About Us [Who We Are](index=3&type=section&id=Who%20We%20Are) The company has developed into a leading international "integrated finance + healthcare and elderly care" service group, ranking first in global insurance group brand value, serving nearly 247 million individual customers and over 4 million group customers, and listed in Hong Kong and Shanghai - The company is a leading international "integrated finance + healthcare and elderly care" service group, ranking first in global insurance group brand value[11](index=11&type=chunk) - Serves a large number of customers, covering nearly **247 million** individual customers and over **4 million** group customers[11](index=11&type=chunk) - The company is dual-listed on the Main Board of The Stock Exchange of Hong Kong (2318.HK) and the Shanghai Stock Exchange (601318.SH)[11](index=11&type=chunk) [Company Mission](index=4&type=section&id=Company%20Mission) The company is committed to becoming a leading international integrated financial, healthcare, and elderly care service group, upholding the philosophy of "Expertise Makes Life Simpler" by providing "worry-free, time-saving, and cost-effective" services to address customer pain points in finance, healthcare, and elderly care - The company's mission is to become a leading international integrated financial, healthcare, and elderly care service group, creating value for customers, employees, shareholders, and society[14](index=14&type=chunk) - Upholds the philosophy of "Expertise Makes Life Simpler," providing "worry-free, time-saving, and cost-effective" services[14](index=14&type=chunk)[15](index=15&type=chunk) - Achieves customer peace of mind, efficiency, convenience, and cost optimization through professional advisors, online/offline services, and integrated benefits[16](index=16&type=chunk)[17](index=17&type=chunk)[18](index=18&type=chunk) [Era Opportunities](index=5&type=section&id=Era%20Opportunities) China's economy enters a medium-to-high-speed growth phase, with an expanding middle class and accelerating population aging, driving strong demand for "insurance + services," efficient healthcare, and high-quality elderly care, ushering in a golden development period for the life insurance industry - China's economy is entering a medium-to-high-speed growth phase, with the middle-class population continuously expanding, projected to account for **one-third of the global total by 2030**[20](index=20&type=chunk)[21](index=21&type=chunk)[25](index=25&type=chunk) - Population aging is accelerating, with the proportion of people aged **65 and above expected to exceed 20% by 2030**, and the silver economy's scale potentially reaching **RMB 30 trillion by 2035**[20](index=20&type=chunk)[23](index=23&type=chunk)[26](index=26&type=chunk) - Healthcare demand is growing, with the total scale of the health service industry projected to reach **RMB 16 trillion by 2030**, but facing challenges such as uneven resource allocation[22](index=22&type=chunk)[27](index=27&type=chunk) [Company Strategy](index=6&type=section&id=Company%20Strategy) The company continues to deepen its "integrated finance + healthcare and elderly care" strategy, building core competitiveness through "service differentiation," leveraging technology to provide comprehensive financial advisory, family doctor, and elderly care management professional services, achieving service enhancement, efficiency improvement, cost reduction, and risk prevention - The company deepens its "integrated finance + healthcare and elderly care" strategy, building core competitiveness through "service differentiation"[28](index=28&type=chunk) - In integrated finance, it builds a "one customer, multiple accounts, diverse products, one-stop service" system to enhance customer loyalty[30](index=30&type=chunk) - In healthcare and elderly care, it represents the payer to integrate suppliers, providing cost-effective healthcare and elderly care services, and building professional family doctors and elderly care managers[33](index=33&type=chunk)[34](index=34&type=chunk) - Technology empowerment is central, utilizing AI large models, big data, and other technologies to achieve digital operations, management, and marketing, driving the transformation from "experience-based decision-making" to "data-driven decision-making"[36](index=36&type=chunk) - Technology empowerment yields significant results: AI doctors accurately diagnose over **10,000 diseases**, **94%** of life insurance policies are underwritten in seconds, AI customer service covers **80%** of total service volume, and property insurance anti-fraud intelligent claims interception reduces losses by **RMB 6.44 billion**[38](index=38&type=chunk)[39](index=39&type=chunk)[40](index=40&type=chunk) [Operating Highlights](index=10&type=section&id=Operating%20Highlights) In the first half of 2025, the Group maintained stable operations, with operating profit attributable to shareholders increasing by 3.7% year-on-year, and interim dividend per share growing by 2.2%; life and health insurance new