Zhong Guo Jin Rong Xin Xi Wang·2025-08-20 11:02Core Insights - ZhongAn Online reported a 108.9% increase in underwriting profit for the first half of 2025, with net profit attributable to shareholders reaching 668 million yuan, a significant increase of 1103.5% compared to the same period in 2024 [1][2] Business Performance - The health ecosystem generated a total premium of 6.275 billion yuan, reflecting a substantial growth of 38.3%, serving approximately 15.21 million insured users [2] - The automotive ecosystem capitalized on the growth of new energy vehicle insurance, achieving total premiums of 1.478 billion yuan, a year-on-year increase of 34.2%, with new energy vehicle insurance premiums soaring by approximately 125.4% [2] - The digital life ecosystem focused on innovative businesses and pet insurance, with total premiums reaching 6.209 billion yuan, where innovative business premiums accounted for 2.49 billion yuan, representing 40.1% of the total and a year-on-year growth of 40% [2] Technological Integration - ZhongAn Online has deeply integrated AI technology into its insurance business, with the self-developed AI platform "Zhongyou Lingxi" becoming a core engine for business transformation, covering the entire insurance process [1] - The AI platform had nearly 110 active robots, with a cumulative call volume of 450 million times in the first half of 2025, showcasing industry leadership [1] Digital Banking Development - ZA Bank, a subsidiary of ZhongAn International, has become one of the most comprehensive digital banks in the Hong Kong market, offering a full range of services including deposits, loans, transfers, card consumption, foreign exchange, insurance, investment, and corporate banking [2] - In the first half of 2025, ZA Bank achieved a historic turnaround, reporting a net profit of 49 million HKD [2]