一 三 ·...
TRANSCRIPT
TOKIO MARINE NEWA INSURANCE
Annual Report 2014
年 年報
TOKIO
MARIN
E NEW
A INSU
RANC
E CO
., LTD. AN
NU
AL REPORT 2014
新安東京海上產物保險股份有限公司
一〇三年
年報
10488 台北市中山區南京東路三段130號8-13樓電話:(02) 8772-7777 客服專線:0800-050-1198-13F., No. 130, Sec. 3, Nanjing E. Rd., Zhongshan District, Taipei, Taiwan, R.O.C.TEL:+886-2-87727777
www.tmnewa.com.tw
© 2014TOKIO MARINE NEWA 本印刷品採用環保大豆油墨印製
一 三
目 錄
CONTENTS
董事長的話 01大事紀 03
經營特色 04社會責任 06營運報告 09
財務要覽 / Financial Highlights 14監察人審查報告書 / Supervisors’ Report 15
會計師查核報告 / Independent Auditors’ Report 16資產負債表 / Balance Sheets 17
綜合損益表 / Statements of Comprehensive Income 19
公司組織圖 / Organization 21董事會及監察人 / Board of Directors & Supervisors 23
主要經理人 / Management 24
各部門主管 / Department Heads 27營業據點 / Headquarters & Branch Offices 29
營業項目 / Major Products 31
Message from the Chairman 33
Milestones 35
Company Advantages 36
CSR 39
Business Report 43
圖片內容 / 寬帶三線蝶圖片版權 / 業餘攝影 呂立中
董事長的話1 2
新安東京海上產險 一〇三年 年報
2014年，全球經濟在美國的帶動下呈現溫和復甦趨勢，中國與東協等新興市場經濟
持續成長但速度漸緩，歐元區深受高債務與失業率困擾，而日本的實質經濟成長率則
趨近於零。所幸台灣出口與內需市場的成長表現亮眼，也帶動了整體經濟成長。行政
院主計總處統計資料顯示，2014年實質國內GDP成長3.74%，相較於2013年上升近
1.5個百分點。
產險市場因車市銷售創2006年以來新高，帶動車險業務成長，2014年簽單保費達
1315.6億元，成長率5.9%。本公司簽單保費為101.7億元，較2013年成長約10.8%，
業績表現十分亮眼。如此得來不易的成果，必須歸功於所有同仁於日常業務中落實
「B.E.S.T.」核心價值，在商品開發、核保、理賠等業務領域持續建構長期競爭力，
進而獲得客戶的支持與業績的成長。
基於「打造一個社會大眾安心的生活環境」的企業使命與初衷，本公司秉持「永續發
展」的經營理念，持續推出滿足客戶需求的特色商品與貼心的差異化服務，以嚴謹的
公司治理制度維護股東及保戶的權益，並創造和諧正向的員工關係。在公益方面，本
著「深耕社區 關懷社會」的宗旨，持續深耕社區並關懷酒駕防制等社會議題。在2014
年出版的第一本「企業永續報告書」中，展現出本公司為永續發展所做的努力和用心，
更激勵我們繼續朝著永續之路邁進。
展望2015年，國際經濟預測機構樂觀看待全球經濟成長趨勢，全球貿易的復甦預計
將對台灣進出口貿易量有正面影響。行政院主計總處預期2015年我國經濟成長率可
達3.78%，為近4年新高，預期國內產險市場規模也將與總體經濟同步成長。面對
2015年，本公司將透過靈活的經營策略，致力於業務效能與專業的提升，以更好的
營運績效、更貼近客戶需求的商品與服務，回饋給支持我們的股東、合作夥伴、客戶
和社會大眾。
董事長的話
董事長
董事長的話
7 8
新安東京海上產險 一〇三年 年報
社會責任社會責任
為鼓勵員工在閒暇之餘多從事有益身心的休閒活動，創造與工作平衡的健康生活並
有效提升工作效能，本公司積極透過員工旅遊和社團活動補助等福利措施，形成與
休閒生活結合的職場文化與勞資互動的良性循環。2014年取得職工福利委員會補助
之員工旅遊團共有53團，有高達將近九成的員工參與其中；另加入社團的員工亦超
過八成。此外，公司每年分區舉辦家庭日戶外活動，邀請員工家人參與活動，展現
出員工家庭生活與工作間的和諧關係。
新安東京海上長期投入社區公益，回饋社會，自2005年起招募總公司同仁擔任志工，
投入台北市立中正國小交通導護服務迄今已達10年，雙方多年來建立了良好緊密的
合作關係。為協助歷史悠久的中正國小改善校園設施並強化學校特色，雙方透過「
特色發展計畫」，從課程、環境、活動、學生學習四個面向著手，期盼藉由此計畫將
藝術人文種子深植於學童們心中。此外，本公司連續2年響應台南市立圖書館的「非
讀BOOK 台南愛讀冊」活動，針對台南地區偏遠小學進行晨光閱讀教學活動，投入志工
進行閱讀故事導讀，提升郊區學童閱讀能力。
酒駕是車禍的主因之一，常造成無辜生命及財產的重大損失，增加社會負擔。為促
使社會大眾重視酒駕問題，並意識到酒後開車的危害，新安東京海上自2012年開始
推廣酒駕防制宣導，成為全國第一個推動防制酒駕的非酒商企業。2013年本公司以
身作則訂定「內部禁止酒駕管理辦法」，嚴禁員工從事酒駕行為，「不酒後駕車」
的觀念已內化成為企業文化的一部份，員工於參加聚會、尾牙活動前會規劃飲酒後
的交通方式，於聚會中互相提醒酒後不開車，並落實「安全駕駛」制度，積極營造
「不勸開車人喝酒 不讓喝酒人開車」的企業氛圍。
2014年新安東京海上產險持續投入酒駕防制相關公益活動，例如舉辦多場3D模擬
酒醉眼鏡體驗活動，邀請民眾戴上模擬酒測值達1.2及1.7的3D眼鏡，進入迷宮親身
感受喝醉後可能遇到的危險狀況，藉此提醒民眾關心酒後駕車的危險性。另聯合各
界專業人士，在臺灣銀行設立第一個以防制酒駕為目的的公益信託基金，並共同成
立台灣酒駕防制社會關懷協會，為酒駕防制盡一份心力。
為號召更多企業加入推廣防制酒駕的行列，新安東京海上整合車險理賠及道路交通
安全的專業，領先業界共舉辦30場「交通安全企業宣導講座」，由專業理賠人員擔
任交通安全講師，向企業主管及員工宣導交通安全及防制酒駕的重要性，號召企業
團體「將防制酒駕納入企業管理規範」，企盼各企業團體共襄盛舉。
未來，新安東京海上將持續投入各類防制酒駕推廣的工作，並聯合企業及社福團體
等向政府機關提出建言，希望透過政府機關的帶領，促使所有民間企業將防制酒駕
納入企業管理規範。「防制酒駕，從企業做起」，相信必能發揮更大的影響力，給
社會大眾一個安心的生活環境。
持續深耕社區關懷社會公益
9 10
新安東京海上產險 一〇三年 年報
營運報告營運報告
營運報告
本公司2014年直接簽單保費為101.7億元，較2013年成長10.8%；市場佔有率為
7.7%，較2013年7.4%上升0.3個百分點，市場排名維持第五名。2014年本公司持續
以穩健成長之經營策略，拓展多元化銷售通路、均衡險種業務發展、提升客戶服務
總經理 簡仲明
15%
10%
5%
0%
-5%
-10%2010 2011 2012 2013 2014
新安東京海上產險成長率
市場成長率
0
20,000
60,000
40,000
2010
10,174
131,558
7,728
105,146
8,264 8,606
112,405119,833
9,184
124,229
2011 2012 2013 2014
80,000
100,000
120,000
140,000
新安東京海上產險簽單保費
單位：新台幣佰萬
市場簽單保費
品質，繳出了亮眼的成績單，全年度汽車保險、火災保險、海上保險、新種保險及
傷害暨健康險皆為正成長，整體業績也創下了歷史新高。
2014年本公司自留保費為86.6億元，淨自留保險賠款為48.0億元，自留滿期損失率
58.3%，稅後淨利為8.4億元，稅後每股盈餘為2.80元，截至2014年12月31日之資
產總額為184.4億元。各險種經營概況分述如下：
2014年全市場汽車保險簽單保費為734.2億元，較2013年成長8.9%。本公司在持續
建構多元化通路，及以客戶需求為導向，提供差異化服務及商品之策略下，2014全
年簽單保費為73.1億元，成長12.4%。
本公司2014年任意汽車保險自留保費為63.6億元，淨自留保險賠款為33.4億元，
2014年自留滿期損失率為56.0%，維持長期以來穩定的損失率水準。
2015年汽車保險市場預期將延續2014年車市景氣復甦所帶來之成長趨勢，本公司將
秉持一貫經營理念，鞏固既有通路、致力開拓多元銷售通路、並持續規劃及落實服務
差異化，期許在已建構的市場競爭利基上，不斷地提升經營效益及客戶滿意度。
2014年全市場火災保險簽單保費236.9億元，較2013年正成長4.3%，本公司全年簽火災保險
汽車保險
0 0%
5%
10%
15%
20%
25%
30%
40%
1,000
3,000
2,000
20142010 2011 2012 2013
4,000
5,000
6,000
7,000 單位：新台幣佰萬
車險簽單保費及成長率
7,312
5,1585,676
5,9876,504
982
0%
5%
-5%
-10%
10%
15%
20%
30%
20142010 2011 2012 2013
0
200
-200
-400
600
400
800
1,000
火災保險簽單保費及成長率
1,016848 889 945
單位：新台幣佰萬
2014年7月31日凌晨高雄發生氣爆事件，新安東京海上在第一時間組成「重大災
害緊急服務小組」，啟動通報系統、保戶關懷與快速理賠機制，由同仁去電或親
自登門拜訪客戶，以確認其安危，並派員至現場關懷受傷民眾，由專人常駐高雄
災害應變中心-產險業聯合服務中心，提供理賠、諮詢服務。
為響應政府推動酒後代駕服務，促進社會交通安全，並完善相關配套機制，協助
代駕業者轉嫁風險，本公司推出代理駕駛業責任保險，保障範圍涵蓋代駕業者及
其司機因執行代理駕駛服務期間所發生的車輛碰撞事故，導致的乘客或車外第三
人傷亡或財物損失，幫助業者轉移風險，希望能藉此平衡代駕服務的收費標準，
以提高服務的普遍度，降低酒駕事件的發生。
由於機車發生交通事故的風險遠比其它交通工具來得高，且強制險的保障範圍有
限，本公司特別針對機車騎士推出「好騎全機車險專案」，專案內容包括「機車
強制責任保險」、「機車第三人責任綜合保險」、「機車駕駛人傷害保險」與「
機車乘客責任保險」四項商品，客戶可透過網路輕鬆選擇屬於自己的投保方案，
即使是「機車駕駛人傷害保險」亦可以單獨投保，更加提升機車車主的保障。
台灣仰賴對外出口貿易比率高，企業所要面對的應收帳款風險也跟著攀升，然如可
事先透過保險機制減少壞帳風險，將可使企業無後顧之憂，全力拓展業務。本公司
取得具全球競爭力的貿易信用保險公司Euler Hermes的支持，承辦貿易信用保險，
承保因信用交易所產生之應收帳款風險，協助企業事先評估買方狀況，一旦遇有應
收帳款損失，本公司將依保險契約給付賠款，且因與客戶交易無需採用信用狀或其
他抵押交易，將可降低交易成本進而提高產品競爭力，創造更高的獲利。
商品多元保障客戶安心信賴
5 6
新安東京海上產險 一〇三年 年報
社會責任經營特色
社會責任
重視人才培育落實健康職場
在穩健經營的策略下，新安東京海上持續朝向「成為專業且貼心的最佳產險公司」
的願景而努力，提供全方位的商品與差異化服務，滿足客戶的需求；在此同時仍不
忘積極實踐企業社會責任，持續關懷員工、社區鄰里和社會弱勢等，基於回饋社會
的理念，履行企業公民應負擔的義務，並藉此提升競爭優勢，以達到永續經營的最
終目標。
人才培育關係著公司的長期競爭力。新安東京海上產險透過職內訓練、職外訓練及
自我啟發等三大訓練體系，搭配績效考核、適當的晉升與獎勵制度，激勵員工自我
突破，提升個人工作績效並建構公司競爭優勢。本公司依專業人員訓練藍圖進行各
項人才訓練計畫，例如新進人員引導訓練、新人訓練、核保及理賠專業訓練、營業
人員訓練等，俾使同仁於不同階段習得應有之專業能力。在主管訓練方面，辦理基
