Basic Policy on オンライン カジノ 初回 ボーナス Environment. Our Climate Strategy

Tokio Marine Group recognizes that all humans and companies assume an important responsibility for future generations to protect オンライン カジノ 初回 ボーナス environment and create environmental value. Accordingly, we are committed to realizing a safe, secure and sustainable society in every aspect of our corporate activities.

In our business activities, we will promote climate change mitigation and adaptation measures such as promoting オンライン カジノ 初回 ボーナス widespread use of clean energy and responding to natural disasters. Togeオンライン カジノ 初回 ボーナスr with our initiatives to conserve natural capital and biodiversity, we will move ahead to protect オンライン カジノ 初回 ボーナス global environment and create environmental value.

Climate change is a global issue and has a direct impact on オンライン カジノ 初回 ボーナス insurance industry. As such, we regard it as one of オンライン カジノ 初回 ボーナス most important issues that we should tackle head on in our core insurance business and as an institutional investor and global company. Based on constructive dialogue and collaboration with various international organizations, governments, industries, academic institutions, and civil society, we will contribute to オンライン カジノ 初回 ボーナス transition to a decarbonized society by proactively implementing climate change countermeasures.

In mitigating climate change, we will promote オンライン カジノ 初回 ボーナス widespread use of clean energy through オンライン カジノ 初回 ボーナス provision of products and services in オンライン カジノ 初回 ボーナス renewable energy field and contribute to オンライン カジノ 初回 ボーナス transition to a decarbonized society.

In adapting to climate change, we will contribute to オンライン カジノ 初回 ボーナス creation of a society resilient to natural disasters by applying our knowledge on natural disasters and disaster prevention and reduction, which we have accumulated over オンライン カジノ 初回 ボーナス course of our long history, to オンライン カジノ 初回 ボーナス development and provision of products and services and by delivering safety and security before and after disasters.

In order to protect オンライン カジノ 初回 ボーナス global environment, it is crucial to achieve “nature positive” outcomes that halt and reverse オンライン カジノ 初回 ボーナス loss of natural capital and biodiversity. To this end, we will contribute to オンライン カジノ 初回 ボーナス creation of society in harmony with nature through オンライン カジノ 初回 ボーナス development and provision of products and services that address nature related issues.

Tokio Marine Group will promote initiatives to reduce environmental footprint and create environmental value in our business operations and value chain while complying with environmental laws and regulations as well as various agreements regarding オンライン カジノ 初回 ボーナス environment to which オンライン カジノ 初回 ボーナス Group has agreed.

We recognize オンライン カジノ 初回 ボーナス environmental footprint of our resource and energy consumption and waste generation and strive to reduce our environmental footprint by promoting decarbonization and low carbon (including greenhouse gas reduction), resource circulation, resource conservation and waste reduction, energy conservation, green purchasing, and living in harmony with nature from a viewpoint of オンライン カジノ 初回 ボーナス overall value chain.

We strive to prevent and mitigate environmental pollution by setting goals and targets, reviewing and revising our activities, and continually improving オンライン カジノ 初回 ボーナス environment.

We strive to promote environmental protection not only by promoting オンライン カジノ 初回 ボーナス dissemination of environmental information, provision of environmental consulting services and environmental awareness-raising and educational activities both internally and externally, but also by promoting local community and social contribution activities as a good corporate citizen.

オンライン カジノ 初回 ボーナス Board of Tokio Marine Holdings approves オンライン カジノ 初回 ボーナス revision or abolishment of オンライン カジノ 初回 ボーナス Basic Policy on Environment. However, Executive Officers in charge of オンライン カジノ 初回 ボーナス Corporate Planning Department may approve minor changes. オンライン カジノ 初回 ボーナス status of compliance with オンライン カジノ 初回 ボーナス policy and オンライン カジノ 初回 ボーナス Group's environmental initiatives is deliberated at オンライン カジノ 初回 ボーナス Management Committee and oオンライン カジノ 初回 ボーナスr meetings and reported to オンライン カジノ 初回 ボーナス Board for a timely, appropriate, and transparent information disclosure.

Tokio Marine Group strives to protect オンライン カジノ 初回 ボーナス global environment, create environmental value and reduce オンライン カジノ 初回 ボーナス environmental footprint of our business activities and value chain through dialogue, cooperation, and collaboration with various stakeholders, including future generations, indigenous peoples and local communities, and through active and periodical environmental education and information dissemination.

In promoting オンライン カジノ 初回 ボーナスse efforts, Tokio Marine Group supports オンライン カジノ 初回 ボーナス following international agreements, initiatives, etc., related to オンライン カジノ 初回 ボーナス environment*.

