<?xml version="1.0" encoding="UTF-8"?>
      <urlset 
        xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" 
        xmlns:xhtml="http://www.w3.org/1999/xhtml"><url><loc>https://www.fwd.com/zh/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/"/></url><url><loc>https://www.fwd.com/en/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/"/></url><url><loc>https://www.fwd.com/zh/join-us/our-internship-programme/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/join-us/our-internship-programme/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/join-us/our-internship-programme/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/join-us/our-internship-programme/"/></url><url><loc>https://www.fwd.com/en/join-us/our-internship-programme/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/join-us/our-internship-programme/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/join-us/our-internship-programme/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/join-us/our-internship-programme/"/></url><url><loc>https://www.fwd.com/zh/about-us/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/"/></url><url><loc>https://www.fwd.com/en/about-us/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/"/></url><url><loc>https://www.fwd.com/zh/join-us/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/join-us/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/join-us/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/join-us/"/></url><url><loc>https://www.fwd.com/en/join-us/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/join-us/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/join-us/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/join-us/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/alex-wong/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/alex-wong/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/alex-wong/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/alex-wong/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/alex-wong/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/alex-wong/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/alex-wong/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/alex-wong/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/craig-tunstall/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/craig-tunstall/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/craig-tunstall/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/craig-tunstall/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/craig-tunstall/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/craig-tunstall/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/craig-tunstall/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/craig-tunstall/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/peter-reynolds/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/peter-reynolds/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/peter-reynolds/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/peter-reynolds/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/peter-reynolds/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/peter-reynolds/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/peter-reynolds/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/peter-reynolds/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/ryan-kim/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/ryan-kim/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/ryan-kim/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/ryan-kim/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/ryan-kim/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/ryan-kim/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/ryan-kim/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/ryan-kim/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/lee-yen-ho/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/lee-yen-ho/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/lee-yen-ho/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/lee-yen-ho/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/lee-yen-ho/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/lee-yen-ho/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/lee-yen-ho/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/lee-yen-ho/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/julie-chow/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/julie-chow/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/julie-chow/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/julie-chow/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/julie-chow/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/julie-chow/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/julie-chow/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/julie-chow/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/ken-lau/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/ken-lau/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/ken-lau/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/ken-lau/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/ken-lau/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/ken-lau/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/ken-lau/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/ken-lau/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/binayak-dutta/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/binayak-dutta/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/binayak-dutta/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/binayak-dutta/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/binayak-dutta/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/binayak-dutta/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/binayak-dutta/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/binayak-dutta/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/sid-sankaran/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/sid-sankaran/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/sid-sankaran/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/sid-sankaran/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/sid-sankaran/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/sid-sankaran/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/sid-sankaran/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/sid-sankaran/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/huynh-thanh-phong/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/huynh-thanh-phong/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/huynh-thanh-phong/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/huynh-thanh-phong/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/huynh-thanh-phong/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/huynh-thanh-phong/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/huynh-thanh-phong/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/huynh-thanh-phong/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/david-junius/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/david-junius/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/david-junius/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/david-junius/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/david-junius/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/david-junius/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/david-junius/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/david-junius/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/david-korunić/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/david-korunić/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/david-korunić/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/david-korunić/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/david-korunić/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/david-korunić/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/david-korunić/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/david-korunić/"/></url><url><loc>https://www.fwd.com/zh/investors/latest-announcements/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/latest-announcements/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/latest-announcements/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/latest-announcements/"/></url><url><loc>https://www.fwd.com/en/investors/latest-announcements/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/latest-announcements/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/latest-announcements/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/latest-announcements/"/></url><url><loc>https://www.fwd.com/zh/search/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/search/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/search/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/search/"/></url><url><loc>https://www.fwd.com/en/search/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/search/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/search/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/search/"/></url><url><loc>https://www.fwd.com/zh/about-us/financial-notices/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/financial-notices/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/financial-notices/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/financial-notices/"/></url><url><loc>https://www.fwd.com/en/about-us/financial-notices/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/financial-notices/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/financial-notices/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/financial-notices/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/"/></url><url><loc>https://www.fwd.com/zh/esg/community-care/ja-sparkthedream/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/esg/community-care/ja-sparkthedream/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/esg/community-care/ja-sparkthedream/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/esg/community-care/ja-sparkthedream/"/></url><url><loc>https://www.fwd.com/en/esg/community-care/ja-sparkthedream/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/esg/community-care/ja-sparkthedream/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/esg/community-care/ja-sparkthedream/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/esg/community-care/ja-sparkthedream/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-publishes-2026-interim-report/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-publishes-2026-interim-report/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-publishes-2026-interim-report/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-publishes-2026-interim-report/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-publishes-2026-interim-report/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-publishes-2026-interim-report/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-publishes-2026-interim-report/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-publishes-2026-interim-report/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-record-profit-amid-continued-growth/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-record-profit-amid-continued-growth/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-record-profit-amid-continued-growth/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-record-profit-amid-continued-growth/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-record-profit-amid-continued-growth/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-record-profit-amid-continued-growth/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-record-profit-amid-continued-growth/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-record-profit-amid-continued-growth/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-13-years-with-charitable-grants-benefitting-over-13000-people-across-Asia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-13-years-with-charitable-grants-benefitting-over-13000-people-across-Asia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-13-years-with-charitable-grants-benefitting-over-13000-people-across-Asia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-13-years-with-charitable-grants-benefitting-over-13000-people-across-Asia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-13-years-with-charitable-grants-benefitting-over-13000-people-across-Asia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-13-years-with-charitable-grants-benefitting-over-13000-people-across-Asia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-13-years-with-charitable-grants-benefitting-over-13000-people-across-Asia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-13-years-with-charitable-grants-benefitting-over-13000-people-across-Asia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Jeffrey-Woo-as-President-Director-of-FWD-Indonesia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Jeffrey-Woo-as-President-Director-of-FWD-Indonesia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Jeffrey-Woo-as-President-Director-of-FWD-Indonesia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Jeffrey-Woo-as-President-Director-of-FWD-Indonesia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Jeffrey-Woo-as-President-Director-of-FWD-Indonesia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Jeffrey-Woo-as-President-Director-of-FWD-Indonesia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Jeffrey-Woo-as-President-Director-of-FWD-Indonesia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Jeffrey-Woo-as-President-Director-of-FWD-Indonesia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Martin-Zingg-to-Board-of-Directors/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Martin-Zingg-to-Board-of-Directors/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Martin-Zingg-to-Board-of-Directors/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Martin-Zingg-to-Board-of-Directors/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Martin-Zingg-to-Board-of-Directors/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Martin-Zingg-to-Board-of-Directors/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Martin-Zingg-to-Board-of-Directors/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Martin-Zingg-to-Board-of-Directors/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-strong-first-quarter-new-business-update-adding-to-its-consistent-track-record-of-financial-performance/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-strong-first-quarter-new-business-update-adding-to-its-consistent-track-record-of-financial-performance/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-strong-first-quarter-new-business-update-adding-to-its-consistent-track-record-of-financial-performance/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-strong-first-quarter-new-business-update-adding-to-its-consistent-track-record-of-financial-performance/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-strong-first-quarter-new-business-update-adding-to-its-consistent-track-record-of-financial-performance/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-strong-first-quarter-new-business-update-adding-to-its-consistent-track-record-of-financial-performance/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-strong-first-quarter-new-business-update-adding-to-its-consistent-track-record-of-financial-performance/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-strong-first-quarter-new-business-update-adding-to-its-consistent-track-record-of-financial-performance/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-makes-key-hire-for-its-high-net-worth-business-Mark-Bensman-to-join-as-Chief-Officer-FWD-High-Net-Worth/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-makes-key-hire-for-its-high-net-worth-business-Mark-Bensman-to-join-as-Chief-Officer-FWD-High-Net-Worth/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-makes-key-hire-for-its-high-net-worth-business-Mark-Bensman-to-join-as-Chief-Officer-FWD-High-Net-Worth/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-makes-key-hire-for-its-high-net-worth-business-Mark-Bensman-to-join-as-Chief-Officer-FWD-High-Net-Worth/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-makes-key-hire-for-its-high-net-worth-business-Mark-Bensman-to-join-as-Chief-Officer-FWD-High-Net-Worth/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-makes-key-hire-for-its-high-net-worth-business-Mark-Bensman-to-join-as-Chief-Officer-FWD-High-Net-Worth/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-makes-key-hire-for-its-high-net-worth-business-Mark-Bensman-to-join-as-Chief-Officer-FWD-High-Net-Worth/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-makes-key-hire-for-its-high-net-worth-business-Mark-Bensman-to-join-as-Chief-Officer-FWD-High-Net-Worth/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-publishes-its-first-annual-report-as-a-Hong-Kong-listed-company/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-publishes-its-first-annual-report-as-a-Hong-Kong-listed-company/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-publishes-its-first-annual-report-as-a-Hong-Kong-listed-company/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-publishes-its-first-annual-report-as-a-Hong-Kong-listed-company/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-publishes-its-first-annual-report-as-a-Hong-Kong-listed-company/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-publishes-its-first-annual-report-as-a-Hong-Kong-listed-company/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-publishes-its-first-annual-report-as-a-Hong-Kong-listed-company/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-publishes-its-first-annual-report-as-a-Hong-Kong-listed-company/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-senior-leadership-appointments/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-senior-leadership-appointments/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-senior-leadership-appointments/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-senior-leadership-appointments/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-senior-leadership-appointments/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-senior