Tokio Marine Life Insurance (Thailand) Public Company Limited Announces Major Capital Increase of THB 3.3 Billion

Mr. Takashi Saito, Chief Executive Officer of Tokio Marine Life Insurance (Thailand) Public Company Limited, announced a capital increase of THB 3.3 billion, marking the largest capital injection since the company's establishment. Following this increase, the company's registered capital now stands at THB 5,582,625,030. The capital increase was completed on December 2, 2025.

The capital increase serves three key purposes:

1.Enhancing readiness for business expansion and managing risks .

As the company continues to introduce innovative offerings, sufficient capital is required to support associated risks. Despite market challenges, Tokio Marine remains committed to delivering new value to customers, underpinned by a robust financial structure.

2.Strengthening financial stability in a prolonged low-interest rate environment.

This proactive capital injection is not driven by short-term necessity but is a long-term measure to ensure financial resilience and flexibility in the future.

3.Reaffirming Tokio Marine Group's long-term commitment to Thailand.

This capital increase is not merely a financial action but a demonstration of the Group's dedication to creating sustainable value in Thailand as a trusted long-term partner.

"Since its founding in 1879, Tokio Marine Group has spent nearly 150 years supporting customers and societies worldwide through insurance business and related services. While societies evolve, our commitment remains unchanged: to stand by our customers at every critical moment. Life insurance is considered a long-term promise, supporting customers for 10, 20 years or more. Maintaining long-term financial health and safeguarding entrusted premiums is our fundamental responsibility. Mr. Takashi Saito, CEO, stated

The Thai life insurance market continues to face challenges, including persistently low interest rates and high medical inflation, while customers seek stable returns, retirement savings, and affordable health coverage. This capital increase reinforces the trust, and enabling us to take well-assessed risks, to enhance stakeholder value, develop more attractive products, improve investment returns, and develop advance AI-driven tools and solutions."

Strategic Importance of Thailand

Tokio Marine Holdings views Thailand as a key strategic market for future growth, operating both life and non-life insurance businesses in the country. The Group's long-standing commitment is evidenced by continuous investments, such as the THB 80-billion claims paid during the 2011 floods to support recovery, and the acquisition of Safety Insurance in 2018, which expanded its non-life insurance presence. This capital increase continues that commitment, representing a forward-looking strategic investment for sustainable growth.

"The decision to increase capital reflects confidence in the future of Thailand and demonstrates the potential of Tokio Marine Life Insurance Thailand. The trust we are committed to preserving for the next 100 years, together with our partners, will enable the company to deliver even better products and services to customers for sustainable growth. We sincerely thank you for your continued support and look forward to the future growth of Tokio Marine Life Insurance." Mr. Takashi Saito concluded

2025 Annual Performance

Ms. Yuwadee Chalermsripinyorach, Executive Vice President - Financial Management, reported the company's 2025 performance. For Tokio Marine Life Insurance (Thailand) Public Company Limited, we successfully overcame these challenges through the dedication of our entire team—agents, distribution channels, business partners, management and our employees—along with the trust of our valued customers. As a result, the company delivered outstanding performance with total premium income of THB 10,473 million, comprising:

• First-year premiums: THB 1,294 million (14% growth)
• Single premiums: THB 700 million (33% growth)
• Renewal premiums: THB 8,479 million (4% growth)

The year 2025 also marked the first year of adopting the new accounting standard IFRS17, under which Tokio Marine continued to demonstrate strength, achieving an estimated pre-tax profit of THB 440 million, up 65% from the previous year, including:

• Insurance profit after expenses: THB 300 million
• Investment profit: THB 100 million
• Other income: THB 40 million

Looking ahead to 2026, the company has a clear investment strategy:

• Increase equity allocation from 2% to 7%
• Increase corporate bond allocation from 5% to 15%
• Reduce government bond allocation from 85% to 70%

"The year 2025 was filled with significant challenges for the life insurance industry, driven by both global and domestic economic factors. One of the most notable changes was the introduction of the co-payment system in standard health insurance policies, which led to a surge in demand during the first quarter. At the same time, interest rates continued to decline throughout the year, prompting many companies to make substantial adjustments to their strategies and products. This portfolio adjustment is expected to boost investment returns from approximately 3.0%-3.3% to 3.8%-4.0%, enabling the company to develop products that deliver even greater value to customers. Ms. Yuwadee stated

For 2026, the company targets total premium income of THB 10,900 million, comprising THB 1,380 million in first-year premiums, THB 420 million of single premium and THB 9,100 million in renewal premiums, representing 4% growth.

Strong agency performance

Dr. Somphot Keitkraival, Senior Executive Consultant- Officer of Management and Agency Streamline, reported the channel's performance in 2025. The company's agency channel has shown strong growth in 2025, generating total premium income of THB 7,314 million , comprising:

• First-year premiums: THB 885 million
• Single premiums: THB 321 million
• Renewal premiums: THB 6,108 million, with nearly THB 70 million contributed from ILP products.
• The agency force now exceeds 6,500 agents.

In 2026, the company aims for THB 1,100 million in first-year premiums, THB 6,503 million in renewal premiums, totaling THB 7,603 million, and plans to expand its agency force to 8,000 agents.

"With this significant capital increase from Tokio Marine Holdings, our financial position is stronger than ever, reflecting confidence in the growth potential of Tokio Marine Life Insurance Thailand. This support enables us to develop new products, strengthen our agency channel, and enhance customer service. Importantly, this investment underscores our long-term business commitment in Thailand.

I would like to express my gratitude to our policyholders for their trust, which has allowed us to grow despite global volatility, and to our dedicated sales force whose efforts have consistently exceeded expectations. Looking ahead to 2026, we plan to introduce innovative products that meet diverse customer needs, including the industry's first Non-Claim Bonus product and a new child health insurance offering.

In addition, the company has elevated the professionalism and capabilities of its agency force, leveraging technology to provide tools that enhance efficiency and adaptability in today's uncertain environment. Dr. Somphot stated

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