ANNUAL REPORT 2012
19/24

Short-Term Insurance, Claims PaidFY2009FY2010FY2011Type of Insurance(¥ Million)(¥ Million)(¥ Million)(US$ Thousand)Fire Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ¥  5,104¥  5,752¥  5,145$   62,607 Automobile Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 193,064206,184215,9962,628,018Personal Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8,3178,2728,794106,998Group Term Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14,19613,49914,394175,136Automobile Liability Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41,32442,61941,694507,289Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,2821,68013,879168,872Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ¥263,288¥278,008¥299,904$3,648,921Note: Cooperative-Owned Building Fire Insurance, Fixed-Amount Life Insurance, and Liability Insurance are included in “Others.”Breakdown of Claims PaidFY2009FY2010FY2011(¥ Billion)(¥ Billion)(¥ Billion)(US$ Million)Payments for Comprehensive Life Insurance at maturity . . . . . . . ¥1,741¥1,728¥1,581$19,242Payments for risks covered by Comprehensive Life Insurance . . . 5625585927,204Payments for damage covered by Automobile Insurance . . . . . . . 1932062152,628Payments for Building Endowment Insurance at maturity . . . . . . . 1,0641,00684510,288Payments for damage covered by Building Endowment Insurance 716596911,790Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1121111311,603Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ¥3,746¥3,676¥4,336$52,757Value of Actual Net AssetsAs of March 31, 2012, Zenkyoren had actual net assets valued at ¥9,191.9 billion, maintaining a high ratio to total assets of 19.3%.FY2009FY2010FY2011(¥ Billion)(¥ Billion)(¥ Billion)(US$ Million)Value of Actual Net Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥7,633¥7,505¥9,191$111,837Ratio to Total Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17.1%16.2%19.3%Value of Actual Net AssetsThe value of actual net assets is one of the indicators to recognize broad capital, which is calculated by subtracting liabilities after deduction of items regarded as capital (reserves for price fluctuations, or contingency, etc.), from the fair value of assets. Accumulation of Ample Liability ReservesZenkyoren accumulates the liability reserves necessary for future insurance payments which is the highest level of reserves.Furthermore, from the standpoint of achieving a sounder financial position and responding to inverted spreads, Zenkyoren began provisioning the accumulation of additional liability reserves against certain Comprehensive Life Insurance contracts starting in fiscal 2010.Also, Zenkyoren each year accumulates funds to build liability reserves and carries out reinsurance for unforeseen crises and major natural disasters.FY2009FY2010FY2011(¥ Trillion)(¥ Trillion)(¥ Trillion)(US$ Billion)Liability Reserves . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥40.8¥41.5¥43.0$523Note: Liability reserves account for approximately 90% of total assets.  ANNUAL REPORT 2012 17

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