-leadership-appointments/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-senior-leadership-appointments/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-senior-leadership-appointments/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-delivers-record-full-year-2025-results-with-profitable-growth-improved-capital-and-cash-flow-generation/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-delivers-record-full-year-2025-results-with-profitable-growth-improved-capital-and-cash-flow-generation/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-delivers-record-full-year-2025-results-with-profitable-growth-improved-capital-and-cash-flow-generation/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-delivers-record-full-year-2025-results-with-profitable-growth-improved-capital-and-cash-flow-generation/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-delivers-record-full-year-2025-results-with-profitable-growth-improved-capital-and-cash-flow-generation/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-delivers-record-full-year-2025-results-with-profitable-growth-improved-capital-and-cash-flow-generation/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-delivers-record-full-year-2025-results-with-profitable-growth-improved-capital-and-cash-flow-generation/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-delivers-record-full-year-2025-results-with-profitable-growth-improved-capital-and-cash-flow-generation/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-survey-reveals-over-70-per-cent-of-Asias-middle-class-feel-anxiety-about-financial-wellbeing-preventing-longer-term-planning/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-survey-reveals-over-70-per-cent-of-Asias-middle-class-feel-anxiety-about-financial-wellbeing-preventing-longer-term-planning/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-survey-reveals-over-70-per-cent-of-Asias-middle-class-feel-anxiety-about-financial-wellbeing-preventing-longer-term-planning/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-survey-reveals-over-70-per-cent-of-Asias-middle-class-feel-anxiety-about-financial-wellbeing-preventing-longer-term-planning/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-survey-reveals-over-70-per-cent-of-Asias-middle-class-feel-anxiety-about-financial-wellbeing-preventing-longer-term-planning/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-survey-reveals-over-70-per-cent-of-Asias-middle-class-feel-anxiety-about-financial-wellbeing-preventing-longer-term-planning/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-survey-reveals-over-70-per-cent-of-Asias-middle-class-feel-anxiety-about-financial-wellbeing-preventing-longer-term-planning/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-survey-reveals-over-70-per-cent-of-Asias-middle-class-feel-anxiety-about-financial-wellbeing-preventing-longer-term-planning/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-strong-new-business-growth/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-strong-new-business-growth/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-strong-new-business-growth/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-strong-new-business-growth/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-strong-new-business-growth/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-strong-new-business-growth/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-strong-new-business-growth/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-strong-new-business-growth/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/Craig-Tunstall-appointed-Interim-Group-Chief-Risk-Officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/Craig-Tunstall-appointed-Interim-Group-Chief-Risk-Officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/Craig-Tunstall-appointed-Interim-Group-Chief-Risk-Officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/Craig-Tunstall-appointed-Interim-Group-Chief-Risk-Officer/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/Craig-Tunstall-appointed-Interim-Group-Chief-Risk-Officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/Craig-Tunstall-appointed-Interim-Group-Chief-Risk-Officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/Craig-Tunstall-appointed-Interim-Group-Chief-Risk-Officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/Craig-Tunstall-appointed-Interim-Group-Chief-Risk-Officer/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-establishes-AI-Lab-in-Singapore-with-EDB-support/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-establishes-AI-Lab-in-Singapore-with-EDB-support/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-establishes-AI-Lab-in-Singapore-with-EDB-support/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-establishes-AI-Lab-in-Singapore-with-EDB-support/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-establishes-AI-Lab-in-Singapore-with-EDB-support/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-establishes-AI-Lab-in-Singapore-with-EDB-support/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-establishes-AI-Lab-in-Singapore-with-EDB-support/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-establishes-AI-Lab-in-Singapore-with-EDB-support/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-posts-record-1H-in-first-results-as-a-public-company/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-posts-record-1H-in-first-results-as-a-public-company/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-posts-record-1H-in-first-results-as-a-public-company/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-posts-record-1H-in-first-results-as-a-public-company/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-posts-record-1H-in-first-results-as-a-public-company/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-posts-record-1H-in-first-results-as-a-public-company/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-posts-record-1H-in-first-results-as-a-public-company/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-posts-record-1H-in-first-results-as-a-public-company/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-12th-anniversary-with-12-community-grants/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-12th-anniversary-with-12-community-grants/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-12th-anniversary-with-12-community-grants/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-12th-anniversary-with-12-community-grants/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-12th-anniversary-with-12-community-grants/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-12th-anniversary-with-12-community-grants/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-12th-anniversary-with-12-community-grants/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-12th-anniversary-with-12-community-grants/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-build-out-of-high-net-worth-hub-in-Asia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-build-out-of-high-net-worth-hub-in-Asia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-completes-build-out-of-high-net-worth-hub-in-Asia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-build-out-of-high-net-worth-hub-in-Asia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-completes-build-out-of-high-net-worth-hub-in-Asia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-build-out-of-high-net-worth-hub-in-Asia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-completes-build-out-of-high-net-worth-hub-in-Asia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-build-out-of-high-net-worth-hub-in-Asia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-begins-trading-as-a-publicly-listed-company/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-begins-trading-as-a-publicly-listed-company/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-begins-trading-as-a-publicly-listed-company/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-begins-trading-as-a-publicly-listed-company/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-begins-trading-as-a-publicly-listed-company/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-begins-trading-as-a-publicly-listed-company/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-begins-trading-as-a-publicly-listed-company/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-begins-trading-as-a-publicly-listed-company/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-allotment-results-of-global-offering/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-allotment-results-of-global-offering/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-allotment-results-of-global-offering/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-allotment-results-of-global-offering/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-allotment-results-of-global-offering/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-allotment-results-of-global-offering/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-allotment-results-of-global-offering/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-allotment-results-of-global-offering/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-details-of-proposed-listing-on-the-Main-Board-of-HKEX/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-details-of-proposed-listing-on-the-Main-Board-of-HKEX/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-details-of-proposed-listing-on-the-Main-Board-of-HKEX/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-details-of-proposed-listing-on-the-Main-Board-of-HKEX/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-details-of-proposed-listing-on-the-Main-Board-of-HKEX/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-details-of-proposed-listing-on-the-Main-Board-of-HKEX/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-details-of-proposed-listing-on-the-Main-Board-of-HKEX/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-details-of-proposed-listing-on-the-Main-Board-of-HKEX/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Lau-Soon-Liang-as-President-CEO-of-FWD-Philippines/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Lau-Soon-Liang-as-President-CEO-of-FWD-Philippines/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Lau-Soon-Liang-as-President-CEO-of-FWD-Philippines/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Lau-Soon-Liang-as-President-CEO-of-FWD-Philippines/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Lau-Soon-Liang-as-President-CEO-of-FWD-Philippines/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Lau-Soon-Liang-as-President-CEO-of-FWD-Philippines/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Lau-Soon-Liang-as-President-CEO-of-FWD-Philippines/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Lau-Soon-Liang-as-President-CEO-of-FWD-Philippines/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-refiles-listing-application-with-HKEX/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-refiles-listing-application-with-HKEX/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-refiles-listing-application-with-HKEX/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-refiles-listing-application-with-HKEX/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-refiles-listing-application-with-HKEX/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-refiles-listing-application-with-HKEX/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-refiles-listing-application-with-HKEX/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-refiles-listing-application-with-HKEX/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-exceptionally-strong-first-quarter-new-business-update/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-exceptionally-strong-first-quarter-new-business-update/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-exceptionally-strong-first-quarter-new-business-update/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-exceptionally-strong-first-quarter-new-business-update/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-exceptionally-strong-first-quarter-new-business-update/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-exceptionally-strong-first-quarter-new-business-update/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-reports-exceptionally-strong-first-quarter-new-business-update/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-reports-exceptionally-strong-first-quarter-new-business-update/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-extends-partnership-with-JA-Worldwide-for-its-award-winning-financial-literacy-programme/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-extends-partnership-with-JA-Worldwide-for-its-award-winning-financial-literacy-programme/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-extends-partnership-with-JA-Worldwide-for-its-award-winning-financial-literacy-programme/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-extends-partnership-with-JA-Worldwide-for-its-award-winning-financial-literacy-programme/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-extends-partnership-with-JA-Worldwide-for-its-award-winning-financial-literacy-programme/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-extends-partnership-with-JA-Worldwide-for-its-award-winning-financial-literacy-programme/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-extends-partnership-with-JA-Worldwide-for-its-award-winning-financial-literacy-programme/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-extends-partnership-with-JA-Worldwide-for-its-award-winning-financial-literacy-programme/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-comes-to-life/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-comes-to-life/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-comes-to-life/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-comes-to-life/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-comes-to-life/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-comes-to-life/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-comes-to-life/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-comes-to-life/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Phuong-Tien-Minh-as-CEO-of-FWD-Vietnam/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Phuong-Tien-Minh-as-CEO-of-FWD-Vietnam/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Phuong-Tien-Minh-as-CEO-of-FWD-Vietnam/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Phuong-Tien-Minh-as-CEO-of-FWD-Vietnam/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Phuong-Tien-Minh-as-CEO-of-FWD-Vietnam/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Phuong-Tien-Minh-as-CEO-of-FWD-Vietnam/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Phuong-Tien-Minh-as-CEO-of-FWD-Vietnam/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Phuong-Tien-Minh-as-CEO-of-FWD-Vietnam/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-posts-first-IFRS-17-net-profit-in-2024-full-year-results/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-posts-first-IFRS-17-net-profit-in-2024-full-year-results/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-posts-first-IFRS-17-net-profit-in-2024-full-year-results/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-posts-first-IFRS-17-net-profit-in-2024-full-year-results/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-posts-first-IFRS-17-net-profit-in-2024-full-year-results/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-posts-first-IFRS-17-net-profit-in-2024-full-year-results/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-posts-first-IFRS-17-net-profit-in-2024-full-year-results/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-posts-first-IFRS-17-net-profit-in-2024-full-year-results/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/New-appointments-to-FWD-Group-Board-of-Directors/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/New-appointments-to-FWD-Group-Board-of-Directors/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/New-appointments-to-FWD-Group-Board-of-Directors/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/New-appointments-to-FWD-Group-Board-of-Directors/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/New-appointments-to-FWD-Group-Board-of-Directors/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/New-appointments-to-FWD-Group-Board-of-Directors/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/New-appointments-to-FWD-Group-Board-of-Directors/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/New-appointments-to-FWD-Group-Board-of-Directors/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/Tsuyoshi-Ijichi-named-Incoming-Representative-Director-President-and-Chief-Executive-Officer-FWD-Japan/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/Tsuyoshi-Ijichi-named-Incoming-Representative-Director-President-and-Chief-Executive-Officer-FWD-Japan/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/Tsuyoshi-Ijichi-named-Incoming-Representative-Director-President-and-Chief-Executive-Officer-FWD-Japan/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/Tsuyoshi-Ijichi-named-Incoming-Representative-Director-President-and-Chief-Executive-Officer-FWD-Japan/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/Tsuyoshi-Ijichi-named-Incoming-Representative-Director-President-and-Chief-Executive-Officer-FWD-Japan/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/Tsuyoshi-Ijichi-named-Incoming-Representative-Director-President-and-Chief-Executive-Officer-FWD-Japan/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/Tsuyoshi-Ijichi-named-Incoming-Representative-Director-President-and-Chief-Executive-Officer-FWD-Japan/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/Tsuyoshi-Ijichi-named-Incoming-Representative-Director-President-and-Chief-Executive-Officer-FWD-Japan/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-BRI-Life-become-INSEAD-case-study/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-BRI-Life-become-INSEAD-case-study/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-and-BRI-Life-become-INSEAD-case-study/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-BRI-Life-become-INSEAD-case-study/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-and-BRI-Life-become-INSEAD-case-study/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-BRI-Life