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MS&AD Insurance Group Holdings, Inc.

PRI reporting framework 2020

You are in Strategy and Governance » Investment policy

Investment policy

SG 01. RI policy and coverage

New selection options have been added to this indicator. Please review your prefilled responses carefully.

01.1. Indicate if you have an investment policy that covers your responsible investment approach.

01.2. Indicate the components/types and coverage of your policy.

Select all that apply

Policy components/types

Coverage by AUM

01.3. Indicate if the investment policy covers any of the following

01.4. Describe your organisation’s investment principles and overall investment strategy, interpretation of fiduciary (or equivalent) duties,and how they consider ESG factors and real economy impact.

We express our basic approach to consider sustainability factors in our business activities, including investments, in “Strategic Approach for Sustainability” and “Mid-term Management Plan Vision 2021”.  We evaluate ESG factors qualitatively.  Mitsui Sumitomo Insurance and Aioi Nissay Dowa Insurance, which are core insurance companies in our group, accept The Principles for Responsible Institutional Investors (Japan's Stewardship Code). The companies make constructive dialogues with investees along with the code to increase their corporate value and promote sustainable growth in the long term.

01.5. Provide a brief description of the key elements, any variations or exceptions to your investment policy that covers your responsible investment approach. [Optional]

We are planning to disclose our sustainable finance policy, exclusion guidelines, sometime during the fiscal year 2020.




01.6. Additional information [Optional].


SG 01 CC. Climate risk (Private)

SG 02. Publicly available RI policy or guidance documents


02.1. Indicate which of your investment policy documents (if any) are publicly available. Provide a URL and an attachment of the document.


02.2. Indicate if any of your investment policy components are publicly available. Provide URL and an attachment of the document.

02.3. Additional information [Optional].

SG 03. Conflicts of interest

03.1. Indicate if your organisation has a policy on managing potential conflicts of interest in the investment process.

03.2. Describe your policy on managing potential conflicts of interest in the investment process.

We determine and disclose our basic policy to manage conflicts of interest.  It determines we shall manage transactions conducted by financial institutions of the MS&AD Insurance Group that may pose a conflicts of interest and conduct business properly based on the following policies to avoid any unfair disadvantage to customers.
1. Subject Transactions and Their Types
2. Methods for Managing Subject Transactions
3. System for Managing Conflicts of Interest
4. Scope of Companies Subject to Management of Conflicts of Interest

03.3. Additional information. [Optional]

SG 04. Identifying incidents occurring within portfolios (Private)