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Nisshin Fire?QQ?  ;?  ;?  ;?  ;?O5 Z_658BBEC8_8F52_4E66_992D_63522D644091_.wvu.PrintArea;?O5 Z_658BBEC8_8F52_4E66_992D_63522D644091_.wvu.PrintArea;???"??lu^- 5- 5 /Tokio Marine & Nichido Fire Insurance Co., Ltd. 5Tokio Marine Holdings, Inc. 5(billions of yen, except for %) 5FY2013 5FY2014 51Q 52Q 53Q 54Q 5 (Apr.-Jun.) 5 (Apr.-Sep.) 5 (Apr.-Dec.) 5 (Apr.-Mar.) 5FireMarineP.A.AutoCALIOtherTotal Non-fleet 5Premiums 5Number of cars 5Per-auto premiums 5Fleet 5Total 5&(*) Including loss adjustment expenses 5Total  5'(*) Including loss adjustment expenses 5Fire 5Marine 5Auto 5Other 5'(*) Excluding loss adjustment expenses 5P.A. 54Operating and general administrative expenses on U/W 5Personnel expensesNon-personnel expensesTax and contribution Agency commissions and brokerage 5!Business expenses on underwriting 5Agency commission ratioExpense ratioOutstanding claims excl. 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$Other investment income and expensesNet investment income*Nisshin Fire & Marine Insurance Co., Ltd.  5(millions of yen, except for %) 5-4Operating and general administrative expenses on U/W ?%Net premiums written :?%Auto insurance : YoY change (Managerial accounting basis)  5 ?%Net claims paid ?%Net W/P basis loss ratio*  5*?%Net incurred losses (Private insurance)*  5600 Excluding Residential earthquake insurance and CALI' 5W?%Net incurred losses caused by natural disasters during the period (Private insurance)*: 5.?%Net E/I basis loss ratio (Private insurance)*  5T?%Net E/I basis loss ratio excluding impact of natural disasters (Private insurance)*  5# ?%Business expenses on underwriting   ?%Expense ratio  ?%Outstanding claims reserves  Fire*1< 5 CALI, EQ*2< 5?%General underwriting reserve  5 Fire*< 5?%Catastrophe loss reserve  5#?%Reserves for saving type products*  5?%Underwriting profit  5?%Net investment income  5?%Ordinary profit  5 ?%Net income  5?%Net claims paid  5FY2015 5 - 5February 12, 2016 5-0?b?< ?==?>?@ABCDEFd    ddd !"#$%&'()*+,-./01234d!ddd d!     dK8  4? 22h 1? 4? 22h 1??X?B2 ?-?3? 0??0?0?0?0?\CNZSRGBA.ICC\CNZSRGBA.ICC\CNZSRGBA.ICC ??r?0?0?y?yH?-?3? 0?fg?????2 in 1(!Nb?)X?????????????  ?"TX? ??`??????x?@??@? ?E?* ???????????????????!????? !??!???@??@???@?Z?@! ??! ??@; ??; ???@????@????@??@;??;?a?@??[?@???@;;?<?? <?? <??=?? =?H? =??>?? >????? ????D?l<???????<???????&<??????&&@???A?@B?@C?@D?@E???F?@G?@H?@I?@J???K?@L?@M?@N?@O?@P???Q?@R?@S?@T???U?@V?@W?@X?@Y?@Z?@[?@\?@]x@^x@_???? @?I?*@??????????????????A?A?? 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