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    Michelle Ma • Citigroup Inc.

    Michelle Ma is an Analyst at Citi Research, focusing on equity research and investment analysis within the Asia-Pacific region. She is noted as a research analyst covering companies such as BOC Aviation, with a specialization in financial services and aviation-related sectors. While her performance metrics and ranking data are not publicly available, she is consistently listed among Citi’s key research professionals covering major listed firms in the sector. Michelle Ma has held her current role with Citi Research for several years and is recognized for her sector expertise and institutional insights, though specific credentials or previous firm experience are not available in the public domain.

    Michelle Ma's questions to Huize Holding Ltd (HUIZ) leadership

    Michelle Ma's questions to Huize Holding Ltd (HUIZ) leadership • Q2 2024

    Question

    Michelle Ma asked for details on Huize's international business strategy, questioning the rationale for entering multiple new overseas markets in a short period rather than focusing on developing one market at a time, given the diverse regulatory environments.

    Answer

    Co-CFO Kwok Ho Tam stated that strong results in Hong Kong encouraged further expansion. He clarified the Vietnam entry was a 'buy and build' M&A strategy with a local partner (Global Care) similar to Huize, minimizing risk. For future expansion into markets like the Philippines, Indonesia, or Singapore, the strategy will be flexible, involving JVs with strong local partners where Huize provides technology and product expertise. The company aims for international revenue to be 30% of the group total by 2026.

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    Michelle Ma's questions to Prudential PLC (PUK) leadership

    Michelle Ma's questions to Prudential PLC (PUK) leadership • Q1 2023

    Question

    Inquired about the key geographic drivers for the NBP growth target and the risk of negative investment spreads in the China business.

    Answer

    Management expects growth to come largely from Greater China (especially Hong Kong) and key ASEAN markets (Singapore, Malaysia, Vietnam, Indonesia). Regarding China, the CFO and Chief Risk Officer stated the business has a robust risk management framework and a strong ALM (Asset Liability Management) muscle. With a diverse in-force book and asset portfolio, they have no concerns about negative investment spread risk.

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