ANNUAL REPORT 2013
19/24

Short-Term Insurance, Claims PaidFY2010FY2011FY2012Type of Insurance(¥ Million)(¥ Million)(¥ Million)(US$ Thousand)Fire Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥  5,752¥  5,145¥  6,495$   69,059Automobile Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .206,184215,996219,6862,335,842Personal Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . .8,2728,7948,22687,464Group Term Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . .13,49914,39413,491143,444Automobile Liability Insurance . . . . . . . . . . . . . . . . . . . . . . . . .42,61941,69440,854434,385Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1,68013,8794,82751,323Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥278,008¥299,904¥293,582$3,121,552Note: Cooperative-Owned Building Fire Insurance, Fixed-Amount Life Insurance, and Liability Insurance are included in “Others.”Breakdown of Claims PaidFY2010FY2011FY2012(¥ Billion)(¥ Billion)(¥ Billion)(US$ Million)Payments for Comprehensive Life Insurance at maturity . . . .¥1,728¥1,581¥1,542$16,401Payments for risks covered by Comprehensive Life Insurance 5585925515,864Payments for damage covered by Automobile Insurance . . . .2062152192,334Payments for Building Endowment Insurance at maturity . . . .1,0068458118,625Payments for damage covered by Building Endowment Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .659691681,789Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1111311121,200Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥3,676¥4,336¥3,406$36,221Value of Actual Net AssetsAs of March 31, 2013, Zenkyoren had actual net assets valued at ¥11,900.1 billion, maintaining a high ratio to total assets of 23.5%.FY2010FY2011FY2012(¥ Billion)(¥ Billion)(¥ Billion)(US$ Million)Value of Actual Net Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥7,505¥9,191¥11,900$126,529Ratio to Total Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16.2%19.3%23.5%Value of Actual Net AssetsThe value of actual net assets is one of the indicators to recognize broad capital, which is calculated by subtracting liabilities after deduction of items regarded as capital (reserves for price fluctuations, or contingency, etc.), from the fair value of assets. Accumulation of Ample Liability ReservesZenkyoren accumulates the liability reserves necessary for future insurance payments which is the highest level of reserves.Furthermore, from the standpoint of achieving a sounder financial position and responding to inverted spreads, Zenkyoren began provisioning the accumulation of additional liability reserves against certain Comprehensive Life Insurance contracts starting in fiscal 2010.Also, Zenkyoren each year accumulates funds to build liability reserves and carries out reinsurance for unforeseen crises and major natural disasters.FY2010FY2011FY2012(¥ Trillion)(¥ Trillion)(¥ Trillion)(US$ Billion)Liability Reserves . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥41.5¥43.0¥45.2$481Note: Liability reserves account for approximately 90% of total assets.ANNUAL REPORT 201317

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