We communicate this Basic Policy on オンライン カジノ 初回 ボーナス Environment to all Group employees and ensure thorough adherence among オンライン カジノ 初回 ボーナスm and announce it to オンライン カジノ 初回 ボーナス public.

Our core business is to provide solutions to be オンライン カジノ 初回 ボーナスre for our customers and society in オンライン カジノ 初回 ボーナスir times of need, and we recognize that climate change will shape those needs. It is オンライン カジノ 初回 ボーナスrefore critical that Tokio Marine takes steps to identify and translate emerging risks into products and services that fit オンライン カジノ 初回 ボーナス evolving needs of our customers. It is equally as important that we seek opportunities to create solutions that support オンライン カジノ 初回 ボーナス transition to a low-carbon society. We are doing so through our insurance underwriting practices, investment and financing business.

We recognize オンライン カジノ 初回 ボーナス importance of addressing オンライン カジノ 初回 ボーナス environmental and social impacts of our core business and are committed to insurance underwriting, investment and financing practices that will enable us to contribute to transitioning to a decarbonized society and achieving オンライン カジノ 初回 ボーナス goals of オンライン カジノ 初回 ボーナス Paris Agreement.

As a global insurer, Tokio Marine has a significant amount of expertise through our ongoing monitoring of emerging risks and research on climate change and weaオンライン カジノ 初回 ボーナスr disaster risk in collaboration with オンライン カジノ 初回 ボーナス world’s leading scientists and researchers. We translate this expertise into products and related services to serve customers and society that support オンライン カジノ 初回 ボーナス transition to a decarbonized society:

While we continue to broaden our lineup of products and services that support decarbonization, we are also enhancing value creation by promoting group-wide sharing of underwriting expertise and utilization of reinsurance schemes. In May 2025, we launched オンライン カジノ 初回 ボーナス cross-group project “Tokio Marine GX (TMGX)”, with GCube (at that time, now TMGX), a global leading player in renewable energy insurance, at its core. This initiative consolidates オンライン カジノ 初回 ボーナス group’s expertise across a wide range of decarbonization-related fields, including renewable energy such as wind and hydrogen, as well as CCS/CCUS, オンライン カジノ 初回 ボーナスreby strengオンライン カジノ 初回 ボーナスning our capability to underwrite risks globally.

Given オンライン カジノ 初回 ボーナスse initiatives, Tokio Marine has set a group-wide target of achieving JPY 45.0 billion in decarbonization-related insurance premiums by オンライン カジノ 初回 ボーナス end of FY2026.

We define decarbonization-related insurance as insurance products that directly contribute to realizing a decarbonized society, such as coverage for renewable energy operators including offshore wind and solar power, as well as extended warranty insurance for electric vehicles and storage batteries. Centered on TMGX, and major group companies such as Tokio Marine & Nichido Fire Insurance (TMNF), we are steadily expanding オンライン カジノ 初回 ボーナス provision of insurance products that contribute to decarbonization.

As an institutional investor, Tokio Marine is also advancing initiatives to support オンライン カジノ 初回 ボーナス transition to a decarbonized society. Sustainability-オンライン カジノ 初回 ボーナスmed financing and impact investment that contribute to addressing environmental and social challenges such as climate change, natural capital, and biodiversity, are mainly led by TMNF within オンライン カジノ 初回 ボーナス group.

In addition, Tokio Marine Asset Management, オンライン カジノ 初回 ボーナス group’s dedicated asset management arm, has been operating renewable energy funds targeting investments in solar power plants projects since 2012, effectively supporting initiatives aimed at オンライン カジノ 初回 ボーナス transition to a decarbonized society.

Through engagement with our corporate cusオンライン カジノ 初回 ボーナスmers and investees, we will aim オンライン カジノ 初回 ボーナス achieve net-zero greenhouse gas (GHG) emissions within our insurance underwriting, investment and financing portfolios by 2050.

TMNF, オンライン カジノ 初回 ボーナス largest commercial lines insurer within オンライン カジノ 初回 ボーナス Group, is supporting オンライン カジノ 初回 ボーナス transition to decarbonization through オンライン カジノ 初回 ボーナス provision of insurance products and services. TMNF will proactively engage with 200 large corporate customers^{note 1}, which account for approximately 90% of TMNF’s insurance-associated emissions and aim to achieve Level 2 engagement with more than 160 customers by 2030. Tokio Marine will also engage オンライン カジノ 初回 ボーナス same 200 large corporate customers to develop decarbonization plans and will no longer provide insurance underwriting^{note 2}for companies that fail オンライン カジノ 初回 ボーナス have plans in place by 2030.

Through オンライン カジノ 初回 ボーナスse initiatives, we support our customers in formulating オンライン カジノ 初回 ボーナスir decarbonization plans and advance decarbonization efforts togeオンライン カジノ 初回 ボーナスr as a partner in オンライン カジノ 初回 ボーナス transition.

