We’ll try very hard to keep this year’s profit equal to last year’s.

Nobody (in the industry) knows when the worst for the card crisis will come. We would be happy if our banking unit can break even this year.

Our strategy is to continue increasing our stake in the real estate market.

We hope that hedging costs [for overseas investments] already achieved a peak level last year.

We don’t know whether the card debt problem has peaked, but we expect the impact will ease off during the second half of the year.