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    Amy Chan • Citigroup Inc.

    No publicly available information confirms the existence of an Amy Chan working as an analyst at Citigroup Inc. with a verifiable track record, defined coverage universe, or professional credentials in equity research. No LinkedIn profile or credible analyst profiles associate Amy Chan with Citigroup in an analyst capacity, nor are there available performance metrics, rankings, or details about securities licensing or career history at notable firms. Searches for analyst directories, regulatory registrations, and major financial research platforms return no matching results. It is possible Amy Chan is not a public-facing equity analyst at Citi or does not hold an analyst position with exposure to major external rankings or performance metrics.

    Amy Chan's questions to Huize Holding Ltd (HUIZ) leadership

    Amy Chan's questions to Huize Holding Ltd (HUIZ) leadership • Q1 2025

    Question

    Amy Chan of Citi inquired about the disparity between the year-over-year decline in First Year Premiums (FYP) and the increase in selling expenses for Q1 2025. She also asked for the sales outlook for the remainder of the year, particularly in light of an anticipated insurance pricing rate cut in the third quarter.

    Answer

    Co-CFO Ronald Tam addressed the questions, explaining that the Q1 FYP decline was compared against a high base in Q1 2024, which benefited from 'rush sales' ahead of a previous pricing cut. He attributed the expense gap partly to the lower gross margins of the growing international business. For the outlook, Mr. Tam stated that Q1 was likely the 'rock bottom' for the year, with Q2 showing a revival. He anticipates a rush in sales in Q3, especially in July and August, ahead of the expected rate cut, though he noted the effect might be more muted than in previous instances.

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