中国平安保险（集团）股份有限公司 关于会计师事务所 2025 年度履职情况评估报告 中国平安保险（集团）股份有限公司（以下简称"公司"）聘请安 永华明会计师事务所（特殊普通合伙）（以下简称"安永华明"）作为公 司 2025 年度中国会计准则财务报告审计机构。 根据财政部、国资委及证监会颁布的《国有企业、上市公司选聘 会计师事务所管理办法》，公司对安永华明在审计中的履职情况进行 了评估。经评估，公司认为，安永华明资质等方面合规有效，履职能 够保持独立性，勤勉尽责，公允表达意见。具体情况如下。 一、资质条件 安永华明于 1992 年 9 月成立，2012 年 8 月完成本土化转制， 从一家中外合作的有限责任制事务所转制为特殊普通合伙制事务所。 安永华明总部设在北京，注册地址为北京市东城区东长安街 1 号东方 广场安永大楼 17 层 01-12 室。截至 2025 年末拥有合伙人 249 人，首 席合伙人为毛鞍宁先生。安永华明拥有财政部颁发的会计师事务所执 业资格，于美国公共公司会计监督委员会（US PCAOB）注册，是中 国首批获得证券期货相关业务资格和 H 股企业审计资格事务所之一， 在证券业务服务方面具有丰富 ...

自愿参与本公司 2026 年度长期服务计划的员工共 71,374 人，参与资金总额合 计人民币 403,245 万元，来源于员工应付薪酬额度。其中，本公司的董事、监事、 高级管理人员与其他员工在 2026 年度长期服务计划中的参与情况如下： | 持有人 | | 资金总额 | 占 年度长期服务 2026 | | --- | --- | --- | --- | | | | （人民币万元） | 计划的比例（%） | | 董事、监事及高级管理人员 | * | 10,285 | 2.55 | | 其他员工 | | 392,960 | 97.45 | | 合计 | | 403,245 | 100.00 | 证券代码：601318 证券简称：中国平安 公告编号：临 2026-009 中国平安保险（集团）股份有限公司 关于 2026 年度长期服务计划实施方案的公告 中国平安保险（集团）股份有限公司（以下简称"本公司"）董事会及全体董事保 证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实 性、准确性和完整性承担法律责任。 本公司于 2026 年 3 月 26 日召开第十三届董事会第十三次会议审议通过了《 ...

中国平安保险(集团)股份有限公司 (在中华人民共和国注册成立) 已审财务报表 2025年度 目录 | | | 页码 | | --- | --- | --- | | 一、 | 审计报告 | 1-7 | | 二、 | 已审财务报表 | | | | 合并资产负债表 | 8-10 | | | 合并利润表 | 11-12 | | | 合并股东权益变动表 | 13-14 | | | 合并现金流量表 | 15-16 | | | 公司资产负债表 | 17 | | | 公司利润表 | 18 | | | 公司股东权益变动表 | 19-20 | | | 公司现金流量表 | 21 | | | 财务报表附注 | 22-189 | 附录：财务报表补充资料 | 1. | 非经常性损益表 | A-1 | | --- | --- | --- | | 2. | 中国会计准则与国际财务报告准则编报差异调节表 | A-2 | | 3. | 净资产收益率和每股收益 | A-3 | 审计报告 安永华明（2026）审字第70008883_A01号 中国平安保险（集团）股份有限公司 中国平安保险（集团）股份有限公司全体股东： 一、审计意见 我们审计了中国平 ...

报告开篇 | 报告说明 | 02 | | --- | --- | | 关于平安 | 03 | | 年度成绩与认可 | 04 | C目录ontents 01 可持续的战略管理 | 战略规划 | 10 | | --- | --- | | 治理体系 | 14 | | 重要性评估 | 16 | | 利益相关方沟通 | 20 | | ESG风险管理 | 22 | 03 可持续的运营与社区 | 乡村振兴与社区影响力 | 62 | | --- | --- | | 可持续供应链 | 78 | | 消费者保护与体验 | 80 | | 员工及代理人发展与保障 | 85 | 05 可持续的治理 | 公司治理 | 123 | | --- | --- | | 商业守则 | 127 | | 信息安全与AI治理 | 131 | 02 可持续的业务 | 助力实体经济 | 25 | | --- | --- | | 可持续保险 | 32 | | 负责任银行 | 39 | | 负责任投资 | 45 | | 负责任产品 | 53 | | 科技创新 | 58 | 04 可持续的自然 | 气候变化与碳中和 | 101 | | --- | --- | | ...

