limited verification has been carried out by a third party.

• Data coverage: fraction of Group employees included in the target employee set (100%)

Office Paper Consumption
Reference: Change over the last five years under old standard
FY2019 FY2020 FY2021 FY2022 FY2023
129.43 t 100.70 t 96.70 t 99.83 t 86.62 t
 
Current standard status
FY2024 FY2025 ★ Progress made (FY2024-FY2025 average)
89.09 t 80.44 t 84.77 t (17.4% reduction from baseline)

★ Indicates limited verification has been carried out by a third party.

* Starting from FY2019, the figures include Pet & Family Insurance Co., Ltd.

* Total amount of office paper purchased

* Data coverage: fraction of Group employees included in the target employee set (96.96%)

Green Purchasing Ratio
FY2023 FY2024 FY2025
94.0% 89.2% 85.8%

* Applies to purchases through online purchasing systems

* Data coverage: fraction of Group employees included in the target employee set (95.71%)

Scope and Calculation Methods of Environmental Performance Data and Group-wide Targets and Results

Scope of Environmental Performance Data and Group-wide Targets and Results
Disclosure item Scope
Environmental performance data GHG emissions Scope 1 (Direct emissions) T&D Group (since FY2018); major Group companies (FY2017 and earlier)
Scope 2 (Indirect emissions) T&D Group (since FY2018); major Group companies (FY2017 and earlier)
Scope 3 (Others)
Category 1 (Purchased goods and services) Major Group business sites and Pet & Family Insurance, excluding sales offices and branches of Taiyo Life and Daido Life
Category 2 (capital goods) T&D Group
Category 3 (fuel-and energy-related activities) T&D Group
Category 5 (Waste generated in operations) Major Group buildings
Category 6 (Business travel) T&D Group
Category 7 (Employee commuting) T&D Group
Category 15 (Investment) Investees and borrowers of Taiyo Life and Daido Life
Electricity consumption (Total floor space), renewable energy purchased T&D Group (since FY2018); major Group companies (FY2017 and earlier)
Water consumption Major Group buildings
Waste generated & recycling rate Major Group buildings
Group-wide targets and results GHG emissions,
Electricity consumption 		T&D Holdings, and business companies
Financed emissions (GHG emissions of investees and borrowers) Investees and borrowers of Taiyo Life and Daido Life
Office paper use Major Group business sites and Pet & Family Insurance, excluding sales offices and branches of Taiyo Life and Daido Life
Green purchasing ratio Major Group buildings
Calculation scope Major group companies, business sites, and buildings included in the calculation scope
T&D Group
  • - T&D Holdings, Taiyo Life, Daido Life, T&D Financial Life, T&D United Capital, T&D Asset Management, Pet & Family Insurance , T&D Information System
  • - Buildings owned by Taiyo Life and Daido Life (including tenant leases)
  • - All Right, All Right Small Amount & Short Term Insurance, T&D Confirm, Toyo Insurance Agency, Daido Management Service, T&D Lease, Taiyo Credit Guarantee, T&D Customer Services*, Nihon System Shuno, Zenkoku Business Center, Toyo Insurance Agency
Major Group companies
  • - T&D Holdings, Taiyo Life, Daido Life, T&D Financial Life, T&D Asset Management, T&D Information System
  • - Buildings owned by Taiyo Life and Daido Life (including tenant leases)
Business companies
  • - Taiyo Life, Daido Life, T&D Financial Life, T&D United Capital, T&D Asset Management, Pet & Family Insurance
Major Group business sites
  • - Each business site of T&D Holdings, Taiyo Life, Daido Life, T&D Financial Life, T&D United Capital and T&D Asset Management (excluding tenant leases of buildings owned by Taiyo Life and Daido Life)
Major Group buildings
  • - Tokyo Nihombashi Tower, Daido Life Osaka Head Office Building, Taiyo Life Nihonbashi Building, Taiyo Life Urawa Building, Hamamatsucho Building, Mita Bellju Building, BLUE FRONT SHIBAURA TOWERS (From September 2025 onwards)

* T&D Customer Services was liquidated in September 2023.

