Group 1 - The total gross premium for the Hong Kong insurance industry reached HKD 637 billion in the first three quarters of 2025, representing a 32.5% increase [2] - The new policy premium for long-term business (excluding retirement plans) was HKD 264.5 billion, up 55.9%, with non-linked individual business contributing HKD 251.5 billion, an increase of 55.2% [2] - The total premium income for long-term effective business was HKD 554.1 billion, reflecting a 36.6% increase, with non-linked individual business at HKD 488.2 billion, up 36.2% [2] Group 2 - In general business, gross and net premiums were HKD 82.9 billion and HKD 56 billion, increasing by 10.5% and 8.3% respectively, while claims paid decreased by 0.9% [3] - The overall operating profit for general business was HKD 10.1 billion, a 50.5% increase, with underwriting profit rising to HKD 3.5 billion, up 63% [3] - Direct business gross and net premiums were HKD 44.2 billion and HKD 30.4 billion, increasing by 11.9% and 9.1% respectively [3] Group 3 - In the reinsurance business, gross and net premiums were HKD 38.7 billion and HKD 25.6 billion, showing increases of 9% and 7.3% respectively, while claims paid decreased by 8.2% [4] - The overall underwriting profit for reinsurance reached HKD 300 million, supported by the release of reserves from offshore property damage business [4] - As of September 30, 2025, total assets for general business increased to HKD 335.5 billion, with net assets at HKD 13.51 billion [4]