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人生は長い だから すばらしい
Contents 2 4 6 2010 6 2010 8 10 10 12 13 14 15 16 16 18 21 22 24 25 111 20117 2011 1
2010 年度の経済環境と業績動向 2010 2 2010 20104 7,696103.4%2010 13,833 192.1% ERM 今日から個人年金を人生年金に 変えていくのは私たちです 200912 ERM Enterprise Risk Management 2 AEGON Sony Life Insurance Co., Ltd.
経営理念 経営方針 201141 One Team One Dream 20117 2011 3
ソニー生命保険について 200912 会社概要 2011331 700 5,921 4,017 47,233 ソニーフィナンシャルホールディングスについて 201171 100% 100% 100% 50% 50% Sony Life Insurance (Philippines) SA Reinsurance 100% 100% 100% 57% 4 AEGON Sony Life Insurance Co., Ltd.
エイゴンについて 20 27,5004,000 4,130 200912 会社概要 20101231 8,891 27,500 361,047 2010121108.65 エイゴンの顧客理念 エイゴンのスポンサーシップ 2008 2011 2009 エイゴンの社会貢献活動 2010 660 日本での社会貢献活動 20114 60072,000 3 252,000 2011 5
2010 2010 20113 2 7,696103.4%13,833 192.1% 7,7719,3281,557 1,583 1,499 2010920113 18,234 2011 20114 Must-Win Battles1 234 6 AEGON Sony Life Insurance Co., Ltd.
5 2006 2007 2008 2009 2010 年度 1 7,441 7,696 7,532 7,771 585 1,557 526 1,499 604 1,583 10,000 10,000 20,00020,000 27,294 31,674 2 5,661 13,439 7,246 13,808 4,918 13,305 3 % % % 35,575.8% 34,672.4% 14,607.0% 97 109 4 7,199 13,833 7,199 13,833 1. 2. 3. 2220102322201048 20112010 4. 2011 7
2010 2010 新契約高 7,696 百万円 781 件 2009255 10,000 7,500 5,000 2,500 7,441 7,696 0 2009 2010 1,000 750 500 250 0 781 467 2009 2010 保有契約高 13,833 百万円 1,218 件 20096,633 15,000 13,833 1,500 1,218 10,000 1,000 7,199 5,000 500 466 0 2009 2010 0 2009 2010 2010 経常利益 ( 損失 ) 1,557 百万円 基礎利益 1,499 百万円 当期純利益 ( 損失 ) 1,583 百万円 2009 8 AEGON Sony Life Insurance Co., Ltd.
総資産 31,674 百万円 2010 2010 2009 4,379 2 40,000 31,674 30,000 27,294 20,000 10,000 2011 9 0 2009 2010 特別勘定資産 13,439 百万円 2010 2009 7,778 15,000 10,000 5,000 0 13,439 5,661 2009 2010 責任準備金残高 13,808 百万円 2010 2009 6,561 15,000 10,000 5,000 7,246 13,808 0 2009 2010 有価証券残高 13,305 百万円 2010 2009 8,386 15,000 10,000 5,000 4,918 13,305 0 2009 2010 ソルベンシー マージン ( 支払余力 ) 比率 34,672.4% 逆ざやありません 200% 資本金 ( 資本準備金を含む ) 20,000 百万円 61,000 20,000
2 CS CSCS 1052 2011711 CS CS 10 AEGON Sony Life Insurance Co., Ltd.
200912201012 2011220% % 2009 2010 2010 667 8 61.5 41 42.7 0 0.0 0 0.0 96 4 30.7 14 14.6 0 0.0 21 21.9 1 7.8 20 20.8 13 100.0 96 100.0 1052 228 FAX 1 ご連絡先 :( 社 ) 生命保険協会生命保険相談所 100-0005 341 3 TEL03-3286-2648 9:0017:00 http://www.seiho.or.jp/ 2011 11
20111 105% 2010 201171 5 10152 15 5 2010 105% 12 AEGON Sony Life Insurance Co., Ltd.
4 1 1 1 1 1 http://www.aegonsonylife.co.jp/ 2011 13
2009201171 8 201171 2010 20 KASH KnowledgeAttitude:SkillHabit WPLWork Place Learning 14 AEGON Sony Life Insurance Co., Ltd.
