Year 2025 - Surviving and thriving in challenging time 砥礪而立，逆勢奮進

69 2024 年刊與 2025 展望 YEARBOOK 2024 & PROSPECT 2025 So you can worry less about the risk and focus on the opportunity. This content is brought to you by QBE Hongkong & Shanghai Insurance Limited, QBE Insurance (Singapore) Pte. Ltd., QBE Insurance (Malaysia) Berhad and QBE Insurance (Vietnam) Co. Ltd. (“QBE Asia”) as general information only and is not intended to constitute advice (specific, professional, legal or otherwise) to a user, recommendations,constituteanoffer,solicitationor invitationtobuyorsellany insuranceproductorservice. It isnotacontractof insurance.QBEAsiamakesnorepresentationsorwarrantiesasto itsaccuracy,completeness,orreliability. Thiscontentmay include theviewsor recommendationsof thirdpartiesanddoesnotnecessarily reflect theviewsofQBEAsiaor indicateacommitment toaparticularcourseofaction.References in thiscontent (ifany) toanyspecificproduct,process,orservice,and links from thiscontent to thirdpartywebsites,donotconstituteor implyanendorsementor recommendationbyQBEAsiaand shallnotbeused foradvertisingor service/productendorsementpurposes.QBEAsia isnot liableor responsible toanyperson forany injury, lossordamagesofanynature, includingwithout limitation,direct, indirect, incidental, special,consequential,orpunitivedamages whatsoeverarising fromor incurredbytheuseof,relianceonor interpretationofthe information.YouruseofanyofthisReport isatyoursoleandabsoluterisk. QBEAsiareservestherighttomodifyorupdatethereportatanytimewithoutnotice.Anyunauthoriseduseofthe information isstrictlyprohibited. QBE has been in Asia for more than 120 years with representation in Hong Kong, Singapore, Malaysia and Vietnam. To tailor the best solutions for our customers, we combine in-depth local knowledge in each individual market and draw on the collective global resources of the entire QBE Group to provide commercial, personal and specialty products and risk management solutions. Our success is built on the strength of our partnerships with professional insurance brokers, agents and financial advisors. As a business insurance specialist, QBE Asia offers a range of insurance products from the standard suite of property and casualty to the specialist financial lines, marine and construction. All are tailored to the individual needs of our small, medium and large customer base. QBE Asia is part of the International Division of QBE Insurance Group Limited, a general insurance and reinsurance company, headquartered in Sydney and listed on the Australia Securities Exchange (ASX). To learn more about QBE Hong Kong, please visit We create insurance solutions QBE.com/hk