Thank you very much for joining us today despite your tight schedule, and there's a big turnout online. Thank you very much for that. This time we are going to present the first nine months' results, and on behalf of Mr. Kitao, let me begin. So, consolidated performance revenue: J PY 1 trillion 13.3 billion, and the profitable income before tax: JPY 179 billion 378 million. Profit for the period: JPY 129 billion 790 million, and the profit attributable to owners of the company: JPY 101 billion 157 million. So, it's over JPY 100 billion, and currently annualized ROE is over 10%, more precisely 10.3%. This is the pre-tax income comparison with major securities groups. We are overachieving under Daiwa Securities and following Nomura Holdings. Next, by segment, as to revenue, financial services business, asset management business, and crypto asset business hit the record high for pre-tax income. The record highs were recorded by asset management business and crypto asset business after the U.S. Presidential Election. The crypto asset market was very robust. Year on year, nine times the pre-tax income was JPY 18.1 billion. I'm going to give more details later on. This is shareholders' benefits. XRP and other selection is provided to the shareholders in the past. We used the XRP for the five benefits, the payouts, and if we had kept those XRPs, the JPY 50 is the weighted average unit price, and currently it stands at JPY 354.6, namely approximately seven times, so those people who chose the XRP now have JPY 100 or so at the value, so if they kept it, the value is now 3.5x. The financial services business, JPY 867 billion, record high revenue, and the pre-tax income is about JPY 170 billion, the very good performance. Major factors are banking the business, about JPY 100 billion, year on year basis, up 88.8%. For securities business, Zero Revolution. The other lost income, there was some lost income, but that was overcome. That was the JPY 61 billion earned, up 19.6%. First, the banking business, SBI Shinsei Bank, consolidated performance on the J-GAAP basis. As the ordinary business profit, already in the third quarter, JPY 100 billion mark was exceeded. In the previous year, for the first time in 13 years, JPY 100 billion was exceeded, and this year we achieved it in the third quarter. Of course, there is some other one-off profit. Even with that, the group synergy helped considerably to improve SBI Shinsei Bank's performance. As to IFRS basis, pre-tax income is JPY 76.7 billion, or 147% up year on year. SBI Shinsei Bank's total amount of deposits and number of accounts, retail accounts, JPY 6.5 trillion is the number before joining the group. In about three years, it increased to JPY 13.6 trillion, more than doubled. The number of accounts, 3.74 million. It is increasing very smoothly. This is operating asset balance. Before joining the group, JPY 8.2 trillion. From there, good synergy that was leveraged to reach JPY 13.5 trillion. Next, SBI Sumishin Net Bank's situation. Ordinary profit on a J-GAAP basis, up 6.5% year on year at JPY 26.7 billion. As to IFRS basis, current equity ratio is 34.21%, so JPY 4.4 billion. SBI Sumishin Net Bank's deposits and number of accounts since the opening, both of them have been increasing steadily. They exceeded JPY 10 trillion mark, and the number of accounts will soon reach 8 million. Especially most recently, the increase that is significant. SBI Savings Bank in Korea. Compared to other savings banks, which are struggling from investment in real estate, SBI Savings Bank discontinued their investment in real estate. So, already they are showing some sign of recovery. They have come to the end, more or less, the aggravation of loan credits. They have JPY 0.6 billion, or up 25.1% year on year on the IFRS basis. As to delinquency, 4.97%. This is the lowest in the industry. So, the aggravation of the credits has come to its end. The policy rate has been raised very recently, and the impact coming from that, it's shown here. Of course, it depends on how to calculate. It's somewhat different, but the JPY 2.8 billion impact for the SBI Shinsei Bank for FY 2024 and for SBI's Sumishin Net Bank annual impact, full year impact, with 0.25% increase in policy rate, is about JPY 14 billion. This bank is doing mortgage business. After the policy rate is raised, there is some time lag for them to raise their own rate. The interest time lag included to be calculated on a full year basis. Next, securities business. SBI Securities consolidated results on a J-GAAP. For all the profits, hit the record highs, especially for the second quarter. Policy reserve provisioning accounted for JPY 2.6 billion of extraordinary losses, and even with that, they hit the record high. The JPY 28.5 billion or so of the lost earnings coming from Zero Revolution. We have overcome that, the lost earnings, by diversifying sources of earnings. On a year-on-year basis, we increased our revenue. Previous year, it included the after the Zero Revolution implementation. Even after that, we are increasing revenue. So, after the start of Zero Revolution, the trend of quarterly revenue. Already after the revolution, on the