@Bunifa Latif：
$HSI(HSI)$ $China Pacific Insurance (Group) Co., Ltd.(601601)$ $China Pacific Insurance Group Co Ltd(CHPXF)$ $PICC P&C(02328)$ Hong Kong/China Insurers – Beneficiaries of China’s reopening & ageing population Recently released FY22 results of the sector were unsurprising in continuing the trends from 9M22 where NBV, margins and earnings declined due to the negative impact from the pandemic. With the soft FY22 results and falls in NBV over the past three years of the pandemic now behind us, we take on a more constructive outlook for the sector with a robust V-shape