Credit Ratings

(As of June 2,2016)

Rating Agency Object Sompo Holdings Sompo Japan Nipponkoa Insurance Sompo Japan Nipponkoa
Himawari Life
Insurance
Saison
Automobile
&
Fire Insurance
Standard & Poor's Financial Strength Rating A+ A+
Moody's Insurance Financial Strength Rating A1
Rating and Investment
Information, Inc.(R&I)
Issuer Rating AA-
Insurance Claims Paying Ability AA-
Japan Credit Rating
Agency, Ltd. (JCR)
Ability to Pay Insurance Claims Rating AA+ AA-
A.M. Best
Financial Strength Ratings A+
Rating Agency Sompo
America
Insurance
Company
Sompo
Japan
Nipponkoa
Insurance
Company
of Europe
Limited
Sompo
Japan
Nipponkoa
Insurance
(China)
Co.,
Ltd.
Standard & Poor's A A A
A.M. Best A+
Rating Agency Sompo
Insurance
Singapore
Pte. Ltd.
Sompo
Insurance
(Hong Kong)
Co., Ltd.
Sompo
Japan
Nipponkoa
Insurance
De Mexico,
S.A. de C.V.
Standard & Poor's A A+ A
A.M. Best
Rating Agency NIPPONKOA
Insurance
Company
(China)
Limited
Sompo
Japan
Canopius
Reinsurance
AG*
Sompo
Insurance
(Thailand)
Public
Company
Limited
Standard & Poor's A+ A-
A.M.Best A- A

* Sompo Japan Canopius Reinsurance AG benefits from parental guarantees issued by Sompo Japan Nipponkoa Insurance Inc in Japan (the “Guarantor”)on reinsurance policies.
・The obligations of the Guarantor under the guarantee ranks pari passu with all other unsecured and unsubordinated indebtedness of the Guarantor.
・The guarantee is unconditional,of payment and not collection.