-become-INSEAD-case-study/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-and-BRI-Life-become-INSEAD-case-study/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-BRI-Life-become-INSEAD-case-study/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-strong-new-business-growth-update/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-strong-new-business-growth-update/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-strong-new-business-growth-update/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-strong-new-business-growth-update/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-strong-new-business-growth-update/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-strong-new-business-growth-update/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-strong-new-business-growth-update/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-strong-new-business-growth-update/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-leadership-appointments-in-Malaysia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-leadership-appointments-in-Malaysia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-leadership-appointments-in-Malaysia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-leadership-appointments-in-Malaysia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-leadership-appointments-in-Malaysia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-leadership-appointments-in-Malaysia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-leadership-appointments-in-Malaysia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-leadership-appointments-in-Malaysia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/Peter-Reynolds-appointed-Group-Chief-Strategic-Development-Officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/Peter-Reynolds-appointed-Group-Chief-Strategic-Development-Officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/Peter-Reynolds-appointed-Group-Chief-Strategic-Development-Officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/Peter-Reynolds-appointed-Group-Chief-Strategic-Development-Officer/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/Peter-Reynolds-appointed-Group-Chief-Strategic-Development-Officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/Peter-Reynolds-appointed-Group-Chief-Strategic-Development-Officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/Peter-Reynolds-appointed-Group-Chief-Strategic-Development-Officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/Peter-Reynolds-appointed-Group-Chief-Strategic-Development-Officer/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-agreement-with-Roche-for-diagnostic-driven-health-insurance-innovation/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-agreement-with-Roche-for-diagnostic-driven-health-insurance-innovation/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-agreement-with-Roche-for-diagnostic-driven-health-insurance-innovation/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-agreement-with-Roche-for-diagnostic-driven-health-insurance-innovation/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-agreement-with-Roche-for-diagnostic-driven-health-insurance-innovation/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-agreement-with-Roche-for-diagnostic-driven-health-insurance-innovation/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-agreement-with-Roche-for-diagnostic-driven-health-insurance-innovation/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-agreement-with-Roche-for-diagnostic-driven-health-insurance-innovation/"/></url><url><loc>https://www.fwd.com/zh/the-fwd-difference/doing-more-with-digital-technology/giving-our-agents-the-digital-tools-they-need/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/the-fwd-difference/doing-more-with-digital-technology/giving-our-agents-the-digital-tools-they-need/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/the-fwd-difference/doing-more-with-digital-technology/giving-our-agents-the-digital-tools-they-need/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/the-fwd-difference/doing-more-with-digital-technology/giving-our-agents-the-digital-tools-they-need/"/></url><url><loc>https://www.fwd.com/en/the-fwd-difference/doing-more-with-digital-technology/giving-our-agents-the-digital-tools-they-need/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/the-fwd-difference/doing-more-with-digital-technology/giving-our-agents-the-digital-tools-they-need/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/the-fwd-difference/doing-more-with-digital-technology/giving-our-agents-the-digital-tools-they-need/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/the-fwd-difference/doing-more-with-digital-technology/giving-our-agents-the-digital-tools-they-need/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-extends-INSEAD-partnership-for-agency-leaders/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-extends-INSEAD-partnership-for-agency-leaders/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-extends-INSEAD-partnership-for-agency-leaders/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-extends-INSEAD-partnership-for-agency-leaders/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-extends-INSEAD-partnership-for-agency-leaders/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-extends-INSEAD-partnership-for-agency-leaders/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-extends-INSEAD-partnership-for-agency-leaders/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-extends-INSEAD-partnership-for-agency-leaders/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-strong-first-half-2024-financial-results/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-strong-first-half-2024-financial-results/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-strong-first-half-2024-financial-results/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-strong-first-half-2024-financial-results/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-strong-first-half-2024-financial-results/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-strong-first-half-2024-financial-results/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-strong-first-half-2024-financial-results/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-strong-first-half-2024-financial-results/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-its-11th-anniversary-with-11-community-grants/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-its-11th-anniversary-with-11-community-grants/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-its-11th-anniversary-with-11-community-grants/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-its-11th-anniversary-with-11-community-grants/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-its-11th-anniversary-with-11-community-grants/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-its-11th-anniversary-with-11-community-grants/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-its-11th-anniversary-with-11-community-grants/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-its-11th-anniversary-with-11-community-grants/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-ranked-number-six-in-2024-MDRT-rankings/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-ranked-number-six-in-2024-MDRT-rankings/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-ranked-number-six-in-2024-MDRT-rankings/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-ranked-number-six-in-2024-MDRT-rankings/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-ranked-number-six-in-2024-MDRT-rankings/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-ranked-number-six-in-2024-MDRT-rankings/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-ranked-number-six-in-2024-MDRT-rankings/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-ranked-number-six-in-2024-MDRT-rankings/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-to-boost-financial-education-in-Cambodia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-to-boost-financial-education-in-Cambodia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-to-boost-financial-education-in-Cambodia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-to-boost-financial-education-in-Cambodia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-to-boost-financial-education-in-Cambodia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-to-boost-financial-education-in-Cambodia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-to-boost-financial-education-in-Cambodia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-to-boost-financial-education-in-Cambodia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-solid-first-quarter-new-business-update/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-solid-first-quarter-new-business-update/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-solid-first-quarter-new-business-update/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-solid-first-quarter-new-business-update/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-solid-first-quarter-new-business-update/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-solid-first-quarter-new-business-update/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-solid-first-quarter-new-business-update/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-solid-first-quarter-new-business-update/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-AWS-extend-cloud-technology-collaboration-with-five-year-agreement/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-AWS-extend-cloud-technology-collaboration-with-five-year-agreement/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-and-AWS-extend-cloud-technology-collaboration-with-five-year-agreement/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-AWS-extend-cloud-technology-collaboration-with-five-year-agreement/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-and-AWS-extend-cloud-technology-collaboration-with-five-year-agreement/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-AWS-extend-cloud-technology-collaboration-with-five-year-agreement/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-and-AWS-extend-cloud-technology-collaboration-with-five-year-agreement/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-AWS-extend-cloud-technology-collaboration-with-five-year-agreement/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/Dr-Sarah-Salvilla-to-lead-new-FWD-HealthyMe-business/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/Dr-Sarah-Salvilla-to-lead-new-FWD-HealthyMe-business/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/Dr-Sarah-Salvilla-to-lead-new-FWD-HealthyMe-business/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/Dr-Sarah-Salvilla-to-lead-new-FWD-HealthyMe-business/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/Dr-Sarah-Salvilla-to-lead-new-FWD-HealthyMe-business/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/Dr-Sarah-Salvilla-to-lead-new-FWD-HealthyMe-business/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/Dr-Sarah-Salvilla-to-lead-new-FWD-HealthyMe-business/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/Dr-Sarah-Salvilla-to-lead-new-FWD-HealthyMe-business/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-2023-financial-results/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-2023-financial-results/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-2023-financial-results/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-2023-financial-results/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-2023-financial-results/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-2023-financial-results/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-2023-financial-results/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-2023-financial-results/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-additional-investment-in-Malaysia-becomes-majority-shareholder-in-FWD-Takaful-Berhad/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-additional-investment-in-Malaysia-becomes-majority-shareholder-in-FWD-Takaful-Berhad/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-completes-additional-investment-in-Malaysia-becomes-majority-shareholder-in-FWD-Takaful-Berhad/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-additional-investment-in-Malaysia-becomes-majority-shareholder-in-FWD-Takaful-Berhad/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-completes-additional-investment-in-Malaysia-becomes-majority-shareholder-in-FWD-Takaful-Berhad/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-additional-investment-in-Malaysia-becomes-majority-shareholder-in-FWD-Takaful-Berhad/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-completes-additional-investment-in-Malaysia-becomes-majority-shareholder-in-FWD-Takaful-Berhad/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-additional-investment-in-Malaysia-becomes-majority-shareholder-in-FWD-Takaful-Berhad/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-partners-with-Microsoft-to-shape-the-future-of-AI-driven-insurance-experiences/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-partners-with-Microsoft-to-shape-the-future-of-AI-driven-insurance-experiences/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-partners-with-Microsoft-to-shape-the-future-of-AI-driven-insurance-experiences/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-partners-with-Microsoft-to-shape-the-future-of-AI-driven-insurance-experiences/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-partners-with-Microsoft-to-shape-the-future-of-AI-driven-insurance-experiences/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-partners-with-Microsoft-to-shape-the-future-of-AI-driven-insurance-experiences/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-partners-with-Microsoft-to-shape-the-future-of-AI-driven-insurance-experiences/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-partners-with-Microsoft-to-shape-the-future-of-AI-driven-insurance-experiences/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-adrian-vincent-as-new-ceo-for-singapore/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-adrian-vincent-as-new-ceo-for-singapore/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-adrian-vincent-as-new-ceo-for-singapore/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-adrian-vincent-as-new-ceo-for-singapore/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-adrian-vincent-as-new-ceo-for-singapore/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-adrian-vincent-as-new-ceo-for-singapore/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-adrian-vincent-as-new-ceo-for-singapore/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-adrian-vincent-as-new-ceo-for-singapore/"/></url><url><loc>https://www.fwd.com/zh/the-fwd-difference/doing-more-with-digital-technology/creating-a-deeper-understanding-of-our-customers-so-we-can-serve-them-better/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/the-fwd-difference/doing-more-with-digital-technology/creating-a-deeper-understanding-of-our-customers-so-we-can-serve-them-better/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/the-fwd-difference/doing-more-with-digital-technology/creating-a-deeper-understanding-of-our-customers-so-we-can-serve-them-better/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/the-fwd-difference/doing-more-with-digital-technology/creating-a-deeper-understanding-of-our-customers-so-we-can-serve-them-better/"/></url><url><loc>https://www.fwd.com/en/the-fwd-difference/doing-more-with-digital-technology/creating-a-deeper-understanding-of-our-customers-so-we-can-serve-them-better/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/the-fwd-difference/doing-more-with-digital-technology/creating-a-deeper-understanding-of-our-customers-so-we-can-serve-them-better/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/the-fwd-difference/doing-more-with-digital-technology/creating-a-deeper-understanding-of-our-customers-so-we-can-serve-them-better/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/the-fwd-difference/doing-more-with-digital-technology/creating-a-deeper-understanding-of-our-customers-so-we-can-serve-them-better/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-robust-growth-momentum-in-new-business-highlights/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-robust-growth-momentum-in-new-business-highlights/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-robust-growth-momentum-in-new-business-highlights/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-robust-growth-momentum-in-new-business-highlights/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-robust-growth-momentum-in-new-business-highlights/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-robust-growth-momentum-in-new-business-highlights/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-robust-growth-momentum-in-new-business-highlights/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-robust-growth-momentum-in-new-business-highlights/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-publication-of-first-half-results-and-update-to-global-medium-term-note-programme/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-publication-of-first-half-results-and-update-to-global-medium-term-note-programme/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-publication-of-first-half-results-and-update-to-global-medium-term-note-programme/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-publication-of-first-half-results-and-update-to-global-medium-term-note-programme/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-publication-of-first-half-results-and-update-to-global-medium-term-note-programme/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-publication-of-first-half-results-and-update-to-global-medium-term-note-programme/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-publication-of-first-half-results-and-update-to-global-medium-term-note-programme/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-publication-of-first-half-results-and-update-to-global-medium-term-note-programme/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/Inaugural-investment-grade-ratings-from-Fitch-and-Moodys-for-FWD-Group-Holdings-Limited/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