2010 0 0 0 0 0 4 0 0 0 0 4 4 2010 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2011 15
コーポレートガバナンスについて 16 AEGON Sony Life Insurance Co., Ltd.
2011 17
18 AEGON Sony Life Insurance Co., Ltd.
http://www.seiho.or.jp/ http://www.aegonsonylife.co.jp/ TEL0120-966-066 9:0017:30 2011 19
1. 2. 3. 4. 15 15 5. 6. 7. 8. 9. 20 AEGON Sony Life Insurance Co., Ltd.
2011 21
1. 2. 3. 4. 5. 22 AEGON Sony Life Insurance Co., Ltd.
6. 7. 8. 9. 10. 11. 100222 12 3...... SA Reinsurance Ltd. Sony Life Insurance (Philippines) CorporationAEGON Nederland N.V. AEGON International B.V. 2011 23
1 2.... 1 2 3 2 5 1 2 20102011311 24 AEGON Sony Life Insurance Co., Ltd.
2 011 2011 25
. 28 1 28 2 28 3 28 4 28 5 29 6 29 1 29 2 29 7 29 8 29 9 30 10 30 11 30 12 30. 30 1 30 2 30. 31 1 31 2 31 3 31 4 31 5 31 6 31 7 31 8 31 9 31 10 31. 5 31. 32 1 32 2 33 3 34 4 35 5 42 6 42 7 42 8 42 43 9 44 1 44 2 45 3 45 10 46 11 47 12 47 13 47 14 47. 48 1 48 1 48 2 48 3 48 4 49 5 50 6 50 7 51 2 51 1 51 2 51 3 52 4 52 5 52 6 52 7 52 8 52 9 52 10 5 52 11 52 12 52 13 53 3 53 1 53 26 AEGON Sony Life Insurance Co., Ltd.
3 54 4 54 5 54 6 54 7 54 8 55 9 55 10 55 11 55 12 55 13 55 14 56 15 56 16 56 17 56 18 56 19 56 4 57 1 57 2 59 3 60 4 60 5 60 6 61 7 61 8 61 9 61 10 61 11 61 12 61 13 61 14 62 15 62 16 62 17 62 18 62 19 62 20 62 21 62 22 62 23 62 24 63 25 63 26 63 2 271 67 2 53 27 63 28 63 29 63 30 63 31 63 5 64 1 64 2 64 3 65. 65 1 65 2 65 3 12111 65 4 65 5 65 6 65. 66 1 66 2 66 3 67 1 67 2 67 3 67 4 67 2011 67 3 68 4 68. 68
. 1 2007 8 2009 8 12 2010 2 2011 1 2 2011711 3 150-00015-52-2 03-6823-5555 4 2007 8 29 1,000 1,000 2008 4 3 1,000 2,000 10 6 1,000 3,000 2009 5 13 1,000 4,000 8 5 6,000 10,000 28 AEGON Sony Life Insurance Co., Ltd.
6 1 2 100,000 20,000 201171 2 201171 20,000 201171 10,000 50 10,000 50% 7 8 201171 70,000 1979 50% 111 810 2591 50 165 201171 1983 101 5 50% 2011 29
9 10 2009 2010 2009 2010 2010 97 109 17 19 39.3 2.2 59 71 8 14 40.6 2.2 38 38 9 5 37.1 2.2 11 20103 20113 771 758 3 12. 1 1. 2. 3. 4. 5. 14 6. 1 2 2 3 30 AEGON Sony Life Insurance Co., Ltd.
. 69 2 3 1011 4 13 5 13 6 14 7 12 8 12 9 21 10 24. 5 75 2011 31 1
. 1 2009 2010 2009 2010 20103312011331 20103312011331 113 4,388 4,388 10,922 4,918 4,918 96 20 76 1,396 1,396 5,572 0 104 0 110 5,351 5 27,294 1,447 0 1,447 7,926 13,305 13,305 155 102 53 1,629 1,629 7,209 10 102 6 71 7,015 3 31,674 7,246 7,246 232 3 787 3 401 92 13 274 36 1 8,308 10,000 10,000 10,000 1,013 1,013 1,013 18,986 0 0 18,986 27,294 13,841 32 13,808 48 24 341 3 162 112 17 40 5 7 3 4 14,270 10,000 10,000 10,000 2,596 2,596 2,596 17,403 0 0 17,404 31,674 32 AEGON Sony Life Insurance Co., Ltd.
