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IBNR 5IBNR 5/(*1) Excluding Residential earthquake insurance 5%(*2) Residential earthquake insurance 5CALI 5:(*) Including reserve for Residential earthquake insurance 5X(*) Total of Policyholders' contract deposits and Reserve for dividends to policyholders 5Interest and dividendsDomestic bonds 5Domestic stocks 5Foreign securities%Investment income on deposit premiums 5Net interest and dividends#Gains/Losses on sales of securitiesImpairment losses on securitiesGains/Losses on derivatives$Other investment income and expensesNet investment income*Nisshin Fire & Marine Insurance Co., Ltd.  5(millions of yen, except for %) 54Operating and general administrative expenses on U/W-0(USD in millions, except for %)Net premiums earnedIncurred lossesCommission/Corporate expensesUnderwriting profit/lossNet investment income/lossFY2015 5FY2016 5 %Net premiums written :%Auto insurance : YoY change (Managerial accounting basis)  5 %Net claims paid %Net W/P basis loss ratio*  5*%Net incurred losses (Private insurance)*  5600 Excluding Residential earthquake insurance and CALI' 5W%Net incurred losses caused by natural disasters during the period (Private insurance)*A 5.%Net E/I basis loss ratio (Private insurance)*  5T%Net E/I basis loss ratio excluding impact of natural disasters (Private insurance)*  5# %Business expenses on underwriting   %Expense ratio  %Outstanding claims reserves  Fire*1C 5 CALI, EQ*2C 5%General underwriting reserve  5 Fire*C 5%Catastrophe loss reserve  5#%Reserves for saving type products*  5%Underwriting profit  5%Net investment income  5%Ordinary profit  5 %Net income  5%Net claims paid  5I Major US Subsidiaries Reference Information (managerial accounting basis)< 5 Philadelphia 5Delphi 5TMHCC 5YoY 5Net Premiums Written 5Business Unit Profits 5 Loss Ratio* > 5 Expense Ratio*> 5 Combined Ratio*> 5)* Denominator used is net premiums earned 5- 5dr  /  H!v"#$|&'( * ".P?0m1cc n  (B8Wip|ڏX dMbP?_*+%m&R&"Arial,jn" -&C&"Arial,jn"&P / &N &M&d2?'M&d2?( `?)i4F?M\\SNVPA03\PCV1389(_ 4dXA4CanonhJ`bCanon LBP9600C/9500C LIPSLXddd     d d d d dd   dd@@d  d  d dd d"eddd     !"#$%&'d"    @ !"#$%&'()*+,-d.d/d0123456789:;<=>?@ABCDEFd    ddd !"#$%&'()*+,-./01234d!ddd d!     dK8  4 22h 1 4 22h 1XB2 -3 00000\CNZSRGBA.ICC\CNZSRGBA.ICC\CNZSRGBA.ICC r00yyH-3 0fg!Nb[X  "TX `?x@?@ M  ! !!<@@@t@! ! @@^@P@!@R@@Pa@" ""`@@(@@" " @P@@B@" @0@@H@# ##|@@޷@ T@# # @T@@@#@T@R@@$ $$S@V@A@A@$ $ @@p@z@T@$T@p@<@A6@% %%J@"@@j@% % F@@Pd@ @%J@@m@Pj@& &&̥@@@9@& & @@@Q@ "@&@`R@ @$@' '' v@ 4@  @ @' ' q@ <@ ԋ@ \@' l@ T@ A@a@() *N **++ +~ +V@+ r?+L7A`?+;On?+ + S㥛?+ 㥛 ?+ n?+!rh?+V-?+x&1?+X9v?~ +J@,, ,,Cl?,T㥛 ?,L@K@, , K?, }?5^I?, @N@N@,/$?,ʡE?,Cl?,!rh?-- -~ -D@-m?-jt?-S㥛?- - /$?- MbX9?~ - H@-'1Z?-C@E@-^I +?-"~j?.. ..Cl?~ .N@.~jt?.Zd;O?. . |?5^?. |?5^?~ . 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