(4) 因四捨五入，直接計算未必相等。 七、擔保情況 報告期內對外擔保發生額合計 – 公司及其子公司對子公司的擔保情況 | --- | --- | |-----------------------------------------------------------------------------------------------|---------| | 報告期內對子公司擔保發生額 (2) 合計 | (5,337) | | 報告期末對子公司擔保餘額合計 | 8,899 | | 公司擔保總額情況（包括對子公司的擔保） | | | 擔保總額 | 8,899 | | 擔保總額佔公司淨資產的比例 (%) | 1.0 | | 其中：直接或間接為資產負債率超過 70% （於 2023 年 9 月 30 日）的被擔保對象 提供的擔保金額 | 8,133 | | 公司及其子公司擔保總額超過公司 淨資產 50% 部分的金額 | – | （四）合併現金流量表 截至2023年9月30日止9個月期間 | --- | --- | --- | |----------------------------------------- ...

Premium Income and Business Growth - In the first half of 2023, the premium income from Ping An Health Insurance through life insurance agents increased by 13.6% year-on-year[1]. - As of June 30, 2023, Ping An Property Insurance reported a premium income of RMB 19,648 million, accounting for 12.7% of total income, while Ping An Health Insurance accounted for RMB 5,763 million, representing 69.0%[1]. - The total insurance premium income for the group reached CNY 459.848 billion, representing a year-on-year growth of 7.2%[15]. - The new business value of life and health insurance for the first half of 2023 increased by 32.6% year-on-year, with a comparable increase of 45.0%[31]. - The new business value for the life and health insurance segment reached RMB 25,387 million, with a year-on-year growth of 45.0% on a comparable basis[127]. - The first-year premium income for the same period was RMB 113.90 billion, up 49.6% compared to the previous year[104]. - The new business value from the bancassurance channel was RMB 2.83 billion, showing a significant year-on-year growth of 174.7%[105]. - The new business premium from the agent channel was RMB 101,072 million, up from RMB 59,363 million in 2022, indicating a growth of 70.4%[169]. Customer Base and Retention - As of June 30, 2023, Ping An has over 229 million individual customers, with an average of 2.99 contracts per customer, reflecting a 0.7% increase since the beginning of the year[10]. - The group has a high customer retention rate, with 66.7% of customers having been with the company for over five years, totaling approximately 153 million[17]. - The number of personal customers increased to 22.926 million, a year-on-year growth of 1.2%[78]. - The persistency rate for existing customers improved by 5.7 percentage points year-on-year, demonstrating enhanced customer retention[157]. - Over 64% of Ping An's individual customers, totaling more than 229 million, utilized services from the medical health ecosystem, with an average of 3.43 contracts per customer and an average AUM of RMB 55,800[4]. Financial Performance - The operating profit attributable to shareholders for the first half of 2023 reached CNY 81.957 billion, with an annualized return on equity (ROE) of 18.2%[15]. - The operating profit for the first half of 2023 was RMB 58.59 billion, slightly down by 1.7% from the previous year[104]. - The net profit for the same period was RMB 46.34 billion, an increase of 4.5% year-on-year[104]. - The total net profit for the group was RMB 83,426 million, with the net profit attributable to the parent company's shareholders at RMB 69,841 million[121]. - The annualized return on equity (ROE) dropped by 3.0 percentage points year-on-year to 18.2%[78]. Insurance and Healthcare Ecosystem - The company has established a medical health ecosystem with nearly 4,000 in-house doctors and over 50,000 contracted external doctors, achieving 100% cooperation coverage with top hospitals in China[4]. - The "Ping An Health" online flagship platform has served over 16 million Ping An Life Insurance customers, with nearly 70% of new contract customers using health services[7]. - The health management services of Ping An Life Insurance served over 16 million customers in the first half of 2023, achieving a service satisfaction rate of 99%[40]. - The company has served over 200,000 customers through its "health insurance + service" products, combining insurance with high-end medical services[64]. - The company completed the acquisition of Peking University Medical Group, integrating six top-tier hospitals and specialty medical institutions into its healthcare ecosystem[92]. Investment and Asset Management - Ping An has invested over CNY 8.27 trillion to support the real economy, with green investment in insurance funds amounting to CNY 140.929 billion[12]. - The company's insurance fund investment portfolio reached approximately RMB 4.62 trillion, growing by 6.5% since the beginning of the year[184]. - The annualized comprehensive investment return rate for the insurance fund investment portfolio was 4.1%, an increase of 0.7 percentage points year-on-year[189]. - The total investment income for the same period was RMB 8,044 million, representing a significant increase of 33.2% from RMB 6,040 million in the previous year[198]. - The company continues to enhance its investment research, product innovation, and post-investment management capabilities to maximize the value of its investment assets[187]. Product Development and Innovation - The company is enhancing its insurance product system by gradually introducing "insurance + service" products to address changing customer needs and market competition[57]. - The company has introduced new insurance products to meet the growing demand for wealth management and retirement planning, including flexible pension products[133]. - The company launched 51 key products under the "Three Savings" value evaluation system in the first half of 2023, covering various financial and lifestyle scenarios[39]. - The average number of contracts held by high-net-worth customers reached 21.44, significantly higher than that of affluent customers, indicating a strong cross-selling strategy[47]. Technology and Digital Transformation - The digital marketing platform helped agents reach over 110 million customers in the first half of 2023, with AI service handling 81% of total customer service volume[69]. - The company aims to enhance customer value by providing a one-stop financial solution, with 39.6% of total customers holding multiple contracts[69]. - The company has expanded its overseas cooperation network to cover over 1,000 medical institutions across 16 countries[63]. - The company has launched 550 home care services and increased the number of cooperating pharmacies to 226,000, achieving a national coverage rate of over 36%[63].

