Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Life insurance NPV under new regulations remains similar; general insurance revenue may drop 33-40% - Cost rationalization planned in digital marketing, sales, and customer support amid revenue pressure - Combined operating ratio model may enable volume growth via consumer pricing adjustments - Exploring manufacturing and MGA models to capture value from underwriting and risk management - No knee-jerk layoffs; hiring to slow with focus on productivity and calibrated growth - Regulatory consultation ongoing; implementation expected April 1, 2027, with FY27 unaffected - Emphasis on improving customer service and claims to drive industry growth - Potential to monetize non-distribution services like garage and hospital networks - No plans for acquiring small brokers; focus on internal DNA and employee growth - Manufacturing capability likely to defend financial position if regulatory benefits not passed to customers