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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 %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)*: 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*1< 5 CALI, EQ*2< 5%General underwriting reserve  5 Fire*< 5%Catastrophe loss reserve  5#%Reserves for saving type products*  5%Underwriting profit  5%Net investment income  5%Ordinary profit  5 %Net income  5- 5FY2015 5FY2016 5FY2017 5- 5-February 14, 2018 5 %Net income  %Ordinary profit -0- 5%Investment income on deposit premiumsDomestic stocksDomestic bonds %Net investment income  %Underwriting profit X(*) Total of Policyholders' contract deposits and Reserve for dividends to policyholders# %Reserves for saving type products*  %Catastrophe loss reserve  %General underwriting reserve IBNROutstanding claims excl. IBNR!Business expenses on underwriting Agency commissions and brokerage4Operating and general administrative expenses on U/W6 00 Excluding Residential earthquake insurance and CALI''(*) Including loss adjustment expensesTotal T %Net E/I basis loss ratio excluding impact of natural disasters (Private insurance)* . %Net E/I basis loss ratio (Private insurance)* '(*) Excluding loss adjustment expensesW %Net incurred losses caused by natural disasters during the period (Private insurance)*:* %Net incurred losses (Private insurance)* &(*) Including loss adjustment expenses %Net W/P basis loss ratio* Per-auto premiumsNumber of carsPremiumsFleet Non-fleet: %Auto insurance : YoY change (Managerial accounting basis) (Apr.-Mar.) (Apr.-Dec.) (Apr.-Sep.) 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