Recently, the international authoritative rating agency Morgan Stanley Capital International (abbreviated as &#34;MSCI&#34;) released the latest ESG rating results. ZhongAn Online P&amp;C Insurance Co., Ltd. (hereinafter referred to as &#34;ZhongAn Online&#34; or &#34;the Company&#34;) has had its MSCI ESG rating upgraded from BBB to A, marking a high recognition of the company's sustainable development capabilities and ESG management practices in the international capital market.
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(ZhongAn Online MSCI ESG historical rating results)
Rating Basis
The 2026 MSCI ESG rating report indicates that responsible investment is the core driving force behind this rating upgrade. At the same time, the company's human capital development management practices have been continuously strengthened, performing on par with peers; privacy and data security performance leads the industry, and corporate governance and business conduct remain robust and high-quality, with room for improvement in climate change vulnerability management. This series of breakthroughs not only confirms the increasingly mature ESG management system of ZhongAn Online but also highlights the company's firm commitment to actively practicing the development philosophy of &#34;technology-driven finance, providing insurance with warmth.&#34;
The MSCI ESG rating is a core benchmark for the global capital market to measure a company's long-term ESG risks and sustainable competitiveness. With its high authority and credibility, it has become an important reference for investment decision-making by institutions both domestically and internationally. This rating upgrade is an authoritative affirmation of ZhongAn Online's ESG governance effectiveness, risk management level, and long-term value creation capability in the international market. As China's first internet insurance company, ZhongAn Online uses &#34;insurance + technology&#34; as its dual engines, insisting on integrating sustainable development throughout its entire operational process, using technology as a link to deeply incorporate &#34;green, inclusive, and digital&#34; into all aspects of the insurance value chain.
In recent years, the company has continuously focused on key ESG topics: improving the ESG governance structure and institutional system, promoting the embedding of ESG concepts into product development, investment decision-making, and risk management processes; strengthening human capital construction, optimizing talent development and employee care mechanisms; upgrading data security and privacy protection systems, building a solid digital insurance safety defense line; deepening responsible investment by fully incorporating ESG factors into investment management; and steadily advancing green operations and green insurance innovations to support low-carbon transformation.
Looking ahead, &#34;strict compliance operations, providing insurance with warmth, valuing humanistic care, sharing a green ecosystem, and giving back to social livelihoods&#34; remain the five core strategic directions for ZhongAn Online to practice ESG concepts and fulfill environmental and social responsibilities. ZhongAn Online will continue to take ESG as the core of its long-term development, continuously optimize climate change risk management, consolidate advantages in responsible investment, human capital, data security, and other areas, and continuously improve ESG management and practice levels, providing better services to customers, delivering more stable value returns to shareholders, and fulfilling social responsibilities with more concrete actions, embarking on a new journey of high-quality sustainable development
ZA ONLINE adheres to the &#34;Insurance + Technology&#34; dual-engine strategy, continuously empowering the insurance value chain with AI and leading the industry's digital transformation. Recently, ZA ONLINE disclosed its performance as of December 31, 2025, achieving a total premium of RMB 35.735 billion, a year-on-year increase of 6.9%, maintaining its position as the eighth largest in the domestic property insurance industry. At the same time, the company's underwriting comprehensive cost ratio improved to 95.8%, a year-on-year improvement of 1.1 percentage points, achieving an underwriting profit of RMB 1.412 billion, a year-on-year increase of 42.5%, marking five consecutive years of underwriting profitability. The company's adjusted net profit attributable to the parent reached RMB 1.8 billion, a year-on-year surge of 198.3%, with steadily improving profit quality. Additionally, the company has fully implemented the One AI strategy, creating a deep closed loop of &#34;data foundation, engine-driven, and full-scene implementation.&#34; As of now, the company has 220 active robots, aiming for over 2 billion large model calls by 2025, consuming over 30 trillion tokens, promoting deep integration of technology into the entire insurance value chain, and effectively translating into high-quality operational results

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ZhongAn Online P&C Insurance Co., Ltd.'s MSCI ESG rating has been upgraded from BBB to A, marking international recognition of its sustainability capabilities and ESG management practices. This rating upgrade reflects the company's performance in responsible investment, human capital management, privacy, and data security, highlighting its development concept of "technology-driven finance." ZhongAn Online is committed to integrating sustainability into its entire business process, promoting green operations and innovation

ZA ONLINE's MSCI ESG rating has risen to A level! Sustainable development reaches a new height