UBS Evidence Lab: Up-selling protection products to drive NBV growth; Internet not a major threat Line in the sand The Renewable Cost Deflation Trends Continue Watch out for falling NIMs and rising SME/retail risks in FY17 Back to normal growth 2H16 results：Overlooking the net income miss，in anticipation of new guidance later today Key Headlines 10 key AGBT takeaways Weak 4Q16 results on crop loss; robust and feasible 2017 guidance released What You May Have Missed: More sustainable growth less than a “Sunrise” away