Business owner system and Group CxO system

The Group adopts business owner system and Group CxO system to enable agile and flexible decision-making and business execution under the supervision of the Group CEO and the Group COO in the Group's best interest, and increase corporate value of the Group.

Business owner system


Group CEO oversees overall operation of the Group as a Chief Executive Officer of the Group by strategically assigning business owners that are the heads of each business segment and Group CxOs that are the heads of each function of the Group to realize agile and flexible business operation under discontinuous changes in business environment.

Group COO supports Group CEO in the supervision of the general managemeng of the Group, makes decisions and supervises businesses in accordance with the role sharing with Group CEO.

The Group adopts the business owner system where the heads of each business segment (domestic P&C insurance, overseas insurance, domestic life insurance, and nursing care & healthcare) are delegated authority as business owners for business strategy proposals, investment decisions, and personnel deployment to enable agile and flexible decision-making and business execution in each business segment that is close to customers.

Under the Group CxO system, each Group CxO oversees group-wide operation of each function (Group CFO (finance), Group CSO (strategy), Group CDO (digital), Group CRO (risk management), Group CIO (IT), Group CHRO (human resource) and Group CBO (brand)) as a head of each function in the Group to enable agile and flexible decision-making, and group-wide business execution in the Group's best interest.

Group CEO and other abbreviated titles represent the following positions:

Group CEO : Group Chief Executive Officer

Group COO : Group Chief Operating Officer

Group CFO : Group Chief Financial Officer

Group CSO : Group Chief Strategy Officer

Group CDO : Group Chief Digital Officer

Group CRO : Group Chief Risk Officer

Group CIO : Group Chief Information Officer

Group CHRO : Group Chief Human Resource Officer

Group CBO : Group Chief Brand Officer