ZA Online has announced its interim results for the six months ended June 30, 2026, with insurance service revenue reaching RMB 16.989 billion, a year-on-year increase of 12.95%. The company's profit attributable to shareholders surged 132.18% to RMB 1.55 billion, translating to basic earnings per share of RMB 0.92.

During the first half of 2026, the company generated total premiums of RMB 16.558 billion, representing a slight decrease of 0.6% year-on-year, while insurance service revenue climbed 12.9% to RMB 16.989 billion. Adhering to its strategy of high-quality growth, the company's comprehensive cost ratio improved to 95.5% during the period, a 0.1 percentage point enhancement compared to the same period in 2025. This comprised a comprehensive loss ratio of 56.9% and a comprehensive expense ratio of 38.6%.

The company achieved underwriting profit of RMB 773 million in the first half of 2026, representing a 17.8% improvement over the corresponding period in 2025. Meanwhile, benefiting from the upward movement in the equity markets, total investment income from insurance investment assets grew substantially by 150.0% year-on-year to reach RMB 1.596 billion. This contributed to the group's net profit attributable to shareholders of the parent company increasing by 132.2% to RMB 1.55 billion during the period.

ZA Bank remains dedicated to building a one-stop digital financial services platform in Hong Kong, offering comprehensive, convenient, and inclusive financial services to retail users and small and medium-sized enterprises. Currently, ZA Bank has established itself as one of the most feature-rich digital banks in the Hong Kong market, delivering a fully digitalised mobile banking experience through its one-stop integrated digital financial services platform. In the first half of 2026, ZA Bank generated net income of HK$578 million, up 26.6% year-on-year, and achieved net profit of HK$71 million, approximately 1.5 times that of the same period last year.

As of June 30, 2026, the group's total assets stood at RMB 47.562 billion and net assets at RMB 26.939 billion, representing increases of 1.8% and 5.9% respectively compared to the end of last year. The comprehensive solvency adequacy ratio reached 287.7%, an increase of 45.2 percentage points from the end of 2025, maintaining a comfortable level. Supported by its robust operations and solid capital position, the company's Moody's insurance financial strength rating was further upgraded to A3.