ANNUAL REPORT 2014
19/24

Short-Term Insurance, Claims PaidFY2011FY2012FY2013Type of Insurance(¥ Million)(¥ Million)(¥ Million)(US$ Thousand)Fire Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥  5,145¥  6,495¥  5,106$   49,611Automobile Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .215,996219,686214,3762,082,938Personal Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . .8,7948,2268,15479,226Group Term Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . .14,39413,49112,787124,242Automobile Liability Insurance . . . . . . . . . . . . . . . . . . . . . . . . .41,69440,85441,850406,626Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13,8794,8272,95328,692Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥299,904¥293,582¥285,227$2,771,346Note: Cooperative-Owned Building Fire Insurance, Fixed-Amount Life Insurance, and Liability Insurance are included in “Others.”Breakdown of Claims PaidFY2011FY2012FY2013(¥ Billion)(¥ Billion)(¥ Billion)(US$ Million)Payments for Comprehensive Life Insurance at maturity . . . .¥1,581¥1,542¥1,786$17,359Payments for risks covered by Comprehensive Life Insurance 5925515435,283Payments for damage covered by Automobile Insurance . . . .2152192142,082Payments for Building Endowment Insurance at maturity . . . .8458118318,082Payments for damage covered by Building Endowment Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9691681361,329Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1311121101,077Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥4,336¥3,406¥3,624$35,218Value of Actual Net AssetsAs of March 31, 2014, Zenkyoren had actual net assets valued at ¥11,910.2 billion, maintaining a high ratio to total assets of 22.7%.FY2011FY2012FY2013(¥ Billion)(¥ Billion)(¥ Billion)(US$ Million)Value of Actual Net Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥9,191¥11,900¥11,910$115,722Ratio to Total Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19.3%23.5%22.7%Value of Actual Net AssetsThe value of actual net assets is one of the indicators to recognize broad capital, which is calculated by subtracting liabilities after deduction of items regarded as capital (reserves for price fluctuations, or contingency, etc.), from the fair value of assets. Accumulation of Ample Liability ReservesZenkyoren accumulates the liability reserves necessary for future insurance payments which is the highest level of reserves.Furthermore, from the standpoint of achieving a sounder financial position and responding to inverted spreads, Zenkyoren began provisioning the accumulation of additional liability reserves against certain Comprehensive Life Insurance contracts starting in fiscal 2010.Also, Zenkyoren each year accumulates funds to build liability reserves and carries out reinsurance for unforeseen crises and major natural disasters.FY2011FY2012FY2013(¥ Trillion)(¥ Trillion)(¥ Trillion)(US$ Billion)Liability Reserves . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥43.0¥45.2¥46.6$453ANNUAL REPORT 201417

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