層主管「指導」職能訓練，使主管學習對部屬提供及時的回饋及指導之技能，以提
升部門績效。此外，每年積極派員參與國外保險機構主辦之研習活動，並定期遴選
績優員工至海外實習，以提升員工的國際視野及專業能力。
隨著飲食西化和生活習慣改變，心血管疾病及代謝症候群已成為上班族發生率較高
的疾病，本公司每年舉辦員工身體健康檢查，特別將心血管疾病及代謝症候群列為
檢查範圍，由專業人員於健康檢查報告外，另提供症狀分析報告，協助同仁自我健
康管理或安排就醫，達到及早發現，及早治療的目的。另本公司聘任具有合格執照
的護理師，每週定期於總公司提供駐點衛教及血壓、體溫量測服務等；同時與臺安醫
院合作，每季安排家醫科醫師於總公司提供現場與電話遠端醫療諮詢服務，及舉辦健
康知識講座，藉此提供員工正確的健康觀念，提醒員工重視自己和家人的健康。
保障風險
保險標的：應收帳款要保人、被保險人：賣方(出口商)
買方：國內外之客戶
信用控管貿易信用保險放帳交易 (與買家約定的還款期限)
例：月結60 ~ 120 days
職內訓練
職外訓練
自我啟發
新人訓練
專業訓練
派外訓練(國內)
派外訓練(國外)
職能訓練
專案訓練
各單位依需求不定期自行實施
協助新進人員了解公司經營理念及產險業環境
核心、專業及管理職能訓練
內部講師培育課程、服務致勝培訓課程等
營業訓練、核保理賠訓練等
參與產險公會、保發中心、核保學會等專業訓練機構課程等
國外考察、進修課程、工作歷練專案
透過內部知識庫與參考書籍等管道自我進修
訓 練 類 別 說 明
營運報告11 12
新安東京海上產險 一〇三年 年報
營運報告
險簽單保費為79.7億元，正成長4.5%；其他險簽單保費為22.8億元，正成長7.2%。
本公司2014年新種保險簽單保費為8.9億元，較2013年成長11.8%，工程險簽單保
費為2.5億元，成長率為34.0%；責任險簽單保費為3.1億元，成長6.5%；其他險簽
單保費為3.2億元，正成長3.2%。2014年新種保險自留保費為3.2億元，淨自留保險
賠款為1.3億元，自留滿期損失率39.8%。
展望2015年，預期工程險低費率的經營環境短期間內難有改變，基於穩健經營之核
保策略，除加強風險評估予以篩選外，將持續開發中小型良質業務。責任險及其他
險方面則以穩定合理保費水準、鞏固續保業務以及推動貿易信用險為努力方向。
2014年全市場傷害暨健康保險簽單保費為157.8億元，較2013年成長5.4%，本公司
簽單保費為6.2億元，成長5.7%。
本公司2014年自留保費為6.1億元，淨自留保險賠款為2.9億元，自留滿期損失率在持
續執行業務篩選及鞏固良質通路業務等措施下，由2013年的49.4%下降至48.8%。
由於業務品質管控措施已逐漸產生成效，2015年本公司仍將秉持此一策略，透過銷
售支援、差異商品及服務等計畫的推動，強化與優質保經代及銀行通路的合作，以
順利達成2015年度經營目標。
在穩健經營的策略下，2014年本公司業務與營運績效達成預定之目標，除了保險本
業有穩定表現，資金運用方面也有不錯成績。本公司投資政策所遵循的原則，為符
合法令規定並在可接受的風險程度內，獲取長期穩定的收益；在此原則之下，
2014年本公司資金運用收益為3.3億元，亦為近年最佳的成果。
另外，本公司的經營成果亦得到專業機構的認同， 2015年1月國際信用評等機構美
國標準普爾(S&P's)將本公司信評等級維持「A+」，為目前業界最高且唯一獲得「
傷害暨健康保險
挑戰自我再創佳績
0%5%
-5%-10%
10%15%20%25%30%35%40%
50%
60%55%
45%
65%622
549579 554
588
20142010 2011 2012 2013
0
100
-100
200
300
400
500
600單位：新台幣佰萬
傷害暨健康保險簽單保費及成長率
單保費為10.2億元，成長3.5%。本公司持續強化同仁專業能力，提供客戶損害防阻及
財產保障規劃等優質服務，以提高自身的競爭優勢。2014年自留保費為3.6億元，淨
自留保險賠款為 1.3億元，自留滿期損失率33.1%。
2015年商業火險市場預期仍趨於價格競爭，市場規模難有明顯成長，本公司在兼顧
風險管理與費率適足的前提下，將持續培養專業人員，建構服務的競爭優勢以爭取
業務的穩健成長。
2014年全市場海上保險簽單保費為82.0億元，負成長2.1%，主因係費率競爭而造
成市場保費下滑，本公司全年海上保險簽單保費為3.4億元，正成長6.2%。本公司
2014年自留保費為1.3億元，淨自留保險賠款為0.7億元，自留滿期損失率53.1%。
展望2015年，海上保險市場預期持平或微幅成長，本公司業務拓展方向仍持續以貨
物運輸險之良質業務為主，其他險種則考量風險後審慎篩選業務，以「質量並重」
的策略確保達成年度營運目標。
新種保險2014年全市場簽單保費為141.7億元，與2013年大致相當，其中工程險簽
單保費39.2億元，負成長10.9%，主要原因為市場費率下滑、大型案件減少；責任
海上保險
新種保險
337
393 384344 318
0%5%
10%15%20%25%30%
40%35%
-5%-10%
-20%-15%
0
100
-100
-200
200
300
400
20142010 2011 2012 2013
單位：新台幣佰萬
海上保險簽單保費及成長率
886
780736
777 793
20142010 2011 2012 2013
0%5%
-5%-10%
10%15%20%25%30%
40%35%
0100
-100-200
300200
400500600700800
單位：新台幣佰萬
新種保險簽單保費及成長率
15 16
新安東京海上產險 一〇三年 年報 TOKIO MARINE NEWA INS. Annual Report 2014
監察人審查報告書 / Supervisors’ Report 會計師查核報告 / Independent Auditors’ Report
會計師查核報告
Chairman
The global economy showed a mild trend of recovery driven by the United States in 2014,
but there were still some worries such as emerging markets’ (China’s, ASEAN countries’,
etc.) slower growth, European countries’ heavy debt and high unemployment issues, and
the zero percent (around) growth issue of Japan real GDP. Fortunately there has been a
higher growth in export and domestic market in Taiwan, which also brought up the entire
economy. According to statistics announced by Directorate General of Budget,
Accounting and Statistics (DGBAS) of Executive Yuan, real GDP of Taiwan in 2014 was
3.74%, increased by 1.5% comparing to 2013.
A growth in motor insurance business, which was benefitted from a record high sale in new
vehicle market since 2006, brought direct written premium of non-life insurance market in
2014 to increase by 5.9% to NT$131.56 billion. Direct written premium of TMNewa reached
a historical high of NT$10.17 billion, 10.8% better than that of 2013. This fabulous result was
accomplished by all our employees consolidating our core values of B. E. S. T. in everyday
business practice, building long-term competitiveness in areas such as service quality,
underwriting and claims, and therefore to attain clients’ support and business growth.
According to our enterprise mission of “to build a safe environment for the society” and
based on our “sustainable development” philosophy, TMNewa constantly introduces
feature products and differentiated services to meet customers’ needs, protects
shareholders’ and policyholders’ rights by managing the company orderly, and maintains
good relationship with our employees. As for CSR, aiming to cultivate the community and
to show our care about the society, we have been involving in the neighborhood
community events and allocating resources to prevent drink driving. By publishing our first
“CSR Report” in 2014, we have shown the effort to achieve sustainable development and
further more to motivate ourselves to keep walking on the right way.
Looking forward to 2015, world economy growth has been optimistically expected by
international institutions and therefore the recovery of global trade should bring up the
trade volume of Taiwan. Directorate General of Budget, Accounting and Statistics (DGBAS)
of Executive Yuan estimated our economy growth rate to achieve four year high to 3.78%
in 2015, and the non-life insurance market would grow with the economy as a whole. For
the coming year, we will keep improving our efficiency and professionalism for better
performance through flexible business strategies, and providing better products and
services to our shareholders, clients and the society.
