3Q17 – Strong profits on lower claims and expense ratios 3Q17 – Decent results with strong agency FYP growth 3Q17 – strong earnings, VNB growth deceleration should prove temporary Large portion of NAV story unlocked;downgrade to Hold 3Q17 slightly miss but limited impact on FY17; Buy Follow the Chairman Hold: 9M2017 results ? A mixed bag Buy: Slowly narrowing the credit cost gap vs. peers Buy: Across-the-board China impact continues Hold: Keeping up the loan growth momentum