2 2009 2010 200941 201041 2010331 2011331 113 113 7,532 7,441 7,441 90 2 2 0 10 12 64 0 0 8,118 5 1 3 7,246 7,246 8 0 8 2,689 795 173 159 425 36 0 2,627 585 15 13 1 601 3 3 604 7,771 7,702 7,696 5 9 1 1 8 59 30 29 9,328 608 129 55 97 119 207 6,594 32 6,561 84 84 3,035 2,040 154 398 1,371 80 14 20 3,035 1,557 18 17 1 1,576 3 3 7 1,583 2011 33
3 2009 2010 200941 201041 2010331 2011331 113 601 159 7,246 36 1 2 64 10 0 2 2,500 232 3 601 425 9 5,539 1 3 5,537 10,911 4,859 5 2 15,763 10,226 14 285 16,062 14,000 14,000 3,474 913 4,388 1,576 398 32 6,561 29 1 1 84 8 17 3,004 183 21 445 1,371 3,240 1 3 3,237 3,000 8,699 228 5,471 2,233 136 570 6,178 2,940 4,388 1,447 34 AEGON Sony Life Insurance Co., Ltd.
4 2009 2010 200941 201041 2010331 2011331 3,000 7,000 7,000 10,000 3,000 7,000 7,000 10,000 408 604 604 1,013 5,591 14,000 604 13,395 18,986 0 0 0 5,591 14,000 604 0 13,394 18,986 10,000 10,000 10,000 10,000 1,013 1,583 1,583 2,596 18,986 1,583 1,583 17,403 0 1 1 0 18,986 1,583 1 1,581 17,404 2011 35
2009 2009412010331 1. 3 2010 2010412011331 1. 3 2. 2. 3. 815 215 4. 3. 815 215 4. 5. 1 5. 1 2 20104 81 80 4 36 AEGON Sony Life Insurance Co., Ltd.
2011 3718 2009412010331 2 6. 115 7. 1 5 2 116 8 199648 3 4113 113 2009 2010 2010412011331 1998616 3 6. 115 7. 1 2 116 8 199648 3 4113 113 8. 21 4040 24
2009 2009412010331 1. 116 2010 2010412011331 1. 164 2. 11816,472 2. 1181 13,570 3. 227 3. 71 26 4. 2,274 1,913 361 2,209 27 1131,913 36.21% 0.63% 36.84% 4. 3,455 2,525 933 3,327 49 1132,512 36.21% 0.47% 36.31% 5. 711 5 5. 73371 1 071 1 373 6. 194930 6. 187020 7. 1181 7. 1181 38 AEGON Sony Life Insurance Co., Ltd.
2009412010331 1181 4,388 4,388 10,922 10,922 4,918 4,918 1 2 3 8. 2010 2010412011331 1181 2009 1,447 1,447 7,926 7,926 13,305 13,305 1 2 3 8. 259 11 9. 2011 39
2009 2009412010331 1. 384 2010 2010412011331 1. 233 2. 5 2. 0 368 3. 13867 3. 17917 4. % 7,000 50% 4 285 220 AEGON International 7,000 B.V. 50% AEGON International B.V. 11,000 5. 2009 2009412010331 1. 2. 1132,627 3. 3. 4. % 79 50% 4 5. 2010 2010412011331 1. 2. 1133,035 17 40 AEGON Sony Life Insurance Co., Ltd.
2009 2009412010331 1. 2009 2009412010331 6,000 14,000 20,000 6,000 14,000 20,000 14,000 2. 1. 10 2008310 19 2008310 2. 2009827121 118 2010 2010412011331 1. 20,000 20,000 20,000 20,000 2. 2010 2010412011331 2011 41
5 6 7 8 2009 2010 A 13,708 10,526 13,630 10,385 1 3 76 136 90%100% 0 1 85%100% (R1R8) 2 (R2R3R7) 2 R4 B 77 60 R1 R8 R2 0 R3 74 58 R4 2 1 R7 A 100 1/2B 35,575.8% 34,672.4% 1. 86871611621908199650 50131 2. 42 AEGON Sony Life Insurance Co., Ltd.
