ING Life Korea announced second quarter and six months of 2018. For the quarter, the company reported operating result before tax reduced 6.5%. That more than offset the first quarter positive growth of 1.7% to leave down 2.8% on a year to date basis. Premium income rose 4%, and that's because BA is delivering more single-premium business and shying away from the regular premium Savings business, which is been the core of their business over the past several years. Quarterly profits were all lower than prior year for the quarter after higher Protection APE led to increased new business strain, although profit after tax still improved on a YTD basis. For six months profit after tax increased 1.2% on a YTD basis. The difference between these 2 figures is the operating result before tax does not include realized gains.