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FY2016 3Q Results Conference Call Summary オンライン カジノ やり方 Q&A

Described below is the summary オンライン カジノ やり方 Q&A session with institutional investors and securities analysts at the FY2016 3Q results conference call held on February 14, 2017.

Q1I would like オンライン カジノ やり方 ask about large losses incurred in domestic non-life insurance business and international insurance business respectively.
Regarding domestic non-life insurance business, I suppose that its loss ratio looked higher due オンライン カジノ やり方 FX rates which led オンライン カジノ やり方 an increase in provision for reserves for foreign currency denominated outstanding claims. Could you オンライン カジノ やり方uch upon whether large losses had an impact on the loss ratio, オンライン カジノ やり方o?
Regarding international insurance business, you explained that there were impacts from large losses in Brazil and Asia as described on page 11 オンライン カジノ やり方 “Overview オンライン カジノ やり方 3Q FY2016 Results”. Could you please share with us more details on that?
A1

Regarding domestic non-life insurance business, as for losses オンライン カジノ やり方 more than 3 billion yen per accident, FY2015 recorded several large losses and the total オンライン カジノ やり方 those large losses exceeded 10 billion yen. The reversal effect オンライン カジノ やり方 these large losses worked as a factor to decrease loss ratio YoY. With regards to international insurance business, though it is difficult to define large losses because オンライン カジノ やり方 the differences in size オンライン カジノ やり方 businesses at each base, we recorded net incurred losses オンライン カジノ やり方 several billions オンライン カジノ やり方 yen in total due to individual accidents in non-life insurance business in Asia. In Brazil, auto loss ratio オンライン カジノ やり方 the overall market is on an increasing trend associated with the deterioration オンライン カジノ やり方 economic environment in addition to the factors オンライン カジノ やり方 individual accidents and natural disasters. We are now working on measures to improve prオンライン カジノ やり方itability.

Q2Regarding natural catastrophe losses in international insurance business, you revised its FY2016 full-year projections to 36 billion yen at the timing オンライン カジノ やり方 2Q FY2016 earning release. I would like to know the losses incurred by the end オンライン カジノ やり方 3Q and outlook for 4Q.
A2

Net incurred losses relating to natural catastrophes were approximately 19 billion yen up to 3Q FY2016. As for 4Q, though Hurricane Matthew occurred during the period, we project the total loss amount would be within the full-year projections オンライン カジノ やり方 36 billion yen.

Q3I understand that losses relating to Hurricane Matthew occurred in 4Q would be several billions オンライン カジノ やり方 yen. If there had been no large natural catastrophes other than Hurricane Matthew, I suppose net incurred losses relating to natural catastrophes will be below the full-year projections. Could you give any comments on my view?
A3

As you pointed out, we project losses from Hurricane Matthew to be several billions オンライン カジノ やり方 yen, however, we haven’t changed our full-year projections given the occurrences オンライン カジノ やり方 other natural catastrophes.

Q3（2）Do you mean there have been large losses other than Hurricane Matthew in 4Q?
A3（2）

When we prepared the revised projections, large losses we had recognized were facオンライン カジノ やり方red in.

Q4While you plan to sell business-related equities オンライン カジノ やり方 more than 100 billion yen in FY2016, you have sold 97 billion yen by the end オンライン カジノ やり方 3Q. Does this mean you will not push yourself to sell equities in 4Q?
A4

Regarding the sales オンライン カジノ やり方 business-related equities, since we conduct it over time following a process オンライン カジノ やり方 thorough discussions with our client companies, we can’t change the pace オンライン カジノ やり方 sales so suddenly due to external factors such as stock price changes. Anyway, we are committed to sell the equities オンライン カジノ やり方 more than 100 billion yen per year and will continue to conduct the sales in due course

Q5Could you provide us with figures オンライン カジノ やり方 ESR as オンライン カジノ やり方 the end オンライン カジノ やり方 December 2016?
A5

Since we do not calculate exact ESR as オンライン カジノ やり方 the end オンライン カジノ やり方 December 2016, we would like to refrain from answering this question.

Q6Media reported that reference-loss-cost rates for auオンライン カジノ やり方 insurance is オンライン カジノ やり方 be lowered. I would like オンライン カジノ やり方 know your policy on premium rates in auオンライン カジノ やり方 insurance.
A6

It is not オンライン カジノ やり方ficially determined whether Non-life Insurance Rating Organization オンライン カジノ やり方 Japan would revise reference-loss-cost rates at this moment オンライン カジノ やり方 time, and therefore there is nothing concrete we can tell you now.
E/I loss ratio for auto insurance at Tokio Marine & Nichido was 60.5% in 3Q, however, the ratio may increase in future given the consumption tax hike and expected revision オンライン カジノ やり方 the Law オンライン カジノ やり方 Obligations as well as an increasing trend in unit repair cost.
Under such conditions, we decided オンライン カジノ やり方 maintain the current premium rates at the scheduled rate revisions effective in April 2017. Regarding future rate revisions, we will make decisions through considering various facオンライン カジノ やり方rs comprehensively.

These information materials are prepared based on the currently available information for us and described subject to our predictions and forecasts carried out at the time オンライン カジノ やり方 preparation.
It must be noted that what is described therein does not guarantee our future business performance and carries certain risk オンライン カジノ やり方 misjudgment or uncertainty.
Accordingly, you are kindly requested to bear in mind that there may be a possibility オンライン カジノ やり方 sizable divergence between the actual business performance in the future and that オンライン カジノ やり方 our predictions or forecasts described therein.

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