Good evening, everyone. My name is Komiya. Thank you very much for taking time out of your busy schedule to join us today. I would also like to thank you for your continued support towards Tokio Marine. First of all, I would like to begin by explaining the content of the financial results for fiscal 2024 and the message from the management based on these results. Please turn to page three of the document. There are three main points I would like to convey to you today. The first point is about fiscal 2024 results. Our management places more emphasis on adjusted net income, excluding gain on sales of business-related equities, i.e., core profit of insurance business. And this figure, on actual basis, was JPY 608.9 billion. This is an increase by JPY 27.9 billion over the four-year forecast announced most recently in February. This is due to the appreciation of the yen against the foreign currencies used by Japan PNC in its financial results as of the end of March 2025, which reduced the burden of foreign currency-denominated reserves for outstanding claims. Normalized basis adjusted net income, excluding one-off effect, was JPY 679.0 billion, in line with the February forecast. This would translate to +14% year-on-year growth, which is quite high. This was due to the strong performance of major international businesses, as well as the depreciation of the yen against the exchange rate used by international business in their financial statements, which is the exchange rate as of the end of December 2024. Another reason was due to the rate increase in Japan PNC and a decrease of large losses. Sales of business-related equities amounted to JPY 922 billion, exceeding the February forecast by JPY 10 billion and 1.5 times higher compared to the initial forecast. Source of dividends will come from actual adjusted net income, including gains on sales of business-related equities, which was JPY 1 trillion 215 billion, an increase of JPY 35 billion from the February forecast and 1.7 times that of the previous year. The second point is the forecast for fiscal 2025, which is JPY 700 billion, excluding gains on sales of business-related equities. This would be 3% growth compared to last year's normalized adjusted net income. This growth will be driven by continued strong performance of the major international businesses and also rate increase in Japan PNC. The reported growth rate will be calculated based on the FX assumption we set at the beginning of the year for fiscal year business plan, where international business will be exposed to some impact of FX rate. This assumed rate taken at the end of March 2025 is showing yen appreciation compared to the actual rate at the end of last year. Therefore, looking at the actual performance excluding FX factor, I think it is fair to say that the overall growth rate will be positive 7% growth, and the underlying trend is favorable. The plan for sales of business-related equities is currently assumed to be JPY 600 billion, the same as the initial plan for fiscal 2024. Adjusted net income after completion of sales is expected to be JPY 1.1 trillion. Adjusted net income, including gain on sales of business-related equities, will be slightly affected by the pace of sales over the next five years until we reach business-related equity holding of zero. We believe that this is not directly related to corporate value, and we will continue to achieve world-class growth with our core insurance business profit. The third point is about shareholder return. We continue to believe that the profit growth of our business and the expansion of shareholder return should be consistent. There is no change to that policy. In this context, the DPS for fiscal year 2024 will be JPY 172, an increase of JPY 10 over the forecast at mid-year based on the further upward revision of profit. This would result in DPS growth of 40%. Furthermore, DPS for fiscal 2025 will increase by JPY 38 to JPY 210 in line with the profit growth I have explained. This will result in DPS growth of 22%. In addition, for capital stock, we will continue to implement a disciplined capital policy. Since last year, we have announced our intention to spend 1-2% of EPS growth for share repurchase. Current level of ESR is at an ample level of 149%. We also have several investment opportunities in the pipeline, mainly for bolt-on M&As. Taking all of these factors into consideration, we plan to repurchase JPY 220 billion of our own shares in fiscal 2025 for now. We will continue to implement share buyback flexibly throughout the year. Today, as its first step, JPY 110 billion of share repurchase was approved. Mr. Okada, our CFO, will explain more on the capital policy later. Now, I'd like to explain these aforementioned points in a little more detail. Please go to page four. First is top line. Fiscal 2024 results. As you can see on the left, net insurance premiums increased by 10% year-on-year as announced in February. Excluding foreign exchange effect, it was an increase by 6%. For life insurance premiums on the right, due to the additional implementation of block reinsurance by Anshin Life in March, life insurance premium decreased by 44% from the February announcement. In this context, our four-year forecast for fiscal 2025 is for a steady increase in net premiums driven by 3% year-on-year and by excluding foreign exchange factor, an increase by 5% year-on-year driven by rate increases and underwriting expansion. Life insurance premium is expected to be 45% year-on-year growth due to the impact of the block reinsurance program implemented by Anshin Life in fiscal 2024 and also in April of 2025. Next is the adjusted net income. The actual profit for fiscal 2024 is shown on page five. As I explained earlier, we believe that analyzing and evaluating the normalized basis profit is more important in terms of measuring the strength of our business. Please proceed on to page six. Normalized adjusted net income, excluding gains on sales of business-related equities for fiscal 2024, is JPY 679 billion, an increase by JPY 82.5 billion year-on-year and 14% growth compared to the previous year. We would like to evaluate this for different businesses. First, in Japan P&C business, there were some profit declining factors such as higher