1HFY18 results preview 3Q results core earnings up by 38%;reiterate Buy 3Q17 results - decent OP numbers but investment losses; maintain Buy Consensus low; undemanding valuation; Buy re-iterated 3Q17: A solid top-line eroded by higher costs and D&A Attractive entry, even if privatized;Upgrade to Buy 3Q17 result: some signs of cost pressure in Q4 3Q17 - key takeaways from conference call 3Q17 – Strong profits on lower claims and expense ratios 3Q17 – Decent results with strong agency FYP growth