Message from the Chairman
Message from the Chairman33 34
Annual Report 2014TOKIO MARINE NEWA INSURANCE
Message from the Chairman
43 44
TOKIO MARINE NEWA INSURANCE Annual Report 2014
Business Report
Direct written premium in 2014 was NT$10.17 billion, 10.8% higher than that in
2013. Market share was 7.7%, 0.3% higher than the 7.4% in 2013, and market rank
stayed at the 5th. . Under our business strategy of stable growth, the result in 2014
was fabulous since we had diversified distribution channels, balanced business
Business Report
President Jeremy J.M. Kan
2010 2011 2012 2013 2014
TMNewa Growth Ratio
Market Growth Ratio
TMNewa DWP
Unit：NT$ Million
Market DWP
15%
10%
5%
0%
-5%
0
20,000
60,000
40,000
2010
10,174
131,558
7,728
105,146
8,264 8,606
112,405119,833
9,184
124,229
2011 2012 2013 2014
80,000
100,000
120,000
140,000
Motor insurance
Fire insurance
structure and improved service quality. All of motor insurance, fire insurance,
marine insurance, miscellaneous insurance and accident & health insurance grew
positively, and the performance was historical high.
For the year of 2014, net retained premium was NT$8.66 billion, the net incurred
loss was NT$4.80 billion, the loss ratio by net earned premium was 58.3%, the net
profit after tax was NT$840 million, the earnings per share after tax was NT$2.80,
and the total assets was NT$18.44 billion. Details of every business line will be
explained below.
Direct written premium of motor insurance market as a whole in 2014 was
NT$73.42 billion, 8.9% increase comparing to 2013. TMNewa achieved a growth
rate of 12.4% to NT$7.31 billion in 2014 since we continuously diversified
distribution channels and provided differentiated products and services to meet
customers’ needs.
Net retained premium in 2014 of voluntary motor insurance was NT$6.36 billion,
net incurred loss was NT$3.34 billion, and loss ratio by net earned premium
stayed stable at 56.0%.
Motor insurance market in 2015 is expected to stay positive with the recovery of
vehicle sales. TMNewa will keep developing new channels while maintaining the
existing ones, and making continuous effort on exploring and strengthening our
differentiated services. We aim to improve business efficiency and customer
satisfaction on the basis of constructed market competitiveness.
Direct written premium of fire insurance market in 2014 was NT$23.69 billion, 4.3%
higher than that in 2013, while TMNewa reached NT$1.02 billion and 3.5% growth
rate. Aiming to explore more of our competitiveness, TMNewa continued to
Unit：NT$ Million
Motor Insurance DWP &Growth Ratio
0 0%
5%
10%
15%
20%
25%
30%
40%
1,000
3,000
2,000
20142010 2011 2012 2013
4,000
5,000
6,000
7,000 7,312
5,1585,676
5,9876,504
Business Report
Business Report45 46
TOKIO MARINE NEWA INSURANCE Annual Report 2014
strengthen professionalism of our employees, and to provide clients with advices
for loss prevention and plans for asset protection. The Company’s net retained
premiums in 2014 was NT$360 million, net incurred loss was NT$130 million, and
loss ratio by net earned premium was 33.1%.
Commercial fire insurance market in 2015 is still expected to be price-
competitive, and therefore the market may not expand much. TMNewa will
continue to train employees and improve our service competitiveness for stable
business growth while monitoring closely on risk management and rate adequacy.
Direct written premium of marine insurance market in 2014 deteriorated by 2.1%
to NT$8.2 billion caused by rate competition, whilst TMNewa faced a positive
6.2% growth to reach a direct written premium of NT$337 million. Net retained
premium was NT$130 million, net incurred loss was NT$70 million, and the loss
ratio by net earned premium was 53.1%.
Marine insurance market is expected to stay flat or grow slightly in 2015. TMNewa
will still focus on profitable cargo insurance, and choose any others after assessing
Marine insurance
Unit：NT$ Million
Marine Insurance DWP &Growth Ratio
Unit：NT$ Million
Fire Insurance DWP &Growth Ratio
982
0%
5%
-5%
-10%
10%
15%
20%
30%
20142010 2011 2012 2013
0
200
-200
-400
600
400
800
1,000 1,016848 889 945
337
393 384344 318
0%5%
10%15%20%25%30%
40%35%
-5%-10%
-20%-15%
0
100
-100
-200
200
300
400
2014 2010 2011 2012 2013
risk factors, making sure the annual budget can be achieved with a healthy
balance between sales performance and quality.
Direct written premium of miscellaneous insurance market in 2014 stayed the
same at NT$14.17 billion. Among which engineering insurance decreased by
10.9% to NT$3.92 billion due to lower market rates and less big cases, liability
insurance increased by 4.5% to NT$7.97 billion, and other insurance business
increased by 7.2% to NT$2.28 billion.
Miscellaneous insurance premium of TMNew in 2014 grew 11.8% to NT$886
million. Engineering insurance grew 34.0% to NT$254 million. Liability insurance
grew 6.5% to NT$314 million, and others grew 3.2% to NT$318 million. Net
retained premium was NT$320 million, net incurred loss was NT$130 million, and
loss ratio by net earned premium was 39.8%.
In 2015, the low-rate engineering insurance market environment is not expected
to improve in a short term, therefore based on our stable underwriting policies,
we will focus on risk assessment while continuing to explore small to middle sized
business. As for liability and other insurance, we will focus on stabilizing rates at a
reasonable level, securing renewal business and working more on trade credit
insurance.
Direct written premium of accident & health insurance market in 2014 grew by
5.4% to NT$15.78 billion, and ours grew by 5.7% to NT$622 million comparing to
that of 2013.
The company’s net retained premium was NT$610 million, net incurred loss was
NT$290 million, and the net loss ratio by net earned premium improved from
49.4% in 2013 to 48.8% in 2014 since we continued to assess risk level of business
Miscellaneous insurance
Accident andHealth insurance
Business Report
Unit：NT$ Million
Miscellaneous InsuranceDWP & Growth Ratio
886
780736
777 793
20142010 2011 2012 2013
0%5%
-5%-10%
10%15%20%25%30%
40%35%
0100
-100-200
300200
400500600700800
Complete lines ofproducts to
earn customers’ trust
percentage reached 55.17%. We also offer legal consultation service for
serious injured clients. Our professional claims staffs also help clients solve
complicated lawsuits and make sure their rights to be protected by providing
advices about damages payment and legal procedure especially during the
rush hours, our call center staffs remain at their posts and provide all the
services clients need.
For the gas explosion happened in Kaohsiung on July 31, 2014, TMNewa
immediately formed “Emergency Service Team” to initiate reporting
mechanism, client support system and fast claim payment scheme. Our staffs
went to the site to make sure our clients were safe, and also to help people in
need. Our Emergency Service Team staffs were also stationed at the Non-Life
Insurance Service Center to provide claim and consultation services.
In order to promote substitute driver service to decrease the drink driving
behavior, we introduced “Substitute Driver Liability Insurance” covering
property damage or injury / death of passengers or third party, hoping to
transfer the risk away from the substitute drivers and/or their companies so
that the substitute driver service will be provided more commonly and cheaply.
Since the accident risk for motorcycles is higher than other means of
transportationand the cover for compulsory insurance is limited, we
introduced a package of motorcycle insurance consisting of “ Compulsory
Motorcycle Liability Insurance”, “Third Party Comprehensive Liability
Insurance”, Motorcyclist’s Personal Accident Insurance” and “Motorcycle
Passenger Liability Insurance”. Customers can choose one or more protections
according to their needs by just one click.
Since Taiwan highly relies on exports, trading companies face higher account
receivables risk than others. To help companies lower their bad debts risk, with
support from Euler Hermes, one of the most competitive trade credit insurers,
we undertakes account receivables risk occurred with credit trading, help
companies evaluate their trade partners. Once suffered a loss in account
receivables, we will pay for the damages. This insurance allows trades without
letter of credit or pledges therefore trading cost can be decreased and
competitiveness and profits can be increased for trading companies.
37 38
TOKIO MARINE NEWA INSURANCE Annual Report 2014
Company Advantages Company Advantages
Risk Coverage
Insurance subject: Accounts ReceivableApplicant, Insured:Seller (Exporter)
Buyer: Domestic / Export
Credit ManagementTrade Credit InsuranceOpen Account 60 ~ 120 days
39 40
TOKIO MARINE NEWA INSURANCE Annual Report 2014
CSR CSR
every week to the head office to take blood pressure and temperature for
employees. We also arranged doctors from Taiwan Adventist Hospital to provide
medical consultation every three months.
In order to encourage employees to do quality leisure activities, to create a good
balance between work and life and therefore, to effectively improve working
efficiency, we held company trips and subsidized community activities to help
good communication within employees and maintain healthy labor relationship. In
2014, we subsidized 53 employee trips that more than 90% of our staffs attended.
Also more than 80% of employees joined the community activities. We held
outdoor activities on Family Day to invite families of all our employees, aiming to
blend company and family into a harmonic relationship.
TMNewa has been devoting to social services to feed back to the society. We have
been recruiting people in the headquarter office to provide traffic directing service
for children in Zhong Zheng Elementary School for 10 years. To help Zhong Zheng
Elementary School which has a long history, to renovate their equipment and find
Keep Stepping intoCommunity, and
Caring for Social Service
With a stable management strategy, we are always working for being a best and
professional general insurance company with satisfied service quality, whilst
aggressively fulfilling CSR. Constantly caring for employees, community
neighborhood, and vulnerable groups, we aim to feedback to the society by
fulfilling our corporate responsibility and therefore improve our competitiveness to
eventually achieve the ultimate goal of business sustainability.
Quality of human resource leads to a company’s long-term competitiveness.
Aiming to help employees to learn what they need for jobs at different stage, we
have every kind of professional training courses such as introduction and
educational program for new coming staffs, trainings on underwriting, claims and
sales techniques. Training for supervisors helps managers to provide prompt
feedback and instruction to the staffs when needed, and therefore the department
performance will be improved. Other than that, we aggressively send people to
attend overseas seminars held by foreign insurance institutes, and elect staffs with
good performance to work as trainees in our overseas group companies to
promote their international vision and professional level. Through on-the-job
training, off-the-job training and self-inspiration, with performance evaluation and
proper motivation schemes to encourage employees to go beyond themselves, to
improve job performance and therefore to construct company competitiveness.