/Inaugural-investment-grade-ratings-from-Fitch-and-Moodys-for-FWD-Group-Holdings-Limited/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/Inaugural-investment-grade-ratings-from-Fitch-and-Moodys-for-FWD-Group-Holdings-Limited/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/Inaugural-investment-grade-ratings-from-Fitch-and-Moodys-for-FWD-Group-Holdings-Limited/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/Inaugural-investment-grade-ratings-from-Fitch-and-Moodys-for-FWD-Group-Holdings-Limited/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/Inaugural-investment-grade-ratings-from-Fitch-and-Moodys-for-FWD-Group-Holdings-Limited/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/Inaugural-investment-grade-ratings-from-Fitch-and-Moodys-for-FWD-Group-Holdings-Limited/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/Inaugural-investment-grade-ratings-from-Fitch-and-Moodys-for-FWD-Group-Holdings-Limited/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-strategic-investment-in-Gibraltar-BSN-enabling-a-full-service-offering-in-Malaysia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-strategic-investment-in-Gibraltar-BSN-enabling-a-full-service-offering-in-Malaysia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-completes-strategic-investment-in-Gibraltar-BSN-enabling-a-full-service-offering-in-Malaysia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-strategic-investment-in-Gibraltar-BSN-enabling-a-full-service-offering-in-Malaysia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-completes-strategic-investment-in-Gibraltar-BSN-enabling-a-full-service-offering-in-Malaysia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-strategic-investment-in-Gibraltar-BSN-enabling-a-full-service-offering-in-Malaysia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-completes-strategic-investment-in-Gibraltar-BSN-enabling-a-full-service-offering-in-Malaysia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-completes-strategic-investment-in-Gibraltar-BSN-enabling-a-full-service-offering-in-Malaysia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-Group-CFO-transition/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-Group-CFO-transition/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-Group-CFO-transition/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-Group-CFO-transition/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-Group-CFO-transition/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-Group-CFO-transition/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-Group-CFO-transition/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-Group-CFO-transition/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-JA-Asia-Pacific-expand-financial-literacy-programme-to-seven-markets-in-Asia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-JA-Asia-Pacific-expand-financial-literacy-programme-to-seven-markets-in-Asia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-and-JA-Asia-Pacific-expand-financial-literacy-programme-to-seven-markets-in-Asia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-JA-Asia-Pacific-expand-financial-literacy-programme-to-seven-markets-in-Asia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-and-JA-Asia-Pacific-expand-financial-literacy-programme-to-seven-markets-in-Asia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-JA-Asia-Pacific-expand-financial-literacy-programme-to-seven-markets-in-Asia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-and-JA-Asia-Pacific-expand-financial-literacy-programme-to-seven-markets-in-Asia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-and-JA-Asia-Pacific-expand-financial-literacy-programme-to-seven-markets-in-Asia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-update-to-bond-consent-solicitation-and-publication-of-first-quarter-new-business-highlights/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-update-to-bond-consent-solicitation-and-publication-of-first-quarter-new-business-highlights/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-update-to-bond-consent-solicitation-and-publication-of-first-quarter-new-business-highlights/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-update-to-bond-consent-solicitation-and-publication-of-first-quarter-new-business-highlights/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-update-to-bond-consent-solicitation-and-publication-of-first-quarter-new-business-highlights/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-update-to-bond-consent-solicitation-and-publication-of-first-quarter-new-business-highlights/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-update-to-bond-consent-solicitation-and-publication-of-first-quarter-new-business-highlights/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-update-to-bond-consent-solicitation-and-publication-of-first-quarter-new-business-highlights/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Sid-Sankaran-as-Group-CFO/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Sid-Sankaran-as-Group-CFO/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Sid-Sankaran-as-Group-CFO/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Sid-Sankaran-as-Group-CFO/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Sid-Sankaran-as-Group-CFO/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Sid-Sankaran-as-Group-CFO/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Sid-Sankaran-as-Group-CFO/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Sid-Sankaran-as-Group-CFO/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-ranked-number-six-in-2023-MDRT-rankings/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-ranked-number-six-in-2023-MDRT-rankings/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-ranked-number-six-in-2023-MDRT-rankings/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-ranked-number-six-in-2023-MDRT-rankings/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-ranked-number-six-in-2023-MDRT-rankings/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-ranked-number-six-in-2023-MDRT-rankings/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-ranked-number-six-in-2023-MDRT-rankings/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-ranked-number-six-in-2023-MDRT-rankings/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/The-Chief-Executive-Hong-Kong-Special-Administrative-Region-of-the-Peoples-Republic-of-China-visits-FWD-in-Indonesia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/The-Chief-Executive-Hong-Kong-Special-Administrative-Region-of-the-Peoples-Republic-of-China-visits-FWD-in-Indonesia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/The-Chief-Executive-Hong-Kong-Special-Administrative-Region-of-the-Peoples-Republic-of-China-visits-FWD-in-Indonesia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/The-Chief-Executive-Hong-Kong-Special-Administrative-Region-of-the-Peoples-Republic-of-China-visits-FWD-in-Indonesia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/The-Chief-Executive-Hong-Kong-Special-Administrative-Region-of-the-Peoples-Republic-of-China-visits-FWD-in-Indonesia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/The-Chief-Executive-Hong-Kong-Special-Administrative-Region-of-the-Peoples-Republic-of-China-visits-FWD-in-Indonesia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/The-Chief-Executive-Hong-Kong-Special-Administrative-Region-of-the-Peoples-Republic-of-China-visits-FWD-in-Indonesia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/The-Chief-Executive-Hong-Kong-Special-Administrative-Region-of-the-Peoples-Republic-of-China-visits-FWD-in-Indonesia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-a-new-name-and-CEO-for-its-Malaysian-life-insurance-business/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-a-new-name-and-CEO-for-its-Malaysian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-a-new-name-and-CEO-for-its-Malaysian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-a-new-name-and-CEO-for-its-Malaysian-life-insurance-business/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-a-new-name-and-CEO-for-its-Malaysian-life-insurance-business/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-a-new-name-and-CEO-for-its-Malaysian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-announces-a-new-name-and-CEO-for-its-Malaysian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-announces-a-new-name-and-CEO-for-its-Malaysian-life-insurance-business/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Anantharaman-Sridharan-as-CEO-of-FWD-Vietnam/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Anantharaman-Sridharan-as-CEO-of-FWD-Vietnam/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Anantharaman-Sridharan-as-CEO-of-FWD-Vietnam/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Anantharaman-Sridharan-as-CEO-of-FWD-Vietnam/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Anantharaman-Sridharan-as-CEO-of-FWD-Vietnam/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Anantharaman-Sridharan-as-CEO-of-FWD-Vietnam/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-appoints-Anantharaman-Sridharan-as-CEO-of-FWD-Vietnam/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-appoints-Anantharaman-Sridharan-as-CEO-of-FWD-Vietnam/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-10th-anniversary-with-its-10-grants-in-10-markets-community-initiative/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-10th-anniversary-with-its-10-grants-in-10-markets-community-initiative/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-10th-anniversary-with-its-10-grants-in-10-markets-community-initiative/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-10th-anniversary-with-its-10-grants-in-10-markets-community-initiative/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-10th-anniversary-with-its-10-grants-in-10-markets-community-initiative/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-10th-anniversary-with-its-10-grants-in-10-markets-community-initiative/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-Group-marks-10th-anniversary-with-its-10-grants-in-10-markets-community-initiative/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-Group-marks-10th-anniversary-with-its-10-grants-in-10-markets-community-initiative/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/FWD-and-SCB-extend-bancassurance-partnership-in-Thailand/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-and-SCB-extend-bancassurance-partnership-in-Thailand/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-and-SCB-extend-bancassurance-partnership-in-Thailand/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-and-SCB-extend-bancassurance-partnership-in-Thailand/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/FWD-and-SCB-extend-bancassurance-partnership-in-Thailand/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-and-SCB-extend-bancassurance-partnership-in-Thailand/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/FWD-and-SCB-extend-bancassurance-partnership-in-Thailand/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/FWD-and-SCB-extend-bancassurance-partnership-in-Thailand/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-refiles-listing-application-with-the-hong-kong-stock-exchange/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-refiles-listing-application-with-the-hong-kong-stock-exchange/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-refiles-listing-application-with-the-hong-kong-stock-exchange/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-refiles-listing-application-with-the-hong-kong-stock-exchange/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-refiles-listing-application-with-the-hong-kong-stock-exchange/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-refiles-listing-application-with-the-hong-kong-stock-exchange/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-refiles-listing-application-with-the-hong-kong-stock-exchange/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-refiles-listing-application-with-the-hong-kong-stock-exchange/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-introduces-the-mind-strength-support-programme/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-introduces-the-mind-strength-support-programme/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-introduces-the-mind-strength-support-programme/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-introduces-the-mind-strength-support-programme/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-introduces-the-mind-strength-support-programme/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-introduces-the-mind-strength-support-programme/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-introduces-the-mind-strength-support-programme/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-introduces-the-mind-strength-support-programme/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-group-chief-risk-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-group-chief-risk-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-group-chief-risk-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-group-chief-risk-officer/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-group-chief-risk-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-group-chief-risk-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-group-chief-risk-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-group-chief-risk-officer/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-to-enter-malaysian-life-insurance-market-with-strategic-investment-in-gibraltar-bsn/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-to-enter-malaysian-life-insurance-market-with-strategic-investment-in-gibraltar-bsn/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-to-enter-malaysian-life-insurance-market-with-strategic-investment-in-gibraltar-bsn/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-to-enter-malaysian-life-insurance-market-with-strategic-investment-in-gibraltar-bsn/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-to-enter-malaysian-life-insurance-market-with-strategic-investment-in-gibraltar-bsn/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-to-enter-malaysian-life-insurance-market-with-strategic-investment-in-gibraltar-bsn/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-to-enter-malaysian-life-insurance-market-with-strategic-investment-in-gibraltar-bsn/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-to-enter-malaysian-life-insurance-market-with-strategic-investment-in-gibraltar-bsn/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results-fy2022/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results-fy2022/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results-fy2022/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results-fy2022/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results-fy2022/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results-fy2022/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results-fy2022/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results-fy2022/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-and-artem-ventures-launch-rm45m-fund/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-and-artem-ventures-launch-rm45m-fund/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-and-artem-ventures-launch-rm45m-fund/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-and-artem-ventures-launch-rm45m-fund/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-and-artem-ventures-launch-rm45m-fund/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-and-artem-ventures-launch-rm45m-fund/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-and-artem-ventures-launch-rm45m-fund/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-and-artem-ventures-launch-rm45m-fund/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-names-antonio-jumbing-de-rosas-new-ceo-for-the-philippines/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-names-antonio-jumbing-de-rosas-new-ceo-for-the-philippines/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-names-antonio-jumbing-de-rosas-new-ceo-for-the-philippines/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-names-antonio-jumbing-de-rosas-new-ceo-for-the-philippines/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-names-antonio-jumbing-de-rosas-new-ceo-for-the-philippines/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-names-antonio-jumbing-de-rosas-new-ceo-for-the-philippines/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-names-antonio-jumbing-de-rosas-new-ceo-for-the-philippines/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-names-antonio-jumbing-de-rosas-new-ceo-for-the-philippines/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-takaful-berhad-appoints-salim-majid-zain-as-ceo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-takaful-berhad-appoints-salim-majid-zain-as-ceo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-takaful-berhad-appoints-salim-majid-zain-as-ceo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-takaful-berhad-appoints-salim-majid-zain-as-ceo/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-takaful-berhad-appoints-salim-majid-zain-as-ceo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-takaful-berhad-appoints-salim-majid-zain-as-ceo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-takaful-berhad-appoints-salim-majid-zain-as-ceo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-takaful-berhad-appoints-salim-majid-zain-as-ceo/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/vietcombank-and-fwd-agree-exclusive-15-year-bancassurance-partnership-in-vietnam/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/vietcombank-and-fwd-agree-exclusive-15-year-bancassurance-partnership-in-vietnam/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/vietcombank-and-fwd-agree-exclusive-15-year-bancassurance-partnership-in-vietnam/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/vietcombank-and-fwd-agree-exclusive-15-year-bancassurance-partnership-in-vietnam/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/vietcombank-and-fwd-agree-exclusive-15-year-bancassurance-partnership-in-vietnam/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/vietcombank-and-fwd-agree-exclusive-15-year