business value surged by 39.8%, property and casualty insurance business grew steadily with optimized combined ratio; bank net profit remained stable with sound asset quality; integrated finance and healthcare & elderly care strategies continued to deepen, improving customer operating efficiency, and the brand value ranked first globally for insurance brands Group Key Financial Indicators for H1 2025 | Indicator | Amount/Ratio | Year-on-year/vs. beginning of year change | Notes | | :--- | :--- | :--- | :--- | | Operating Profit Attributable to Parent Company Shareholders | RMB 77.732 billion | 3.7% increase | | | Net Profit Attributable to Parent Company Shareholders | RMB 68.047 billion | - | | | Operating Revenue | RMB 546.469 billion | - | | | Equity Attributable to Parent Company Shareholders | RMB 943.952 billion | 1.7% increase | vs. beginning of year | | Interim Dividend Per Share | RMB 0.95 | 2.2% increase | | | Life & Health Insurance New Business Value | 39.8% increase | - | | | Property & Casualty Insurance Gross Written Premiums | RMB 171.857 billion | 7.1% increase | | | P&C Overall Combined Ratio | 95.2% | 2.6 percentage points optimization | | | Bank Net Profit | RMB 24.870 billion | - | | | Bank NPL Ratio | 1.05% | - | | | Individual Customers | Nearly 247 million | 1.8% increase | vs. beginning of year | | Retention Rate of Customers Holding 4+ Group Contracts | 97.8% | - | | | Contribution of Healthcare & Elderly Care Ecosystem Service Rights to Life Insurance NBV | Nearly 70% | - | | | Cumulative Investment in Real Economy | Nearly RMB 10.80 trillion | - | | | Brand Finance Global Insurance Brand Value Top 100 Ranking | 1st place | Ranked first for nine consecutive years | | [Chairman's Statement](index=12&type=section&id=Chairman's%20Statement) The Chairman emphasized the company's inheritance of the Special Economic Zone spirit, reshaping financial models through technological innovation, deepening the "integrated finance + healthcare and elderly care" strategy, leveraging AI technology to achieve service differentiation, enhance customer experience, and actively fulfill social responsibilities; in the first half, the Group maintained stable operations, with significant growth in life insurance new business value, strong performance in property and casualty insurance and banking, deepened implementation of the healthcare and elderly care strategy, and remarkable achievements in technology application - The company inherits the spirit of the Special Economic Zone, driving technological transformation with AI as the core, exploring innovation boundaries, and making financial services inclusive[59](index=59&type=chunk)[60](index=60&type=chunk) - In the first half of 2025, the Group's operating profit attributable to parent company shareholders was **RMB 77.732 billion**, a **3.7%** year-on-year increase; net profit was **RMB 68.047 billion**[61](index=61&type=chunk) - Life and health insurance new business value surged by **39.8%** year-on-year, with policy persistency remaining high[61](index=61&type=chunk)[66](index=66&type=chunk) - Property and casualty insurance gross written premiums were **RMB 171.857 billion**, a **7.1%** year-on-year increase; combined ratio was **95.2%**, optimizing by **2.6 percentage points** year-on-year[67](index=67&type=chunk) - Bank net profit was **RMB 24.870 billion**, non-performing loan ratio was **1.05%**, provision coverage ratio was **238.48%**, with overall stable asset quality[67](index=67&type=chunk) - Healthcare and elderly care strategy deepened, with nearly **63%** of individual customers enjoying healthcare and elderly care ecosystem service rights, and Ping An Family Doctor members exceeding **35 million**[68](index=68&type=chunk)[69](index=69&type=chunk) - AI technology is widely applied, with large model calls reaching **818 million**, assisting sales of **RMB 66.157 billion**, and property insurance anti-fraud intelligent claims interception reducing losses by **RMB 6.44 billion**[71](index=71&type=chunk) - Actively fulfills social responsibilities, with cumulative investment of nearly **RMB 10.80 trillion** supporting real economy development, and MSCI ESG rating upgraded to **AA**[72](index=72&type=chunk) [Financial Summary](index=16&type=section&id=Financial%20Summary) This section provides key financial indicators for the Group and its business segments in the first half of 2025, including operating profit, net profit, assets and liabilities, solvency, new business value, combined ratio, and non-performing loan ratio, comprehensively demonstrating the company's stable operating performance and growth trends across all businesses Group and Segment Key Financial Indicators for H1 2025 | Indicator | H1 2025 (RMB million/%) | H1 2024 (RMB million/%) | Change (%) / Percentage Points | | :--- | :--- | :--- | :--- | | **Group Performance** | | | | | Operating Profit Attributable to Parent Company Shareholders | 77,732 | 74,986 | 3.7% | | Net Profit Attributable to Parent Company Shareholders | 68,047 | 74,619 | -8.8% |

