msad
26/35 Effective Diversification of Risk Portfolio
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00:14:36.4
Page 20 describes risk appetite and the diversification of the risk portfolio. The left side of the slide shows the risk weight and the direction of risk appetite for each business domain. The overall direction of risk appetite is a continued reduction of strategic equity holdings, whose risk weight is a little less than 40%, and active risk taking in underwriting. In the mainstay Domestic Non-Life Insurance Business, we will control risk appropriately, diversifying natural disaster risks and choosing risks. As for general insurance risk, we will expand the top line and retention, while maintaining appropriate premium rates and underwriting. In the Domestic Life Insurance Business, we will actively take risks and will at the same time increase return on risk by aggressively selling products in the third sector, which has been consolidated through the reorganization by function, promoting appropriate underwriting and building a well-balanced portfolio. We will seek to achieve autonomic growth in the Overseas Business, to which we expect to distribute some domestic risks, with more meticulous underwriting for each country and region and enhanced risk management. We will expand the Overseas Business by pursuing growth strategies, including M&A and investments in operations in growth fields. In principle, we will adopt ALM in the management of assets other than strategic equity holdings. We will ensure the safety and liquidity of assets and aim to expand earnings, taking risks in accordance with the size of assets under management that will increase as the top line grows. The ERM Committee will take the lead in considering a future risk portfolio, taking the economic environment and market condition into consideration.
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