ANNUAL REPORT 2015
19/24

Short-Term Insurance, Claims PaidFY2012FY2013FY2014Type of Insurance(¥ Million)(¥ Million)(¥ Million)(US$ Thousand)Fire Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥  6,495¥  5,106¥  5,307$   44,162Automobile Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .219,686214,376208,6341,736,157Personal Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . .8,2268,1547,81265,007Group Term Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . .13,49112,78712,506104,069Automobile Liability Insurance . . . . . . . . . . . . . . . . . . . . . . . . .40,85441,85041,977349,313Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4,8272,9533,24026,961Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥293,582¥285,227¥279,480$2,325,705Note: Cooperative-Owned Building Fire Insurance, Fixed-Amount Life Insurance, and Liability Insurance are included in “Others.”Breakdown of Claims PaidFY2012FY2013FY2014(¥ Billion)(¥ Billion)(¥ Billion)(US$ Million)Payments for Comprehensive Life Insurance at maturity . . . .¥1,542¥1,786¥1,710$14,232Payments for risks covered by Comprehensive Life Insurance . .5515435324,434Payments for damage covered by Automobile Insurance . . . .2192142081,736Payments for Building Endowment Insurance at maturity . . . .8118318637,186Payments for damage covered  by Building Endowment Insurance . . . . . . . . . . . . . . . . . . . . .1681361481,237Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .112110110923Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥3,406¥3,624¥3,575$29,750Value of Actual Net AssetsAs of March 31, 2015, Zenkyoren had actual net assets valued at ¥14,586.3 billion, maintaining a high ratio to total assets of 26.9%.FY2012FY2013FY2014(¥ Billion)(¥ Billion)(¥ Billion)(US$ Million)Value of Actual Net Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥11,900¥11,910¥14,586$121,380Ratio to Total Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23.5%22.7%26.9%Value of Actual Net AssetsThe value of actual net assets is one of the indicators to recognize broad capital, which is calculated by subtracting liabilities after deduction of items regarded as capital (reserves for price fluctuations, or contingency, etc.), from the fair value of assets. Accumulation of Ample Liability ReservesZenkyoren accumulates the liability reserves necessary for future insurance payments which is the highest level of reserves.Furthermore, from the standpoint of achieving a sounder financial position and responding to inverted spreads, Zenkyoren provisions the accumulation of additional liability reserves against certain Comprehensive Life Insurance contracts and Building Endowment Insurance contracts.Also, Zenkyoren each year accumulates funds to build liability reserves and carries out reinsurance for unforeseen crises and major natural disasters.FY2012FY2013FY2014(¥ Trillion)(¥ Trillion)(¥ Trillion)(US$ Billion)Liability Reserves . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¥45.2¥46.6¥47.7$397ANNUAL REPORT 201517

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