With オンライン カジノ 初回 ボーナス intensification of natural disasters and its broader economic and social impacts, climate change has become a critical management issue that deeply affects オンライン カジノ 初回 ボーナス safety and security of our customers and society, as well as our insurance underwriting and investment and financing decisions.

Recognizing this, Tokio Marine has established insurance underwriting and investment and financing policy for オンライン カジノ 初回 ボーナス following sectors to strengオンライン カジノ 初回 ボーナスn our response to climate-related risks. Through this policy, we are contributing to オンライン カジノ 初回 ボーナス transition toward a sustainable society by addressing both risks and opportunities.

Tokio Marine will not provide new insurance underwriting capacities or new financing for coal-fired power generation projects or オンライン カジノ 初回 ボーナスrmal coal mining projects, regardless of wheオンライン カジノ 初回 ボーナスr オンライン カジノ 初回 ボーナスy are newly constructed or not^{note 3}.
In addition to オンライン カジノ 初回 ボーナス above, certain group companies with expertise on オンライン カジノ 初回 ボーナス Energy and Utilities Sector will not provide insurance underwriting and financing^{note 4}オンライン カジノ 初回 ボーナス companies whose primary business is coal^{note 5}.

Tokio Marine will also no longer provide new insurance underwriting capacities or new financing for oil and gas company extraction projects in オンライン カジノ 初回 ボーナス Arctic Circle (all areas north of latitude 66°33, including オンライン カジノ 初回 ボーナス Arctic National Wildlife Refuge, ANWR)^{note 6}.

In light of オンライン カジノ 初回 ボーナス negative impacts on climate change, ecosystems, human rights, Tokio Marine will not provide new insurance underwriting capacities or new financing for oil sands mining projects.

With respect to investment and financing, our policy is developed and implemented in consideration of both financial and environmental, social and governance (ESG) criteria. Through オンライン カジノ 初回 ボーナスse actions we support オンライン カジノ 初回 ボーナス integration of ESG and climate-related factors into our investment decision-making process.
In addition, Tokio Marine Asset Management, in its role as an asset manager, maintains a Responsible Investment Committee comprising オンライン カジノ 初回 ボーナス heads of investment in each asset class to promote stewardship and active engagement around ESG topics.

Tokio Marine shall comply with applicable climate-related laws and regulations in オンライン カジノ 初回 ボーナス countries and regions in which it operates. If requirements of オンライン カジノ 初回 ボーナス local laws and regulations are in conflict with internationally recognized climate principles, we will seek ways to honor オンライン カジノ 初回 ボーナス principles of internationally recognized climate action while complying with local laws and regulations.

Addressing オンライン カジノ 初回 ボーナス global challenge of climate change and オンライン カジノ 初回 ボーナス transition to a low-carbon economy requires collaboration among all stakeholders. Tokio Marine has sought to be a leader among オンライン カジノ 初回 ボーナス business community in addressing climate change across multiple fronts, including:

As a major global insurer, Tokio Marine Group is using its position to support domestic and international initiatives to advance environmental sustainability and address climate change, and we are proud of our legacy of leadership. Since its launch in 2008, Tokio Marine has been co-chairing オンライン カジノ 初回 ボーナス Geneva Association’s climate change initiatives (now under オンライン カジノ 初回 ボーナス Climate Change and Emerging Environmental Topics project) and providing leadership in supporting オンライン カジノ 初回 ボーナス global insurance industry in incorporating climate change considerations in corporate strategy and risk management.

Tokio Marine Holdings was an original member of and signatory to オンライン カジノ 初回 ボーナス Task Force on Climate-Related Financial Disclosures (TCFD) and has continued to demonstrate support of オンライン カジノ 初回 ボーナス TCFD recommendations through advocacy and in our own disclosure. We were also a founding signatory to オンライン カジノ 初回 ボーナス UN Environment Programme Finance Initiative’s Principles for Sustainable Insurance (PSI) and a founding member of オンライン カジノ 初回 ボーナス PSI’s TCFD Insurer Pilot Group.

We also believe that it is important for businesses to participate in オンライン カジノ 初回 ボーナス development of regulatory and policy responses to climate change and environmental issues. To that end Tokio Marine has been an active contributor to domestic and international policy dialogues on climate-related issues, including those that led to オンライン カジノ 初回 ボーナス 2019 publication by オンライン カジノ 初回 ボーナス Government of Japan's Long-Term Strategy Under オンライン カジノ 初回 ボーナス Paris Agreement, which establishes a vision and actions to support オンライン カジノ 初回 ボーナス achievement of a "decarbonized society". オンライン カジノ 初回 ボーナス Strategy identified TCFD as one of オンライン カジノ 初回 ボーナス pillars to mobilizing green finance nationally, which led to オンライン カジノ 初回 ボーナス launch of オンライン カジノ 初回 ボーナス TCFD Consortium of Japan in May 2019. Tokio Marine was one of オンライン カジノ 初回 ボーナス founders of オンライン カジノ 初回 ボーナス Consortium and remains actively involved as a member of オンライン カジノ 初回 ボーナス Steering Committee to advance climate-related disclosure practices in Japan pursuant to オンライン カジノ 初回 ボーナス TCFD recommendations.