免責聲明 | 灣仔 | | | | | --- | --- | --- | --- | | 香港 | | | | | 代扣所得稅信息 | | | | | 詳情請參見本公司截至2025年6月30日止6個月的未經審計業績公告之"上市證券持有人 | | | | | 所享有的稅項減免資料"章節所載内容。 | | | | | 股東類型 | | 稅率 | 有關代預扣所得稅之更多補充 | | | | | （如適用） | | 非居民企業 | | | | | （非中國內地登記地址） | | 10% | 本公司向於股權登記日名列本公司 | | | | | 股東名冊的H股非居民企業股東 | | | | | （包括香港中央結算（代理人）有 | | | | | 限公司）派發股息時，有義務代扣 | | | | | 代繳10%的企業所得稅。 | | 非個人居民 | | | | | （非中國內地登記地址） | | 10% | 境外居民個人股東從境內非外商投 | | | | | 資企業在中國香港發行的股票取得 | | | | | 的股息紅利所得，本公司有義務代 | | | | | 扣代繳個人所得稅，稅率一般為 | | | | | 10%，但是 ...

+ CCS3415 PIAH + NAME(S) AND ADDRESS OF REGISTERED SHAREHOLDER(S) 登記股東之姓名及地址 DIVIDEND CURRENCY ELECTION FORM FOR 2025 INTERIM DIVIDEND OF RMB 0.95 PER SHARE ("2025 INTERIM DIVIDEND") 二零二五年中期股息每股人民幣 0.95 元（「二零二五年中期股息」） 股息貨幣選擇表格 Compliance by the Company with the authorization as set out in this Dividend Currency Election Form will discharge it from all liabilities in respect of dividends so paid. For the avoidance of doubt, the Company will not accept any special instructions written on this form. 本公司按照本股息貨幣 ...

Core Viewpoint - The insurance industry is experiencing a significant recovery in premium growth, primarily driven by the rapid development of the bancassurance channel, which has outpaced other distribution channels like individual agents and brokers [3][4][5]. Group 1: Bancassurance Channel Performance - In the first half of 2025, the bancassurance channel's premium income reached approximately 1 trillion, with a year-on-year growth of about 9%, significantly surpassing the overall industry growth and other channels [7][8]. - The new premium growth rate for the bancassurance channel among leading insurers exceeded 70%, while other channels experienced negative growth [28][31]. - The bancassurance channel has become the largest contributor to premium growth for major insurers, with companies like China Life and New China Insurance reporting new premium growth rates exceeding 100% [18][14]. Group 2: Competitive Landscape - The removal of the "one-to-three" restriction has allowed leading insurers to accelerate strategic partnerships with banks, enhancing their market presence [15][27]. - The competitive environment for smaller insurers has become increasingly challenging, as they must compete not only on product pricing but also on brand influence and reputation against larger firms [30][31]. - The disparity in new premium growth rates is stark, with leading insurers achieving a 76% growth in the bancassurance channel compared to a 15% decline for smaller firms [28][31]. Group 3: Product Strategy and Market Trends - The shift towards participating insurance products is evident, with major insurers like China Life and Taikang reporting that over 50% of their premium income from individual agent channels comes from floating income products [35]. - The focus on high-quality growth is reflected in the increasing new business value rates for leading insurers in the bancassurance channel, indicating a strategic pivot towards more profitable product offerings [33][35]. - The overall trend in the insurance industry is moving towards a higher quality of development, with an emphasis on transforming product offerings to include more dividend-based insurance products [36].

