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Ladies and gentlemen, thank you for waiting. My name is Ishiguro from the IR Group. Now I'd like to start the telephone conference regarding the fiscal 2020 results and fiscal 2021 projections of Tokio Marine Holdings.
As for the proceedings, I will be using the presentation material and the new release posted on our website to give you a presentation for a little over 10 minutes. Afterwards, I will be receiving questions from the audience. I hope you are okay with the proceedings.
Prior to starting the telephone conference, I have a disclaimer to make. Please be noted that the presentation we make today contains business projections and forecasts which accompany risks and uncertainties. Please be informed in advance that the actual results may differ from the projections. This meeting is offered with a recording service.
Now I'd like to move on to the main points of fiscal 2020 results. Please turn to Page 3 of the materials. First, let me explain about net premiums written,
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