Employees with good health will be the most valuable assets to the company. We
hold health checkup for employees every year, and keep their health records to
help them trace back and manage. Since 2013, we hired registered nurses to come
CSR
Emphasis on HRDevelopment, and Build
Healthy Working Environment
On job training
Off job training
Self-study
Junior employees’ training
Professional training
External training (Domestic)
External training (Foreign)
Competency training
Project training
Irregularly Trainings depend on job requirements.
To establish the basic knowledge about corporate philosophy and No-life insurance market environment.
To enhance Core, professional and management competencies.
Include courses to raise internal trainer, to enhance service, etc.
To enhance professional skills, include but not limited to selling, underwritingand claim services.
Courses, seminars or workshops held in domestic institutions.
Investigation tours, courses, seminars or workshops held in foreign countries.
Self-study through internal knowledge management system and other books.
Trainings Description
Annual Report 2014
41 42
TOKIO MARINE NEWA INSURANCE
CSR CSR
their school features, TMNewa cooperated with them to form a “Feature
Development Plan”, starting with curriculum, environment, activities and study,
hoping to establish art and culture concept for the children.
We joined “Love to Read” event held by State Library in Tainan for the two
consecutive years. Volunteers from TMNewa helped school children in remote
areas in Tainan to read more books during their morning session, wishing to
enhance their interest for reading and therefore to improve their reading ability.
Drink Driving has been the main cause for car accidents, and bringing great loss in
life and property. To urge the society to face the drink driving problem and realize
the possible damage it could bring, TMNewa became the first non-alcohol
merchandise to advocate on the concept of “No Drink Driving” since 2012. We
have established rules within the company in 2013 to prevent any drink driving
behavior of employees, and since then the no drink driving has become the
corporate culture. Co-workers remind each other not to drink drive in any events or
parties and also plan for transportation before hand. We aim to build a company
atmosphere that not to encourage drinking and not allow drink driving.
We have held related events in 2014. For example, we held activities simulating
what a person may see when he or she drinks up to 1.2 and 1.7 blood alcohol level
by putting on a 3D glasses to help people realize and remind them all the possible
dangers they may face with drink driving. We were the first one to establish a
charitable trust helping prevent drink driving in Bank of Taiwan. Aiming to
contribute more in the area of preventing drink driving, we also gathered many
sectors of the society to form a Taiwan Anti Drink Driving Association.
In order to urge more companies to join us, we were the first to hold 30 “Safe Traffic
Seminars” for enterprises hosted by our claim staffs to promote the importance of
drive safely and no drink driving, hoping attended companies to establish rules on
no drink driving to protect their employees.
In the future, TMNewa will keep advocating for preventing drink driving, and will
call for more enterprises and associations to establish their own “not to drink
drive” rules within the organizations, hoping to turn the society into a better and
safer place to live, starting from the company ourselves.
公司組織圖Organization
資料基準日Date as of：2015/04/01
新安東京海上產險 一〇三年 年報
公司組織圖 Organization21 22
TOKIO MARINE NEWA INS. Annual Report 2014
Shareholders股東會
Chairman董事長
ViceChairman
副董事長
President總經理
Board of Directors
董事會
Supervisors監察人
Back OfficeSuppor t System
後勤體系
Chief ComplianceOfficer
總機構法令遵循主管
Investment投資
Resource Management Group資源管理群
MIS/Administration Group資訊總務管理群
Corporate Planning & Management Group綜合企劃管理群
A&H Insurance傷害暨健康保險
Personal Lines Group個人保險商品群
Commercial Lines Group企業體保險商品群
Business Development營業發展
Special Assistant to the President總經理特助
Taipei Production Region I北一區營業轄區
Taipei Production Region II北二區營業轄區
Taoyuan/Hsinchu/Miaoli Production Region桃竹苗區營業轄區
Taichung/Changhua/Nantou Production Region中彰投區營業轄區
Yunlin/Chiayi/Tainan Production Region雲嘉南區營業轄區
Kaohsiung/Fengshan/Pingtung Production Region高鳳屏區營業轄區
Japanese Business Production日系營業
Investment Dept.投資部
Customer Service Center客服中心
Reinsurance Dept.再保暨商品支援部
Business Development Dept.營業發展部
A&H Insurance Dept.傷害暨健康保險部
Human Resource Dept.人力資源部
Finance and Accounting Dept.財務部
MIS Dept.資訊部
Administration Dept.總務部
Legal Affairs Dept.法務室
Compliance Dept.法令遵循部
Personal Lines Dept.個人保險部
Motor Claims Dept.汽車險理賠部
Actuarial Dept.精算部
Risk Management Dept.風險管理部
Corporate Planning Dept.企劃部
Banqiao Production Dept.板橋營業部
New Taipei City Production Dept.新北營業部
New Taipei City Production Service Dept.新北營業服務部
Tainan Production Dept.台南營業部
Chiayi Production Dept.嘉義營業部
Tainan Production Service Dept.台南營業服務部
Fire Insurance Dept.火災保險部
Miscellaneous Insurance Dept.新種險保險部
Marine Insurance Dept.海上保險部
Trade Credit Insurance Production Dept.貿易信用保險營業部
Taipei Production Dept. I台北營業一部
Taipei Production Dept. II台北營業二部
Neihu Production Dept.內湖營業部
Taipei Production Service Dept.台北營業服務部
Japanese Business Production Dept.日系營業部
Product System商品體系
ProductionSystem
銷售體系
Special Assistantto the President
總經理特助
Chief Audi tor總稽核
Audit ing Dept .稽核室
Risk ManagementCommittee
風險管理委員會
Taoyuan Production Dept.桃園營業部
Hsinchu Production Dept.新竹營業部
Zhongli Production Dept.中壢營業部
Taoyuan Production Service Dept.桃園營業服務部
Taichung Production Dept. I台中營業一部
Taichung Production Dept. II台中營業二部
Changhua Production Dept.彰化營業部
Taichung Production Service Dept.台中營業服務部
Kaohsiung Production Dept. I高雄營業一部
Kaohsiung Production Dept. III高雄營業三部
Pingtung Production Dept.屏東營業部
Kaohsiung Production Service Dept.高雄營業服務部
新安東京海上產險 一〇三年 年報
資產負債表 Balance Sheets17 18
TOKIO MARINE NEWA INS. Annual Report 2014
新安東京海上產物保險股份有限公司資 產 負 債 表
民國103年及102年12月31日
%現金及約當現金
應收款項
應收票據－淨額
應收保費－淨額
其他應收款－淨額
應收款項總計
當期所得稅資產
投 資
透過損益按公允價值衡量之金融資產
備供出售金融資產
以成本衡量之金融資產
無活絡市場之債券投資
持有至到期日金融資產
其他金融資產
投資性不動產
投資總計
再保險合約資產
應攤回再保賠款與給付－淨額
應收再保往來款項－淨額
分出未滿期保費準備
分出賠款準備
再保險合約資產總計
不動產及設備
無形資產
電腦軟體
遞延所得稅資產
其他資產
存出保證金
其他資產
其他資產總計
資產總計
$ 2,652,211,306
143,762,425
657,353,704
104,735,398
905,851,527
16,594,595
626,083,602
2,177,512,283
169,121,520
109,900,000
2,668,454,495
3,167,878,339
1,916,117,138
10,835,067,377
132,254,624
34,747,047
814,992,172
1,082,609,044
2,064,602,887
1,313,739,364
13,963,884
59,768,518
560,003,086
18,527,270
578,530,356
$ 18,440,329,814
$ 852,071,511
112,180,879
701,912,127
125,619,491
939,712,497
-
804,993,686
2,352,183,298
122,079,086
19,800,000
3,004,402,128
3,517,445,676
1,927,342,214
11,748,246,088
92,665,657
29,449,148
715,538,274
881,531,073
1,719,184,152
1,291,028,350
12,539,348
70,964,789
562,445,844
29,489,378
591,935,222
$ 17,225,681,957
5
1
4
1
6
-
5
14
1
-
17
20
11
68
1
-
4
5
10
8
-
-
3
-
3
100
%
董事長：陳忠鏗 經理人：簡仲明 會計主管：馬慈婉
單位：新台幣元
TOKIO MARINE NEWA INSURANCE CO., LTD.BALANCE SHEETS
CASH AND CASH EQUIVALENT
RECEIVABLES
Notes receivable, net
Premiums receivable, net
Other receivable, net
Total receivables
CURRENT TAX ASSETS
INVESTMENTS
Financial assets at fair value through profit or loss
Available-for-sale financial assets
Financial assets measured at cost
Bond investments with no active market
Held-to-maturity financial assets
Other financial assets
Investment properties
Total investments
REINSURANCE CONTRACT ASSET
Claim recoverable from reinsurers, net
Due from reinsurers and ceding companies, net
Reserve - ceded unearned premiums
Reserve - ceded claim
Total reinsurance contract asset
PROPERTY AND EQUIPMENT, NET
INTANGIBLE ASSETS
Computer software cost
DEFERRED INCOME TAX ASSETS
OTHER ASSETS
Refundable deposits
Other assets
Total other assets
TOTAL
In New Taiwan Dollars
2014/12/31 2013/12/31資 產 ASSETS 金 額AMOUNT金 額 AMOUNT
新安東京海上產物保險股份有限公司資 產 負 債 表
民國103年及102年12月31日
%應付款項
應付票據
應付保險賠款與給付
應付佣金及手續費
應付再保往來款項
其他應付款
應付款項總計
當期所得稅負債
透過損益按公允價值衡量之金融負債
保險負債
未滿期保費準備
賠款準備
特別準備
保費不足準備
保險負債總計
其他負債
存入保證金
營業損失準備
應計退休金負債
其他負債－其他
其他負債總計
負債準備
除役負債準備
遞延所得稅負債
負債總計
權 益
本公司業主之權益
股 本
普 通 股
資本公積
資本公積－合併溢額
保留盈餘
法定盈餘公積
特別盈餘公積
未分配盈餘
保留盈餘總計
其他權益
備供出售金融資產未實現損益
權益總計
負債及權益總計
$ 3,567,006
1,453,115
205,812,091
378,682,203
456,279,286
1,045,793,701
-
50,608,730
5,275,663,933
3,431,978,225
1,544,071,158
986,974
10,252,700,290
29,206,598
101,904,733
281,243,461
98,718,043
511,072,835
7,960,090
10,304,878
11,878,440,524
2,990,099,000
221,493,925
868,540,181
1,835,932,087
571,832,372
3,276,304,640
73,991,725
6,561,889,290
$ 18,440,329,814
-
-
1
2
3
6
-
-
28
19
8
-
55
-
1
1
1
3
-
-
64
16
1
5
10
3
18
1
36
100
$ 1,604,347
1,051,890
230,409,935
216,243,101
428,001,483
877,310,756
246,965,923
6,115,200
4,757,337,711
2,856,680,251
1,838,218,453
3,362,031
9,455,598,446
28,906,598
101,904,733
271,615,455
79,102,831
481,529,617
8,629,140
-
11,076,149,082
2,990,099,000
221,493,925
718,326,699
1,620,857,755
498,391,483
2,837,575,937
100,364,013
6,149,532,875
$ 17,225,681,957
-
-
1
1
3
5
1
-
28
16
11
-
55
-
1
2
-
3
-
-
64
17
1
4
10
3
17
1
36
100
%
單位：新台幣元
TOKIO MARINE NEWA INSURANCE CO., LTD.BALANCE SHEETS
PAYABLES
Notes payable
Claims payable
Commissions payable and fees
Due to reinsurers and ceding companies
Other payable
Total payables
CURRENT TAX LIABILITIES
FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS
INSURANCE LIABILITIES
Unearned premium reserves
Claim reserves
Special reserves
Premium deficiency reserves
Total insurance liabilities
OTHER LIABILITIES
Guarantee deposit received
Operating reserves
Accrued pension cost
Other liability
Total other liabilities
PROVISIONS
Dismantling obligation
DEFERRED INCOME TAX LIABILITIES
Total liabilities
EQUITY
Shareholder’s equity
Capital stock - 10 par value
Authorized - 600,000,000 shares, issued and outstanding - 299,009,900 shares
Capital surplus
Capital surplus from merger
Retained earnings
Legal reserve
Special reserve
Unappropriated earnings
Total retained earnings
Other equity
Unrealized gain (loss) on available-for-sale financial assets
Total equity
TOTAL
In New Taiwan Dollars
2014/12/31 2013/12/31負 債 及 權 益 LIABILITIES AND EQUITY 金 額 AMOUNT 金 額 AMOUNT
15
1
3
1
5
-
3
12
1
1
15
17
10
59
1
-
4
6
11
7
-
-
3
-
3
100
Printed in Taiwan
47 Business Report
TOKIO MARINE NEWA INSURANCE
聯絡資訊：
任何關於本年報的諮詢或建議，歡迎隨時洽詢：
新安東京海上產物保險股份有限公司 企劃部
地址：台北市中山區南京東路三段130號8-13樓
電話：(02) 8772-7777
官方網站：www.tmnewa.com.tw
and also to secure business from profitable channels.
