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截至2024年6月30日止6個月的未經審計業績公告

Announcement of Unaudited Results for the Six Months Ended June 30, 2024

HKEX ·  Aug 22 17:54

Summary by Futu AI

中國平安保險(集團)股份有限公司於2024年8月22日公布了截至2024年6月30日止六個月的未經審計財務結果。該公司的營運利潤為人民幣784.82億元,較去年同期下降0.6%。年化營運資本回報率為16.4%。其中,壽險及健康險業務營運利潤達人民幣546.57億元,年增0.7%;財產及意外險業務營運利潤為人民幣99.09億元,年增7.2%;銀行業務營運利潤為人民幣149.99億元,年增1.9%;資產管理業務營運利潤為人民幣12.96億元,年減8.2%;科技業務營運利潤為人民幣2.91億元,年減83.2%。董事會批准了2024年中期每股派發人民幣0.93元的股息。集團的綜合償付能力比率為208....展開全部
中國平安保險(集團)股份有限公司於2024年8月22日公布了截至2024年6月30日止六個月的未經審計財務結果。該公司的營運利潤為人民幣784.82億元,較去年同期下降0.6%。年化營運資本回報率為16.4%。其中,壽險及健康險業務營運利潤達人民幣546.57億元,年增0.7%;財產及意外險業務營運利潤為人民幣99.09億元,年增7.2%;銀行業務營運利潤為人民幣149.99億元,年增1.9%;資產管理業務營運利潤為人民幣12.96億元,年減8.2%;科技業務營運利潤為人民幣2.91億元,年減83.2%。董事會批准了2024年中期每股派發人民幣0.93元的股息。集團的綜合償付能力比率為208.8%,遠高於監管要求,核心償付能力比率為164.9%。集團母公司的即時可用資金餘額為人民幣458.35億元,保持在合理水平。AI客服的使用量約為8.7億次,覆蓋了平安80%的客服總量。智能核保和理賠持續改進,最快的理賠僅需10秒。集團的個人客戶數達到2.36億,較年初增加1.9%,每位客戶的平均合約數為2.93份,2024年上半年每位客戶的平均營運利潤為人民幣260.37元。醫療和養老生態系統涵蓋保險、醫療服務、投資和技術,截至2024年6月30日,該生態系統擁有約5萬名醫生、超過3.6萬家合作醫院和23.3萬家合作藥房。生命和健康保險業務的風險折現率為9.5%,非聯結壽險基金的未來年投資回報率為4.5%,假設的平均稅率為每年25%,每年有20%的投資收入免稅。敏感性分析計算了投資回報和風險折現率上升或下降50個基點、死亡率、疾病率和事故發生率上升10%、保單失效率上升10%、維護成本上升10%、保單持有人紅利比率上升5%以及股票資產公允價值下降10%的影響。
Ping An Insurance (Group) Co., Ltd. announced its unaudited financial results for the six months ended June 30, 2024 on August 22, 2024. The company's operating profit was CNY 78.482 billion, a decrease of 0.6% compared to the same period last year. The annualized return on operating capital (ROI) was 16.4%. Among them, the operating profit of life and health insurance business reached CNY 54.657 billion, a year-on-year increase of 0.7%; the operating profit of property and casualty insurance business was CNY 9.909 billion, a year-on-year increase of 7.2%; The operating profit of the banking business was CNY 14.999 billion, a year-on-year increase of 1.9%; the operating profit of the asset management business was CNY 1.296 billion, a year-on-year decrease of 8.2%; the operating profit of...Show More
Ping An Insurance (Group) Co., Ltd. announced its unaudited financial results for the six months ended June 30, 2024 on August 22, 2024. The company's operating profit was CNY 78.482 billion, a decrease of 0.6% compared to the same period last year. The annualized return on operating capital (ROI) was 16.4%. Among them, the operating profit of life and health insurance business reached CNY 54.657 billion, a year-on-year increase of 0.7%; the operating profit of property and casualty insurance business was CNY 9.909 billion, a year-on-year increase of 7.2%; The operating profit of the banking business was CNY 14.999 billion, a year-on-year increase of 1.9%; the operating profit of the asset management business was CNY 1.296 billion, a year-on-year decrease of 8.2%; the operating profit of the technology business was CNY 0.291 billion, a year-on-year decrease of 83.2%. The board of directors approved a dividend of CNY 0.93 per share for the first half of 2024. The group's comprehensive solvency ratio was 208.8%, far exceeding regulatory requirements, and the core solvency ratio was 164.9%. The real-time available funds balance of the group's parent company was CNY 45.835 billion, maintaining a reasonable level. The usage of AI customer service was approximately 0.87 billion times, covering 80% of Ping An's total customer service. Intelligent underwriting and claims continued to improve, with the fastest claims processed in just 10 seconds. The group's individual customer base reached 0.236 billion, an increase of 1.9% compared to the beginning of the year, and the average number of contracts per customer was 2.93. The average operating profit per customer in the first half of 2024 was CNY 260.37. The medical and retirement ecosystem covers insurance, medical services, investment, and technology. As of June 30, 2024, the ecosystem had approximately 0.05 million doctors, over 0.036 million affiliated hospitals, and 230,000 affiliated pharmacies. The risk discount rate of life and health insurance business was 9.5%, and the future annual investment return rate of non-consolidated life insurance funds was 4.5%. The assumed average tax rate is 25%, and 20% of investment income is tax-free each year. Sensitivity analysis was conducted to assess the impact of a 50 basis points increase or decrease in investment return and risk discount rate, a 10% increase in mortality rate, disease rate, and accident rate, a 10% increase in policy lapse rate, a 10% increase in maintenance costs, a 5% increase in policyholder dividend ratio, and a 10% decrease in fair value of stock assets.

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