ZhongAn Online: Adjusted net profit attributable to parent in 2025 is 1.8 billion yuan, a year-on-year increase of 198.3%.

LightningPacketLoss · 2026-03-28T09:00:07+00:00

ZhongAn Online achieved a total premium income of 35.735 billion yuan in 2025, a year-on-year increase of 6.9%, ranking 8th in the domestic property and casualty insurance industry. Underwriting profit was 1.412 billion yuan, up 42.5% year-on-year, and net profit attributable to the parent was 1.8 billion yuan, a year-on-year increase of 198.3%. ZA Bank's net income was HKD 892 million, a year-on-year increase of 62.7%. The group's assets reached HKD 46.71 billion, achieving steady growth.

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2026-03-28 09:00:07

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On March 19, ZhongAn Online released its full-year performance announcement for 2025. In 2025, the company achieved a total premium of RMB 35.735 billion, a year-on-year increase of 6.9%, and insurance service revenue of RMB 33.485 billion, a year-on-year increase of 5.5%. In 2025, based on total premiums, ZhongAn Insurance ranked 8th in the domestic property insurance industry, with its market share further increased.

The underwriting comprehensive cost ratio for 2025 was 95.8%, an improvement of 1.1 percentage points compared to the same period in 2024, with a combined loss ratio of 57.1% and a comprehensive expense ratio of 38.7%. In 2025, the company achieved an underwriting profit of RMB 1.412 billion, an increase of 42.5% from 2024. Additionally, thanks to a strong performance in the capital markets, the total investment income of domestic insurance assets increased by 59.1% compared to last year, reaching RMB 2.124 billion. In summary, the company’s adjusted net profit attributable to shareholders for 2025 was RMB 1.8 billion, a year-on-year increase of 198.3%.

Throughout 2025, ZA Bank maintained a rapid growth momentum, achieving net income of HKD 892 million, a year-on-year increase of 62.7%, driven by the high growth of non-interest income. With the rapid growth of income, scale effects became apparent, and ZA Bank’s cost-to-income ratio improved by 32 percentage points year-on-year, achieving a historical breakthrough with an annual net profit of HKD 17.27 million.

As of December 31, 2025, the group’s total assets were RMB 46.710 billion, and net assets were RMB 25.449 billion, an increase of 3.1% and 21.6% compared to the beginning of the year, respectively; the comprehensive solvency adequacy ratio was 242%, maintaining a sufficient level. Due to prudent operations and ample capital, the company received a Moody’s insurance financial strength rating of Baa1 and a Baa2 senior unsecured debt rating (investment grade), with the outlook revised to positive.

(ZhongAn Online)

(Edited by Qian Xiaorui)

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