...I am Kamezawa. Thank you for taking time out of your busy schedule today to attend our MUFG IR presentation. CFO, Togawa explained the financial results at the online conference call the other day. So today, I would like to talk mainly about the review of the medium-term business plans, targets and progress. Please turn to Page 6 of the material. In FY24, net profits reached JPY1,862.9 billion, a new record high for two consecutive years, and ROE was 9.9%, achieving the MTBP target of 9% in the first year of the plan. Please look at the chart on the right. For the purpose of balance sheet management, we recorded loss on sale mainly on foreign bonds, utilizing one-off gains such as gain on sale of equity holdings and reversal of large overseas loan loss provisions. But the profit increase was driven by strong growth in customer segments NOP and increase in equity earnings, mainly from Morgan Stanley. Please turn to Page 7. The step chart on the right shows factors behind the changes in NOP....