Calculation Methods of Environmental Performance Data and Group-wide Targets and Results
Disclosure item Calculation method
Environmental performance data
GHG emissions Scope 1 (Direct emissions) The figures were calculated by multiplying the measured energy input by the predetermined coefficient in accordance with the Greenhouse Gas Emission Volume Calculation, Reporting, and Disclosing System. (The measured energy input comprises the measured gas, heavy oil, and kerosene.)
Scope 2 (Indirect emissions) As above. (The measured energy input comprises the measured electric power, steam, and hot and cold water.)
Scope 3
(Others)		 Group-wide Calculations are based on the Basic Guidelines for Calculating Greenhouse Gas Emissions through the Supply Chain (Ministry of the Environment and Ministry of Economy, Trade and Industry).
For Category 15 (Investment), the calculation is based on the PCAF standard calculation method.
Category 1 (Purchased goods and services) Calculated by multiplying the office paper use by the predetermined coefficient.
Category 2 (capital goods) Calculated by multiplying the expenditure for purchased capital goods, excluding land, by the predetermined coefficient.
Category 3 (fuel-and energy-related activities) The figures were calculated by multiplying the measured input of electric power, steam, and hot and cold water by the predetermined coefficient.
Category 5 (Waste generated in operations) Calculated by multiplying the waste generated by the predetermined coefficient.
Category 6 (Business travel) Calculated by multiplying the number of Group personnel at the end of the fiscal year by the predetermined coefficient.
Category 7 (Employee commuting) Calculated by multiplying the number of Group personnel by employment type and urban development level at the end of the fiscal year, by the predetermined coefficient.
Category 15 (Investment) The sum of Scope 1 and Scope 2 in the portfolio (stocks, corporate bonds, and loans issued by domestic listed companies) is calculated, and the sum is multiplied by the attribution coefficient. The attribution coefficient is calculated with “own investment and financing” as the numerator and “market capitalization + interest-bearing liabilities + noncontrolling interest” as the denominator.
Total The total emissions from the sum of Scope 1 (Direct emissions), Scope 2 (Indirect emissions), and Scope 3 (Others).
Electricity consumption The annual amount of office-use electricity purchased from each energy-supplying company is calculated in accordance with the law concerning the rational use of energy and the conversion to non-fossil energy sources.
Renewable energy purchased The total amount of purchased electricity derived from renewable energy sources provided by electricity utilities in accordance with the Law on Special Measures Concerning Promotion of Use of Electricity from Renewable Energy Sources.
Water consumption The reportable item according to the environmental reporting guidelines of the Ministry of the Environment comprises the amount used on the invoices, etc. received from the water supply authorities.
Waste generated & recycling rate Group-wide Measured based on the Waste Disposal & Public Cleansing Law and other laws concerned with waste disposal and cleaning.
Waste generated Calculated according to the invoices received from waste disposal companies.
Recycling rate The recycled amount is calculated according to the invoices received from waste disposal companies, and the recycling rate is calculated by dividing the recycled amount by the waste generated.
Group-wide targets and results
GHG emissions The figures were calculated by multiplying the measured energy input by the predetermined coefficient in accordance with the Greenhouse Gas Emission Volume Calculation, Reporting, and Disclosing System.
(The measured energy input comprises the measured gas, heavy oil, kerosene, electric power, steam, and hot and cold water.)
Electricity consumption Calculated from annual electricity purchased by the office in accordance with the relevant energy saving law.
Financed emissions
(GHG emissions of investees and borrowers)		 The sum of Scope 1 and Scope 2 in the portfolio (stocks, corporate bonds, and loans issued by domestic listed companies) is calculated, and the sum is multiplied by the attribution coefficient. The attribution coefficient is calculated with “own investment and financing” as the numerator and “market capitalization + interest-bearing liabilities + noncontrolling interest” as the denominator.
Office paper use A reportable item according to the environmental reporting guidelines of the Ministry of the Environment, and is calculated from the purchasing system data.

Independent Assurance Report

The T&D Insurance Group obtained third-party assurance from Ernst & Young ShinNihon LLC for fiscal 2025 data presented in section “Employment of Persons with Disabilities” “Ratio of Female Managers” “Gender Wage Gap” “Absentee Rate” “Environmental Performance Data” and section “Group-wide Targets and Results” in accordance with the International Standard on Assurance Engagements (ISAE) 3000 (Revised) and 3410 (International Auditing and Assurance Standards Board).

