ProfileZenkyoren (National Mutual Insurance Federation of Agricultural Cooperatives) was founded in 1951 to create “Mutual aid” through cooperation under the motto “One for all, all for one.” The JA (Japan Agricultural Cooperatives) Group, to which Zenkyoren belongs, conducts a variety of businesses and provides a wide range of services through JA. Zenkyoren is responsible for the insurance business. The fundamental goal of Zenkyoren is to assist members and policyholders in establishing stable and secure farming and higher standards of living by insuring them against accidental loss of life and property damage. We meet this goal by offering both life and non-life insurance. Zenkyoren continues to strengthen cooperative relationships with local communities to provide members and policyholders with improved services and a greater sense of security.ZENKYOREN’S VISIONMeasures to Achieve the Zenkyoren Three-Year Business Plan For Fiscal 2013 – 2015Zenkyoren aims to further expand operations based on viewpoints of members and policyholders. To this end, it has set the following basic direction in its three-year business plan for fiscal 2013 – 2015:■ Further expand unique JA insurance business activities rooted in the community■ Strengthen Zenkyoren’s guidance and support functions for JA and increase management efficiencyCONTENTS1Principal Business Indicators2Message from Management4JA Group6Zenkyoren’s governance7RISK MANAGEMENT INITIATIVES8Zenkyoren’s BUSINESSES12GLOBAL INITIATIVES14Social Responsibilities15Business Operations18Balance Sheets19Income Statements20Zenkyoren INFORMATIONRegarding fractional figure processing■ Fractions in both yen and U.S. dollar amounts and the number of policies have been rounded down.■ Fractions in component ratios and year-on-year comparisons have been rounded off.Main Strategies for Fiscal 2015In fiscal 2015, we will work on the following initiatives as the key measures in the final year of Zenkyoren’s current three-year business plan.1. Promote business activities rooted in the communityIntroduce area strategies to all of JAConduct sales promotion activities interconnecting follow-up visits with the use of tablet PCsConduct a coverage review program and policy maintenance activities involving the use of tablet PCsStrengthen “new partner” initiatives through sales promotion activities visiting uninsured people2. Improve policyholder satisfactionStrengthen capabilities for responding to policyholder needsBuild a claims assessment system that will be completely effective even in the event of major disastersDevelop social contribution activities rooted in the community3. Implement organizational reformsReform the organization to strengthen business functionsRebuild the damage assessment system for automobile accidents4. Examine JA insurance business initiatives for revitalizing communities and increasing agricultural incomes