DB Insurance (005830) plans to raise its consolidated shareholder return ratio to 40% by 2030 and increase dividend per share by more than 10% annually. The target replaces a previous goal of 35% on a separate basis for 2028 and is accompanied by a 50% separate-basis target for 2030. The insurer will prioritize sustainable balanced growth, focusing on distributable profit and capital efficiency rather than short-term business-volume expansion. It will manage its Korean Insurance Capital Standard (K-ICS) ratio between 150% and 220% and its dividend coverage ratio (DCR), which compares distributable profit with expected dividends, between 100% and 400%. DB Insurance set 180% for K-ICS and 200% for DCR as safety thresholds. It will use return on equity (ROE) as a core indicator, targeting a level at least 2 percentage points above its cost of equity, while improving insurance profitability and developing Fortegra’s U.S. and European operations.