Stable profit: 1) In 2022, the comprehensive cost rate of the reinsurance part of the agreement was 87%. In 2023, despite a series of natural disasters such as Du Surui, the comprehensive cost rate can still maintain the same level as in 2022. The volume of the agreement contract is large, and the premium scale is about RMB 15.4 billion. 2) In 2023, the estimated premium of non-water contracts is about RMB 2.6-2.8 billion, and the marginal benefit is about 3%. In 2023, the comprehensive cost ratio is expected to be about 93%. 3) The combination of agreed reinsurance and non-water overflow is considered by the reinsurance department to be the most suitable contract product for our company: the premium scale is stable, but the marginal contribution is stable;
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