Citi has given a Buy rating to CTF SERVICES due to its sustainable dividend policy with a projected yield of about 7% for FY26, strong growth in annual premium income driven by CTF Life, and positive capital recycling. The improved trading liquidity since the stock became eligible for SH & SZ Stock Connect is expected to attract more investors. Additionally, the solid growth prospects in the insurance sector and dividend support may mitigate downside risks, making the stock attractive to investors.