Core Viewpoint - The article emphasizes the importance of financial services in enhancing people's lives and ensuring financial security, particularly in the context of China's push towards common prosperity. It highlights China Ping An's commitment to "finance for the people" through comprehensive protection systems and innovative service practices [1][13]. Group 1: Financial Services and Consumer Protection - China Ping An has established a comprehensive consumer protection system that integrates consumer rights into product design, ensuring clarity and fairness in financial products [11][12]. - The company actively engages in financial education and outreach, conducting over 30,000 activities in 2024, reaching more than 1.5 billion consumers [11][12]. - Ping An's customer service has been enhanced with a dual-mode approach, combining AI and human support, particularly focusing on elderly clients to bridge the digital divide [11][12]. Group 2: Emergency Response and Social Responsibility - In response to natural disasters, China Ping An has implemented an emergency response mechanism, providing timely assistance and support to affected communities [2][3]. - The company has demonstrated its commitment to social responsibility by mobilizing resources for disaster relief, including rapid claims processing and on-site support during emergencies [2][3]. Group 3: Health Management and Global Services - China Ping An has launched the "Ping An 24" global rescue service, providing comprehensive cross-border support for clients facing emergencies abroad [5][6]. - The company is also focused on health management, aligning with national health initiatives to offer integrated medical and insurance services, enhancing preventive care and early diagnosis [6][7]. Group 4: Inclusive Finance and Community Support - Ping An's strategy includes promoting inclusive finance, targeting small and micro enterprises, the elderly, and rural communities to bridge financial service gaps [8][9]. - The company has initiated various financial products and services tailored to meet the needs of different demographics, including health insurance for new residents and long-term care insurance for the elderly [9][10]. Group 5: Commitment to Innovation and Future Goals - China Ping An is committed to redefining financial services through technology and innovation, aiming to make financial services more accessible and user-friendly [13][14]. - The company plans to continue enhancing its service model to ensure that financial services are simple, transparent, and efficient, ultimately supporting individuals in achieving a better quality of life [13][14].

北京商报讯（记者 李秀梅）9月18日，中国平安人寿保险股份有限公司（以下简称"平安人寿"）公告， 平安资管受托平安人寿资金，投资于中国太保H股股票，于9月11日达到中国太保H股股本的10%，根据 香港市场规则，触发平安人寿举牌。 上月，平安人寿已经完成了一次对中国太保H股的举牌。 ...

Core Points - The 2025 Financial Education Promotion Week has been officially launched, with a focus on innovative and interactive methods of financial education rather than traditional approaches like distributing flyers and hanging banners [1] Group 1: Innovative Promotion Methods - The company has created a "Financial Knowledge Market" in Zherong, utilizing interactive games and quizzes to enhance financial literacy in a relaxed environment [3] - In Xiapu, the promotional team set up mobile promotion points at popular beach areas to disseminate financial knowledge and anti-fraud tips [5] - The team engaged residents in Pingnan by establishing an interactive experience zone in a public square, focusing on anti-money laundering and illegal fundraising prevention [7] - In Shouning, the team conducted specialized financial lectures at a local square to improve the public's ability to identify and prevent financial risks [9] Group 2: Targeted Services for Diverse Groups - The promotional activities include financial literacy classes for youth, teaching basic financial management and fraud prevention in engaging formats [11] - For the elderly, the company has developed catchy anti-fraud jingles and community financial lectures delivered in local dialects to enhance their understanding of financial knowledge [11] - The company provides practical guidance on insurance, family planning, and risk management for new residents, aiding their integration into urban life and promoting stable development [11] - The overarching goal is to embed the philosophy of "protecting financial rights and supporting a better life" into every activity, continuously promoting financial knowledge and contributing to a safer and more stable living environment [11]