auto loss cost, higher natural disaster budget, as well as prior year reserve development for liability insurance in North America. However, we also had other factors such as rate increase in automobile and fire, a decline in large losses, and reaction from an increase in foreign currency-denominated reserve for our outstanding claims in connection with the yen depreciation in fiscal year 2023. Japan P&C business unit profit increased by JPY 28.8 billion from last year. In international business, profit decrease in Asian life due to drop in interest rates and decrease in prior year reserve takedowns partly offset strong insurance underwriting and income revenues, especially in key entities, and profit boosted by yen depreciation resulting in an increase in profit of JPY 29.7 billion compared to the previous year. Our full-year earnings basically naturally hedge against the impact of exchange rates. In other words, yen-denominated profits in the international business and Japan PNC foreign currency-denominated loss reserve cancel each other out. It is also true that the exchange rates used for financial results differ depending on the business. In light of this, exchange rate fluctuations in fiscal year 2024 were quite volatile, and the exchange rates used for financial closing of each business were all favorable to us. As a result, the management's honest assessment of fiscal year 2024 profits is that there was a wind-aided element to it. All in all, we believe that a +5% growth is a reasonable view. We also factored in a large capital loss on CRE loans in November of last year. To be honest, we were not exactly familiar with the CECL practice, and from our lessons learned, we have revised our average yearly expected capital loss from minus $265 million. It was revised to minus $440 million. Please turn to page seven for fiscal year 2025 projections. Adjusted net income for fiscal year 2025, excluding capital gains from sale of business-related equities, is projected to be JPY 700 billion, and our planned sales amount of business-related equities is JPY 600 billion in adjusted net income, including gain from sales of business-related equities projected at JPY 1.1 trillion, as I explained at the beginning. Let's look at the breakdown by business. Japan P&C will have a 7% growth despite factors such as decrease in profits due to a decrease in dividends from sale of business-related equities and an increase in IT costs. There are positive factors such as absence of prior year loss reserve development for liability insurance in North America and the rate increases for auto. International business appears flat growth year-over-year compared to the previous year due to the strong yen, but excluding exchange rate impact, it is plus 5% growth due to steady growth in key entities and a rebound in the Asian life insurance year-over-year. That is all for me. As seen in the recent tariff policy, the global economy is becoming ever more uncertain, and the business and management environment is by no means easy yet. Our company, Tokio Marine, remains resilient. We will continue to achieve world-class EPS growth with a high degree of certainty driven by globally diversified, low volatility, robust underwriting, and the strong income profits that come from this. By balancing EPS growth and disciplined capital policy, we will further increase our ROE. We will manage and run the business with a strong will. Your continued support is very much appreciated. Thank you very much, Mr. Komiya. Let me turn to Mr. Okada for capital policy. This is Okada, CFO. Let me cover shareholder returns and capital policy on page eight. Once again, as we have stated before, the basis of our shareholder return is dividends, and our policy is to realize DPS growth consistent with profit growth. The actual adjusted net income for fiscal year 2024, including the gains on sales of business-related equities, which constitutes the source of dividend, as explained by Mr. Komiya earlier, were revised up. DPS for fiscal year 2024 has also been revised up by JPY 10 from the midterm forecast to JPY 172, with a DPS growth of 40% year-over-year. For FY 2025, we expect a moving average growth in the source of dividend on the back of continued favorable profit levels. We will increase DPS by JPY 38 to JPY 210 and the DPS growth to 22%. Next, please turn to page nine. Our thinking towards capital level adjustment and share buybacks as a means to achieve this remain unchanged. In other words, capital generated through organic growth and portfolio review will first be used for M&A and risk-taking that will contribute to improving our ROE. If such opportunities do not arise, we will carry out share buybacks as we have no intention of unnecessarily accumulating capital. Also, since last year, we have announced that we will achieve 1-2% of EPS growth through share buybacks. In light of this, we have taken into consideration the effect on EPS growth. In other words, the ratio against our current market cap of JPY 11 trillion, the ESR level, our current pipeline of bolt-on M&As, and the risk-taking opportunities due to environmental changes, have led us to decide to set the amount of share buybacks for fiscal 2025 at JPY 220 billion for the year at this point in time. Today, buyback of JPY 110 billion as a first step was approved. Finally, regarding the sales of business-related equities, please turn to page 10. In fiscal year 2024, we ended up with a sale of JPY 922 billion, far exceeding our initial plan of JPY 600 billion as we reached agreement to sell from various customers, counterparts. We plan to continue accelerating sales in order to achieve the milestone of halving the balance at the end of fiscal year 2023 by the end of fiscal year 2026, as set out in the current midterm plan, and achieving zero by the end of fiscal year 2029. Therefore, for fiscal year 2025, although the overall market, for example, TOPIX, has fallen by about 4% compared to the beginning of last year, we have set a sales target of JPY 600 billion, the same amount as last year, as our initial plan. We will continue to execute our business strategy to raise both EPS and ROE and thereby respond to the expectations of the capital market, such as yourselves. That is all for me.