-bancassurance-partnership-in-vietnam/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/vietcombank-and-fwd-agree-exclusive-15-year-bancassurance-partnership-in-vietnam/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/vietcombank-and-fwd-agree-exclusive-15-year-bancassurance-partnership-in-vietnam/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-withdraws-team-from-the-2020-fwd-north-pole-marathon/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-withdraws-team-from-the-2020-fwd-north-pole-marathon/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-withdraws-team-from-the-2020-fwd-north-pole-marathon/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-withdraws-team-from-the-2020-fwd-north-pole-marathon/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-withdraws-team-from-the-2020-fwd-north-pole-marathon/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-withdraws-team-from-the-2020-fwd-north-pole-marathon/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-withdraws-team-from-the-2020-fwd-north-pole-marathon/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-withdraws-team-from-the-2020-fwd-north-pole-marathon/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-leadership-team-reinforced-with-appointment-of-tim-oliver-as-chief-commercial-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-leadership-team-reinforced-with-appointment-of-tim-oliver-as-chief-commercial-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-leadership-team-reinforced-with-appointment-of-tim-oliver-as-chief-commercial-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-leadership-team-reinforced-with-appointment-of-tim-oliver-as-chief-commercial-officer/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-leadership-team-reinforced-with-appointment-of-tim-oliver-as-chief-commercial-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-leadership-team-reinforced-with-appointment-of-tim-oliver-as-chief-commercial-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-leadership-team-reinforced-with-appointment-of-tim-oliver-as-chief-commercial-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-leadership-team-reinforced-with-appointment-of-tim-oliver-as-chief-commercial-officer/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-extends-support-as-official-partner-for-clockenflap-10th-anniversary/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-extends-support-as-official-partner-for-clockenflap-10th-anniversary/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-extends-support-as-official-partner-for-clockenflap-10th-anniversary/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-extends-support-as-official-partner-for-clockenflap-10th-anniversary/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-extends-support-as-official-partner-for-clockenflap-10th-anniversary/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-extends-support-as-official-partner-for-clockenflap-10th-anniversary/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-extends-support-as-official-partner-for-clockenflap-10th-anniversary/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-extends-support-as-official-partner-for-clockenflap-10th-anniversary/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-has-completed-the-acquisition-of-siam-city-insurance/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-has-completed-the-acquisition-of-siam-city-insurance/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-has-completed-the-acquisition-of-siam-city-insurance/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-has-completed-the-acquisition-of-siam-city-insurance/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-has-completed-the-acquisition-of-siam-city-insurance/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-has-completed-the-acquisition-of-siam-city-insurance/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-has-completed-the-acquisition-of-siam-city-insurance/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-has-completed-the-acquisition-of-siam-city-insurance/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-supports-bill-to-enhance-group-wide-regulatory-supervision-in-hong-kong-insurance-industry/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-supports-bill-to-enhance-group-wide-regulatory-supervision-in-hong-kong-insurance-industry/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-supports-bill-to-enhance-group-wide-regulatory-supervision-in-hong-kong-insurance-industry/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-supports-bill-to-enhance-group-wide-regulatory-supervision-in-hong-kong-insurance-industry/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-supports-bill-to-enhance-group-wide-regulatory-supervision-in-hong-kong-insurance-industry/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-supports-bill-to-enhance-group-wide-regulatory-supervision-in-hong-kong-insurance-industry/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-supports-bill-to-enhance-group-wide-regulatory-supervision-in-hong-kong-insurance-industry/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-supports-bill-to-enhance-group-wide-regulatory-supervision-in-hong-kong-insurance-industry/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-insead-to-launch-fwd-elite-signature-at-insead/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-insead-to-launch-fwd-elite-signature-at-insead/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-partners-with-insead-to-launch-fwd-elite-signature-at-insead/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-insead-to-launch-fwd-elite-signature-at-insead/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-partners-with-insead-to-launch-fwd-elite-signature-at-insead/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-insead-to-launch-fwd-elite-signature-at-insead/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-partners-with-insead-to-launch-fwd-elite-signature-at-insead/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-insead-to-launch-fwd-elite-signature-at-insead/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-petter-sternby-as-group-corporate-transactions-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-petter-sternby-as-group-corporate-transactions-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-petter-sternby-as-group-corporate-transactions-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-petter-sternby-as-group-corporate-transactions-officer/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-petter-sternby-as-group-corporate-transactions-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-petter-sternby-as-group-corporate-transactions-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-petter-sternby-as-group-corporate-transactions-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-petter-sternby-as-group-corporate-transactions-officer/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-ken-lau-as-managing-director/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-ken-lau-as-managing-director/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-ken-lau-as-managing-director/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-ken-lau-as-managing-director/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-ken-lau-as-managing-director/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-ken-lau-as-managing-director/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-ken-lau-as-managing-director/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-ken-lau-as-managing-director/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/scb-agrees-to-sell-life-insurance-business-to-fwd-group-and-enter-bancassurance-partnership/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/scb-agrees-to-sell-life-insurance-business-to-fwd-group-and-enter-bancassurance-partnership/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/scb-agrees-to-sell-life-insurance-business-to-fwd-group-and-enter-bancassurance-partnership/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/scb-agrees-to-sell-life-insurance-business-to-fwd-group-and-enter-bancassurance-partnership/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/scb-agrees-to-sell-life-insurance-business-to-fwd-group-and-enter-bancassurance-partnership/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/scb-agrees-to-sell-life-insurance-business-to-fwd-group-and-enter-bancassurance-partnership/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/scb-agrees-to-sell-life-insurance-business-to-fwd-group-and-enter-bancassurance-partnership/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/scb-agrees-to-sell-life-insurance-business-to-fwd-group-and-enter-bancassurance-partnership/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/registration-statement-for-proposed-ipo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/registration-statement-for-proposed-ipo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/registration-statement-for-proposed-ipo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/registration-statement-for-proposed-ipo/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/registration-statement-for-proposed-ipo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/registration-statement-for-proposed-ipo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/registration-statement-for-proposed-ipo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/registration-statement-for-proposed-ipo/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-team-asia-overcomes-extreme-odds-to-complete-fwd-78-north-marathon/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-team-asia-overcomes-extreme-odds-to-complete-fwd-78-north-marathon/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-team-asia-overcomes-extreme-odds-to-complete-fwd-78-north-marathon/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-team-asia-overcomes-extreme-odds-to-complete-fwd-78-north-marathon/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-team-asia-overcomes-extreme-odds-to-complete-fwd-78-north-marathon/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-team-asia-overcomes-extreme-odds-to-complete-fwd-78-north-marathon/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-team-asia-overcomes-extreme-odds-to-complete-fwd-78-north-marathon/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-team-asia-overcomes-extreme-odds-to-complete-fwd-78-north-marathon/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-jumps-to-number-6-in-2022-mdrt-rankings/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-jumps-to-number-6-in-2022-mdrt-rankings/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-jumps-to-number-6-in-2022-mdrt-rankings/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-jumps-to-number-6-in-2022-mdrt-rankings/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-jumps-to-number-6-in-2022-mdrt-rankings/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-jumps-to-number-6-in-2022-mdrt-rankings/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-jumps-to-number-6-in-2022-mdrt-rankings/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-jumps-to-number-6-in-2022-mdrt-rankings/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-collaborates-with-yale/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-collaborates-with-yale/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-collaborates-with-yale/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-collaborates-with-yale/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-collaborates-with-yale/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-collaborates-with-yale/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-collaborates-with-yale/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-collaborates-with-yale/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-podcast-season-three/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-podcast-season-three/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-podcast-season-three/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-podcast-season-three/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-podcast-season-three/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-podcast-season-three/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-podcast-season-three/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-podcast-season-three/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-klook-for-customers-in-southeast-asia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-klook-for-customers-in-southeast-asia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-partners-with-klook-for-customers-in-southeast-asia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-klook-for-customers-in-southeast-asia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-partners-with-klook-for-customers-in-southeast-asia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-klook-for-customers-in-southeast-asia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-partners-with-klook-for-customers-in-southeast-asia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-klook-for-customers-in-southeast-asia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-filing-of-registration-statement-for-proposed-ipo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-filing-of-registration-statement-for-proposed-ipo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-filing-of-registration-statement-for-proposed-ipo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-filing-of-registration-statement-for-proposed-ipo/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-filing-of-registration-statement-for-proposed-ipo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-filing-of-registration-statement-for-proposed-ipo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-filing-of-registration-statement-for-proposed-ipo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-filing-of-registration-statement-for-proposed-ipo/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-introduces-omne/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-introduces-omne/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-introduces-omne/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-introduces-omne/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-introduces-omne/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-introduces-omne/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-introduces-omne/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-introduces-omne/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-survey-finds-people-in-asia-view-mental-health-as-a-critical-concern---mind-strength/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-survey-finds-people-in-asia-view-mental-health-as-a-critical-concern---mind-strength/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-survey-finds-people-in-asia-view-mental-health-as-a-critical-concern---mind-strength/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-survey-finds-people-in-asia-view-mental-health-as-a-critical-concern---mind-strength/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-survey-finds-people-in-asia-view-mental-health-as-a-critical-concern---mind-strength/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-survey-finds-people-in-asia-view-mental-health-as-a-critical-concern---mind-strength/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-survey-finds-people-in-asia-view-mental-health-as-a-critical-concern---mind-strength/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-survey-finds-people-in-asia-view-mental-health-as-a-critical-concern---mind-strength/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-opens-for-business-in-cambodia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-opens-for-business-in-cambodia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-opens-for-business-in-cambodia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-opens-for-business-in-cambodia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-opens-for-business-in-cambodia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-opens-for-business-in-cambodia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-opens-for-business-in-cambodia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-opens-for-business-in-cambodia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-to-raise-fund-in-private-placements-from-investors/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-to-raise-fund-in-private-placements-from-investors/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-to-raise-fund-in-private-placements-from-investors/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-to-raise-fund-in-private-placements-from-investors/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-to-raise-fund-in-private-placements-from-investors/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-to-raise-fund-in-private-placements-from-investors/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-to-raise-fund-in-private-placements-from-investors/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-to-raise-fund-in-private-placements-from-investors/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-extends-partnership-with-humanity-inclusion/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-extends-partnership-with-humanity-inclusion/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-extends-partnership-with-humanity-inclusion/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-extends-partnership-with-humanity-inclusion/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-extends-partnership-with-humanity-inclusion/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-extends-partnership-with-humanity-inclusion/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-extends-partnership-with-humanity-inclusion/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-extends-partnership-with-humanity-inclusion/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-partners-with-ja-asia-pacific/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-partners-with-ja-asia-pacific/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-partners-with-ja-asia-pacific/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-partners-with-ja-asia-pacific/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