IntroductionNearly three and a half years have passed since the Great East Japan Earthquake, which caused such enormous damage. Once again, we would like to offer our condolences to all those affected by this disaster. Moreover, we would also like to express our sympathies to those who have suffered in the many natural disasters that occurred in fiscal 2013, including heavy snow, typhoons and gusts of wind.With respect to the Great East Japan Earthquake, we have worked as a member of the JA Group toward the recovery and reconstruction of the disaster-affected regions, while committing every effort to deliver claims payments and security to our policyholders as quickly as possible.As a result, total claims paid amounted to over ¥970 billion. These claims were paid out from premiums received from policyholders, and policy reserves funded by those premiums. We believe that this result demonstrates the true worth of our business activities, which are closely rooted in communities, as well as the fruition of our business philosophy of “Mutual aid.”Going forward, we will redouble our efforts to enhance the coverage we provide our members and policyholders, and build a complete assessment structure for claims payment, to ensure that we can be of service in an emergency.Fiscal 2013 Initiatives and Future Business DevelopmentsInitiatives for Developing Business Closely Rooted in CommunitiesIn fiscal 2013, we introduced and developed area strategies at the JA Group to enhance insurance coverage and maintain or expand our business base. The area strategies are one of our methods for developing business promotion activities based on the local characteristics of each JA branch.We enhanced insurance coverage through a coverage inspection program involving follow-up visits to all members and policyholders. To promote business in the life insurance field, we developed and launched Nursing Care Insurance in April 2013.In fiscal 2014, which will be the interim year of Zenkyoren’s current three-year business plan, we will continue to work toward the goal of providing complete coverage to all of our policyholders. This will be achieved by developing the use of tablets and strengthening our coverage inspection program to upgrade our policyholder services.Initiatives for Upgrading Policyholder ServicesBoth our processing lead time for underwriting and completion rate of claims settlement improved after the launch of Zenkyoren’s new insurance contract processing system ‘Kinds’ 12’ in April 2013, designed to accelerate our business processing speed.Meanwhile, our other business and data processing systems are currently being overhauled, with new systems scheduled to start in stages from fiscal 2016 through 2018.MESSAGE FROM MANAGEMENTWe Will Deepen Our Roots in Communities, Deliver More Security and Become More Trusted Based on the Philosophy of Mutual AidANNUAL REPORT 201402