Sustainability Library｜Sustainability

Sustainability Topics

Sustainability Data

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

FY2024	Insurance claim	Benefit (hospitalization, surgery, etc.)	Annuity	Total
Consolidated (¥ billion)	305.1	176.9	340.7	822.8

* 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
	FY2022	FY2023	FY2024 ★
Employment rate of people with disabilities	2.48%	2.58%	2.57%

★ 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 Taiyo Life, Daido Life and T&D Financial Life.

* 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
	FY2022	FY2023	FY2024 ★
Ratio of female managers	21.2%	23.0%	24.6%

★ 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 Taiyo Life, Daido Life and T&D Financial Life.

*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)	FY2022	FY2023	FY2024 ★
All employees	42.0%	42.0%	43.5%
Full-time employees	42.3%	42.3%	43.8%
Part-time and fixed time workers	33.9%	34.9%	35.9%

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

*The eligible organizations for calculation of the gender wage gap are Taiyo Life, Daido Life and T&D Financial Life.

*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
		FY2022	FY2023	FY2024
Number of employees taking maternity leave	Total	458	475	456
Number of employees eligible to take childcare leave	Total	538	552	527
	Men	80	77	71
	Women	458	475	456
Number of employees taking childcare leave	Total	485	512	496
	Men	80	77	71
	Women	405	435	425
Number of employees taking nursing care leave	Total	1	3	2
	Men	0	1	1
	Women	1	2	1

* 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 2022 162 (100%) [Men 78 (100%), Women 84 (100%)]
Fiscal 2023 141 (92.8%)［Men 76 (100%), Women 65 (85.5%)］
Fiscal 2024 128 (80.0%) [Men 67 (100%), Women 61 (65.6%)]

Taking Paid Leave

Average Number of Paid Leave Days Taken by Administrative Personnel of Three Life Insurance Companies
	FY2022	FY2023	FY2024
Average number of paid leave days taken	16.7	18.7	18.2

Workforce Composition

Employee Composition by Age Group
Number of employees		March 31, 2023	March 31, 2024	March 31, 2025
Total (men and women)	Total	18,374	18,802	19,701
	Under 30	3,137	3,237	3,520
	30-50	7,999	8,159	8,704
	Over 50	7,238	7,406	7,477
Men	Total	3,350	3,362	3,624
	Under 30	452	466	587
	30-50	1,660	1,623	1,706
	Over 50	1,238	1,273	1,331
Women	Total	15,024	15,440	16,077
	Under 30	2,685	2,771	2,933
	30-50	6,339	6,536	6,998
	Over 50	6,000	6,133	6,146

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

Number of People Hired /Number Leaving Employment

Number Hired
		FY2022		FY2023		FY2024
		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	291	5.03%	321	5.48%	363	5.67%
	Under 30	241	4.17%	225	3.84%	273	4.26%
	30-50	47	0.81%	80	1.37%	71	1.11%
	Over 50	3	0.05%	16	0.27%	19	0.30%
Men	Total	133	2.30%	138	2.36%	161	2.52%
	Under 30	114	1.97%	114	1.95%	128	2.00%
	30-50	19	0.33%	16	0.27%	24	0.38%
	Over 50	0	-	8	0.14%	9	0.14%
Women	Total	158	2.73%	183	3.13%	202	3.16%
	Under 30	127	2.20%	111	1.90%	145	2.27%
	30-50	28	0.49%	64	1.09%	47	0.73%
	Over 50	3	0.05%	8	0.14%	10	0.16%

* 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
		FY2022		FY2023		FY2024
		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	261	4.52%	260	4.44%	263	4.11%
	Under 30	78	7.34%	95	8.95%	86	6.95%
	30-50	101	3.57%	84	2.98%	79	2.58%
	Over 50	82	4.35%	81	4.10%	98	4.67%
Men	Total	120	3.90%	119	3.84%	119	3.54%
	Under 30	27	6.19%	42	9.33%	34	6.01%
	30-50	56	3.56%	40	2.61%	45	2.78%
	Over 50	37	3.47%	37	3.33%	40	3.40%
Women	Total	141	5.21%	141	5.11%	144	4.74%
	Under 30	51	8.13%	53	8.68%	52	7.75%
	30-50	45	3.58%	44	3.44%	34	2.35%
	Over 50	45	5.50%	44	5.08%	58	6.31%