Since the result of business quality control is eventually shown, TMNew will keep
adopting this strategy to achieve annual budget for 2015 via plans such as
support for sales, product and service differentiation, and cooperation with
trust-worthy broker/agent and bank channels.
With our stable business management strategy, we have achieved all the targets
established for business and performance. We showed a good result not only in our
core business, but also in our investment. Our strategy for investment is to target for
long-term stable return within acceptable and legally defined risk range. Our return
on investment amounted to NT$330 million to be the best result in recent years.
Professional institutes also recognized our performance. We are rated and
maintained at “A+” by Standard & Poor’s on January 2015, the highest and the only
company rated “A+” in the non-life insurance industry. It showed that objective
third parties have proved our excellent performance.
Looking forward to 2015, TMNewa will continue to challenge ourselves and to
strengthen competitiveness and execution ability, to become the best non-life
insurance company that all our employees, clients and shareholders are proud of.
Challenge Ourselves forAnother Peak
1.Source of market statistics: The Non-Life Insurance Association of the R.O.C.2.Source of statistics of various insurance types: The income statement by product lines of TMNewa.
Unit：NT$ Million
A & H Insurance DWP &Growth Ratio
0%5%
-5%-10%
10%15%20%25%30%35%40%
50%
60%55%
45%
65%622
549579 554
588
20142010 2011 2012 2013
0
100
-100
200
300
400
500
600
新安東京海上產險 一〇三年 年報 TOKIO MARINE NEWA INS. Annual Report 2014
綜合損益表 Statements of Comprehensive Income19 20
單位：新台幣元 In New Taiwan Dollars
PercentageIncrease
(Decrease)
新安東京海上產物保險股份有限公司綜合損益表
民國103年及102年1月1日至12月31日
%營業收入
自留滿期保費收入
簽單保費收入
再保費收入
保費收入
減：再保費支出
減：未滿期保費準備淨變動
自留滿期保費收入合計
再保佣金收入
手續費收入
淨投資損益
利息收入
兌換損益－投資
透過損益按公允價值衡量之金融資產及負債損益
備供出售金融資產之已實現損益
以成本衡量之金融資產及負債之已實現損益
無活絡市場之債券投資損益之已實現損益
其他淨投資損益
投資性不動產損益
金融資產減損損失
淨投資損益合計
其他營業收入
營業收入合計
營業成本
自留保險賠款與給付
保險賠款與給付
減：攤回再保賠款與給付
自留保險賠款與給付合計
保險負債淨變動
賠款準備淨變動
特別準備淨變動
保費不足準備淨變動
保險負債淨變動合計
佣金支出
其他營業成本
營業成本合計
營業毛利
營業費用
業務費用
管理費用
員工訓練費用
營業費用合計
營業利益
$ 10,173,924,421
497,724,296
10,671,648,717
2,014,724,336
418,872,324
8,238,052,057
240,077,267
12,098,212
143,341,996
70,676,126
( 58,141,695 )
127,761,772
-
394,237
-
44,852,205
-
328,884,641
1,189,243
8,820,301,420
5,139,635,732
709,734,911
4,429,900,821
374,220,003
( 294,147,295 )
( 2,375,057 )
77,697,651
1,375,594,387
69,505,850
5,952,698,709
2,867,602,711
1,624,629,146
235,897,616
9,468,221
1,869,994,983
997,607,728
115
6
121
23
5
93
3
-
2
1
(1)
1
-
-
-
1
-
4
-
100
58
8
50
4
(3)
-
1
16
1
68
32
18
3
-
21
11
$ 9,184,346,874
417,846,264
9,602,193,138
1,849,783,810
272,205,144
7,480,204,184
213,606,774
11,440,163
154,665,413
8,835,121
64,200,291
100,305,338
783,749
297,000
( 519,059 )
12,013,024
( 54,484,434 )
286,096,443
735,156
7,992,082,720
4,684,223,624
833,026,624
3,851,197,000
189,012,279
( 159,939,061 )
1,131,216
30,204,434
1,240,982,795
58,608,922
5,180,993,151
2,811,089,569
1,489,756,811
232,009,521
9,558,349
1,731,324,681
1,079,764,888
115
5
120
23
3
94
3
-
2
-
1
1
-
-
-
-
(1)
3
-
100
59
11
48
2
(2)
-
-
16
1
65
35
18
3
-
21
14
11
19
11
9
54
10
12
6
(7)
700
(191)
27
(100)
33
100
273
100
15
62
10
10
(15)
15
98
84
(310)
157
11
19
15
2
2
9
2
(1)
8
(8)
2014/12/31
金 額 %
2013/12/31變動百分比
%
TOKIO MARINE NEWA INSURANCE CO., LTD.STATEMENTS OF COMPREHENSIVE INCOME
OPERATING REVENUES
Retained earned premium
Direct insurance premium revenues
Reinsurance premium inward
Premium revenues
Less: Reinsurance premium outward
Less: Net change in unearned premium reserve
Retained earned premium
Reinsurance commission earned
Handling fee earned
Net gains on investments
Interest income
Foreign exchange gains (losses)
Gains on valuation of financial assets and liabilities at fair value through profit or loss
Realized gains on available-for-sale financial assets
Realized gains on financial assets measured at cost
Realized gains on bond investments with no active market
Others
Income from investment properties
Impairment loss on investment
Total net gains on investments
Other operating revenues
Total operating revenues
OPERATING COSTS
Retained claims
Claims incurred
Less: Claims recovered from reinsurers
Total retained claims
Movement of liability reserves
Net change in claims reserve
Net change in special reserve
Net change in premium deficiency reserve
Total net change in insurance liability
Commission expenses
Other operating cost
Total operating costs
GROSS MARGIN
OPERATING EXPENSES
Operating
Administrative
Training
Total operating expenses
OPERATING INCOME
AMOUNT金 額 AMOUNT
單位：新台幣元 In New Taiwan Dollars
PercentageIncrease
(Decrease)
%營業外收入及支出
處分固定資產利益(損失)
雜項收入
其他營業外收入及支出
營業外收入及支出合計
稅前淨利
所得稅費用
本年度淨利
其他綜合損益
備供出售金融資產之未實現評價(損失)利益
確定福利計畫精算損益
減：與其他綜合損益組成部分相關之所得稅
本年度其他綜合損益（稅後淨額）
本年度綜合損益總額
每股盈餘
基 本
稀 釋
94,403
14,840,870
( 4,343,223 )
10,592,050
$ 1,008,199,778
170,955,149
837,244,629
( 20,909,807 )
( 12,027,063 )
3,417,880
( 36,354,750 )
$ 800,889,879
$ 2.80
$ 2.79
-
-
-
-
11
2
9
-
-
-
-
9
( 2,431,857 )
13,626,787
( 937,048 )
10,257,882
$ 1,090,022,770
156,537,269
933,485,501
122,061,252
27,604,062
( 3,623,734 )
153,289,048
$ 1,086,774,549
$ 3.12
$ 3.11
-
-
-
-
14
2
12
2
-
-
2
14
104
9
364
3
(8)
9
(10)
(117)
(144)
194
(124)
(26)
2014/12/31
金 額 %
2013/12/31變動百分比
%
NONOPERATING INCOME AND EXPENSES
Gain (loss) on disposal of property and equipments
Other income
Other gains and losses
Total nonoperating income and expenses
INCOME BEFORE INCOME TAX
INCOME TAX
NET INCOME
OTHER COMPREHENSIVE INCOME
Unrealized (loss) gain on available-for-sale financial assets
Actuarial gains and losses on defined benefit plans
Income tax relating to the components of other comprehensive income
Other comprehensive income, net of income tax
TOTAL COMPREHENSIVE INCOME
EARNINGS PER SHARE
Basic
Diluted
AMOUNT金 額 AMOUNT
董事長：陳忠鏗 經理人：簡仲明 會計主管：馬慈婉
董事會及監察人 主要經理人ManagementBoard of Directors & Supervisors
新安東京海上產險 一〇三年 年報 TOKIO MARINE NEWA INS. Annual Report 2014
董事會及監察人 / Board of Directors & Supervisors 主要經理人 / Management23 24
董 事 長Chairman陳 忠 鏗Chung-Keng Chen
副 董 事 長Vice Chairman陳 潤 智Ren-Tze Chen
榮 譽 副 董 事 長Honorary Vice Chairman岡 田 誠Makoto Okada
榮 譽 副 董 事 長Honorary Vice Chairman吳 建 立Chien-Li Wu
Misao Shinohara篠 原 操
董 事Director 蔡 文 榮Wen-Rong Tsay
董 事Director 黃 得 超Te-Chao Huang
董 事Director
董 事Director 胡 開 昌Kai-Chang Hu
董 事Director 大 野 博 仁Hirohito Oono
董 事Director
董 事Director 陳 昭 文Chao-Wen Chen
董 事Director
藤 田 桂 子Keiko Fujita
下 田 健 司Kenji Shimoda
Shinya Tsukada塚 田 真 也
董 事Director 江 展 魁Chank-Kuei Chiang
董 事Director
監 察 人Supervisor
監 察 人Supervisor
監 察 人Supervisor
游 木 誠Mu-Cheng Yu
蕭 明 輝Ming-Huei Hsiao
石 垣 寬Kan Ishigaki
資料基準日Date as of：2015/04/01第六屆董監事任期至2017/05/13止
Jeremy J.M. Kan
總經理/兼任商品體系主管President/Acting Supervisor, Product System
簡 仲 明
Keiko Fujita
總經理特別助理/副總經理Special Assistant to the President/Senior Vice President
藤 田 桂 子
Han-Chiang Huang
銷售體系副總經理Senior Vice President,Production System
黃 漢 強Jessica Ma
後勤體系副總經理Senior Vice President,Back Office Support System
馬 慈 婉
Vico Lin
總稽核/副總經理Chief Auditor/Senior Vice President
林 裕 村Charles Chiang
總機構法令遵循主管/副總經理Chief Compliance Officer/Senior Vice President
江 忠 和
各部門主管Department Heads
新安東京海上產險 一〇三年 年報 TOKIO MARINE NEWA INS. Annual Report 2014
各部門主管 Department Heads27 28
稽 核 室Auditing Dept.