2010 A 10,526 10,385 3 136 90%100% 1 85%100% (R1R8) 2 (R2R3R7) 2 R4 B 144 R1 R8 R2 0 R3 139 R4 4 R7 A 100 1/2B 14,607.0% 1. 2220102322201048 2011 2010 2. 2011 43
9 1 2009 2010 4,918 64 13,305 83 2009 2010 10,102 10,102 0 0 7,030 7,031 1 1 0 9,301 9,300 0 0 6,227 6,229 1 1 0 801 801 802 802 10,102 10,102 0 0 7,030 7,031 1 1 0 9,301 9,300 0 0 6,227 6,229 1 1 0 801 801 802 802 1. 2. 20099,30102010 6,2271 44 AEGON Sony Life Insurance Co., Ltd.
2009 2010 3,122 3,124 1 3,122 3,124 1 10,102 10,102 0 3,908 3,907 0 9,301 9,300 0 3,105 3,104 0 801 801 802 802 2 2009 2010 10,922 10,922 7,926 7,926 2009 2010 10,923 10,922 0 0 7,925 7,926 1 1 0 3
10 2009 2010 A 526 1,499 17 2 4 2 12 0 0 B 17 2 AB 508 1,497 76 59 76 59 C 76 59 ABC 585 1,557 1. 2009520106 2. 11320092,627 20103,035 46 AEGON Sony Life Insurance Co., Ltd.
11 43621 12 13 14 2011 47
. 1 1 69 2 % 2009 2010 466 7,199 1,218 261.4 13,833 192.1 2009 2010 % 467 7,441 7,441 781 167.2 7,696 103.4 7,696 3 % 2009 2010 6,432 4,970 77.3 6,432 4,970 77.3 2009 2010 % 6,432 4,720 73.4 6,432 4,720 73.4 11 48 AEGON Sony Life Insurance Co., Ltd.
2009 2010 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 7,199 8,328 7,199 8,328 ( ) ( ) ( ) ( 160) ( ) ( ) ( ) ( ) ( ) ( 160) 5,504 5,504 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 1. 2. 3. 4. 2011 494
2009 2010 5 2009 2010 7,199 13,833 6 50 AEGON Sony Life Insurance Co., Ltd.
2009 % 2010 466 7,199 467 7,441 781 7,696 5 63 170 1 1 12 95 240 12 733 466 7,199 1,218 13,833 ( ) ( ) ( 161.4) ( 92.1) 466 7,199 752 6,633 ( ) ( ) ( 61.4) ( 7.9) 7 2 1 2009 2010 92.1% 2 2009 2010 15,934 9,855 15,449 8,739 2011 51
3 2009 2010 106.9% 4 2009 2010 1.4% 5 6 2009 2010 2009 2010 5.9 6.1 7 8 2009 2010 36.1% 39.4% 9 2009 1 2010 1 10 5 2009 2010 100.0% 100.0% 11 12 2009 2010 0 52 AEGON Sony Life Insurance Co., Ltd.
3 1 2009 2010 10 12 32 2 2009 2010 7,169 13,671 1,005 102 6,164 13,569 7,169 13,671 1,005 102 6,164 13,569 76 136 7,246 13,808 1,082 238 6,164 13,569 13 2011 53
3 2009 7,169 76 7,246 2010 13,671 136 13,808 4 2009 2010 100.0% 100.0% 1. 2. 8199648 % 1980 19811985 19861990 19911995 19962000 20012005 2006 2007 2008 2009 19 0.10 2010 83 0.000.55 1. 2. 5 6 7 36 7 29 1 3 1 363756 54 AEGON Sony Life Insurance Co., Ltd.
