Future Growth Prospects

SOMPO group vision and
the Mid-Term Management Plan

For a future of "Health, Wellbeing & Financial Protection″, the Group is developing into a corporate group that continues to deliver services.

Achieve the vision as soon as possible by “Increasing resilience” and “Connecting with customers and delivering connected services” under the Mid-Term Management Plan (FY2024-2026), while addressing the latest challenges.

Domestic P&C Insurance

Improve stability and flexibility as well as profitability and transform into a resilience business structure

1. IFRS basis, Converted target (8%) based on old standards (J GAAP basis) to IFRS
2. Old standards (JGAAP basis)
3. Excluding transient factors, such as the decreased impact of natural catastrophes and large losses.

Overseas Insurance

Adjusted profit is expected to grow supported by expanding underwriting income and higher net investment income

1. Overseas total, including Aspen, acquired in February 2026. On IFRS 4 basis for the period from January to December.
2. SIH consolidated basis, not including Aspen. On IFRS 4 basis for the period from January to December.

Domestic Life Insurance

The domestic life insurance business is expected to generate stable profits by focusing on insurance and service, increasing the number of customers, and strengthening health support

1. No. of policies in force + health-related service users
2. IFRS adjusted profit / IFRS net assets
3. Contractual Service Margin : The present value of the future profit of the new contract, which is a future source of profit

Nursing Care

SOMPO will lead efforts to reform the nursing care industry, such as by improving quality and efficiency of operations by utilizing data and digital technologies, etc.

1. Calculated by using adjusted profit of the business of which the main source of revenue is public LTC insurance benefits for facility-based and at-home care as the numerator
   New business classification from FY2026(non-insurance revenue accounted under the wellbeing business)
   Figures for FY2024 and FY2025 were recalculated by using the definition for FY2026 onwards.
2. Occupancy rate＝Number of residents÷Facility capacity
   Calculated by aggregating the figures for fee-charging nursing care homes and senior serviced residences
   Figures for FY2023 and FY2024 were recalculated by using the definition for FY2025 onwards.