* 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
	FY2022	FY2023	FY2024
Voluntary turnover rate	3.81%	3.67%	3.45%

Workforce Diversity Data
	FY2022	FY2023	FY2024
Average years employed by the company for female employees	17.6	17.4	17.7
Average years employed by the company for male employees	19.6	19.7	20.0

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

Labor Unionization

Labor Unionization of the Administrative Personnel of the Three Life Insurance Companies
	FY2022	FY2023	FY2024
Labor unionization rate	81.9%	81.9%	82.0%

Acquisition of Health Management Qualifications

Number of Administrative Personnel of the Three Life Insurance Companies Who Acquired Qualifications
FY2022	FY2023	FY2024
1,075	1,075	1,073

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

Occurrence of Occupational Accidents

Number of Occupational Accidents among Administrative Personnel of the Three Life Insurance Companies
FY2022	FY2023	FY2024
31	40	44

Number of Deaths from Occupational Accidents of Employees at the Three Life Insurance Companies
FY2022	FY2023	FY2024
0	0	0

Absence

Absence of the Administrative Personnel of the Three Life Insurance Companies
	FY2022	FY2023	FY2024 ★
Absentee rate	0.61%	0.79%	0.88%

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

* Total days lost due to absenteeism / Total days scheduled to be worked

Education and Training

	FY2023	FY2024
Average amount spent per full time employee on training and development	¥31,059	¥32,654
Average hours per full time employee of training and development	120.2 hours	126.4 hours

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

Initiatives to Address Corporate Governance

Number of Directors

Chairman of the Board of Directors		President
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	14
	Men	12
	Women	2
Outside directors		6 (including one woman)
Activities of outside directors (FY2024)		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 its direct subsidiaries, 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.

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 (FY2024)		Audit and Supervisory Committee members, who serve as outside directors, have a wealth of experience and insight as corporate managers, accounting specialists, and legal experts. They 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 the divisions under their supervision, those serving as Representative Director and President of major subsidiaries and audit and supervisory board members of life insurance companies of the Group.

Number of Employees

Number of Employees (consolidated basis)
Business sector		March 31, 2023	March 31, 2024	March 31, 2025
Insurance and insurance-related businesses		18,794 (909)	19,165 (847)	20,235 (841)
Investment-related businesses		483 (20)	494 (19)	452 (19)
General affairs and administration-related business		739 (58)	749 (36)	209 (15)
Total		20,016 (987)	20,408 (902)	20,896 (875)
	Men	3,799 (10)	3,814 (7)	3,861 (3)
	Women	16,217 (977)	16,594 (938)	17,035 (852)
In Japan		19,982 (987)	20,388 (945)	20,870 (855)
In the Asia-Pacific region		22 (0)	7 (0)	10 (0)
In Europe/North America		12 (0)	13 (0)	16 (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
		March 31, 2023	March 31, 2024	March 31, 2025	FY2022	FY2023	FY2024
		Number of employees			Number of people hired
Number of employees	Total	18,374	18,802	19,701	3,232	3,518	3,714
	Men	3,350	3,362	3,624	167	170	194
	Women	15,024	15,440	16,077	3,065	3,348	3,520
Sales representatives	Total	12,593	12,947	13,297	2,941	3,197	3,351
	Men	274	265	258	34	32	33
	Women	12,319	12,682	13,039	2,907	3,165	3,318
Administrative	Total	5,781	5,855	6,404	291	321	363
	Men (Managers)	3,076 (2,115)	3,097 (2,174)	3,366 (2,361)	133	138	161
	Women (Managers)	2,705 (603)	2,758 (583)	3,038 (771)	158	183	202

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

Whistleblower System

Number of Calls Received by the T&D Insurance Group Helpline
FY2022	FY2023	FY2024
354	361	297

Occurrence of Harassment

Number of Occurrence of Harassment (FY2024)
Item	No.
Number of cases received	60
Number of cases certified harassment	7

* 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 (FY2024): Complaints related to handling of personal information: 136

