Q2 2020 Tokio Marine Holdings Inc Earnings Call Transcript
Hello. Thank you for coming today. I am Ishiguro from the IR Group. We would now like to start the conference call for Tokio Marine Holdings Fiscal year 2019 Second Quarter results.
I will first talk for the first 10 minutes, giving you a highlight of the presentation material that was posted today on our website, and we'll also speak to the news release regarding shareholder returns. We will take questions after the presentation.
I would also like to give a disclaimer before we start the call: The explanations that will be given today may include business projections and forecasts based off current expectations and are subject to a range of inherent risks and uncertainties. Actual results may vary from what was anticipated. I would also like to mention that this call is being recorded.
So now, without further ado, I'd like to go into the highlights of our results. Please refer to Page 3 in the presentation.
I will first talk about top line that is net premiums
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