徐 盛 銅 經 理ManagerAlex Hsu
Senior Vice PresidentChar les Chiang
法 令 遵 循 部Compliance Dept.
江 忠 和 副總經理(兼)
Senior Vice PresidentChar les Chiang
法 務 室Legal Affairs Dept.
江 忠 和 副總經理(兼)
ManagerJeff Liu
客 服 中 心Customer Service Center
劉 秉 華 經 理
企 劃 部Corporate Planning Dept.
孫 蔚 雯 經 理ManagerBarbara Sun
ManagerJimmy Chi
Vice PresidetntAnthony Lu
ManagerJim Hu
風 險 管 理 部Risk Management Dept.
戚 宜 民 經 理
精 算 部Actuarial Dept.
呂 文 泉 協 理 ( 兼 )
總 務 部Administration Dept.
胡 更 義 經 理
黃 順 昌 經 理ManagerSteven Huang
ManagerLeon Li
Vice PresidentShu-Chang Lai
Vice PresidetntJimmy Tsai
李 立 文 經 理 賴 書 章 協 理 ( 兼 ) 蔡 志 明 協 理 ( 兼 )
資 訊 部MIS Dept.
財 務 部Finance and Accounting Dept.
人 力 資 源 部Human Resource Dept.
投 資 部Investment Dept.
ManagerAlice Wang
Senior ManagerSunny Tseng
王 昭 文 經 理 曾 鈺 蒨 資 深 經 理
海 上 保 險 部Marine Insurance Dept.
新 種 保 險 部Miscellaneous Insurance Dept.
火 災 保 險 部Fire Insurance Dept.
李 春 祥 資 深 經 理Senior ManagerRaymond Lee
ManagerVincent Kuo
貿易信用保險營業部Trade Credit Insurance Production Dept.
郭 駿 家 經 理
曾鈺蒨 資深經理( 兼 )
Senior ManagerSunny Tseng
戴 知 本 經 理ManagerChih-Ben Tai
Vice PresidetntHans Huang
黃 育 漢 協 理 ( 兼 )
ManagerVictor Hsu
ManagerMin-Ching Ho
ManagerFrank Lin
個 人 保 險 部Personal Lines Dept.
徐 顯 武 經 理
汽 車 險 理 賠 部Motor Claims Dept.
何 民 青 經 理
傷害暨健康保險部A&H Insurance Dept.
林 國 欽 經 理
再保暨商品支援部Reinsurance Dept.
日 系 營 業 部Japanese Business Production Dept.
營 業 發 展 部Business Development Dept.
新 北 營 業 服 務 部New Taipei City Production Service Dept.
林 群 泰 經 理ManagerTiger Lin
新 北 營 業 部New Taipei City Production Dept.
賴 聖 元 經 理ManagerRoger Lai
ManagerArball Tai
桃 園 營 業 部Taoyuan Production Dept.
戴 嶸 釗 經 理
金 仁 瑞 經 理ManagerJen-Jui Chin
ManagerChen-Kuo Lu
魯 振 國 經 理
王 信 雄 經 理ManagerHsin-Hsiung Wang
桃 園 營 業 服 務 部Taoyuan Production Service Dept.
台 中 營 業 一 部Taichung Production Dept.
莊 燦 塗 經 理ManagerTsan-Tu Chuang
新 竹 營 業 部Hsinchu Production Dept.
ManagerSam Yang
楊 永 山 經 理
中 壢 營 業 部Zhongli Production Dept.
台 北 營 業 一 部Taipei Production Dept.
李 廣 智 經 理ManagerLuke Lee
ManagerRay Lin
內 湖 營 業 部Neihu Production Dept.
林 瑞 揚 經 理ManagerChang-Chen Yu
俞 滄 振 經 理
台 北 營 業 服 務 部Taipei Production Service Dept.
彰 化 營 業 部Changhua Production Dept.
ManagerChang-Min Chen
陳 滄 敏 經 理
台 中 營 業 服 務 部Taichung Production Service Dept.
Senior ManagerYin-Chou Chen
陳 盈 州 資 深 經 理
台 南 營 業 部Tainan Production Dept.
高 雄 營 業 一 部Kaohsiung Production Dept.
鄧 政 信 經 理ManagerCheng-Hsin Teng
ManagerDennis Lin
高 雄 營 業 三 部Kaohsiung Production Dept.
林 文 志 經 理
嘉 義 營 業 部Chiayi Production Dept.
李 木 生 經 理ManagerScott Lee
ManagerShou-Yu Huang
台 南 營 業 服 務 部Tainan Production Service Dept.
黃 守 瑜 經 理
Senior ManagerYu-Chung Huang
高 雄 營 業 服 務 部Kaohsiung Production Service Dept.
黃 由 忠 資 深 經 理
屏 東 營 業 部Pingtung Production Dept.
陳 榮 治 經 理ManagerJong-Chih Chen 資料基準日Date as of：2015/04/01
魏 青 暉 經 理ManagerChing-Hui Wei
台 北 營 業 二 部Taipei Production Dept.
板 橋 營 業 部Banqiao Production Dept.
胡 金 成 資 深 經 理Senior ManagerChin-Chen Hu
楊 欽 堯 資 深 經 理Senior ManagerJack Yang
台 中 營 業 二 部Taichung Production Dept.
新安東京海上產險 一〇三年 年報 TOKIO MARINE NEWA INS. Annual Report 2014
主要經理人 Management25 26
資料基準日Date as of：2015/04/01
Gary Ho
協 理Vice President
何 明 坤Hsien-Ming Lee
協理Vice President
李 顯 明Li-Jen Lin
協理Vice President
林 立 仁
Roy Wang
協理Vice President
王 文 龍Lillian Tseng
協理Vice President
曾 淑 惠Winstone Wang
協理Vice President
王 文 昌
Hans Huang
協理Vice President
黃 育 漢Kenji Shimoda
協理Vice President
下 田 健 司
Jason Lin
協 理Vice President
林 榮 泰Ken San
協理Vice President
單 正 寰
Anthony Lu
協理Vice President
呂 文 泉Shu-Chang Lai
協理Vice President
賴 書 章
Jimmy Tsai
協理Vice President
蔡 志 明
Su-Chen Hu
協理Vice President
胡 素 禎
Jack Lee
總經理特別助理/協理Special Assistant to the President/Vice President
李 琦 益
新安東京海上於2010年由董事會通過制定公司治理守則，做為推動公司治理業務的
最高內部規範，並依此建置有效的公司治理架構。本公司由13位董事組成董事會，
對公司各項營運與風險管理負最終責任；另設置3位監察人，負責公司業務執行之
監督。為建立誠信經營的企業文化，於2014年通過制定「誠信經營守則」，積極
防範不誠信行為，以創造永續發展的經營環境。
為強化整體風險管理機制，本公司由董事長擔任風險管理委員會之召集人，負責督
導風險管理制度的執行狀況，另由董事會任命風控長，擔任風險管理最高主管，綜
理公司整體風險管理。本公司風險管理政策以「確保公司資本適足與清償能力，
落實風險與報酬之平衡性，以穩健達成經營目標」為宗旨，藉由建置個別風險管
理、緊急應變及整合性風險管理等三大風險管理機制，及領先業界的內控自評檢
核制度(CSA)，積極為股東及客戶的權益把關，使新安東京海上成為讓社會大眾
心安信賴的產險公司。
當客戶在面對交通事故時常伴隨著龐大的身心負擔，針對小額損失交通事故在當事人同
意下，可由理賠人員協助溝通並促成現場和解，讓原本平均達數月的理賠處理時間大幅
縮短，節省保戶的寶貴時間並減輕其心理壓力。2014年理賠現場和解之可執行和解件數
和解率達55.17%。針對重大體傷案件另提供法律諮詢服務，由專業人員提供保戶有關賠
償與訴訟程序等諮詢，協助保戶在面對繁雜的賠償和訴訟程序時，維護自身權益。
依統計數據顯示，本公司0800客戶服務專線在下午5點半至晚上9點之客戶進線
比率及幅度為中高峰期，為提升客戶接聽滿意度及服務品質，自2014年7月起，
由客服中心0800服務專線自主接聽之時段自下午5點半延長至晚上9點，在交通
事故發生頻率較高的下班尖峰時刻，由本公司經專業訓練的客服人員堅守崗位，
持續提供客戶最貼心專業的服務。
健全公司治理落實風管機制
服務迅速貼心重視品質提升
榮獲國際信用評等機構美國標準普爾公司授予信評等級維持為「A+」優良等級，同
時中華信用評等公司亦確認評等為「twAAA」，長期評等之評等展望為「穩定」。
推出「代理駕駛業責任保險」，期能協助代駕服務推展，降低酒駕事件的發生率。
購置內湖營業部及彰化營業部之新辦公室，提升員工辦公環境品質，展現在地深
耕經營的決心。
董事會決議通過陳潤智總經理退休案，並聘任原商品體系副總經理簡仲明先生擔
任本公司總經理。
股東常會改選第六屆董事及監察人，並召開臨時董事會推舉陳忠鏗先生續任董事
長，陳潤智先生擔任副董事長，吳建立先生擔任榮譽副董事長。
舉辦「貿易信用保險-值得開發的藍海」研討會，協助企業客戶瞭解貿易信用保險
的市場現況、商品功能與競爭優勢。
舉辦「心安盃公益籃球賽」，結合防制酒駕宣導與「3D模擬酒醉眼鏡闖關體驗」
活動，讓社會大眾更了解酒駕的危害。
與台北市中正國小攜手合作推行「特色發展計畫」，結合學校專業師資，培養學
童的藝術人文素養。
岡山通訊處遷址，提供客戶更便捷的服務環境。
推舉岡田誠董事擔任本公司第六屆董事會榮譽副董事長。
推出「真心安癌症健康保險」商品，讓罹癌者能在安心接受治療的同時兼顧家
計需求。
為延伸服務觸角，擴增營業據點，在台南市成立佳里通訊處，強化大台南地區的當
地經營。
1月
3月
4月
5月
6月
7月
9月
10月
大事紀 經營特色
經營特色3 4
新安東京海上產險 一〇三年 年報
大事紀
8月
Milestones
Good CorporateGovernance,
Solid Risk-Management
Fast Services withbetter quality
TMNewa keens on protecting all stakeholders’ benefits with a comprehensive
management system and effort to maintain outstanding performance. The Board
of Directors is formed by 13 directors and 3 supervisors to monitor the company’s
practice and to take final responsibility for all the business and risk management.