left-hand side bar, the light blue portion, which is very, very thin, this is the fees that we lost because of the Zero Revolution. And after the launch of Zero Revolution, we have been diversifying revenue sources, increasing, for example, our financial and trading revenue. Especially for financial revenue, the open interest credit balance. In August last year, the market, equity market, crashed. And temporarily, it went down, but currently, we are seeing recovery. Currently, JPY 1,921.4 billion, or plus 25% year on year. And trend of financial revenue, in the second quarter, the bar was highest. This is after the crash in August on the three-year average balance basis that it turned out to be the highest. And October, November, December, there was a downward trend, so that revenue temporarily declined. But we are seeing recovery, and we can expect this to be good revenue sources again. And this is commission income from foreign stocks trading. Recently, AI-related names, for example, Nvidia or Tesla by Elon Musk, the trading of these names is increasing. And the other spot, the trading, up 80% year on year for spot margin trading year on year basis, 3.6x. So, a significant increase is observed. And along with that, commission income is increasing, actually hitting the record high. The trading revenue situation, this is for the first nine months of the year. At this time, the record high was hit. The foreign bonds and FX-related income are on the increase. Also, investment trust balance and the investment trust fees, stock revenue, they hit the record high, JPY 117 trillion, record high. For the investment trust fees, now come to very close to JPY 4 billion, record high. So, next is about investment trust sales, which is shown on a quarterly basis. For Q3, we were at JPY 1.8 trillion in trust sales, which is far higher than other companies. Especially for the month of January, we recorded record highs, which is close to JPY 1 trillion for investment trust sales. And going forward, we expect the balance is expected to further increase. For the investment trust savings account settings, as of end of December, we were at JPY 260.1 billion, or close to JPY 3 trillion on an annualized basis that is expected. So, going forward, on an annual basis, we expect growth to be increasing by JPY 3 trillion. Therefore, we believe the fee income will also increase. And for savings, this is not likely to decline regardless of changes in market. That was what we saw back in August last year. Next is the IPO underwriting ratio. Our share was at 90%, which is leading the industry. Due to the Zero Revolution, here is how our customer base is. In June 2019, we announced that fees are going to become free of charge. Then after, the number of accounts significantly increased, and we are currently at 13.66 million accounts. For share of individual trading value, regarding this part, both have been exceeding 50%. For individual stock trading value, we are currently at 56.3%. And for individual margin trading value, we are already close to 60%. If you also include institutional investors on top of individual investors, the share of trading value is shown here. The top is at Nomura at 20%. After the Zero Revolution, in the case of our company, our share has been rising, and now we are at 15%. Regarding the balance, we have been seeing an increase. We are at JPY 46.7 trillion of assets under custody, which has went up by 40% year over year. For FX trading accounts, the customer base increased through the Zero Revolution, and this has been contributing to FX trading accounts as well. For the five FX trading-related companies, we are by far the leading company. Next is about the insurance business. For the insurance groups that are listed, this is a preliminary result, but we have been seeing higher ordinary income and higher ordinary profit, and profits have been up steadily. For in-force contracts, CAGR is close to, on average, 15%. Next is about the asset management business. Both revenue and profit before income tax expenses have reached record highs for profits. It was JPY 4.3 billion, up by 25.8% year over year. For SBI Global Asset Management, this is a listed entity on a J-GAAP basis. At all levels, we were able to reach record highs. Revenue went up 13 periods in a row, and for ordinary profit growth, it was 16 consecutive periods in a row that we were able to increase. Other than that, Rheos, Hifumi, and Okasan Asset Management that are group companies, both entities performed well and continued their brisk performance. For Okasan Asset Management, after they joined the group, we have been implementing measures. And for profit, it was JPY 973 million, up by 160.2% year over year, which was quite substantial. For AUM for the group, we are approaching JPY 11 trillion. Stock income is important. We are striving for JPY 20 trillion by the end of fiscal 2027. Total net asset value rank, we have joined the top 10 on a group-wide basis as a group. For the investment business, for Q1, Q2, negative trends continued, losses continued, but for the third quarter, due to several names, we were able to see valuation gains. Of course, there are many