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X 8X  \ X '&qx  1X  1x   1x@  1x > Dx  Dx Dx  Bx  8  Bx  x  Ax"  Ax" Ax"  20% - Accent120% - Accent220% - Accent320% - Accent420% - Accent520% - Accent620% - 00000 120% - 00000 220% - 00000 320% - 00000 420% - 00000 520% - 00000 640% - Accent140% - Accent240% - Accent3 40% - Accent4!40% - Accent5"40% - Accent6#40% - 00000 1$40% - 00000 2%40% - 00000 3&40% - 00000 4'40% - 00000 5(40% - 00000 6)60% - Accent1*60% - Accent2+60% - Accent3,60% - Accent4-60% - Accent5.60% - Accent6/60% - 00000 1060% - 00000 2160% - 00000 3260% - 00000 4360% - 00000 5460% - 00000 6 5Accent16Accent1 - 20%7Accent1 - 40%8Accent1 - 60% 9Accent2:Accent2 - 20%;Accent2 - 40%<Accent2 - 60% =Accent3>Accent3 - 20%?Accent3 - 40%@Accent3 - 60% AAccent4BAccent4 - 20%CAccent4 - 40%DAccent4 - 60% EAccent5FAccent5 - 20%GAccent5 - 40%HAccent5 - 60% IAccent6JAccent6 - 20%KAccent6 - 40%LAccent6 - 60%MCalc Currency (0)N CalculationOCentered HeadingP Check CellQ CodeIntCalcR Comma [0] SComma 0 TComma 2U Currency [0]V Currency 0W Currency 2 XDataY Date AlignedZ Dotted Line[ Emphasis 1\ Emphasis 2] Emphasis 3^Footnote_ Hard Percent `Header aHeader1 bHeader2c Heading 1d Heading 2e Heading 3f Heading 4 gInputhInput [yellow]i Linked CelljMultiple kNeutrallNormal - Style1mNormal 2nNormal_#18-Internet oNote pOutputq Page Numberr Percent [2]s Percent 2t Sheet Titleu Table HeadvTable Head AlignedwTable Head BluexTable Head Greeny Table Titlez Table Units {Total|00000 1}00000 2~00000 300000 400000 500000 60000 00000 00 { Ɩ QR eQR'jn_~x`1X0xS 83fff3f3ffffffff3333f\Q8ȾeRfN-cR-d@ &{ f4(g }P[ - PN(u000`WTokio Marine & Nichidoe Nisshin FireIMajor US SubsidiariesQQ  ;  ;  ;  ;  ;O5 Z_658BBEC8_8F52_4E66_992D_63522D644091_.wvu.PrintArea;O5 Z_658BBEC8_8F52_4E66_992D_63522D644091_.wvu.PrintArea;"eq- 5- 5 /Tokio Marine & Nichido Fire Insurance Co., Ltd. 5Tokio Marine Holdings, Inc. 5(billions of yen, except for %) 5FY2013 5FY2014 51Q 52Q 53Q 54Q 5 (Apr.-Jun.) 5 (Apr.-Sep.) 5 (Apr.-Dec.) 5 (Apr.-Mar.) 5FireMarineP.A.AutoCALIOtherTotal Non-fleet 5Premiums 5Number of cars 5Per-auto premiums 5Fleet 5Total 5&(*) Including loss adjustment expenses 5Total  5'(*) Including loss adjustment expenses 5Fire 5Marine 5Auto 5Other 5'(*) Excluding loss adjustment expenses 5P.A. 54Operating and general administrative expenses on U/W 5Personnel expensesNon-personnel expensesTax and contribution Agency commissions and brokerage 5!Business expenses on underwriting 5Agency commission ratioExpense ratioOutstanding claims excl. IBNR 5IBNR 5/(*1) Excluding Residential earthquake insurance 5%(*2) Residential earthquake insurance 5CALI 5:(*) Including reserve for Residential earthquake insurance 5X(*) Total of Policyholders' contract deposits and Reserve for dividends to policyholders 5Interest and dividendsDomestic bonds 5Domestic stocks 5Foreign securities%Investment income on deposit premiums 5Net interest and dividends#Gains/Losses on sales of securitiesImpairment losses on securitiesGains/Losses on derivatives$Other investment income and expensesNet investment income*Nisshin Fire & Marine Insurance Co., Ltd.  5(millions of yen, except for %) 5-4Operating and general administrative expenses on U/W %Net premiums written :%Auto insurance : YoY change (Managerial accounting basis)  5 %Net claims paid %Net W/P basis loss ratio*  5*%Net incurred losses (Private insurance)*  5600 Excluding Residential earthquake insurance and CALI' 5W%Net incurred losses caused by natural disasters during the period (Private insurance)*: 5.%Net E/I basis loss ratio (Private insurance)*  5T%Net E/I basis loss ratio excluding impact of natural disasters (Private insurance)*  5# %Business expenses on underwriting   %Expense ratio  %Outstanding claims reserves  Fire*1< 5 CALI, EQ*2< 5%General underwriting reserve  5 Fire*< 5%Catastrophe loss reserve  5#%Reserves for saving type products*  5%Underwriting profit  5%Net investment income  5%Ordinary profit  5 %Net income  5%Net claims paid  5FY2015 5 - 5(USD in millions, except for %)Net premiums writtenNet premiums earnedIncurred lossesCommission/Corporate expensesUnderwriting profit/lossNet investment income/lossI Major US Subsidiaries Reference Information (managerial accounting basis)A 5rTokio Marine Holdings, Inc. 5r Philadelphia 5rDelphi 5rYoY 5r Loss Ratio* C 5r Expense Ratio*C 5r Combined Ratio*C 5r)* Denominator used is net premiums earned 5r FY2014 2Q 5 FY2015 2Q 5November 18, 2015 5November 18, 2015 5 Business Unit Profits 5zC 1D= ExEFGI(JK N uQSTU1W=cc   (Zg{h,jP dMbP?_*+%m&R&"Arial,jn" -&C&"Arial,jn"&P / &N &M&d2?'M&d2?( `?)i4F?M\\SNVPA05\PCVM001(_ 4dXA4CanonhJ`bCanon LBP9600C/9500C LIPSLXddd     d d d d dd   dd@@d  d  d dd d"eddd     !"#$%&'d"    @ !"#$%&'()*+,-d.d/d0123456789:;<=>?@ABCDEFd    ddd !"#$%&'()*+,-./01234d!ddd d!     dK8  4 22h 1 4 22h 1XB2 -3 00000\CNZSRGBA.ICC\CNZSRGBA.ICC\CNZSRGBA.ICC r00yyH-3 0fg2 in 1(!Nb)X  "TX `?x@?@ E* ! !!@@@Z@! ! <@@@t@!!@@ !" 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