To achieve sustainable growth and enhancement of corporate value, the Company believes that the fundamental approach to capital policy is to ensure a balance between improving capital efficiency and maintaining financial soundness. With respect to the Company's PBR improvement measures, we view them as encompassing improved profitability and enhanced expectations (market recognition). As interim numerical targets, we aim to continuously achieve ROE of 8% or more on a standalone business basis, and we recognize the importance of improving IR activities to adequately communicate the Company's business value and potential to investors and market participants. As of December 31, 2025, the Company's PBR remains above 1.0x; however, in formulating the next medium-term management plan, we will also consider more concrete medium- to long-term growth strategies aimed at PBR improvement.