To build a corporate culture based on honest and trust, we established “Ethical
Corporate Management Best Practice Principles” in 2014 in order to prevent any
dishonest behavior and therefore to create a sustainable business environment.
To strengthen the risk management of the company, the chairman takes the duty to
call the risk management committee and to monitor the risk management system.
In addition, Board of Directors also assigns Chief Risk Officer to oversee the whole
risk management of the company. The object of our risk management policy is to
ensure the balance between capital adequacy and solvency, balance between risk
and return, to achieve business goal stably. We wish to become a reliable non-life
insurance company for our shareholders and clients by being the first in the
industry to establish a control self-assessment system (CSA) and three main risk
control systems namely individual risk control, emergency plan and integrated risk
management.
Knowing that clients often panic when facing traffic accidents, our claim staffs help
to negotiate both parties to settle on site to save clients’ time and shorten the
claim procedure that could last for months. In 2014, the settle-on-site
Company Advantages
Company Advantages
Annual Report 2014TOKIO MARINE NEWA INSURANCE
Rated “A+” by Standard & Poor’s, meanwhile rated “twAAA” and “Stable” for long-term outlook by Taiwan Ratings.
Introduced “Substitute Driver Liability Insurance”, hoping to encourage substitute driver system to prevent drink driving.
Acquired new offices of Neihu Production Dept. and Changhua Production Dept., showing our determination to improve office environment and to commit for the market.
The Board of Directors approved the retirement of President Ren-Tze Chen, and elected Senior Vice President Jeremy Kan to be new President.
The 6th directors and supervisors were elected at Shareholders Meeting. An interim Board Meeting was held to re-elect Chung-Keng Chen to be Chairman, Ren-Tzu Chen to be Vice Chairman, and Chien-Li Wu to be Honorary Vice Chairman. “Trade Credit Insurance – Blue Sea to Dive in” Seminar was held. Current situation of trade credit insurance market, products and competitiveness were discussed in details.
“TMNewa Charity Basketball Game” was held. Promotions and games combining 3D glasses simulating human eye’s vision when drunk helped people know more about danger of drink driving.
Cooperated with Zhong Zheng Elementary School for “Feature Development Plan” to help Zhong Zheng Elementary School become more characterized in art and culture aspects.
Move of Gangshan Liaison Office to a more visible location to provide more clients with convenient services.
Elected Makoto Okada to be Honorary Vice Chairman.
Launched new cancer insurance affording the insured to economically take care of their families while treating the disease once diagnosed.
Established Jiali Liaison Office to provide enhanced services to people in Tainan Area.
January
April
March
May
June
July
August
September
October
35 36Milestones
營業據點Headquarters & Branch Offices
TOKIO MARINE NEWA INS. Annual Report 2014
總 公 司Headquarters
10488台北市中山區南京東路三段130號8-13樓8-13F., No. 130, Sec. 3, Nanjing E. Rd., ZhongshanDistrict, Taipei City 10488Te l：(02) 8772-7777Fax：(02) 2776-5733
北 一 區 營 業 部Taipei City Production Dept.
10458台北市中山區松江路148號3樓3F., No. 148, Songjiang Rd., Zhongshan District,Taipei City 10458Te l：(02) 2536-3939Fax：(02) 2541-1818
新 北 分 公 司New Taipei City Branch Office
23444新北市永和區保生路1號23樓23F, No. 1, Baosheng Rd., Yonghe District,New Taipei City 23444Te l：(02) 2928-2277Fax：(02) 2923-2277
內 湖 營 業 部Neihu Production Dept.
11490台北市內湖區民權東路六段160號3樓3F., No. 160, Sec. 6, Minquan E. Rd., Neihu District,Taipei City 11490Te l：(02) 2794-5268Fax：(02) 2794-5289
桃 園 分 公 司Taoyuan Branch Office
33045桃園市桃園區中正路1071號12樓之112F-1, No. 1071, Zhongzheng Rd., Taoyuan District,Taoyuan City, 33045Te l：(03) 317-6671Fax：(03) 358-9821
士 林 通 訊 處Shilin Liaison Office
11167台北市士林區承德路四段237號2樓2F., No. 237, Sec. 4, Chengde Rd., Shilin District,Taipei City 11167Te l：(02) 2880-2318Fax：(02) 2881-5476
台 中 分 公 司Taichung Branch Office
40457台中市北區進化北路240號No.240, Jinhua N. Rd., Nor th District, Taichung City 40457Te l：(04) 2234-1399Fax：(04) 2234-1699
板 橋 營 業 部Banqiao Production Dept.
22063新北市板橋區中山路一段69號5樓5F., No.69, Sec. 1, Zhongshan Rd., Banqiao District,New Taipei City 22063Te l：(02) 2951-6339Fax：(02) 2951-6559
台 南 分 公 司Tainan Branch Office
71067台南市永康區中正南路30號16樓16F., No. 30, Zhongzheng S. Rd., Yongkang District,Tainan City 71067Te l：(06) 251-1212Fax：(06) 251-0202
新 店 通 訊 處Xindian Liaison Office
23144新北市新店區寶中路92號4樓4F., No. 92, Baozhong Rd., Xindian District,New Taipei City 23144Te l：(02) 8911-9539Fax：(02) 8911-8539
高 雄 分 公 司Kaohsiung Branch Office
81366高雄市左營區裕誠路394號7樓7F., No. 394, Yucheng Rd., Zuoying District,Kaohsiung City 81366Te l：(07) 558-7233Fax：(07) 558-7235
基 隆 通 訊 處Keelung Liaison Office
20145基隆市信義區信一路132號9樓之19F-1, No. 132, Xin 1st Rd., Xinyi District, Keelung City 20145Te l：(02) 2425-1929Fax：(02) 2425-3115
資料基準日Date as of：2015/04/01
Headquarters & Branch Offices29 30
新安東京海上產險 一〇三年 年報
營業據點
（內含新北營業部、新北營業服務部）
（內含桃園營業部、桃園營業服務部）
（內含台中營業一部、台中營業服務部）
（內含台北營業一部、台北營業二部及台北營業服務部）
（內含台南營業部、台南營業服務部）
（內含高雄營業一部、高雄營業服務部）
沙 鹿 通 訊 處Shalu Liaison Office
43349台中市沙鹿區三民路91號No. 91, Sanmin Rd., Shalu District, Taichung City 43349Te l：(04) 2663-2725Fax：(04) 2663-2697
新 莊 通 訊 處Xinzhuang Liaison Office
24249新北市新莊區中華路二段11號6樓6F., No. 11, Sec. 2, Zhonghua Rd., Xinzhuang District,New Taipei City 24249Te l：(02) 2276-2366Fax：(02) 2991-7658
中 壢 營 業 部Zhongli Production Dept.
32070桃園市中壢區環北路398號8樓之58F-5, No. 398, Huanbei Rd., Zhongli District,Taoyuan City 32070Te l：(03) 422-1578Fax：(03) 422-1528
草 屯 通 訊 處Caotun Liaison Office
54265南投縣草屯鎮成功路一段508號No. 508, Sec. 1, Chenggong Rd., Caotun Town,Nantou County 54265Te l：(049) 238-1797Fax：(049) 235-3579
新 竹 營 業 部Hsinchu Production Dept.
30054新竹市東大路二段110號6樓6F., No. 110, Sec. 2, Dongda Rd., Hsinchu City 30054Te l：(03) 533-2658Fax：(03) 533-2682
彰 化 營 業 部Changhua Production Dept.
50056彰化縣彰化市中華西路369號No. 369, Zhonghua W. Rd., Changhua City,Changhua County 50056Te l：(04) 761-9797Fax：(04) 761-6565
苗 栗 通 訊 處Miaoli Liaison Office
36045苗栗縣苗栗市國華路392號No. 392, Guohua Rd., Miaoli City, Miaoli County 36045Te l：(037) 262-611Fax：(037) 262-811
員 林 通 訊 處Yuanlin Liaison Office
51050彰化縣員林鎮大同路二段273號4樓4F., No. 273, Sec. 2, Datong Rd., Yuanlin Town,Changhua County 51050Te l：(04) 839-0198Fax：(04) 839-0199
台 中 營 業 二 部Taichung Production Dept.
