2011.4.1 2012.3.31 8725 01 2011 03 07 08 09 2011 13 14

2 0 1 1 1 MS&AD 4 2011 4 7 11 2012 3 2011 4 1 MS&AD 100% 4 5 4 MUJICOLOGY MUJICOLOGY MUJICOLOGY 9 5 7 MUJICOLOGY 8 100 EPL MS&AD 2011MS&AD MS&AD MS&AD 1 AD AD & 2011 1 MS&AD 2011 1 NDI 3 MS&AD MS&AD 15 Asia Insurance Industry Award General Insurance Company of the Year MS&AD 15 Asia Insurance Industry Award 20 General Insurance Company of the Year &LIFE 2011 &LIFE - 11 12 1 2011 DD2012 30 40 1 12 1 2013 BCP 1 2011 12 1 50 1 2 3 3 1 2012 J-Win NPO J-Win2012 J-Win * *2012 2 3 D&O 01 MS&AD MS&AD 02

MS&AD 20 MS&AD 2013 EV 2 MS&AD 2013 2013 2013 ROE 2013 7% MS&AD 2013 1 20 MS&AD 2013 2 0 1 1 2 5,588 174 03 MS&AD 1,694 2011 154 4 2012 6 2010 2011 2012 2013 25,414 25,588 26,300 27,000 (27,000) 1 2,790 2,960 3,200 3,300 (3,300) 2 145 875 800 1,100 (1,500) 65 197 560 600 (1,000) 41 43 60 150 (150) 18 1,123 160 300 (300) 19 7 20 50 (50) ROE 2 0.8% 5.6% 5.3% 7.0% (7.0%) 1 20 2 ROE MS&AD ROE = + ROE = MS&AD 04

20 500 IT 2013 EV 400 100 EV2011 300 100 338 EEV 20 EEV 200 100 226 329 335 145 2 2011 7 4 0 31 2008 2009 20 31 338 145 1,057% 127% 231% 2010 2011 1 1 2,305 1 2,692 2 1 973 1 746 6,000 5,000 4,000 3,264 3,031 3,000 2,810 5,119 4,619 3,675 3,399 MS&AD 2013 50% 2008 2009 2008 2008 2008 122009 6 + 2009 2008 331 343 2,000 1,887 2,083 2,381 1 2 20 1,000 0 923 2008 TEV 947 2009 TEV 20 882 20 TEV 1,219 20 EEV 1,443 2011 EEV MS&AD MS&AD MS&AD MS&AD 05 MS&AD MS&AD 06

I N F O R M AT I O N MS&AD 2012 7 27MS&AD 2 2012 6 5 MS&AD 2011 7 9 2 9 2012 3 5 104NPO 2012 6 11 5 1 200 63kg Yoshie Ueno 52kg Misato Nakamura 3 2 MS&AD 2 9,000 1 121,000 PROFILE 2002 63kg 309 2 11 IJF 1 PROFILE 2008 2008 52kg 30911 IJF 3 2011 3 Save the Children Japan 1 5,000 3,225 2011 6 2 57kg Mayumi Yoneda Photo by JWBF 07 MS&AD MS&AD 08

2 0 1 1 2 5,588 0.7% 1,172 962 1,748 1,694 1 2,692 3.1% 387 1,3011,306 1,534 1 746 2.1% 68 92 321 435 1.6% 35.9 9.9%18 624 113 127 59 50% 33 1 1,807 112 67 2011 MS&AD 2010 2011 % 25,414 25,588 174 0.7 210 962 1,172 54 1,694 1,748 114,450 145,372 30,922 27.0 16,333 15,121 1,212 7.4 20 647 2011 2,735 2010 2011 2010 2011 % % % % 3,545 4.6 3,396 4.2 1,373 10.1 4,733 244.6 894 6.2 873 2.3 398 13.9 488 22.5 2,127 1.9 2,195 3.2 1,125 2.2 1,133 0.7 12,895 3.0 13,027 1.0 8,370 4.6 8,481 1.3 2,738 0.4 2,916 6.5 2,608 1.1 2,632 0.9 343 3.7% 3 3,212 2.6 3,178 1.0 25,414 0.9 25,588 0.7 1,984 17.7 1,945 2.0 15,861 1.7 19,413 22.4 09 MS&AD MS&AD 10

2010 2011 2010 2011 2010 2011 12,305 12,692 10,973 10,746 331 343 2.2% 3.1% 0.8% 2.1% 2.1% 3.7% 68.4% 84.8% 68.2% 79.7% 76.6% 77.4% 33.9% 33.3% 35.6% 35.1% 21.9% 21.4% 102.3% 118.1% 103.8% 114.8% 98.5% 98.8% 503 1,700 333 200 1 2 839 365 514 204 2 2 317 1,301 160 92 3 4 228 1,306 114 435 3 5 10,450 9,326 4,766 4,100 99 106 534.7% 486.8% 508.7% 442.6% 419.4% 424.4% 768.8% 681.6% 640.0% 1. 2. 100 3. 100 4. 2010 2011 2010 2011 354,100 359,837 44,983 43,069 164,329 180,624 30,830 31,225 2,790 2,960 4,355 4,389 2 41 285 280 71 113 187 59 858 1,024 542 605 1,212.8% 671.8% 775.5% 1,026.4% 1. 2. 1 1 3. 2010 1,276.8% 1,465.2% 2,127.0% 1,954.1% 2010 2011 % 1,806 1,807 1 0.1 775 864 88 11.4 546 479 66 12.2 295 294 0 0.2 188 168 19 10.5 45 67 112 249.0 84 108 24 29.2 125 128 2 21 15 5 25.9 65 63 129 196.8 200% 2012 3 31 11 MS&AD MS&AD 12

2012 3 31 2012 3 31 4 1 3 31 MS&AD 3 7 2020084 1 1,000 36,929 2012 6 26 1,676 2.6% 7,886 12.5% 11,052 17.4% 633,291,754 74,892 22,411 35.4% 20,302 32.1% % 5,261 8.3 3,632 5.7 3,001 4.7 2,774 4.4 STATE STREET BANK AND TRUST COMPANY 2,493 3.9 SSBT OD05 OMNIBUS ACCOUNT TREATY CLIENTS 1,242 2.0 THE CHASE MANHATTAN BANK, N.A. LONDON SECS LENDING OMNIBUS ACCOUNT 1,054 1.7 STATE STREET BANK AND TRUST COMPANY 505225 906 1.4 NATSCUMCO 892 1.4 MELLON BANK, N.A. AS AGENT FOR ITS CLIENT MELLON OMNIBUS US PENSION 870 1.4 1,138 3 3 31 9 30 3 4 1 4 1 183-8701 1 10 0120-176-417 UFJ http://www.ms-ad-hd.com/company/notification/index.html 1. 2. 1 2 100 15050 100 100 150 50 200 183-8701 1 10 0120-176-417 UFJ 137-8081 711 UFJ 0120-232-711 13 MS&AD MS&AD 14

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