Credit Ratings

(As of March 29,2017)

Rating Agency Object Sompo Holdings Sompo Japan Nipponkoa Insurance Sompo Japan Nipponkoa
Himawari Life
Insurance
Saison
Automobile
&
Fire Insurance
Standard & Poor's Financial Strength Rating A+ A+
Moody's Insurance Financial Strength Rating A1
Rating and Investment
Information, Inc.(R&I)
Issuer Rating AA-
Insurance Claims Paying Ability AA-
Japan Credit Rating
Agency, Ltd. (JCR)
Ability to Pay Insurance Claims Rating AA+ AA-
A.M. Best
Financial Strength Ratings A+
Rating Agency Endurance
Specialty
Insurance
Ltd.
Sompo
America
Insurance
Company
Sompo
Japan
Nipponkoa
Insurance
Company
of Europe
Limited
Standard & Poor's A A A
A.M.Best A+ A+
Rating Agency Sompo
Japan
Nipponkoa
Insurance
(China)
Co.,
Ltd.
Sompo
Insurance
Singapore
Pte. Ltd.
Sompo
Insurance
(Hong Kong)
Co., Ltd.
Standard & Poor's A A A+
A.M.Best
Rating Agency Sompo
Japan
Nipponkoa
Insurance
De Mexico,
S.A. de C.V.
NIPPONKOA
Insurance
Company
(China)
Limited
Sompo
Japan
Canopius
Reinsurance
AG*
Standard & Poor's A A+
A.M.Best A- A
Rating Agency Sompo
Insurance
(Thailand)
Public
Company
Limited
Standard & Poor's A-
A.M.Best

* Sompo Japan Canopius Reinsurance AG benefits from parental guarantees issued by Sompo Japan Nipponkoa Insurance Inc in Japan (the “Guarantor”)on reinsurance policies.
・The obligations of the Guarantor under the guarantee ranks pari passu with all other unsecured and unsubordinated indebtedness of the Guarantor.
・The guarantee is unconditional,of payment and not collection.