Annual Report 2010
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Insurance payments made in compensation for losses suffered as a result of natural disastersMain payments made in FY2009August 2009 (damage caused by the Suruga Bay Earthquake in Shizuoka, Nagano, Yamanashi and other prefectures): 10,174 claims totaling ¥5,460 millionOctober 2009 (damage caused by Typhoon No. 18 (Melor) in Aichi, Mie, Shizuoka and other prefectures):20,030 claims totaling ¥8,030 millionJul. 2007: The Niigata Chuetsu Offshore Earthquake (Niigata, Nagano and other prefectures)32,136 claims totaling ¥31,660 millionSept. 2004: Typhoon No. 18 (Songda) (Yamaguchi, Kumamoto, Fukuoka and other prefectures)284,389 claimstotaling ¥108,060 million Oct. 2004: The Niigata Chuetsu Earthquake (Niigata, Gunma, Fukushima and other prefectures) 87,641 claims totaling ¥77,350 millionOct. 2004: Typhoon No. 23 (Tokage) (Hyogo, Kyoto, Okayama and other prefectures)78,495 claimstotaling ¥40,450 millionJan. 1995: The Great Hanshin Earthquake(Hyogo, Osaka, Kyoto and other prefectures)101,535 claimstotaling ¥118,880 millionSept. 1999: Typhoon No. 18 (Bart) (Kumamoto, Yamaguchi, Kagoshima and other prefectures)179,978 claims totaling ¥63,690 million Sept. 2005: Typhoon No. 14 (Nabi) and heavy rain (Miyazaki, Kagoshima, Oita and other prefectures)39,990 claims totaling ¥29,340 millionSept. 1998: Typhoon No. 7 (Vicki)(Nara, Mie, Wakayama and other prefectures)84,756 claims totaling ¥27,050 million Sept. 1991: Typhoon No. 19 (Mireille) across the whole country 438,406 claimstotaling ¥148,820 millionValue of Actual Net AssetsAs of March 31, 2010, Zenkyoren had actual net assets valued at ¥7,633.2 billion, maintaining a high ratio to total assets of 17.1%.Accumulation of Ample Liability ReservesTo ensure sound management, Zenkyoren enacts policies to eliminate bad debt and other potential issues, while accumulating the reserves necessary for future insurance payments.  Furthermore, Zenkyoren each year accumulates funds specifically for unforeseen crises and carries out reinsurance to build liability reserves in preparation for major natural disasters.FY2007FY2008FY2009(¥ Billion)(¥ Billion)(¥ Billion)(US$ Million)Value of Actual Net Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥7,700¥6,993¥7,633$82,042Ratio to Total Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17.7%16.2%17.1%Value of Actual Net AssetsThe value of actual net assets is one of the indicators to recognize broad capital, which is calculated by subtracting liabilities after deduction of items regarded as capital (reserves for price fluctuations, or contingency, etc.), from the fair value of assets. FY2007FY2008FY2009(¥ Trillion)(¥ Trillion)(¥ Trillion)(US$ Billion)Liability Reserves . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥39.7¥39.9¥40.8$439Note: Liability reserves account for more than 90% of total assets.  ANNUAL REPORT 2010 17

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