Zhi Tong Cai Jing·2025-08-20 09:40Core Insights - The company reported a significant increase in total premium income, reaching RMB 16.661 billion, a year-on-year growth of 9.3% as of June 30, 2025 [1] - The comprehensive cost ratio improved by 2.3 percentage points to 95.6%, with underwriting profit soaring by 108.9% [1] - The net profit attributable to shareholders reached RMB 668 million, marking a substantial increase of 1103.5% compared to the same period in 2024 [1] AI and Technology Integration - The company is actively integrating AI, blockchain, cloud computing, and big data into its operations, leading the industry in AI technology adoption [2] - The proprietary AI platform "Zhong You Ling Xi" has become a core engine for business transformation, with nearly 110 active robots and a total of 450 million calls in the first half of 2025 [2] Core Business Performance - The health ecosystem's total premium reached RMB 6.275 billion, a year-on-year increase of 38.3%, providing coverage for approximately 15.21 million insured users [3] - The flagship health insurance product "Zunxiang eSheng" generated approximately RMB 4.25 billion in premiums, while the "Zhong Min Bao" series saw a staggering growth of 638.8% to RMB 1.03 billion [3] Digital Life Ecosystem - The digital life ecosystem generated premiums of RMB 6.209 billion, with innovative business premiums accounting for RMB 2.49 billion, a growth of 40% [4] - The pet insurance segment led the market with a premium of nearly RMB 563 million, growing over 51.3%, and serving over 7.11 million pet owners [4] Automotive Ecosystem - The automotive ecosystem achieved total premiums of RMB 1.478 billion, a year-on-year increase of 34.2% [5] - The company has independently operated compulsory traffic insurance in Shanghai and Zhejiang, and the premium for new energy vehicle insurance grew by approximately 125.4% [5] ZA Bank Performance - ZA Bank, a subsidiary of the company, achieved a historic turnaround with a net profit of HKD 49 million and a revenue of approximately HKD 457 million, reflecting an 82.1% year-on-year growth [7] - The bank has become one of the most comprehensive digital banks in Hong Kong, offering a wide range of financial services and is set to launch Hong Kong stock trading services [6][7]