2025年业绩报告 高值增长，服务创新 2026年 3 月 有关前瞻性陈述之提示声明 除历史事实陈述外，本演示材料中包括了某些"前瞻性陈述"。所有本公司预计或期待未来可能发生的(包括但不限于)预测、目标、 估计及经营计划都属于前瞻性陈述。某些字词，例如「潜在」、「估计」、「预期」、「预计」、「目的」、「有意」、「计 划」、「相信」、「将」、「可能」、「应该」，以及这些字词的其他组合及类似措辞，均显示相关文字为前瞻性陈述。 前瞻性陈述涉及一些通常或特别的已知和未知的风险与不明朗因素。读者务请注意这些因素，其大部分不受本公司控制，影响着 公司的表现、运作及实际业绩。受上述因素的影响，本公司未来的实际结果可能会与这些前瞻性陈述出现重大差异。这些因素包 括但不限于：汇率变动、市场份额、同业竞争、环境风险、法律、财政和监管变化、国际经济和金融市场条件及其他非本公司可 控制的风险和因素。本报告中的前瞻性描述不构成本公司对投资者的实质性承诺，投资者及相关人士均应当对此保持足够的风险 认识，并且应当理解计划、预测等前瞻性描述与承诺之间的差异。任何人需审慎考虑上述及其他因素，并不可完全依赖本公司的 "前瞻性陈述"，且应注意投资 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何 部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條而作出。 茲載列中國平安保險（集團）股份有限公司在上海證券交易所網站刊登的根 據中國會計準則編制的「中國平安保險（集團）股份有限公司2025年年度報 告摘要」，僅供參閱。 承董事會命 盛瑞生 公司秘書 中國深圳，2026年3月26日 於本公告日期，本公司的執行董事為馬明哲、謝永林、郭曉濤、付欣及蔡方方；非執 行董事為謝吉人、楊小平、何建鋒及蔡潯；獨立非執行董事為吳港平、金李、王廣謙、 洪小源、宋獻中及陳曉峰。 2025年年度报告摘要 （股票代码：601318） 二〇二六年三月二十六日 2025 年年度报告摘要 一、重要提示 1.5 公司简介 | 股票简称 | 中国平安 | | | --- | --- | --- | | 股票代码 | H A 股：601318 | 股：02318（港币柜台） | | | | 82318（人民币 ...

Core Insights - China Ping An reported strong growth in its 2025 annual performance, highlighting a resilient and sustainable business model driven by its "comprehensive finance + healthcare and elderly care" strategy [1][3] Financial Performance - The operating profit attributable to shareholders reached 134.415 billion yuan, a year-on-year increase of 10.3% - The net profit attributable to shareholders after deducting non-recurring items was 143.773 billion yuan, up 22.5% year-on-year - Total revenue amounted to 1,050.506 billion yuan, reflecting a 2.1% year-on-year growth - Shareholder equity surpassed 1 trillion yuan for the first time, reaching 1,000.419 billion yuan, a 7.7% increase from the beginning of the year [3][4] Cash Dividends - Cash dividends totaled 48.891 billion yuan, marking a continuous increase for 14 years - The proposed final dividend for 2025 is 1.75 yuan per share, with an annual dividend of 2.70 yuan per share, representing a 5.9% year-on-year growth - The cash dividend payout ratio based on operating profit is 36.4% [3] Asset Growth - Total assets reached 13.889 trillion yuan, an increase of nearly 1 trillion yuan compared to the previous year - Despite the growth in operating profit, there remains a gap compared to 2022 (146.9 billion yuan) and 2021 (147.9 billion yuan) [4] Business Segment Performance - The life and health insurance segment showed growth, with new business value at 36.897 billion yuan, a 29.3% increase year-on-year - The new business value rate (based on standard premiums) was 28.5%, up 5.8 percentage points year-on-year - The agent channel's new business value grew by 10.4%, while the bank insurance channel saw a significant increase of 138.0% [5] Property Insurance - The property insurance segment reported original insurance premium income of 343.168 billion yuan, a 6.6% increase year-on-year - The overall combined cost ratio improved to 96.8%, a 1.5 percentage point optimization year-on-year [6] Banking Sector Challenges - Ping An Bank's revenue was 131.442 billion yuan, down 10.4% year-on-year, with net profit at 42.633 billion yuan, a decrease of 4.2% - The non-performing loan ratio remained stable at 1.05%, with a provision coverage ratio of 220.88% [6] Healthcare and Elderly Care Strategy - The healthcare and elderly care strategy has shown progress, with partnerships covering 100% of top hospitals and a significant number of clients receiving home care services - The company aims to enhance customer experience through AI-driven service upgrades, creating a unified service entry point for various needs [7][8]