-partners-with-ja-asia-pacific/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-partners-with-ja-asia-pacific/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-partners-with-ja-asia-pacific/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-partners-with-ja-asia-pacific/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-life-completes-acquisition-of-commonwealth-bank-of-australia-indonesian-life-insurance-business/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-completes-acquisition-of-commonwealth-bank-of-australia-indonesian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-life-completes-acquisition-of-commonwealth-bank-of-australia-indonesian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-completes-acquisition-of-commonwealth-bank-of-australia-indonesian-life-insurance-business/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-life-completes-acquisition-of-commonwealth-bank-of-australia-indonesian-life-insurance-business/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-completes-acquisition-of-commonwealth-bank-of-australia-indonesian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-life-completes-acquisition-of-commonwealth-bank-of-australia-indonesian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-completes-acquisition-of-commonwealth-bank-of-australia-indonesian-life-insurance-business/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-to-invest-in-a-strategic-stake-in-bri-life-indonesia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-to-invest-in-a-strategic-stake-in-bri-life-indonesia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-to-invest-in-a-strategic-stake-in-bri-life-indonesia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-to-invest-in-a-strategic-stake-in-bri-life-indonesia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-to-invest-in-a-strategic-stake-in-bri-life-indonesia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-to-invest-in-a-strategic-stake-in-bri-life-indonesia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-to-invest-in-a-strategic-stake-in-bri-life-indonesia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-to-invest-in-a-strategic-stake-in-bri-life-indonesia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-investment-in-bri-life-indonesia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-investment-in-bri-life-indonesia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-investment-in-bri-life-indonesia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-investment-in-bri-life-indonesia/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-investment-in-bri-life-indonesia/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-investment-in-bri-life-indonesia/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-investment-in-bri-life-indonesia/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-investment-in-bri-life-indonesia/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-opens-representative-office-in-shanghai/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-opens-representative-office-in-shanghai/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-opens-representative-office-in-shanghai/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-opens-representative-office-in-shanghai/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-opens-representative-office-in-shanghai/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-opens-representative-office-in-shanghai/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-opens-representative-office-in-shanghai/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-opens-representative-office-in-shanghai/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-huynh-thanh-phong-as-group-ceo-and-executive-director/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-huynh-thanh-phong-as-group-ceo-and-executive-director/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-huynh-thanh-phong-as-group-ceo-and-executive-director/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-huynh-thanh-phong-as-group-ceo-and-executive-director/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-huynh-thanh-phong-as-group-ceo-and-executive-director/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-huynh-thanh-phong-as-group-ceo-and-executive-director/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-huynh-thanh-phong-as-group-ceo-and-executive-director/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-huynh-thanh-phong-as-group-ceo-and-executive-director/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-ddb-on-brand-and-creative-strategy/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-ddb-on-brand-and-creative-strategy/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-partners-with-ddb-on-brand-and-creative-strategy/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-ddb-on-brand-and-creative-strategy/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-partners-with-ddb-on-brand-and-creative-strategy/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-ddb-on-brand-and-creative-strategy/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-partners-with-ddb-on-brand-and-creative-strategy/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-partners-with-ddb-on-brand-and-creative-strategy/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-robert-schimek-as-managing-director-and-group-chief-operating-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-robert-schimek-as-managing-director-and-group-chief-operating-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-robert-schimek-as-managing-director-and-group-chief-operating-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-robert-schimek-as-managing-director-and-group-chief-operating-officer/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-robert-schimek-as-managing-director-and-group-chief-operating-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-robert-schimek-as-managing-director-and-group-chief-operating-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-robert-schimek-as-managing-director-and-group-chief-operating-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-robert-schimek-as-managing-director-and-group-chief-operating-officer/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-brings-energy-to-macau-insurance-market/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-brings-energy-to-macau-insurance-market/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-brings-energy-to-macau-insurance-market/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-brings-energy-to-macau-insurance-market/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-brings-energy-to-macau-insurance-market/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-brings-energy-to-macau-insurance-market/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-brings-energy-to-macau-insurance-market/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-brings-energy-to-macau-insurance-market/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-completes-acquisition-of-49-percent-stake-in-hsbc-amanah-takaful/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-completes-acquisition-of-49-percent-stake-in-hsbc-amanah-takaful/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-completes-acquisition-of-49-percent-stake-in-hsbc-amanah-takaful/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-completes-acquisition-of-49-percent-stake-in-hsbc-amanah-takaful/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-completes-acquisition-of-49-percent-stake-in-hsbc-amanah-takaful/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-completes-acquisition-of-49-percent-stake-in-hsbc-amanah-takaful/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-completes-acquisition-of-49-percent-stake-in-hsbc-amanah-takaful/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-completes-acquisition-of-49-percent-stake-in-hsbc-amanah-takaful/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-completes-metlife-hong-kong-acquisition/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-completes-metlife-hong-kong-acquisition/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-completes-metlife-hong-kong-acquisition/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-completes-metlife-hong-kong-acquisition/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-completes-metlife-hong-kong-acquisition/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-completes-metlife-hong-kong-acquisition/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-completes-metlife-hong-kong-acquisition/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-completes-metlife-hong-kong-acquisition/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-agrees-the-sale-of-its-bancassurance-contract-with-tmb-bank/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-agrees-the-sale-of-its-bancassurance-contract-with-tmb-bank/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-agrees-the-sale-of-its-bancassurance-contract-with-tmb-bank/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-agrees-the-sale-of-its-bancassurance-contract-with-tmb-bank/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-agrees-the-sale-of-its-bancassurance-contract-with-tmb-bank/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-agrees-the-sale-of-its-bancassurance-contract-with-tmb-bank/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-agrees-the-sale-of-its-bancassurance-contract-with-tmb-bank/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-agrees-the-sale-of-its-bancassurance-contract-with-tmb-bank/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-agrees-to-acquire-cba-indonesian-life-insurance-business/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-agrees-to-acquire-cba-indonesian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-agrees-to-acquire-cba-indonesian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-agrees-to-acquire-cba-indonesian-life-insurance-business/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-agrees-to-acquire-cba-indonesian-life-insurance-business/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-agrees-to-acquire-cba-indonesian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-agrees-to-acquire-cba-indonesian-life-insurance-business/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-agrees-to-acquire-cba-indonesian-life-insurance-business/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-independent-non-executive-director-and-completion-of-investment/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-independent-non-executive-director-and-completion-of-investment/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-independent-non-executive-director-and-completion-of-investment/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-independent-non-executive-director-and-completion-of-investment/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-independent-non-executive-director-and-completion-of-investment/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-independent-non-executive-director-and-completion-of-investment/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-independent-non-executive-director-and-completion-of-investment/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-independent-non-executive-director-and-completion-of-investment/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-john-baird-as-non-executive-director/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-john-baird-as-non-executive-director/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-john-baird-as-non-executive-director/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-john-baird-as-non-executive-director/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-john-baird-as-non-executive-director/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-john-baird-as-non-executive-director/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-john-baird-as-non-executive-director/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-john-baird-as-non-executive-director/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-managing-director-and-group-chief-financial-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-managing-director-and-group-chief-financial-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-managing-director-and-group-chief-financial-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-managing-director-and-group-chief-financial-officer/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-managing-director-and-group-chief-financial-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-managing-director-and-group-chief-financial-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-managing-director-and-group-chief-financial-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-managing-director-and-group-chief-financial-officer/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-agrees-to-acquire-metlife-hong-kong/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-agrees-to-acquire-metlife-hong-kong/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-agrees-to-acquire-metlife-hong-kong/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-agrees-to-acquire-metlife-hong-kong/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-agrees-to-acquire-metlife-hong-kong/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-agrees-to-acquire-metlife-hong-kong/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-agrees-to-acquire-metlife-hong-kong/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-agrees-to-acquire-metlife-hong-kong/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-and-tmb-bank-renew-15-year-life-bancassurance-collaboration/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-and-tmb-bank-renew-15-year-life-bancassurance-collaboration/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-and-tmb-bank-renew-15-year-life-bancassurance-collaboration/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-and-tmb-bank-renew-15-year-life-bancassurance-collaboration/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-and-tmb-bank-renew-15-year-life-bancassurance-collaboration/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-and-tmb-bank-renew-15-year-life-bancassurance-collaboration/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-and-tmb-bank-renew-15-year-life-bancassurance-collaboration/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-and-tmb-bank-renew-15-year-life-bancassurance-collaboration/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-announces-departure-of-kazuyuki-takahashi-as-vice-chairman-and-senior-advisor/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-announces-departure-of-kazuyuki-takahashi-as-vice-chairman-and-senior-advisor/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-announces-departure-of-kazuyuki-takahashi-as-vice-chairman-and-senior-advisor/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-announces-departure-of-kazuyuki-takahashi-as-vice-chairman-and-senior-advisor/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-announces-departure-of-kazuyuki-takahashi-as-vice-chairman-and-senior-advisor/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-announces-departure-of-kazuyuki-takahashi-as-vice-chairman-and-senior-advisor/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-announces-departure-of-kazuyuki-takahashi-as-vice-chairman-and-senior-advisor/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-announces-departure-of-kazuyuki-takahashi-as-vice-chairman-and-senior-advisor/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-boon-kee-tan-as-group-chief-business-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-boon-kee-tan-as-group-chief-business-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-boon-kee-tan-as-group-chief-business-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-boon-kee-tan-as-group-chief-business-officer/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-boon-kee-tan-as-group-chief-business-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-boon-kee-tan-as-group-chief-business-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-boon-kee-tan-as-group-chief-business-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-boon-kee-tan-as-group-chief-business-officer/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/aig-agrees-to-sell-japan-life-insurance-business-to-fwd-group/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/aig-agrees-to-sell-japan-life-insurance-business-to-fwd-group/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/aig-agrees-to-sell-japan-life-insurance-business-to-fwd-group/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/aig-agrees-to-sell-japan-life-insurance-business-to-fwd-group/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/aig-agrees-to-sell-japan-life-insurance-business-to-fwd-group/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/aig-agrees-to-sell-japan-life-insurance-business-to-fwd-group/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/aig-agrees-to-sell-japan-life-insurance-business-to-fwd-group/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/aig-agrees-to-sell-japan-life-insurance-business-to-fwd-group/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/aig-fuji-life-becomes-fwd-fuji-life/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/aig-fuji-life-becomes-fwd-fuji-life/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/aig-fuji-life-becomes-fwd-fuji-life/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/aig-fuji-life-becomes-fwd-fuji-life/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/aig-fuji-life-becomes-fwd-fuji-life/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/aig-fuji-life-becomes-fwd-fuji-life/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/aig-fuji-life-becomes-fwd-fuji-life/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/aig-fuji-life-becomes-fwd-fuji-life/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-arthur-lee-as-south-east-asia-chairman/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-arthur-lee-as-south-east-asia-chairman/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-arthur-lee-as-south-east-asia-chairman/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-arthur-lee-as-south-east-asia-chairman/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