COMPANY PROFILE -MS&AD Insurance Group Holdings
Business Sector :Insurance
Operating Geography :Japan, Asia, Global
About MS&AD Insurance Group Holdings :
MS&AD Insurance Group Holdings, also known as Emu esu ando Ei Di Inshuaranshu Gurupu Horodingusu Kabushiki-gaisha is an insurance company based in Tokyo, Japan. In 2010, the Mitsui Sumitomo Insurance and Aioi Nisaay Dowa Insurance were incorporated into one strong insurance holdings company with an aim to provide world class financial services with listings on the Nikkei 225. It was founded in 2008 as a holding company following in the lines of Mitsui Sumimoto Insurance Company Limited, Sumimoto Kirameki Life Insurance Company Limited, Mitsui Sumimoto MetLife Insurance Company Limited, and Mitsui Direct General Insurance Company Limited. As of early 2023, MS&AD has more than 39,000 employees. The services provided by the MS&AD are the handling of any companies with non-life and life insurance dealings and also any companies that are licensed to do so and any other business attached with the previous body. Their stock is listed on the Tokyo and Nagoya Stock Exchange.
The mission of the company MS&AD is “to contribute to the development of a vibrant society and help secure a sound future for the planet, by enabling safety and peace of mind through the global insurance and financial services business”. The vision of the company is “to create a world leading insurance and financial services group that consistently pursues sustainable growth and enhances corporate value.”
MS&AD Insurance Group Holdings Revenue :
JPY 5,132.0 billion - FY ending 31st March 2022 (y-o-y decline by 4.905%)
JPY 4,892.2 billion - FY ending 31st March 2021
Competitive Analysis of MS&AD Insurance Group Holdings
The SWOT analysis for MS&AD Insurance is presented below in a matrix followed by the detailed analysis report:
| Strengths | Weaknesses |
1. Diversified product portfolio covering major business segments
2. Market Leader in Insurance Industry
3. High Ratings from top rating agencies indicating company’s solid financial base
4. Biggest agent network in Japan with over 80,000 agents, diverse partnerships, sales channels and global network
5. Innovation through investments in world-leading ventures
| 1. Diminishing net premiums written indicating inability to grow business |
| Opportunities | Threats |
1. Growing life insurance market presents an opportunity for its life segment
2. Booming Insurance sector in Asia-Pacific
3. Implementation of digital reforms to realize growth
| 1. Increasing mortality rate can drive premium upwards
2. Shrinking insurance market due to decreasing population in Japan
3. Increase in insurance loss due to typhons and storms
|
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Detailed SWOT Analysis of MS&AD Insurance Group Holdings
Strength
1. Diversified product offering covering major business segments: MS&AD Insurance cover major businesses across insurance industry through their diversified product offering. Company has divided its business into five business segment which are Domestic Non-Life Insurance which caters to large customer base to satisfy their needs through its 3 group companies, Domestic Life Insurance Business offering protection type and asset building products through two group companies, International Business covering an overseas network of 49 countries, Financial Services Business offering new financial products and services through 5 group companies and lastly Risk Related Services Business covering global risk solutions. These five Business segments are supported by its group companies MS&AD Business Support Co Ltd, MS&AD Systems Co Ltd, MS&AD ABILITY Company Limited, MS&AD Staffing Service Co Ltd, MS&AD Business Service Co Ltd, MS&AD VENTURES. By diversifying its product offering the company managed to cover majority of the Insurance businesses in the market and meet the customers diverse needs.
2. Market Leader in Insurance Industry: MS&AD Insurance is able to establish itself as one of the market leaders in global and Japanese market. It was ranked No 1 in terms of insurance group most chosen by customers in Japan, 8th in the world as leading insurance and financial group in the world, 1st in the ASEAN region for non-life gross premiums written and is also the only non-life insurance group in the world to have a base in each of the 10 ASEAN countries. The company also has unmatched customer base in the domestic market with 44 million individual customers and 2.5 million corporate customers making it the biggest Insurance group on the basis of number of customers as of 2022.
The remaining section under "Strength" is available only in the 'Complete Report' on purchase.
Weakness
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Opportunity
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Threat
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The PESTLE analysis for MS&AD Insurance is presented below in a table followed by the detailed analysis report:
| Political | Economical |
1. Ukraine-Russia war will affect company’s alliance with Ingosstrakh Insurance Group
2. Increased looting in the US will affect company’s non-life segment
| 1. Decreasing premium per person due to continued low interest rates in Japan
2. Declining yen will negatively impact company’s bottom-line
|
| Social | Technological |
1. Aging Japanese population will result in increased premiums
2. Shrinking population of Japan will reduce the market size
| 1. Growing trend of using Telematics in vehicle Insurance segment to reduce risk
2. Use of digital technologies in Insurance industry to visualize risk
3. Increase in demand for products to cover cyber risks
|
| Legal | Environmental |
| 1. Growing demands to reduce strategic equity holding will impact business | 1. Increased frequency of natural disasters due to climate change pushing MS&AD Insurance towards net zero emission |
MSandAD Insurance Group Holdings SWOT and PESTLE Analysis PDF Report is a custom report and will be delivered to your email inbox within 2 business days from purchase.
Detailed Pestle Analysis of MS&AD Insurance Group Holdings
Political
This section is available only in the 'Complete Report' on purchase.
Economic
This section is available only in the 'Complete Report' on purchase.
Social
1. Aging Japanese population will result in increased premiums: Ageing of its population is the single biggest social problem Japan is facing since the famine during World War. Currently more than 29% of its population is more than 65 years old i.e. 36.4 million people in Japan are 65 or older, highest amongst 201 countries in the world. It is estimated that, by 2030 one in three people will be more than 65 years old and one in five people will be more than 75 years old. This will have a significant impact on its economy, due to decreased labor force and increased social security burden. However, this presents as an opportunity for insurance companies like MS&AD insurance. Aged populations are sold insurance at higher premiums, which means higher income for the company.
The remaining section under "Social" is available only in the 'Complete Report' on purchase.
Technological
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Legal
This section is available only in the 'Complete Report' on purchase.
Environmental
This section is available only in the 'Complete Report' on purchase.
Major Brands :
- Mitsui Sumitomo Insurance Co. Ltd
- Aioi Nissay Dowa Insurance Co Ltd
- Mitsui Direct General Insurance Co Ltd
- MS&AD InterRisk Research & Consulting Inc
- MS&AD Business Support Co., Ltd
- MS&AD Staffing Service Co. Ltd
MSandAD Insurance Group Holdings SWOT and PESTLE Analysis PDF Report is a custom report and will be delivered to your email inbox within 2 business days from purchase.
TABLE OF CONTENTS
DELIVERY AND FORMAT
WHY CHOOSE US?
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References used in MS&AD Insurance Group Holdings SWOT & PESTLE Analysis Report
1. Annual Report - https://www.ms-ad-hd.com/en/ir/library/disclosure/main/015/teaserItems2/0/link/1115_en.pdf
2. Financial Summary Sheet - https://www.ms-ad-hd.com/en/ir/financial/summary.html
3. Japan Inc Joins Russia Exit as Korea, China Companies Remain - https://www.bloomberg.com/news/articles/2022-03-11/japan-inc-joins-russia-exit-as-korea-china-companies-remain
4. How Does Japan’s Aging Society Affect Its Economy? - https://thediplomat.com/2019/11/how-does-japans-aging-society-affect-its-economy/
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