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二零二四年中期報告

Interim Report 2024

HKEX ·  Sep 11 18:14
Summary by Moomoo AI
中國平安保險（集團）股份有限公司（簡稱「平安集團」）公布了2024年上半年的財務和營運表現報告。報告顯示，集團歸屬於股東的經營利潤為人民幣784.82億元，較去年同期下降0.6%。年化經營回報率為16.4%，並計劃派發中期每股現金股息人民幣0.93元。在業務表現方面，壽險和健康保險業務的新業務價值達到人民幣223.2億元，同比增長11.0%；財產和意外保險業務的保險服務收入同比增長3.9%；銀行業務的淨利潤為人民幣258.79億元，同比增長1.9%；資產管理業務的淨利潤為人民幣16.85億元，同比下降14.7%。科技業務方面，人工智能客服的服務量約為8.7億次，占平安集團總客服量的80%，智能...展開全部
中國平安保險（集團）股份有限公司（簡稱「平安集團」）公布了2024年上半年的財務和營運表現報告。報告顯示，集團歸屬於股東的經營利潤為人民幣784.82億元，較去年同期下降0.6%。年化經營回報率為16.4%，並計劃派發中期每股現金股息人民幣0.93元。在業務表現方面，壽險和健康保險業務的新業務價值達到人民幣223.2億元，同比增長11.0%；財產和意外保險業務的保險服務收入同比增長3.9%；銀行業務的淨利潤為人民幣258.79億元，同比增長1.9%；資產管理業務的淨利潤為人民幣16.85億元，同比下降14.7%。科技業務方面，人工智能客服的服務量約為8.7億次，占平安集團總客服量的80%，智能反詐騙索賠攔截系統使損失減少了人民幣61億元，同比增長4.3%。集團的綜合金融模式顯示，個人客戶數達到2.36億，自2023年底以來增長了1.9%，每位客戶平均合約數為2.93份，每位客戶的平均經營利潤為人民幣260.37元，同比下降8.2%。在醫療和養老生態系統方面，平安集團在2024年上半年服務了近160萬客戶，並將服務與集團的金融產品整合，提升了客戶價值和體驗。流動性和資本資源方面，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%，母公司截至2024年6月30日的可用資金為人民幣458.35億元。在資本配置方面，集團在集團層面管理資本配置，確保有足夠的資本支持戰略發展並保持財務靈活性。風險管理方面，集團建立了全面的風險管理系統，包括流動性風險管理，以確保集團能夠滿足其財務義務並保持穩定增長。
Ping An Insurance (Group) Co., Ltd. ("Ping An Group") has released its financial and operational performance report for the first half of 2024. The report shows that the group's attributable operating profit to shareholders is CNY 78.482 billion, a decrease of 0.6% compared to the same period last year. The annualized return on investment (ROI) is 16.4% and plans to distribute a mid-term cash dividend of CNY 0.93 per share. In terms of business performance, the new business value of life and health insurance reached CNY 22.32 billion, an increase of 11.0% year-on-year; the insurance service income of property and casualty insurance business increased by 3.9% year-on-year; the net profit of the banking business is CNY 25.879 billion, an increase of 1.9% year-on...Show More
Ping An Insurance (Group) Co., Ltd. ("Ping An Group") has released its financial and operational performance report for the first half of 2024. The report shows that the group's attributable operating profit to shareholders is CNY 78.482 billion, a decrease of 0.6% compared to the same period last year. The annualized return on investment (ROI) is 16.4% and plans to distribute a mid-term cash dividend of CNY 0.93 per share. In terms of business performance, the new business value of life and health insurance reached CNY 22.32 billion, an increase of 11.0% year-on-year; the insurance service income of property and casualty insurance business increased by 3.9% year-on-year; the net profit of the banking business is CNY 25.879 billion, an increase of 1.9% year-on-year; the net profit of the asset management business is CNY 1.685 billion, a decrease of 14.7% year-on-year. In terms of technology business, the AI customer service handled approximately 0.87 billion service requests, accounting for 80% of Ping An Group's total customer service volume. The intelligent anti-fraud and claim interception system reduced losses by CNY 6.1 billion, an increase of 4.3% year-on-year. The group's comprehensive financial model shows that the number of individual customers reached 0.236 billion, an increase of 1.9% since the end of 2023. The average number of contracts per customer is 2.93, and the average operating profit per customer is CNY 260.37, a decrease of 8.2% year-on-year. In the field of healthcare and retirement ecosystem, Ping An Group served nearly 1.6 million customers in the first half of 2024, and integrated services with the group's financial products to enhance customer value and experience. In terms of liquidity and capital resources, the group's comprehensive solvency adequacy ratio is 208.8%, far exceeding regulatory requirements. The core solvency adequacy ratio is 164.9%, and the available funds of the parent company as of June 30th, 2024, is CNY 45.835 billion. In terms of capital allocation, the group manages capital allocation at the group level to ensure sufficient capital support for strategic development and maintain financial flexibility. In terms of risk management, the group has established a comprehensive risk management system, including liquidity risk management, to ensure that the group can meet its financial obligations and maintain stable growth.

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