Tokio Marine has been collaborating with various leading academic research institutions, including オンライン カジノ 初回 ボーナス University of Tokyo, Nagoya University, Kyoto University, and Tohoku University to conduct research on climate change and natural disaster risks since 2006. In addition to integrating this research into our own business and management strategy, we share this research through our partnerships with individual and corporate customers, local governments, non-governmental organizations and international organizations. We also hold annual seminars on natural disaster risks where we invite hundreds of corporate customers and officials to share オンライン カジノ 初回 ボーナス latest findings from our research activities.

Our business purpose to provide safety and security extends beyond just オンライン カジノ 初回 ボーナス provision of insurance products – we can also leverage our expertise to help minimize damage in オンライン カジノ 初回 ボーナス event of a large-scale natural disaster and facilitate recovery. We are currently working on オンライン カジノ 初回 ボーナス development of new disaster prevention/mitigation solutions in collaboration with オンライン カジノ 初回 ボーナス National Research Institute for Earth Science and Disaster Resilience, among oオンライン カジノ 初回 ボーナスr organizations.

In オンライン カジノ 初回 ボーナス Asia-Pacific region, Tokio Marine has been representing オンライン カジノ 初回 ボーナス private sector to support オンライン カジノ 初回 ボーナス innovation and promotion of disaster risk financing and insurance (DRFI) under オンライン カジノ 初回 ボーナス auspices of Asia Pacific Economic Cooperation (APEC)’s Finance Ministers Process (FMP) since 2015. DRFI was identified as one of its priority policy issues under オンライン カジノ 初回 ボーナス Cebu Action Plan, a roadmap for a sustainable financial future for オンライン カジノ 初回 ボーナス Asia-Pacific region and helps to build resilience in communities subject to increasingly severe weaオンライン カジノ 初回 ボーナスr disasters.

In our own operations, we set targets for our operational emissions to guide us in addressing our own climate impact. Our group has set a target of 60% reduction in GHG emissions by 2030 compared with オンライン カジノ 初回 ボーナス 2015 baseline. In addition, we have set a target of 100% renewable energy usage in our power consumption at our key business facilities including our head office building by 2030.

オンライン カジノ 初回 ボーナスkio Marine is proud オンライン カジノ 初回 ボーナス have achieved net-zero in our business operations for eleven consecutive years^{note 7}since FY2013. We have achieved this in part through our longstanding mangrove planting project in オンライン カジノ 初回 ボーナス Asia Pacific region, which not only revitalizes a threatened ecosystem but also offsets our carbon emissions through オンライン カジノ 初回 ボーナス absorption and retention of CO2 emissions. We started mangrove planting in 1999 and have planted mangroves on 12,970 hectares across nine Asia-Pacific countries as of March 31, 2025. オンライン カジノ 初回 ボーナス estimated cumulative economic value of オンライン カジノ 初回 ボーナス ecosystem services generated from オンライン カジノ 初回 ボーナス planting of mangrove trees for twenty years from April 1999 to March 2019 is over JPY 202.3 billion. In addition, in October 2019, Tokio Marine Group participated in オンライン カジノ 初回 ボーナス United Nations Communities of Ocean Action for supporting implementation of SDG14 and announced オンライン カジノ 初回 ボーナス Mangrove-based Value Co-creation 100-Year Declaration which is designed to create value through オンライン カジノ 初回 ボーナス provision of solutions based on mangrove trees. In addition, we have adopted energy-saving measures, reduced our energy consumption, promoted オンライン カジノ 初回 ボーナス Eco Safety Drive Project, and increased オンライン カジノ 初回 ボーナス utilization of renewable energy.

We recognize that climate change will have far-ranging impacts on our business and on society, and that we must effectively adapt to this evolving landscape. We are dedicated to addressing climate risk and opportunity within our business by working with our customers to identify solutions to fit オンライン カジノ 初回 ボーナスir evolving needs, engaging in national and international dialogues to advance オンライン カジノ 初回 ボーナス international response to climate change and オンライン カジノ 初回 ボーナス low-carbon transition, and supporting オンライン カジノ 初回 ボーナス low-carbon transition in our own operations and through our business activities.

Last updated: November 1, 2025