Core Insights - China Ping An Insurance (Group) Co., Ltd. reported a 10.3% year-on-year increase in operating profit to CNY 134.415 billion for the year 2025, with a 22.5% increase in net profit attributable to shareholders, reaching CNY 143.773 billion [1][3] - The company announced a final dividend of CNY 1.75 per share, totaling CNY 48.891 billion in cash dividends, marking 14 consecutive years of dividend growth [1] Life and Health Insurance Business - The new business value for life and health insurance grew by 29.3% to CNY 36.897 billion in 2025, with agent channel new business value increasing by 10.4% and bank insurance channel new business value soaring by 138.0% [3] - The contribution from bank insurance, community financial services, and other channels to new business value increased by 12.1 percentage points year-on-year [3] - The number of customers using medical and elderly care services reached 18.298 million, with a 13-month policy continuation rate of 97.4%, up by 1.0 percentage points [3] Property and Casualty Insurance - The property and casualty insurance segment reported a premium income of CNY 343.168 billion, a 6.6% increase, while insurance service income rose by 3.3% to CNY 338.912 billion [3] - The overall combined cost ratio improved by 1.5 percentage points to 96.8%, with the auto insurance combined cost ratio improving by 2.3% to 95.8% [3] - The segment provided risk protection for 2.93 million small and micro enterprises, covering CNY 37.304 trillion in risks [3] Investment Performance - As of the end of 2025, the investment portfolio of insurance funds reached CNY 6.49 trillion, a 13.2% increase from the beginning of the year, with a comprehensive investment return rate of 6.3%, up by 0.5 percentage points [4] - The asset allocation included 55.0% in bonds, 14.8% in stocks, and 4.4% in equity funds, with 99.9% of corporate bonds rated AAA or above [4] Healthcare and Elderly Care Strategy - The company has been intensifying its healthcare and elderly care strategy, aiming to create an upgraded version of a managed healthcare model and become a leading operator in the elderly care ecosystem in China [5] Health Insurance and Technology Integration - In 2025, health insurance premium income reached CNY 159 billion, with medical insurance premium income close to CNY 73.4 billion, reflecting a 2.7% year-on-year growth [6] - The company launched various AI-driven products, including digital health assistants and AI doctors, covering over 11,300 diseases with a diagnostic accuracy rate of 95.1% [6]

格隆汇3月26日丨中国平安(02318.HK)公布，谨定于2026年4月28日(星期二)举行董事会会议，以考虑及 通过集团截至2026年3月31日止三个月的第一季度业绩，以及处理任何其他事项。 ...

Core Viewpoint - The article emphasizes the strategic transformation of Ping An Insurance in response to the "14th Five-Year Plan," focusing on high-quality development and innovation in financial services, particularly in insurance and healthcare sectors [1][14]. Group 1: Overall Performance - In 2025, Ping An achieved total revenue of 105.05 billion yuan, a growth of 2.1%, and operating profit of 13.44 billion yuan, increasing by 10.3% [3]. - The company's net profit attributable to shareholders, excluding non-recurring items, rose by 22.5% to 14.38 billion yuan, marking a significant operational improvement [2][3]. - Ping An's net assets surpassed 1 trillion yuan for the first time, reaching 1,000.41 billion yuan, showcasing its financial health and risk resilience [3][4]. Group 2: High-Value Growth - The new business value (NBV) of life and health insurance surged by 29.3% to 36.89 billion yuan, continuing a trend of double-digit growth for three consecutive years [5][6]. - The property insurance segment reported a premium income of 343.17 billion yuan, a 6.6% increase, with a combined ratio (COR) of 96.8%, the best in six years [7][8]. - Investment yield reached 6.3%, the highest in five years, reflecting effective asset management strategies [8]. Group 3: Strategic Deepening - The number of individual customers exceeded 251 million, with a focus on enhancing customer engagement through a comprehensive financial model [9][10]. - Ping An's strategy emphasizes the integration of healthcare and elderly care services, creating a second growth curve for the company [12][13]. - The company aims to enhance operational efficiency through cross-selling and customer management, achieving a 99% retention rate for clients holding three or more products [11]. Group 4: Service Innovation - Ping An is committed to transforming its service model, focusing on AI-driven quick service portals and global emergency rescue services [15][16]. - The company aims to address societal needs by integrating financial services with healthcare, positioning itself as a comprehensive service provider [16]. - The strategic initiatives align with national goals to enhance service quality and respond to demographic changes, particularly in aging populations [14][16].