41283台中市大里區永大街2號3樓3F., No. 2, Yongda St., Dali District, Taichung City 41283Te l：(04) 2407-1557Fax：(04) 2407-8509
斗 南 通 訊 處Dounan Liaison Office
63044雲林縣斗南鎮建國一路69號No. 69, Jianguo 1st Rd., Dounan Town, Yunlin County 63044Te l：(05) 595-3718Fax：(05) 595-3720
高 雄 營 業 三 部Kaohsiung Production Dept.
80661高雄市前鎮區民權二路8號17樓之117F-1, No. 8, Minquan 2nd Rd., Kaohsiung City 80661Te l：(07) 537-5511Fax：(07) 537-6311
佳 里 通 訊 處Jiali Liaison Office
72243台南市佳里區佳東路227號No.227, Jiadong Rd., Jiali District, Tainan City 72243Te l：(06) 721-2123Fax：(06) 721-2003
豐 原 通 訊 處Fongyuan Liaison Office
42051台中市豐原區圓環東路384號No. 384, Yuanhuan E. Rd., Fongyuan District, Taichung City 42051Te l：(04) 2524-8989Fax：(04) 2520-0168
嘉 義 營 業 部Chiayi Production Dept.
60096嘉義市北港路251號10樓10F., No. 251, Beigang Rd., Chiayi City 60096Te l：(05) 231-0112Fax：(05) 281-1522
屏 東 營 業 部Pingtung Production Dept.
90065屏東縣屏東市自由路502號No. 502, Ziyou Rd., Pingtung City, Pingtung County 90065Te l：(08) 766-3838Fax：(08) 733-3939
羅 東 通 訊 處Luodong Liaison Office
26549宜蘭縣羅東鎮純精路二段107號No. 107, Sec. 2, Chunjing Rd., Luodong Town, Yilan County 26549Te l：(03) 961-5888Fax：(03) 951-0935
花 蓮 通 訊 處Hualien Liaison Office
97046花蓮縣花蓮市和平路492號No. 492, Heping Rd., Hualien City, Hualien County 97046Te l：(03) 833-9020Fax：(03) 833-9022
台 東 通 訊 處Taitung Liaison Office
95045台東縣台東市正氣北路421號No. 421, Zhengqi N. Rd., Taitung City, Taitung County 95045Te l：(089) 356-069Fax：(089) 356-068
岡 山 通 訊 處Gangshan Liaison Office
82060高雄市岡山區中山南路105號2樓2F., No.105, Zhongshan S. Rd., Gangshan District,Kaohsiung City 82060Te l：(07) 626-0072Fax：(07) 626-0290
大 陸 地 區Mainland China Area
上 海 代 表 處Shanghai Representative Office
200030上海市徐匯區虹橋路808號加華商務中心A棟8106室Room A8106 Jia Hua Business Centre, No.808 Hong Qiao Road, Xuhui District,Shanghai, P.R.China 200030Te l：+86-21-6447-7858 / +86-21-6447-7897Fax：+86-21-6447-7898
營業項目Major Products
汽 車 保 險 Motor Insurance強制汽車責任保險
強制機車責任保險
任意汽車保險
第三人責任保險
車體損失險
竊盜損失險
乘客責任附加條款
駕駛人傷害附加條款
代步車保險
汽車超額責任險
車體損失險許可使用免追償附加條款
慰問金附加條款
代車費用附加條款
機車整車失竊損失保險
公路汽車客運業、市區汽車客運業與 遊覽車客運業乘客責任保險
免自負額汽車車體碰撞擦撞損失保險
Compulsory Motor Liability InsuranceCompulsory Motorcycle Liability InsuranceVoluntary Motor Insurance Third Par ty Liability Insurance Physical Damage Insurance Theft Insurance Passenger Liability Endorsement Driver's Personal Accident Endorsement Substitute Vehicle Insurance Motor Excess Liability Insurance Waiver of Subrogation for Physical Damage Endorsement The Consolatory Expenses Endorsement Transportation Expense Endorsement Motorcycle Total Theft Insurance Passenger Liability Insurance for Commercial Bus Business
Non-deductible for Motor Collision Damage Insurance
火 災 保 險 Fire Insurance
住宅火災及地震基本保險
住宅火災及地震綜合保險
商業火災保險
商業火災保險及附加險
商業火災綜合保險
商店綜合保險
Residential Fire Insurance & Ear thquake InsuranceResidential Fire & Ear thquake Comprehensive InsuranceCommercial Fire InsuranceCommercial Fire & Allied Perils InsuranceCommercial Property All Risks InsuranceComprehensive Shop Insurance
海 上 保 險 Marine Insurance
海上貨物運輸保險
內陸貨物運輸保險
商業動產流動保險
運送人責任保險
海運承攬運送人責任保險
船體保險
船體修繕人責任保險
漁船保險
娛樂漁業漁船意外責任保險
漁業漁船船員僱主責任保險
遊艇意外責任保險
Cargo InsuranceInland Transit InsuranceCommercial Property Floater InsuranceCarrier's Liability InsuranceFreight Forwarder Liability InsuranceMarine Hull InsuranceShip Repairer's Liability InsuranceFishing Vessel InsuranceAmusement Fishing Vessel Liability InsuranceEmployer's Liability Insurance for Fishing VesselYacht Liability Insurance
航 空 保 險 Aviation Insurance航空機體、零件暨責任保險
航空機體及零件兵險
航空機體及備用引擎自負額保險
Hull, Spares and Liabilities InsuranceHull and Spares War InsuranceHull and Spares Engines Deductible Insurance
新 種 保 險 Miscellaneous Insurance
責任保險
公共意外責任保險
雇主意外責任保險
產品責任保險
高爾夫球員責任保險
旅客運送責任保險
藥物臨床試驗責任保險
資料保護責任保險
家電延長保固契約責任保險
董監事及重要職員責任保險
錯誤或疏漏責任保險
超額賠款責任保險
雇主補償契約責任保險
工程保險
營造綜合保險
安裝工程綜合保險
機械保險
電子設備綜合保險
鍋爐保險
營建機具綜合保險
其他保險
現金保險
員工誠實保證保險
信用卡綜合保險
產品回收保險
貿易信用保險
氣候保險-颱風型
Liability Insurance Public Liability Insurance Employer's Liability Insurance Products Liability Insurance Golfers' Liability Insurance Passengers Carrier Liability Insurance Clinical Trial Insurance Data Protection Liability Insurance Black & White Extended Warranty Contractual Liability Insurance Directors and Officers Liability Insurance Errors or Omissions Liability Insurance Excess Liability Insurance Employer's Compensation Contractual Liability Insurance
Engineering Insurance Contractors' All Risks Insurance Erection All Risks Insurance Machinery Breakdown Insurance Electronic Equipment Insurance Boiler & Pressure Vessel Insurance Contractors' Plant and Machinery Insurance
Other Insurance Money Insurance Fidelity Bonds Insurance Credit Card Comprehensive Insurance Product Recall Insurance Trade Credit Insurance Weather Insurance-Typhoon type
傷 害 暨 健 康 保 險 Accident & Health Insurance個人傷害保險
團體傷害保險
個人旅行綜合保險
旅行平安保險
老來保個人傷害保險
初次罹患癌症健康保險
重大疾病健康保險
Individual Personal Accident InsuranceGroup Personal Accident InsuranceTravel Comprehensive InsuranceTravel Accident Insurance Senior Citizen Accident InsuranceCancer InsuranceDread Disease Insurance
資料基準日Date as of：2015/04/01
Major Products31 32
新安東京海上產險 一〇三年 年報 TOKIO MARINE NEWA INS. Annual Report 2014
營業項目
13 14
新安東京海上產險 一〇三年 年報 TOKIO MARINE NEWA INS. Annual Report 2014
營運報告
A+」高評價的公司，亦為第三公正單位對本公司不斷超越自我的最佳肯定。
展望2015新的一年，本公司將持續挑戰自我，強化競爭力與執行力，期許在全體員
工共同努力之下，使新安東京海上產險成為客戶、員工、股東均能引以為傲的最佳
產險公司。
1. 市場數據資料來源：中華民國產物保險商業同業公會2. 各險種數據資料來源：新安東京海上產險分險損益表
財務要覽Financial Highlights
項 目Item
年 度Year
股本Capital 2,990 2,990 2,990 2,990各項準備金*Reserves 9,842 9,870 10,088 9,456自留保費Net Premiums 6,362 6,919 7,210 7,752簽單保費Direct Written Premiums 7,728 8,264 8,606 9,184本公司簽單保費成長率 DWP Growth Rtaio - TMNewa 9.0% 6.9% 4.1% 6.7%
2010 2011 2012 2013
單位：NT$佰萬元Unit：NT$ Mil l ion
資料來源：新安東京海上產險
Source：TMNewa
註 1. 各項準備金包含未滿期保費準備、特別準備金、賠款準備金、重大事故準備金、危險變動準備金及保費不足準備金。
2. 自2011年起因產險會計制度改變，故營業收入數較2010年以前有明顯差異。
3.7% 6.9% 6.6% 3.7%市場簽單保費成長率DWP Growth Rtaio - Market資產總額Total Assets 15,037 15,299 16,187 17,226營業收入Operating Revenues 14,181 7,056 7,464 7,992稅後純益Net Income(after tax) 617 750 835 933市佔率Market Share 7.4% 7.4% 7.2% 7.4%
2,990
10,253
8,657
10,174
10.8%
2014
5.9%
18,440
8,820
837
7.7%
股本Capital
各項準備金Reserves
自留保費Net Premiums
資產總額Total Assets
營業收入OperatingRevenues
稅後純益Net Income(after tax)
簽單保費DirectWrittenPremiums
0
2,000
4,000
6,000
8,000
10,000
12,000
14,000
16,000
17,000
18,000
19,000
2010
2011
2012
2013
2014
2014
2010 2011 20
1220
13
2014
2010 20
1120
12 2013
2014
2010
2011
2012 20
13
2014
2010
2011
2012
2013
2014
2010 20
1120
12 2013
2014
2010
2011
2012
2013
財務要覽 / Financial Highlights