Stay Calm and Follow These Steps
Step 1: Locate your phone using Find My iPhone (iCloud.com) or Find My Device (google.com/android/find). Step 2: Remotely lock it. Step 3: Call your carrier to suspend the line. Step 4: Change passwords for Google/Apple ID, LINE, SNS, and banking. Step 5: File a lost property report at the nearest police station.
Prepare in Advance
Always enable screen lock, turn on Find My Phone, set a SIM PIN, and back up data to the cloud.