names that we carry, so some of them generate losses, but valuation gains exceeded losses, and we were at JPY 17.2 billion for profit before income tax expense. For profit and loss from the change in fair value and profit loss on a sale of investment securities, we were at JPY 20.9 billion for M&A. Last fiscal year, the number was 21, but prospects for 2024 is 24. We have been able to realize 18 companies for IPO and M&As during this fiscal year. Often, we are asked the question about Ripple. From our point of view, we own approximately 9% based on actual holdings as the largest external shareholder. They were established in September 2012. In several years' time, the SBI Group invested in Ripple, and around the same timing, we established SBI Ripple Asia for international remittance businesses, and SBI Remit started providing Japan's first international remittance service using XRP, and the sales started for a USD-linked stablecoin as well this year, and for XRP, in the last three months, prices have been going up, and there are many people who have a misunderstanding about XRP, so I would like to explain. The maximum supply is 100 billion XRP, out of which the green part, or the light green part, this is the XRP that is circulated, which is about 60% of the total, or close to 60%. When people talk about market capitalization, this is the part they're talking about. On the other hand, the current Ripple's holdings are the bottom part, the direct holdings, which is spot, and the escrow part, which is there's a limit to selling. That part is 40% of the total. For SBI Group, we don't own XRP. We own the shares of Ripple. Regarding share evaluations of Ripple, if someone were to do a substantial trade, or if there were to be an IPO and the shares were to be priced, and that reflects the value of XRP, that will be reflected on us. However, unless that happens, it would be hard for us to change the valuations of Ripple. This is AUM of the SBI Group. It's JPY 824.4 billion for private equity. Next is crypto assets. In light of the Presidential Elections in the U.S., the crypto asset market globally picked up in light of these trends. For revenue and profit before income, we were able to reach record highs, and for profits, it was nine times more year over year at JPY 18.1 billion, and for our crypto asset business, if you look at the graph at the bottom and the line, this represents the quarterly revenues from the SBI Group's crypto asset business, and for the bar chart, this is the quarterly BTC Bitcoin trading volumes on the world's leading crypto asset exchanges, so you could see that it moves in conjunction with one another. B2C2, which is the biggest liquidity provider we have ownership, and so, with more trading volume for crypto assets globally, we believe our earnings will also pick up. Here is the next-gen business. It was JPY 10.9 billion negative for profit before income tax expenses. For the first two quarters, one-off losses. For this segment, we own equity-accounted companies that went through an impairment loss. Due to this impact, we saw huge losses for the first two quarters. In the third quarter, the losses contracted. On the other hand, we are still making advanced investments into the digital asset area. Also, SBI Ala Promo also belongs to this segment, and we are currently preparing, striving to bring this company to market in fiscal 2025. Next, I'd like to talk about SBI Shinsei Bank. I would like to talk about putting an end to the issue of repayment of public funds, which is SBI Group's position as a great cause. SBI Shinsei Bank's ordinary business profit, after they've joined the group, has significantly improved because the ecosystem was leveraged to its maximum. We were able to exceed JPY 100 billion as of the third quarter in nine months, although it was JPY 100 billion for one year, last fiscal year. For the midterm plan, the targets for the whole year for 2024 were JPY 74.6 billion. In nine months, we achieved JPY 70 billion. They joined the group with JPY 20 billion or so. It's likely that they will hit four times the level of the profit. This is the ownership situation as the release at the end of last year. Currently, SBI Group and the government, the organizations, two of them. The 70% is the group's stake ratio. Based on that, we are working on repaying the public money. Partly, when the squeeze-out process last year, about JPY 19.3 billion was paid, repaid. And currently, we have JPY 330 billion left. So, the JPY 100 billion that is going to be repaid upon the approval from the government. And that will happen within this year, the fiscal year. And that is our target. And the resources that the SBI Shinsei is going to use, the JPY 50 billion, and the remaining JPY 50 billion will be paid by SBI Holdings. And that will leave JPY 230 billion left. And for that, currently, we are working on the definitive repayment scheme. And on that, we'd like to come into the agreement with the government as soon as possible. Originally, it is by June this year, but as early as possible, we would like to agree with the government. Going forward, once the path of repayment becomes clear, then we