[0 -> 2] 各位媒體朋友大家上午好 [2 -> 4] 感謝各位出席中國平安 [4 -> 7] 2023年中期業績發佈會 [7 -> 9] 我是集團董事會秘書盛宇森 [9 -> 11] 今天的發佈會將由 [11 -> 14] 我和香港會場的集團 [14 -> 16] 國際公關和ESG主管 [16 -> 18] 艾爾斯先生共同主持 [18 -> 20] 本次發佈會我們採用 [20 -> 22] 現場會議視頻直播的方式 [22 -> 24] 同步進行 [24 -> 27] 相信很多跟蹤平安很多年的 [27 -> 28] 老的媒體朋友 [28 -> 31] 當然大家都非常熟悉平安的 [31 -> 33] 一個兩地連線的 [33 -> 35] 那種發佈會的模式 [35 -> 38] 首先請允許我們先介紹一下 [38 -> 40] 香港上海兩地的管理層 [40 -> 42] 有請艾爾斯介紹 [42 -> 44] 香港方面的管理層 [62 -> 63] 謝謝 [63 -> 65] 今天出席香港會場的管理層有 [65 -> 67] 董事長馬明哲先生 [67 -> 70] 聯席首席執行官陳欣盈女士 [70 -> 73] ...

品牌價值持續深化。2023年公司名列 《財富》世界500強第33位，蟬聯全球保 險企業第1位，排名全球金融企業第5 位 ；名列《財富》中國500強第9位 ；名 列《福布斯》全球上市公司2000強第16 位 ；連續七年蟬聯Brand Finance全球 保險品牌價值100強榜單第1位。 董事長致辭 2022年以來，中國平安攜手安徽省阜南縣新村鎮，共同打造「蘆蒿產業示範基 地」，構建「上有衛星、下有物聯網、中有數字村」的數字農業體系，幫助農戶 實現蘆蒿種植提產、降本、增效，助力鄉村振興。 「綜合金融+醫療健康」戰略持續深化。發展綜合金融，是用 誠信和專業，努力讓天下沒有難做的金融 ；發展醫療健康養 老，是幫助客戶少為求醫無門、問藥無路、養老無助而煩惱 焦慮。今年以來，公司積極探索「保險+居家養老」、「保險+ 高端養老」、「保險+醫療健康」的服務模式，滿足居民高品質 生活的需要。通過綜合金融與醫療生態圈的協同配合，平安 壽險、平安銀行等公司受益於集團醫療生態圈提供的服務權 益，平安健康和新北大醫療集團也能夠賦能金融端的企業和 個人客戶。目前在平安超2.29億的個人客戶中，有超64%的客 戶同時使用了醫療健康生態圈提 ...