Independent practitioner’s assurance report

Other Initiatives

Corporate Philanthropic Contributions

FY2023 FY2024 FY2025
Donations ¥46.52 million ¥130.21 million ¥28.50 million
Community investments ¥228.50 million ¥252.21 million ¥266.74 million
Employee volunteering ¥189.02 million ¥242.17 million ¥61.56 million
Management overheads ¥8.31 million ¥54.87 million ¥48.48 million
Total ¥472.35 million ¥679.46 million ¥405.28 million

Activities to Respond to the Customer Feedback

Customer Complaints* by Type (Taiyo Life)
Type of feedback FY2022 FY2023 FY2024 FY2025
No. received % No. received % No. received % No. received %
New contracts 1,919 20.8% 1,854 26.5% 1,966 26.5% 2,356 29.1%
Payment of premiums, etc. 375 4.0% 431 6.1% 452 6.1% 529 6.5%
Conservation work 1,067 11.6% 1,280 18.3% 1,292 17.4% 1,335 16.5%
Insurance claims
and benefits		 3,947 42.8% 1,646 23.5% 1,756 23.6% 1,726 21.3%
Others 1,918 20.8% 1,791 25.6% 1,962 26.4% 2,155 26.6%
Total 9,226 100.0% 7,002 100.0% 7,428 100.0% 8,101 100.0%

* "Complaints" refers to an expression of dissatisfaction by customers.

Reference: Examples of improvements made by utilizing customer feedback on Taiyo Life’s website (Japanese)

Customer Complaints* by Type (Daido Life)
Type of feedback FY2022 FY2023 FY2024 FY2025
No. received % No. received % No. received % No. received %
New contracts 774 12.3% 638 12.9% 578 12.7% 526 11.9%
Payment of premiums, etc. 355 5.6% 315 6.3% 241 5.3% 233 5.3%
Conservation work 1,815 28.9% 1,550 31.3% 1,228 27.1% 1,235 27.9%
Insurance claims
and benefits		 1,556 24.8% 936 18.9% 782 17.3% 843 19.1%
Other 1,785 28.4% 1,517 30.6% 1,707 37.6% 1,585 35.8%
Total 6,285 100.0% 4,956 100.0% 4,536 100.0% 4,422 100.0%

*“Complaints” refers to customers’ complaints and dissatisfaction about the company’s operations that customers communicate to the company.

*As percentages are rounded to the second decimal place, totals will not necessarily add to 100.

Reference:Efforts to incorporate customer feedback into management practices on Daido Life’s website (Japanese)

Customer Complaints* by Type (T&D Financial Life)
Type of feedback FY2022 FY2023 FY2024 FY2025
No. received % No. received % No. received % No. received %
New contracts 315 36.5% 207 33.0% 248 25.8% 1,013 16.8%
Payment of premiums, etc. 45 5.2% 52 8.3% 25 2.6% 114 1.9%
Conservation work 328 38.0% 201 32.0% 448 46.6% 3,028 50.2%
Insurance claims and benefits 105 12.2% 85 13.6% 94 9.8% 433 7.2%
Others 70 8.1% 82 13.1% 146 15.2% 1,443 23.9%
Total 863 100.0% 627 100.0% 961 100.0% 6,031 100.0%

* "Complaints" refers to customers’ complaints and dissatisfaction about products and services, and expressions of dissatisfaction.

* “Complaints” refers to customers’ complaints and dissatisfaction about products and services, and expressions of dissatisfaction.

* In FY2025, the number of customer complaints increased. This was mainly due to a revision of our handling procedures, under which, from the perspective of further promoting customer-oriented business operations and in order to better understand the details and background of customer inquiries and use them to improve services, certain inquiries that had previously been classified as requests are now also aggregated as complaints.**

** Examples include inquiries regarding the date of receipt of periodic payments, the timing of document delivery, and Internet services.

Reference: Major initiatives implemented in FY2025 in response to customer feedback on T&D Financial Life’s website (Japanese)