The increased earnings were driven by improved margins in Individual Insurance and Individual Wealth Management businesses partially offset by less favourable long-term disability claims results in Group Benefits.

• 盈利增加是因为个人保险及个人理财业务边际溢利上升所致,但由于团体保险之长期伤残理赔表现未如理想,抵销部分的盈利收入。