-arthur-lee-as-south-east-asia-chairman/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-arthur-lee-as-south-east-asia-chairman/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-arthur-lee-as-south-east-asia-chairman/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-arthur-lee-as-south-east-asia-chairman/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-poramasiri-manolamai-as-chief-executive-officer-fwd-thailand/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-poramasiri-manolamai-as-chief-executive-officer-fwd-thailand/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-poramasiri-manolamai-as-chief-executive-officer-fwd-thailand/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-poramasiri-manolamai-as-chief-executive-officer-fwd-thailand/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-poramasiri-manolamai-as-chief-executive-officer-fwd-thailand/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-poramasiri-manolamai-as-chief-executive-officer-fwd-thailand/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-appointment-of-poramasiri-manolamai-as-chief-executive-officer-fwd-thailand/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-appointment-of-poramasiri-manolamai-as-chief-executive-officer-fwd-thailand/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-managing-director-20180205/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-managing-director-20180205/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-managing-director-20180205/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-managing-director-20180205/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-managing-director-20180205/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-managing-director-20180205/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-managing-director-20180205/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-managing-director-20180205/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-ryan-kim-as-cdo-20-may-2019/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-ryan-kim-as-cdo-20-may-2019/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-ryan-kim-as-cdo-20-may-2019/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-ryan-kim-as-cdo-20-may-2019/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-ryan-kim-as-cdo-20-may-2019/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-ryan-kim-as-cdo-20-may-2019/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-ryan-kim-as-cdo-20-may-2019/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-ryan-kim-as-cdo-20-may-2019/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-thailand-country-ceo-and-philippines-ceo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-thailand-country-ceo-and-philippines-ceo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-thailand-country-ceo-and-philippines-ceo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-thailand-country-ceo-and-philippines-ceo/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-thailand-country-ceo-and-philippines-ceo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-thailand-country-ceo-and-philippines-ceo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-the-appointment-of-thailand-country-ceo-and-philippines-ceo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-the-appointment-of-thailand-country-ceo-and-philippines-ceo/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-appoints-ronald-arculli-as-chairman/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-appoints-ronald-arculli-as-chairman/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-appoints-ronald-arculli-as-chairman/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-appoints-ronald-arculli-as-chairman/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-appoints-ronald-arculli-as-chairman/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-appoints-ronald-arculli-as-chairman/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-appoints-ronald-arculli-as-chairman/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-appoints-ronald-arculli-as-chairman/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-celebrates-official-opening-of-house-1881/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-celebrates-official-opening-of-house-1881/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-celebrates-official-opening-of-house-1881/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-celebrates-official-opening-of-house-1881/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-celebrates-official-opening-of-house-1881/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-celebrates-official-opening-of-house-1881/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-celebrates-official-opening-of-house-1881/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-celebrates-official-opening-of-house-1881/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-chief-executive-officer-huynh-thanh-phong-appears-on-cnbc-live-at-singapore-summit-2019/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-chief-executive-officer-huynh-thanh-phong-appears-on-cnbc-live-at-singapore-summit-2019/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-chief-executive-officer-huynh-thanh-phong-appears-on-cnbc-live-at-singapore-summit-2019/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-chief-executive-officer-huynh-thanh-phong-appears-on-cnbc-live-at-singapore-summit-2019/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-chief-executive-officer-huynh-thanh-phong-appears-on-cnbc-live-at-singapore-summit-2019/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-chief-executive-officer-huynh-thanh-phong-appears-on-cnbc-live-at-singapore-summit-2019/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-chief-executive-officer-huynh-thanh-phong-appears-on-cnbc-live-at-singapore-summit-2019/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-chief-executive-officer-huynh-thanh-phong-appears-on-cnbc-live-at-singapore-summit-2019/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-aig-fuji-life-insurance-company/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-aig-fuji-life-insurance-company/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-acquisition-of-aig-fuji-life-insurance-company/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-aig-fuji-life-insurance-company/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-acquisition-of-aig-fuji-life-insurance-company/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-aig-fuji-life-insurance-company/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-acquisition-of-aig-fuji-life-insurance-company/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-aig-fuji-life-insurance-company/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-scb-life-assurance-and-enters-15-year-bancassurance-partnership/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-scb-life-assurance-and-enters-15-year-bancassurance-partnership/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-acquisition-of-scb-life-assurance-and-enters-15-year-bancassurance-partnership/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-scb-life-assurance-and-enters-15-year-bancassurance-partnership/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-acquisition-of-scb-life-assurance-and-enters-15-year-bancassurance-partnership/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-scb-life-assurance-and-enters-15-year-bancassurance-partnership/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-acquisition-of-scb-life-assurance-and-enters-15-year-bancassurance-partnership/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-scb-life-assurance-and-enters-15-year-bancassurance-partnership/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-vietcombank-cardif-life-insurance/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-vietcombank-cardif-life-insurance/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-acquisition-of-vietcombank-cardif-life-insurance/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-vietcombank-cardif-life-insurance/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-acquisition-of-vietcombank-cardif-life-insurance/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-vietcombank-cardif-life-insurance/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-completes-acquisition-of-vietcombank-cardif-life-insurance/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-completes-acquisition-of-vietcombank-cardif-life-insurance/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-enters-singapore-insurance-market/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-enters-singapore-insurance-market/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-enters-singapore-insurance-market/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-enters-singapore-insurance-market/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-enters-singapore-insurance-market/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-enters-singapore-insurance-market/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-enters-singapore-insurance-market/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-enters-singapore-insurance-market/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-returns-as-title-sponsor-of-the-north-pole-marathon-for-2018/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-returns-as-title-sponsor-of-the-north-pole-marathon-for-2018/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-returns-as-title-sponsor-of-the-north-pole-marathon-for-2018/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-returns-as-title-sponsor-of-the-north-pole-marathon-for-2018/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-returns-as-title-sponsor-of-the-north-pole-marathon-for-2018/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-returns-as-title-sponsor-of-the-north-pole-marathon-for-2018/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-returns-as-title-sponsor-of-the-north-pole-marathon-for-2018/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-returns-as-title-sponsor-of-the-north-pole-marathon-for-2018/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-simeon-preston-as-managing-director-and-group-chief-operating-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-simeon-preston-as-managing-director-and-group-chief-operating-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-simeon-preston-as-managing-director-and-group-chief-operating-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-simeon-preston-as-managing-director-and-group-chief-operating-officer/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-simeon-preston-as-managing-director-and-group-chief-operating-officer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-simeon-preston-as-managing-director-and-group-chief-operating-officer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-simeon-preston-as-managing-director-and-group-chief-operating-officer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-simeon-preston-as-managing-director-and-group-chief-operating-officer/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-khor-kee-eng-as-singapore-ceo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-khor-kee-eng-as-singapore-ceo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-khor-kee-eng-as-singapore-ceo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-khor-kee-eng-as-singapore-ceo/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-khor-kee-eng-as-singapore-ceo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-khor-kee-eng-as-singapore-ceo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-khor-kee-eng-as-singapore-ceo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-khor-kee-eng-as-singapore-ceo/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-returns-as-title-sponsor-of-the-fwd-north-pole-marathon/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-returns-as-title-sponsor-of-the-fwd-north-pole-marathon/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-returns-as-title-sponsor-of-the-fwd-north-pole-marathon/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-returns-as-title-sponsor-of-the-fwd-north-pole-marathon/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-returns-as-title-sponsor-of-the-fwd-north-pole-marathon/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-returns-as-title-sponsor-of-the-fwd-north-pole-marathon/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-returns-as-title-sponsor-of-the-fwd-north-pole-marathon/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-returns-as-title-sponsor-of-the-fwd-north-pole-marathon/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-to-enter-vietnam/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-to-enter-vietnam/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-to-enter-vietnam/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-to-enter-vietnam/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-to-enter-vietnam/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-to-enter-vietnam/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-to-enter-vietnam/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-to-enter-vietnam/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-hideki-yamagishi-as-chief-executive-officer-for-japan/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-hideki-yamagishi-as-chief-executive-officer-for-japan/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-hideki-yamagishi-as-chief-executive-officer-for-japan/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-hideki-yamagishi-as-chief-executive-officer-for-japan/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-hideki-yamagishi-as-chief-executive-officer-for-japan/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-hideki-yamagishi-as-chief-executive-officer-for-japan/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-appoints-hideki-yamagishi-as-chief-executive-officer-for-japan/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-appoints-hideki-yamagishi-as-chief-executive-officer-for-japan/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-acquires-lease-for-historic-hotel-in-1881-heritage/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-acquires-lease-for-historic-hotel-in-1881-heritage/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-acquires-lease-for-historic-hotel-in-1881-heritage/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-acquires-lease-for-historic-hotel-in-1881-heritage/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-acquires-lease-for-historic-hotel-in-1881-heritage/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-acquires-lease-for-historic-hotel-in-1881-heritage/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-acquires-lease-for-historic-hotel-in-1881-heritage/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-acquires-lease-for-historic-hotel-in-1881-heritage/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-launches-the-fwd-start-up-studio/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-launches-the-fwd-start-up-studio/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-launches-the-fwd-start-up-studio/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-launches-the-fwd-start-up-studio/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-launches-the-fwd-start-up-studio/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-launches-the-fwd-start-up-studio/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-launches-the-fwd-start-up-studio/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-launches-the-fwd-start-up-studio/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-launches-second-season-of-podcast/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-launches-second-season-of-podcast/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-launches-second-season-of-podcast/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-launches-second-season-of-podcast/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-launches-second-season-of-podcast/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-launches-second-season-of-podcast/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-launches-second-season-of-podcast/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-launches-second-season-of-podcast/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/statement-on-group-wide-supervision-framework-designation/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/statement-on-group-wide-supervision-framework-designation/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/statement-on-group-wide-supervision-framework-designation/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/statement-on-group-wide-supervision-framework-designation/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/statement-on-group-wide-supervision-framework-designation/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/statement-on-group-wide-supervision-framework-designation/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/statement-on-group-wide-supervision-framework-designation/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/statement-on-group-wide-supervision-framework-designation/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-announces-update-to-bond-consent-solicitation-and-publication-of-annual-results/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-files-listing-application-with-the-hong-kong-stock-exchange/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-files-listing-application-with-the-hong-kong-stock-exchange/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-files-listing-application-with-the-hong-kong-stock-exchange/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-files-listing-application-with-the-hong-kong-stock-exchange/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-files-listing-application-with-the-hong-kong-stock-exchange/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-files-listing-application-with-the-hong-kong-stock-exchange/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-files-listing-application-with-the-hong-kong-stock-exchange/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-files-listing-application-with-the-hong-kong-stock-exchange/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/professor-frederick-ma-to-succeed