The Company's ROE has trended above cost of equity capital, and the Company does not fall below PBR of 1x. The Company recognizes cost of equity capital at approximately 7-9% in light of earnings yield and dialogue with shareholders and investors. Going forward, the Company will continue to achieve stable profit growth and maintain high-level ROE centered on stock business, and will promote initiatives to reduce cost of equity capital including efforts in sustainability management and strengthening IR activities, thereby striving to enhance corporate value. For details on responses to realizing management conscious of cost of capital and stock price, please refer to the following: Earnings Supplement Briefing Materials for December 2025, Page 21