are going to start preparation for reviewing the relisting of SBI Shinsei Bank. So, now I'd like to talk about our strategies going forward. In various areas, we achieved dramatic growth of the group by causing creative destruction in various areas. The Schumpeter, the four times of the Schumpeter, the creative destruction, and based on the four types of competition that are important in capitalism is the basis of the thought. In September 2023, we started the Zero Revolution. That is the very starting point. Before that, it took JPY 82,500 for JPY 10 million of the contract money. That is the fixed fee level. So, it was really the creative destruction to cause the structural changes of the industry itself. As a result, for some customers, investment had a rather high hurdle. But with the zero yen, the commission lowered that hurdle. And of course, combined with the start of the new NISA program. In addition, there are some new products. SBI WRAP, the FOLIO, the group company, delivers the SBI WRAP. We use that. And that is the automatic management system platform service. And after the service is launched, the JPY 230 billion that has already been reached with 150,000 account numbers. And the asset under custody reached JPY 57.4 billion. And if we look at the year 2014, through the comparison, the current level is about three times. And April the 6th of 2024, still, in that comparison, the actual number is doubled. SBI WRAP, part three, with our asset management, we are doing this. It is Lev WRAP, has already been launched. So, it is leveraged investment trust. Looking at market conditions, automatically, leverage is adjusted. That is the leverage and levy course. And based on the risk appetite of the customer, you can choose leverage course. Also, recently, the equity index, the trading, is becoming more common. So, the commodity and equity index and the crypto assets in the OTC basis, CFD, is being prepared. SBI Japanese High Dividend Equity Fund, run by SBI Asset Management and sold exclusively by SBI Securities, it exceeded JPY 100 billion only in 20 business days. And currently, trust fee is 0.1238% per year. And it is growing rapidly. Other than that, the Man Group, with Man Group, SBI Man Liquid Trend Fund is provided. And here, the commission is less than 1%, the lowest in the industry. And already JPY 17.8 billion, exceeding JPY 17 billion mark in short period. And with KKR private debt, it is being more of the focus in the mass media report. And we have already started to offer this vehicle to domestic institutional investors with 12% annualized return. And we are currently viewing to deliver the same product to retail customers. And in the U.S., the crypto asset ETF is already launched. In Japan, there's a possibility to do the same. And for that, we are aligned with Franklin Templeton. Once this product becomes available, we are now preparing our own product. So, with various partners, we have been working to deliver products that satisfy the needs of different customers. There are many investors who just started investment with NISA. And day in, day out, we are developing various products for different types of customers. Especially for those who are inexperienced in investment, the hurdle is high. SBI Securities has set up the Financial Education Promotion Office. At customers' requests, we provide seminars at the government offices or the private organizations. Through January 31st, 2025, we held a total of more than 1,000 seminars. We'd like to approach potential SBI Securities clients through financial education. A Wealth Advisor, the group, the player. Here, collaborating with various organizations, we provide information. Last year, we had 11 fairs with 85 sponsoring companies and with more than 3,200 visitors. Next, new technology. From new technology aspect, I would like to make some comments. Financial ecosystem. We have been providing services for the securities, the banking, and insurance. Going forward, digital space is going to be more important. Currently, we are now focused more on building a digital space ecosystem. This is trade, the exchange or Bitcoin, on the market maker, on the other side of the coin. The project or issuers, with Oasys, custody, and others. In different aspects like these, we'd like to provide different products and functions. In particular, Web3 and the crypto asset. The Trump administration is very favorable attitude, is having a very favorable attitude toward these things. He has already signed an executive order titled Strengthening American Leadership in Digital Financial Technology. We are very interested in whether such a policy is going to be put in practice. For example, the President's Working Group on digital assets markets was established or evaluated the possibility of creating a national stockpile of digital assets. Very importantly, Mr. Gensler, the Chair of the U.S. Securities and Exchange Commission, that exited, resigned, that he was rather hostile approach to crypto assets. And now, Mr. Atkins is very likely to be the next chair. CBDC, Central Bank Digital Currencies, it was prohibited to promote dollar-backed stable coins. I'm going to