-the-hon-ronald-arculli-as-fwd-group-chairman/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/professor-frederick-ma-to-succeed-the-hon-ronald-arculli-as-fwd-group-chairman/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/professor-frederick-ma-to-succeed-the-hon-ronald-arculli-as-fwd-group-chairman/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/professor-frederick-ma-to-succeed-the-hon-ronald-arculli-as-fwd-group-chairman/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/professor-frederick-ma-to-succeed-the-hon-ronald-arculli-as-fwd-group-chairman/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/professor-frederick-ma-to-succeed-the-hon-ronald-arculli-as-fwd-group-chairman/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/professor-frederick-ma-to-succeed-the-hon-ronald-arculli-as-fwd-group-chairman/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/professor-frederick-ma-to-succeed-the-hon-ronald-arculli-as-fwd-group-chairman/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-unveils-press-play-brand-campaign/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-unveils-press-play-brand-campaign/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-unveils-press-play-brand-campaign/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-unveils-press-play-brand-campaign/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-unveils-press-play-brand-campaign/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-unveils-press-play-brand-campaign/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-unveils-press-play-brand-campaign/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-unveils-press-play-brand-campaign/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-life-hong-kong-assigned-strong-financial-strength-ratings/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-hong-kong-assigned-strong-financial-strength-ratings/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-life-hong-kong-assigned-strong-financial-strength-ratings/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-hong-kong-assigned-strong-financial-strength-ratings/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-life-hong-kong-assigned-strong-financial-strength-ratings/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-hong-kong-assigned-strong-financial-strength-ratings/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-life-hong-kong-assigned-strong-financial-strength-ratings/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-hong-kong-assigned-strong-financial-strength-ratings/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-announces-update-to-bond-consent-solicitation-and-publication-of-half-year-results/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-announces-update-to-bond-consent-solicitation-and-publication-of-half-year-results/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-announces-update-to-bond-consent-solicitation-and-publication-of-half-year-results/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-announces-update-to-bond-consent-solicitation-and-publication-of-half-year-results/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-announces-update-to-bond-consent-solicitation-and-publication-of-half-year-results/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-announces-update-to-bond-consent-solicitation-and-publication-of-half-year-results/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-announces-update-to-bond-consent-solicitation-and-publication-of-half-year-results/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-announces-update-to-bond-consent-solicitation-and-publication-of-half-year-results/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-group-appoints-david-korunic-as-new-scblife-ceo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-appoints-david-korunic-as-new-scblife-ceo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-appoints-david-korunic-as-new-scblife-ceo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-appoints-david-korunic-as-new-scblife-ceo/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-group-appoints-david-korunic-as-new-scblife-ceo/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-appoints-david-korunic-as-new-scblife-ceo/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-group-appoints-david-korunic-as-new-scblife-ceo/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-group-appoints-david-korunic-as-new-scblife-ceo/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-life-insurance-enters-the-philippines/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-insurance-enters-the-philippines/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-life-insurance-enters-the-philippines/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-insurance-enters-the-philippines/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-life-insurance-enters-the-philippines/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-insurance-enters-the-philippines/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-life-insurance-enters-the-philippines/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-life-insurance-enters-the-philippines/"/></url><url><loc>https://www.fwd.com/zh/newsroom/press-releases/fwd-insurance-launches-first-ever-podcast-series/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-insurance-launches-first-ever-podcast-series/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-insurance-launches-first-ever-podcast-series/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-insurance-launches-first-ever-podcast-series/"/></url><url><loc>https://www.fwd.com/en/newsroom/press-releases/fwd-insurance-launches-first-ever-podcast-series/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-insurance-launches-first-ever-podcast-series/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/press-releases/fwd-insurance-launches-first-ever-podcast-series/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/press-releases/fwd-insurance-launches-first-ever-podcast-series/"/></url><url><loc>https://www.fwd.com/zh/investors/results-and-reports/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/results-and-reports/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/results-and-reports/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/results-and-reports/"/></url><url><loc>https://www.fwd.com/en/investors/results-and-reports/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/results-and-reports/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/results-and-reports/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/results-and-reports/"/></url><url><loc>https://www.fwd.com/zh/investors/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/"/></url><url><loc>https://www.fwd.com/en/investors/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/"/></url><url><loc>https://www.fwd.com/zh/newsroom/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/"/></url><url><loc>https://www.fwd.com/en/newsroom/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/newsroom/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/newsroom/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/newsroom/"/></url><url><loc>https://www.fwd.com/zh/our-fact-sheet/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/our-fact-sheet/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/our-fact-sheet/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/our-fact-sheet/"/></url><url><loc>https://www.fwd.com/en/our-fact-sheet/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/our-fact-sheet/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/our-fact-sheet/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/our-fact-sheet/"/></url><url><loc>https://www.fwd.com/zh/esg/community-care/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/esg/community-care/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/esg/community-care/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/esg/community-care/"/></url><url><loc>https://www.fwd.com/en/esg/community-care/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/esg/community-care/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/esg/community-care/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/esg/community-care/"/></url><url><loc>https://www.fwd.com/zh/join-us/become-an-agent/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/join-us/become-an-agent/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/join-us/become-an-agent/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/join-us/become-an-agent/"/></url><url><loc>https://www.fwd.com/en/join-us/become-an-agent/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/join-us/become-an-agent/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/join-us/become-an-agent/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/join-us/become-an-agent/"/></url><url><loc>https://www.fwd.com/zh/online-security/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/online-security/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/online-security/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/online-security/"/></url><url><loc>https://www.fwd.com/en/online-security/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/online-security/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/online-security/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/online-security/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-team/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/"/></url><url><loc>https://www.fwd.com/en/about-us/our-team/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-team/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-team/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-team/"/></url><url><loc>https://www.fwd.com/zh/about-us/what-we-do/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/what-we-do/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/what-we-do/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/what-we-do/"/></url><url><loc>https://www.fwd.com/en/about-us/what-we-do/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/what-we-do/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/what-we-do/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/what-we-do/"/></url><url><loc>https://www.fwd.com/zh/about-us/corporate-governance/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/corporate-governance/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/corporate-governance/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/corporate-governance/"/></url><url><loc>https://www.fwd.com/en/about-us/corporate-governance/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/corporate-governance/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/corporate-governance/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/corporate-governance/"/></url><url><loc>https://www.fwd.com/zh/investors/financial-calendar/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/financial-calendar/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/financial-calendar/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/financial-calendar/"/></url><url><loc>https://www.fwd.com/en/investors/financial-calendar/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/financial-calendar/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/financial-calendar/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/financial-calendar/"/></url><url><loc>https://www.fwd.com/zh/investors/shareholder-information/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/shareholder-information/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/shareholder-information/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/shareholder-information/"/></url><url><loc>https://www.fwd.com/en/investors/shareholder-information/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/shareholder-information/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/shareholder-information/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/shareholder-information/"/></url><url><loc>https://www.fwd.com/zh/investors/credit-investors/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/credit-investors/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/credit-investors/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/credit-investors/"/></url><url><loc>https://www.fwd.com/en/investors/credit-investors/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/credit-investors/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/credit-investors/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/credit-investors/"/></url><url><loc>https://www.fwd.com/zh/about-us/our-board/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-board/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-board/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-board/"/></url><url><loc>https://www.fwd.com/en/about-us/our-board/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/our-board/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/our-board/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/our-board/"/></url><url><loc>https://www.fwd.com/zh/contact-us/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/contact-us/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/contact-us/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/contact-us/"/></url><url><loc>https://www.fwd.com/en/contact-us/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/contact-us/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/contact-us/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/contact-us/"/></url><url><loc>https://www.fwd.com/zh/investors/share-price/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/share-price/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/share-price/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/share-price/"/></url><url><loc>https://www.fwd.com/en/investors/share-price/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/share-price/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/share-price/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/share-price/"/></url><url><loc>https://www.fwd.com/zh/investors/contact-investor-relations/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/contact-investor-relations/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/contact-investor-relations/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/contact-investor-relations/"/></url><url><loc>https://www.fwd.com/en/investors/contact-investor-relations/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/investors/contact-investor-relations/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/investors/contact-investor-relations/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/investors/contact-investor-relations/"/></url><url><loc>https://www.fwd.com/zh/playmyway/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/playmyway/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/playmyway/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/playmyway/"/></url><url><loc>https://www.fwd.com/en/playmyway/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/playmyway/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/playmyway/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/playmyway/"/></url><url><loc>https://www.fwd.com/zh/esg/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/esg/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/esg/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/esg/"/></url><url><loc>https://www.fwd.com/en/esg/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/esg/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/esg/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/esg/"/></url><url><loc>https://www.fwd.com/zh/privacy-notice/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/privacy-notice/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/privacy-notice/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/privacy-notice/"/></url><url><loc>https://www.fwd.com/en/privacy-notice/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/privacy-notice/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/privacy-notice/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/privacy-notice/"/></url><url><loc>https://www.fwd.com/zh/timetoplay/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/timetoplay/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/timetoplay/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/timetoplay/"/></url><url><loc>https://www.fwd.com/en/timetoplay/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/timetoplay/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/timetoplay/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/timetoplay/"/></url><url><loc>https://www.fwd.com/zh/about-us/where-we-are/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/where-we-are/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/where-we-are/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/where-we-are/"/></url><url><loc>https://www.fwd.com/en/about-us/where-we-are/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/about-us/where-we-are/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/about-us/where-we-are/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/about-us/where-we-are/"/></url><url><loc>https://www.fwd.com/zh/disclaimer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/disclaimer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/disclaimer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/disclaimer/"/></url><url><loc>https://www.fwd.com/en/disclaimer/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/disclaimer/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/disclaimer/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/disclaimer/"/></url><url><loc>https://www.fwd.com/zh/sitemap/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/sitemap/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/sitemap/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/sitemap/"/></url><url><loc>https://www.fwd.com/en/sitemap/</loc><xhtml:link rel="alternate" hreflang="zh-hk" href="https://www.fwd.com/zh/sitemap/"/><xhtml:link rel="alternate" hreflang="en-hk" href="https://www.fwd.com/en/sitemap/"/><xhtml:link rel="alternate" hreflang="x-default" href="https://www.fwd.com/zh/sitemap/"/></url></urlset>