Group 1 - The core activity involved a financial education event organized by Hengshui Bank, Ping An Life, and China Pacific Insurance, focusing on the theme "Protecting Financial Rights, Supporting a Better Life" [1] - Hengshui Bank released a new version of the "Financial Consumer Risk Warning Handbook," which includes 14 types of financial consumption risks and prevention suggestions [1] - The event featured the screening of over ten short videos on financial risk warnings, including a seven-episode anti-fraud series based on recent cases to educate community residents [1] Group 2 - The three financial institutions donated financial knowledge books and entertainment supplies to the community committee and property management company [3] - Community residents participated in friendly chess and poker matches, while financial knowledge pamphlets were distributed to those exercising in the community square, covering topics like deposit insurance and anti-fraud measures [3] - The Hengshui Financial Regulatory Bureau praised the efforts of the three institutions in enhancing community financial literacy and encouraged further interaction with residents [5]

Core Points - The main theme of the activities is "Protecting Financial Rights and Supporting a Better Life" aimed at enhancing financial literacy and risk awareness among citizens [1][3] - The activities include a financial education publicity week initiated by Ping An Property & Casualty Insurance in Putian, utilizing various media to promote consumer rights protection [1][3] - The event attracted participation from over 30 financial institutions, indicating strong collaboration within the financial sector [3] Group 1 - The financial education week started on September 11, with promotional activities conducted through LED screens, posters, and television to engage the public [1] - Volunteers from Ping An Property & Casualty Insurance interacted with citizens using simple language, quizzes, and case studies to improve risk identification and self-protection skills [5] - Participants could collect stamps through financial knowledge quizzes and interactive games to exchange for local cultural gifts and beverages, creating a lively atmosphere [5] Group 2 - The volunteers also conducted outreach activities in communities, schools, rural areas, and enterprises to provide diverse financial knowledge dissemination [7] - In enterprises, specialized training was provided to employees on financial risk identification and prevention techniques [7] - In schools, volunteers aimed to educate students about telecom fraud cases in an engaging manner to enhance their risk prevention capabilities [8] Group 3 - In rural areas, volunteers distributed promotional materials and provided on-site explanations to help villagers understand how to prevent financial fraud [8] - Ping An Property & Casualty Insurance plans to continue fulfilling its social responsibility by raising public awareness of financial rights protection [10] - The company aims to contribute to creating a trustworthy and rational financial consumption environment [10]

为深入贯彻落实国家金融监督管理总局"保障金融权益 助力美好生活"年度主题要求，9月其，平安产险 漳州中心支公司各分支机构同步开展"金融教育宣传周"集中宣传活动，通过创新宣传形式，整合线上线 下资源，推动金融风险提示与惠民知识直达基层群众。 金融教育宣传"五进入"筑牢安全防护坡 9月12日，平安产险志愿者走进诏安县梅岭镇渔排开展金融教育宣传活动。渔排上，工作人员与渔民们 一对一交流，详细了解渔民们的金融需求和遇到的困难，为他们量身定制金融知识讲解方案，为海岛渔 民们送去金融消保的温暖与关怀。 9月15日，平安产险志愿者走进诏安新启点教育机构，对青少年儿童开展金融安全教育，特别提醒免费 链接不要点、免费皮肤不要领，天上不会掉馅饼。同日，平安产险志愿者走进漳浦小公园，通过飞行棋 小游戏的形式，向少年儿童传递反诈宣传，共同护航"校园青"，强化金融源头教育。 9月15日，平安产险漳州中心支公司及下辖漳浦、华安、南靖、云霄、龙海等地，积极参与当地监管部 门集中开展的宣传教育活动，平安产险的志愿者们通过展位宣传、案例展示和互动交流等多种形式，向 市民普及金融知识，增强金融风险防范意识。 集中宣传活动 精准触达各类人群 9月 ...