Holding of Various Conferences

Holding of Various Conferences (FY2024)
	Number of times committee met	Attendance	Attendance rate/Main members and attendees
Board of Directors	19 times	98.1%	Directors
Audit and Supervisory Committee	17 times	100%	Directors (Audit and Supervisory Committee members)
Executive Management Board	48 times	97.8%	President, and executive officers in charge of specified areas of operations, etc.
Group Strategy Board	14 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

FY2024: 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	20,880	3,977,354	255,899	53,695	13,477
United States^*	16	546	47	9	9
Consolidated adjustment, etc.	－	247,421	87,251	－	－
Total/ amount recorded in consolidated financial statement	20,896	3,730,479	168,695	53,704	13,486

* The company in the United States is T&D United Capital North America Inc. (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

FY2022	FY2023	FY2024
¥0	¥0	¥0

* Status of T&D Holdings

Initiatives to Address the Environment

Environmental Performance Data

CO₂ Emissions
		FY2022	FY2023	FY2024
SCOPE1		1,697 t	1,651 t	1,653 t ★
SCOPE2		39,865 t	35,708 t	28,612 t ★
SCOPE3		2,047,874 t	1,634,198 t	1,628,879 t ★
	Category 1	183 t	159 t	163 t ★
	Category 2	40,412 t	29,483 t	45,692 t ★
	Category 3	8,151 t	7,994 t	7,676 t ★
	Category 5	37 t	34 t	27 t ★
	Category 6	2,602 t	2,653 t	2,716 t ★
	Category 7	7,079 t	7,187 t	7,347 t ★
	Category 15	1,989,410 t	1,586,688 t	1,565,258 t ★
Total		2,089,436 t	1,671,557 t	1,659,144 t ★

★ 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
		FY2022	FY2023	FY2024
Electricity consumption		94,366 MWh	91,003 MWh	87,269 MWh ★
Electricity consumption	Renewable energy purchased	8,937 MWh	19,404 MWh	32,515 MWh ★
Total floor space (including portion for tenant use)		938,835 m²	940,694 m²	897,603 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
	FY2022	FY2023	FY2024 ★
Water consumption (Utility + reclaimed water)	45,200 m³	48,400 m³	50,200 m³
Reclaimed water usage rate	2.7%	2.4%	2.3%

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

* Data coverage: fraction of Group employees included in the target employee set (43.06%)

* For details regarding the calculation method, see the scope and calculation methods in “Environmental Performance Data” and “Group-wide Targets and Results.”

Waste Generated & Recycling Rate
Paper waste	FY2022	FY2023	FY2024★
Total amount	279 t	255 t	209 t
Recycling rate	71.9%	73.5%	66.7%

Non-paper waste	FY2022	FY2023	FY2024 ★
Total amount	35 t	39 t	35 t
Recycling rate	29.1%	35.8%	40.4%

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

* The amount of "Non-paper waste" and the recycling rate for "Non-paper waste" have decreased due to the change in the aggregate classification of cardboard from "Non-paper waste" to "Paper waste" in some buildings in FY2022.

* Data coverage: fraction of Group employees included in the target employee set (43.06%)

Group-wide Targets and Results

CO₂ Emissions
	Baseline (FY2013)	FY2022	FY2023	FY2024
CO₂ emissions (Scope 1+2)	59,908 t	41,199 t	37,101 t	30,202 t ★
Total floor space	888,529 m²	935,752 m²	937,610 m²	894,599 m²
Per unit of floorspace	0.0674 t/m²	0.0440 t/m²	0.0396 t/m²	0.0338 t/m²
Compared to baseline	—	65.3% (−34.7%)	58.8% (−41.2%)	50.1% (−49.9%)

Baseline: CO₂ emissions in FY2013 (value per unit of floorspace) = 0.0674t/m²
Target: Reduction by at least 40% from baseline by FY2025
Scope: Buildings owned or leased and used by Group companies. Owned buildings include tenant usage; only the leased area is applied for leased buildings.

