Hong Kong people have demonstrated great courage facing the unprecedented challenges of COVID-19. In doing so, we have also shown to the world our remarkable resilience and perseverance. Despite the social distancing measures that have been in place over the past two years, the pandemic has actually brought all of us closer together and fuelled our determination to protect those close to our hearts. We at AIA, simultaneously dealing with the impact of the pandemic while serving as our customers' partner in protecting their families, feel more ardently than ever our sense of duty and commitment. To help our customers live Healthier, Longer, Better Lives, it is critical that we continue innovating and striving for ever-greater standards of professionalism, providing a holistic suite of well-designed health protection products and insurance solutions while meeting and exceeding customer expectations.

The Hong Kong SAR Government recently announced the "Primary Healthcare Blueprint", a progressive reform of the healthcare system designed to shift the focus of the present system from curative treatment to disease prevention. The spirit behind this blueprint resonates strongly with AIA. In our pursuit of innovation, we have continuously assessed the role that AIA can play in our customers' life journeys, from a fresh, out-of-the-box perspective. AIA pledges to be our customers' partner in helping them live healthy lives, and our "Health & Wellness 360" is a solid validation of this commitment. It goes beyond the established expectation that "insurance is about paying out claims only". AIA's "Health & Wellness 360" combines our strengths in technology, digitalisation and data analytics with our forward-looking philosophy to take care of customers' needs comprehensively along the entire health journey – from "Live Well", to "Protect Well", to "Get Well".

Hong Kong will capitalise on the opportunities that emerge along its path to normalcy. Talent is key to the city's triumphant return to the international stage as well as its future development. We will do our part by continuing to support youth development through the AIA Foundation, in particular AIA Scholarships. At the same time, we will leverage our professional knowledge to support the younger generation by helping them appreciate the importance of health protection and achieving financial health as early as possible. Our young people have unlimited potential. Those who are empowered with the financial literacy to make long-term plans with appropriate insurance protection early in life will be able to build solid foundations to fulfil their dreams. Thus, they can and will become the most formidable driving force in creating a brighter future for Hong Kong.

Sustainable development is also key to building a better future for the next generation. At AIA, we have not only committed to achieving net-zero GHG emissions by 2050 or earlier, but we have also sought to encourage people around us – our customers, business partners, staff and other stakeholders – to embrace a mindset conducive to sustainable development by deploying technology wisely and reducing consumption to mitigate the environmental impact of our daily operations. We hope to join hands with everyone in our efforts to build a sustainable society and protect our planet Earth.