The ROE target of at least 10% under the Medium Term Business Plan is a product of the Company's net income ratio (profitability), total asset turnover (efficiency) and financial leverage (soundness). Our FY2016 objectives are stated as achieving benchmarks that include profitability of at least 5% through transforming the focus of our business and greater capacity to generate profits, efficiency of at least 1.0 drawing on balance sheet management, and financial soundness of 2.0 by ensuring a sound financial position. This slide shows where FY2015 is positioned in terms of these targets for FY2016. For reference purposes, FY2014 initiatives, and results of those initiatives, are also provided.