explain about dollar-backed stable coins later. This is going to be very important going forward. On the back of Mr. Trump's policy, there is an impact in terms of the number of accounts all over Japan, which is exceeding 10 million marks for crypto asset and LTC trade and Bitcoin. Their number of accounts as of the end of December, the 1.1 million or the increase up 15.3% on a quarter-on-quarter basis. JPY 600 billion was exceeded in terms of assets under custody as of January 1st. Going forward, as stock revenue services, we can count on the staking service. As you can see in this graph, in the crypto asset market, which is being very robust and with increasing large lot transfers, it is improving, and the SBI VC Trade staking revenue is also growing very rapidly. As to the volume of the crypto assets that we trade, DMM Bitcoin, the transfer of accounts and assets will be explained later. With that, 14 names will be added to satisfy the needs of the customers. This year, as we made a release on as of March the 8th, from DMM Bitcoin, we will be transferring the accounts as well as the assets under custody. There are about 500,000 accounts or JPY 100 billion in assets under custody. If it increases up until March, even more, we believe the number of accounts will increase up to about 1.7 million in total. The largest crypto asset market maker, B2C2, because of the global trading volume increase, their revenue has been increasing. Looking at the line, this is quarterly revenues for B2C2. The bar graph is the major global crypto asset exchanges trading volumes for Bitcoin USD on a quarterly basis. We believe that if the crypto asset industry picks up even more, we should see higher revenues going forward as well. With Circle in the U.S., we are working together on USD-linked stable coins. Currently, preparations are in the final stages. Within the fiscal year, we are working with the regulators and Circle so that we can issue it for the first time in Japan. SBI VC Trade is applying for a license for electronic payment instruments service provider. Once we acquire the license, we would like to start our operations. And our company, in order to handle USDC, when it comes to the licenses, whether it be the bank, trust bank, or crypto asset exchanges, we have all of these entities within our group. Therefore, we are in a condition where we can be Japan's first company to handle USDC. And the other day, we made a press release around Solaris in Europe, and we have decided to turn it into a subsidiary. Going forward, we are waiting for regulator approval. From the existing shareholders, we will be buying out the shares, and we will be making investments together. And at most, our ownership is likely to be 86.7%. And Solaris was established in 2015. And banking as a service is what they've been doing. So, they are one of the major banks nowadays in Europe. And together with ADAC, they are working on a credit card program. They have started to generate earnings from this business. We also invest into Boerse Stuttgart Group. Through the subsidiary, we are supporting the expansion of Solaris' customer base and increasing corporate value through utilizing the SBI Group network in Europe. In the case of digital asset, the concept of country borders is disappearing. In various countries around the world, we are making investments into these entities. For example, ODX, which is Japan's first PTS to handle ST. In Switzerland, with SIX Group in Singapore, we established AsiaNext, a digital asset exchange for institutional investors and also for Singapore. SBI Digital Markets is another company. Together with Siam Commercial Bank in Thailand, we have set up this entity. We offer tokenized products such as bonds, real estate, and real assets, which has just started. Also, in Switzerland, the first digital asset bank in the world, Sygnum, is an entity we have invested into. So, through these efforts in the digital asset area, we would like to promote the business on a global scale. For new markets, next, I'd like to talk about new markets. One focus area is iDeCo and company type DC. In December 2024, the fiscal 25 tax reform was set forth, which is expected to further expand iDeCo as a program and the contribution limit. So, we are expecting further growth and progress around iDeCo. So, this is one estimate we did. If you were to contribute for 20 years, JPY 50,000 with NISA, the right-hand side shows iDeCo on the other hand. And let's say you contribute JPY 50,000 on a monthly basis for 20 years. Looking at the difference, because there's favorable tax treatment for iDeCo, it creates the difference. And for iDeCo, withdrawing, you are not able to withdraw money when you need it. So, from that point of view, we believe combining NISA and iDeCo together is desirable. So, SBI Benefit Systems covers the iDeCo and corporate type DC business. And we were anticipating this kind of situation. And we've started to focus on this business since 2001 when we established this company. And in 2017, we made the iDeCo administrative fees completely free of charge. And due to these efforts, CAGR, or the number of subscribers, have went up by 