Customer Base and Growth - As of March 31, 2023, the number of individual customers reached approximately 229 million, with an average of 2.98 contracts per customer, reflecting a 0.3% increase since the beginning of the year[3] - The number of paid individual customers in the health sector exceeded 42 million, with health insurance premium income reaching RMB 40 billion in Q1 2023[18] - The number of cooperative pharmacies reached 226,000, an increase of nearly 2,000 since the beginning of the year, covering over 38% of pharmacies nationwide[20] - The number of individual customers reached 22.86 million, a 0.9% increase from the end of 2022, with an average of 2.98 contracts per customer[42] - Over 64% of the company's nearly 229 million individual customers utilized services from the healthcare ecosystem as of March 31, 2023[43] Financial Performance - The operating profit attributable to the parent company shareholders for Q1 2023 was RMB 41.385 billion, with a net profit of RMB 38.352 billion, marking a year-on-year increase of 48.9%[10] - In Q1 2023, the company achieved a net profit attributable to shareholders of RMB 38.35 billion, a year-on-year increase of 48.9%[33] - The operating profit for Q1 2023 was RMB 45.44 billion, a 45.9% increase from RMB 31.15 billion in Q1 2022[25] - The net profit for the three months ending March 31, 2023, was RMB 46,165 million, compared to RMB 32,395 million in the same period of 2022, indicating significant growth[118] - Total revenue for the three months ending March 31, 2023, was RMB 281,600 million, compared to RMB 220,248 million in 2022, indicating significant growth[146] Insurance and Investment - In Q1 2023, the insurance service revenue from property insurance was RMB 76.312 billion, representing a year-on-year growth of 7.1%[4] - The original insurance premium income for the three months ended March 31, 2023, was RMB 76,958 million, representing a 5.4% increase from RMB 73,018 million in 2022[109] - The original insurance premium income from auto insurance for the three months ended March 31, 2023, was RMB 50,025 million, up 6.2% from RMB 47,083 million in 2022[109] - The annualized net investment return rate for the insurance investment portfolio was 3.1% as of March 31, 2023, with a total investment portfolio size exceeding CNY 4.49 trillion, reflecting a 3.1% growth since the beginning of the year[51] - Investment income for the period was RMB 29,715 million, a recovery from a loss of RMB 26,148 million in the previous year[146] Cost and Profitability Metrics - The comprehensive cost ratio for property insurance in Q1 2023 was 98.7%, an increase of 2.0 percentage points compared to the same period last year[25] - The comprehensive cost ratio for Ping An Property & Casualty Insurance increased by 2.0 percentage points to 98.7%[33] - The comprehensive cost ratio based on original insurance contract standards was 99.8% in Q1 2023, up 3.0 percentage points year-on-year[50] - The annualized operating ROE reached 18.8% in Q1 2023[28] Technology and Innovation - As of March 31, 2023, the company had filed 47,229 technology patents, an increase of 1,152 from the beginning of the year, maintaining a leading position among international financial institutions[31] - AI-driven product sales accounted for 49% of total sales in Q1 2023, with AI service volume exceeding 530 million, representing 81% of total customer service interactions[94] Banking Performance - Ping An Bank reported a net profit of RMB 14.60 billion in Q1 2023, up 13.6% year-on-year, with a non-performing loan ratio of 1.05%[30] - The corporate customer base for Ping An Bank increased by 4.3% to 642,300 as of March 31, 2023[56] - The bank's capital adequacy ratios improved, with the core Tier 1 capital adequacy ratio rising by 0.27 percentage points to 8.91% as of March 31, 2023[90] Asset Management and Liabilities - The asset management scale exceeded CNY 6 trillion as of March 31, 2023, with net profit from asset management business at CNY 1.61 billion in Q1 2023[61] - The total liabilities increased to RMB 10,054,215 million as of March 31, 2023, from RMB 9,823,944 million at the end of 2022, reflecting a growth of approximately 2.4%[167] - Total equity attributable to shareholders increased to RMB 914,332 million as of March 31, 2023, compared to RMB 869,191 million at the end of 2022, an increase of approximately 5.2%[150] Compliance and Regulatory - The core solvency adequacy ratio for Ping An Life Insurance as of March 31, 2023, was 120.4%, exceeding the minimum regulatory requirement of 50%[110] - The core solvency adequacy ratio and comprehensive solvency adequacy ratio data were reported in accordance with the regulatory requirements[137] - The company plans to implement changes in accounting policies related to insurance contracts starting from January 1, 2023, in compliance with the new international financial reporting standards[140]