★ 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)	FY2022	FY2023	FY2024
Electricity consumption	97,223 MWh	93,548 MWh	90,397 MWh	86,703 MWh ★
Total floor space	875,682 m²	935,752 m²	937,610 m²	894,599 m²
Per unit of floor space	111.0 kWh/m²	100.0 kWh/m²	96.4 kWh/m²	96.9 kWh/m²
Compared to baseline	—	90.1% (−9.9%)	86.9% (−13.1%)	87.3% (−12.7%)

Baseline: Electricity consumption in FY2016 (value per unit of floor space) =111kWh/m²
Target: Reduction by at least 10% from baseline by FY2027
Scope: Buildings owned or leased and used by Group companies. Owned buildings include tenant usage; only the leased area is applied for leased buildings.

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

* As nearly all of the Group’s CO₂ 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 CO₂ emissions.

* The reduction target is based on the premise that the CO₂ 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 (CO₂ Emissions of Investees and Borrowers)
	Baseline (FY2020)	FY2022	FY2023	FY2024
CO₂ emissions (Scope 3 Category 15)	2,992,322 t	1,989,410 t	1,586,688 t	1,565,258 t
Per unit	1.14 t/¥ million	0.76 t/¥ million	0.58 t/¥ million	0.59 t/¥ million
Compared to baseline (FY2020)	—	66.7% (−33.3%)	50.8% (−49.2%)	51.8% (−48.2%)

Baseline: CO₂ emission in FY2020 (per unit of investment)= 1.14 t/¥ million
Target: Reduction by at least 50% from baseline by FY2030
Scope: Stocks, corporate bonds, and loans issued by domestic listed companies held by Taiyo Life and Daido Life.

★ 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


First fiscal year status under current standard
FY2024 ★	Progress made
89.09 t	(13.3% reduction from baseline)

Baseline: Five-year average from FY2019 to FY2023 (102.7 t)
Target: Cut five-year average from FY2024 to FY2028 by 16% or more compared to the baseline value.

★ 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 (97.69%)

Green Purchasing Ratio
FY2022	FY2023	FY2024
93.1%	94.0%	89.2% (target exceeded by 9.2%)

Target: Keep the green purchasing ratio for office stationery and supplies at a minimum of 80%.

* Applies to purchases through online purchasing systems

* Data coverage: fraction of Group employees included in the target employee set (97.66%)

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	CO₂ 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	CO₂ emissions, Electricity consumption		T&D Holdings, and business companies
	Financed emissions (CO₂ 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, T&D Information System - Buildings owned by Taiyo Life and Daido Life (including tenant leases) - Pet & Family 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
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

* 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
CO₂ 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
CO₂ 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 (CO₂ 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 2024 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

	FY2022	FY2023	FY2024
Donations	¥103.96 million	¥46.52 million	¥130.21 million
Community investments	¥276.61 million	¥228.50 million	¥252.21 million
Employee volunteering	¥14.89 million	¥189.02 million	¥242.17 million
Management overheads	¥8.02 million	¥8.31 million	¥54.87 million
Total	¥403.48 million	¥472.35 million	¥679.46 million

Activities to Respond to the Customer Feedback

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

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

Customer Complaints* by Type (Daido Life)
Type of feedback	FY2022		FY2023		FY2024
Type of feedback	No. received	%	No. received	%	No. received	%
Purchase of life insurance policy	774	12.3%	638	12.9%	578	12.7%
Payment of premiums	355	5.6%	315	6.4%	241	5.3%
Procedures after making a contract, etc.	1,815	28.9%	1,550	31.3%	1,228	27.1%
Payment of insurance claims and benefits	1,556	24.8%	936	18.9%	782	17.3%
Other	1,785	28.4%	1,517	30.6%	1,707	37.6%
Total	6,285	100.0%	4,956	100.0%	4,536	100.0%

* "Complaints" refers to customers’ complaints and dissatisfaction about products and services, and expressions of dissatisfaction. No. received may not total 100 as figures are rounded to two decimal places.

Customer Complaints* by Type (T&D Financial Life)
Type of feedback	FY2022		FY2023		FY2024
Type of feedback	No. received	%	No. received	%	No. received	%
New contracts	315	36.5%	207	33.0%	248	25.8%
Payment of premiums, etc.	45	5.2%	52	8.3%	25	2.6%
Procedures after making a contract	328	38.0%	201	32.0%	448	46.6%
Insurance claims and benefits	105	12.2%	85	13.6%	94	9.8%
Others	70	8.1%	82	13.1%	146	15.2%
Total	863	100.0%	627	100.0%	961	100.0%

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