31.1%. CAGR, and now the number of subscribers is at 1.3 million. And the balance for investment trusts have also went up substantially. For iDeCo and the number of customers, we are currently at the top of the industry, exceeding one million. Also, securities companies, banks, we have been partnering with them to increase this business. But now, we have been collaborating with the Okinawa Prefecture's Mutual Aid Association for Agricultural, Forestry, and Fisheries. So, we are approaching new entities so that we can contribute to asset formation for a wider range of customers. So, next, I'd like to talk about the harmful effects caused by the TSE's concentration. We have two PTSs in our group. And of course, there are other PTSs in Japan, but many are not connected with the brokerage firms. If that's the case, executing trades with the most favorable conditions, if that is actually being realized, is a question mark. Also, when you think about resilience of securities markets, in October 2020, there was a major failure at the TSE, a system failure. If PTS utilization was the norm, this failure could have been averted, meaning we could have averted a complete market shutdown. Going forward, in anticipation of deregulation, we would like to focus on acquiring trading flows through our group's PTS, especially if there's deregulation for auction-based transactions. We would like to reinforce that part so that we can acquire the flow within our group. Also, in the U.S., payment for order flow is a general practice. We would like to lobby for its introduction in Japan. In the U.S., in order to eliminate the PFOF's uncertainty and unfairness, the system has been deployed, developed to realize best execution and pricing improvement. We will lobby so that this can also happen in Japan. Earlier, I touched upon this topic, but in the U.S., crypto asset ETFs are already allowed, so together with companies in the industry, we have come up with a published proposal, especially for the very bottom, which not employs just for ETFs, but for crypto assets overall. We are asking for separate taxation by declaration because right now, a considerable amount of taxes are being imposed on the individual, so this is something we would like to change. Also, for crypto asset ETFs, in anticipation of deregulation in the future, we have started to consider what kind of opportunities are out there, so next is about the art auction area. For high net worth customers or people, they are talking about art, and we originally had an entity called SBI Art Auction that mainly focuses on contemporary art. It handles a wide range of contemporary artworks. Recently, we acquired 20% of Mynavi, an equity-accounted company, and they have a company called Mainichi Auction. It was founded in 1973, and from 1989, they started public auctions. They are a well-established company. We have concluded an agreement to establish a joint holding company. We would like to develop new markets by capturing the diversifying tastes of various generations and their interest in artworks as asset formation and develop new markets. The final topic I would like to cover is about utilizing social media or internet media to create an ecosystem that converges media, IT, and finance. First is about the rise of internet media such as social networking services. Looking at the very bottom, this is for the condition of all generations. Online or internet has already exceeded television when it comes to average media usage time. Even for the high age bracket, more than we thought, they have adopted the internet. We have been looking at various pieces of data. People in their 50s and 60s also watch a considerable amount of YouTube, and apparently, they use social media according to recent data. On top of that, recent elections, whether it be the U.S. Presidential Election or the elections that happened in Hyogo Prefecture, the candidate that embraces social media or SNS strategies has been able to win the election. For example, Mr. Trump has been appearing in 20 podcasts. Also, for the Hyogo Prefecture gubernatorial elections, according to an NHK exit poll, and asking the question about what people refer to, 30% of the respondents said SNS or video sites, which exceeded 24% of respondents who said newspapers or TV. When you consider these circumstances, we think we have to put emphasis on SNS strategy. Of course, our respective companies have been communicating through social media by a certain degree already. However, we should have a unified approach as a group is what we're thinking so that we could have better proficiency. Therefore, we have set a specialized team focused on SNS, comprised primarily of young talents who have a high proficiency in social media platforms. On top of that, for the financial IT area, we have strength, but we would like to converge with media so that we could evolve even more. In recent news, for example, around Mr. Trump or Elon Musk, they're talking about X and Trump Media. They were talking about convergence of finance. So, that is what we would like to also strive to do so that we can reinforce the strength of our group. That is all for me. Thank you.