104 執行新保險合同準則 126 董事、監事、高級管理人員和員工情況 168 獨立核數師報告 180 合併股東權益變動表 335 平安大事記 有關前瞻性陳述之提示聲明 除歷史事實陳述外，本報告中包括了某些「前瞻性陳述」。所有本公司預計或期待未來可能發生的（包括但不限於）預測、目標、估計及經營計劃都屬於前瞻性陳 述。某些字詞，例如「潛在」、「估計」、「預期」、「預計」、「目的」、「有意」、「計劃」、「相信」、「將」、「可能」、「應該」，以及這些字詞的其他組合及類似措辭，均 顯示相關文字為前瞻性陳述。 一年好景，橙黃橘綠 回望2022 百萬平安人 眾志「橙」城，迎難而上 高質量再出發，家國平安頌新篇 i 平安致力於成為國際領先的綜合金融、醫療健康服務提供商。平安積極響應「十四 五」發展規劃，從增強金融服務實體經濟水平、服務「數字中國」和「健康中國」等 國家戰略出發，深化「綜合金融+醫療健康」服務體系，提供專業的「金融顧問、 家庭醫生、養老管家」服務。平安深入推進全面數字化轉型，運用科技助力金融 業務提質增效，提升風控水平，持續兌現「專業，讓生活更簡單」的品牌承諾，實 現「科技賦能金融、生態賦能金融、科技促進發展 ...

經營情況討論及分析 支付方 ： 平安有效協同保險與醫療健康服務，團體客戶、個人客戶服 務均取得顯著進展。2022年，集團醫療健康相關付費企業客 戶超5.5萬家，平安健康付費用戶數超4,000萬 ；平安實現健康 險保費收入近1,400億元 ；享有醫療健康生態圈服務權益的客 戶對平安壽險新業務價值貢獻佔比持續提升。 供應方 ： • 自營旗艦方面 ：平安通過佈局綜合醫院、體檢中心、醫 學檢驗中心、影像中心等業務板塊提升服務水平。平安 擁有或管理的床位可滿足客戶需求，有利於優化稀缺醫 療資源分配，帶來差異化競爭優勢。平安完成北大醫療 集團收購，將其下屬的6家三甲╱級醫院、特色專科醫 療機構以及其他優質資源融入現有的醫療健康生態，深 化醫療產業佈局，其中北大國際醫院屬於旗艦醫院。除 了醫院外，截至2022年12月31日，平安已佈局14家健康 管理中心。 自有「醫療健康生態」成效 醫療健康生態圈通過獲客及黏客賦能金融主業。截至2022年 12月31日，在平安超6.93億互聯網用戶中，有超65%的用戶同 時使用醫療健康生態圈提供的服務 ；在平安近2.27億的個人客 戶(1)中，有近64%的客戶同時使用了醫療健康生態圈提供的 ...

中国平安 PING AN 专业·价值 專業 讓生活更簡單 f f 《 F 《 f " 年中報 目錄 公司管治 關於我們 經營情況討論及分析 財務報表 其他信息 96 股本變動及股東情況 98 董事、監事和高級管理人員 101 重要事項 118 中期簡明合併財務報表審閱報告 123 中期合併股東權益變動表 125 中期合併現金流量表 126 中期簡明財務報表附註 177 釋義 180 公司信息 有關前瞻性陳述之提示聲明 除歷史事實陳述外，本報告中包括了某些「前瞻性陳述」。所有本公司預計或期待未來可能發生的（包括但不限於）預測、目標、估計及經營計劃都屬於前瞻性陳述。某些字 詞，例如「潛在」、「估計」、「預期」、「預計」、「目的」、「有意」、「計劃」、「相信」、「將」、「可能」、「應該」，以及這些字詞的其他組合及類似措辭，均顯示相關文字為前瞻 性陳述。 前瞻性陳述涉及一些通常或特別的已知和未知的風險與不明朗因素。讀者務請注意這些因素，其大部分不受本公司控制，影響着公司的表現、運作及實際業績。受上述因 素的影響，本公司未來的實際結果可能會與這些前瞻性陳述出現重大差異。這些因素包括但不限於 ：匯率變動、市場份額、同業競 ...