2011 55 2010 2009 9 10,000 10,000 (20,000) (20,000) 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10 2009 2010 7,441 7,696 7,441 7,696 7,441 7,696 11 8 12 129 129 13 2010 2009 55 55 55 55
14 2010 2009 97 97 1 15 % 320 59 164 155 51.4 115 14 13 102 11.5 204 45 151 53 74.0 2,077 336 447 1,629 21.6 11 2 8 2 73.3 2,409 398 620 1,788 25.8 16 2009 2010 661 354 24 703 2,003 1,977 2,689 3,035 20101 17 2009 2010 135 109 75 98 10 9 0 0 49 0 37 45 18 24 13 14 2 1 3 4 173 154 18 19 56 AEGON Sony Life Insurance Co., Ltd.
1 2010 2010 311 32010GDP+2.3%3 QE23 201131,334849,75510 1070.9% 20113 0.140%1.255% 676 G720113989 18315 20109201018,234 2011 57 4
% 2009 2010 3,645 16.9 1,323 7.3 10,922 50.5 7,926 43.5 102 0.6 7,065 32.7 8,882 48.7 21,633 100.0 18,234 100.0 58 AEGON Sony Life Insurance Co., Ltd.
59 2009 2010 3,645 2,321 10,922 2,995 102 7,065 1,816 21,633 3,398 2 2009 2010 0.08% 0.07% 0.18% 0.09% 2011 0.11% 0.05% 1. 2. 112
3 2009 2010 3,287 1,652 6,116 9,309 51 15,249 18,739 4 2009 2010 2 1 10 8 12 26 9 5 2009 2010 0 8 8 60 AEGON Sony Life Insurance Co., Ltd.
2009 2010 2 1 2 1 7 8 9 10 11 12 13 2009 2010 6110 10 1 3 5 7 1 3 5 7 1 1 3 5 7 10 3 5 7 10 2011 8,998 302 9,300 3,806 2,020 401 6,229 8,998 302 9,300 3,806 2,020 401 6,229 801 801 802 802 10 6
14 15 16 17 18 19 20 21 22 23 % 24 0 4 20 9 32.1 2009 116 13 2 51 76 106 58.3 141 14 2 56 96 116 54.6 20 113 16 14 102 13 11.5 2010 76 23 0 45 53 151 74.0 96 136 17 59 155 164 51.4 62 AEGON Sony Life Insurance Co., Ltd.
2009 2010 20 102 20 102 24 25 2009 2010 2 17 16 2 0 11 13 17 26 27 28 29 30 31 11 8 2 0 0 0 11 0 8 3
5 1 2009 2010 10,102 10,102 0 0 7,030 7,031 1 1 0 9,301 9,300 0 0 6,227 6,229 1 1 0 801 801 802 802 10,102 10,102 0 0 7,030 7,031 1 1 0 9,301 9,300 0 0 6,227 6,229 1 1 0 801 801 802 802 1. 2. 20099,30102010 6,2271 2 2009 2010 10,922 10,922 7,926 7,926 64 AEGON Sony Life Insurance Co., Ltd.
2009 2010 10,923 10,922 0 0 7,925 7,926 1 1 0 3. 1 1617 2 2224 3 12111 4 11 5 1820 6 24
. 1 2009 2010 6,472 13,570 6,472 13,570 2 2009 2010 1A-1 2009 129 110.62 98.85 1A-2 2009 129 MSCI 106.00 107.77 1A-3 2009 129 99.29 99.10 1A-4 2009 129 99.43 91.85 20 3A-1 2009 129 100.16 95.33 20 4A-1 2011 128 4 99.95 20 4A-2 2011 29 EMU EMU 99.64 66 AEGON Sony Life Insurance Co., Ltd.
1 2 3 4 1 2009 2010 466 7,199 1,217 13,803 2 % 2009 2010 742 11.5 124 0.9 4,918 76.0 13,305 98.0 4,918 76.0 13,305 98.0 811 12.5 140 1.0 6,472 100.0 13,570 100.0 3 2011 67
3 2009 2010 0 1 65 33 0 3 0 50 64 84 4 2009 2010 4,918 64 13,305 83. 68 AEGON Sony Life Insurance Co., Ltd.
150-00015-52-2 03-6823-5555 http://www.aegonsonylife.co.jp/ 20117 11.07 IR CP500002