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We take this opportunity to thank our stakeholders for the consistent support they have shown Mitsui Sumitomo Insurance.

We aim to be the non-life insurance company of choice for all, by earning the trust of our customers through ongoing quality improvement.

Owing to the effects of so-called "Abenomics", the economy of Japan has started to show positive signs toward escaping deflation. At the same time, we cannot be overly optimistic, as the non-life insurance market still faces challenges, including market contraction due to Japan's aging society with a falling birth rate and frequent natural disasters. Non-life insurance companies are under greater pressure than ever to provide more sophisticated products and services in response to societal changes and economic conditions.

To meet these challenges, Mitsui Sumitomo Insurance continues to pursue a business model of functional reorganization. Under this strategy, we believe we can most accurately answer the needs of our customers, the diversity of sales approaches required, and changes in deregulation both in Japan and around the world, offering even greater support and satisfaction. This functional reorganization reflects our goal to bring our entire organizational capacity to bear, offering superior products and services, expanding insurance and financial services both in Japan and across the globe, and serving as a leader to drive growth and efficiency in the MS&AD Group.

As a member of the MS&AD Insurance Group, Mitsui Sumitomo Insurance will push forward in creating a world No. 1 insurance and financial group. At the same time, we intend to do everything possible to contribute to society as an insurance company supporting family happiness and economic growth.

We hope that we can continue to count on your support as we pursue our initiatives.

Mitsui Sumitomo Insurance Company, Limited
Yasuyoshi Karasawa, President, Chief Executive Officer

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