The increased earnings were driven by higher margins on Individual Wealth Management products; particularly the redesigned and repriced segregated fund product and strong growth in the Group Benefits inforce block.

• 盈利增加是由于个人理财管理产品的边际溢利上升,特别是独立基金产品重新设计及订价,以及团体保障业务生效保单大幅增长。