Financial Performance - Total premium for 2023 reached RMB 29,684.639 million, a 24.7% increase from RMB 23,651 million in 2022[16] - Net profit attributable to shareholders for 2023 was RMB 4,077.855 million, compared to a loss of RMB 1,112.414 million in 2022[16] - Basic earnings per share for 2023 was RMB 2.77, recovering from a loss of RMB 0.76 in 2022[16] - The combined underwriting cost ratio improved to 95.2% in 2023 from 94.2% in 2022, indicating better cost management[16] - The comprehensive underwriting cost ratio was 95.2%, achieving underwriting profitability for three consecutive years, demonstrating a commitment to sustainable growth[29] - The combined loss ratio for 2023 was 56.8%, while the combined expense ratio was 38.4%, resulting in a combined ratio of 95.2%[53] - The insurance service revenue for the insurance segment was RMB 27.525 billion, with an underwriting profit of RMB 1.190 billion[56] - Investment income net amount reached RMB 4.193 billion, contributing to the overall profitability of the company[56] - The company's total revenue for the year ended December 31, 2023, reached approximately RMB 33.54 billion, representing a year-on-year growth of 44.2%[118] - Net profit attributable to shareholders for 2023 was RMB 4.08 billion, a significant improvement of RMB 51.90 billion compared to a net loss of RMB 1.11 billion in 2022[118] Assets and Liabilities - Total assets as of December 31, 2023, were RMB 42,863.606 million, down from RMB 47,648.878 million in 2022[16] - Total liabilities decreased to RMB 22,790.183 million in 2023 from RMB 30,033.758 million in 2022[16] - The total equity attributable to shareholders increased to RMB 20,073.423 million in 2023, up 27.3% from RMB 15,766.090 million in 2022[16] - The asset-liability ratio improved to 53.2% in 2023 from 63.0% in 2022, reflecting better financial stability[120] - The total investment assets of the domestic insurance fund reached approximately RMB 38.204 billion as of December 31, 2023, an increase of 4.62% compared to the end of 2022[112] Premiums and Ecosystems - The health ecosystem generated total premiums of RMB 9.806 billion, providing health coverage to over 125 million insured users[30] - The digital lifestyle ecosystem saw total premiums exceed RMB 12.563 billion, with a year-on-year growth of 41.6%[33] - The consumer finance ecosystem achieved total premiums of RMB 5.551 billion, reflecting a year-on-year increase of 22.5%[34] - The auto insurance ecosystem reported total premiums of RMB 1.58 billion, with a year-on-year growth of 24.7%[35] - The total premium for the health ecosystem reached RMB 9,806,472 thousand in 2023, a year-on-year increase of 9.2% from RMB 8,979,765 thousand in 2022[60] - The digital life ecosystem saw total premium growth of 42.6%, reaching RMB 12,563,273 thousand in 2023, compared to RMB 8,873,755 thousand in 2022[60] - The consumer finance ecosystem's total premium increased by 22.5% to RMB 5,551,048 thousand in 2023, up from RMB 4,530,347 thousand in 2022[60] - The total premium for the travel insurance segment reached RMB 3.242 billion in 2023, representing an 89.0% year-on-year increase, serving nearly 70 million users[69] Technology and Innovation - The R&D investment amounted to RMB 1.192 billion, accounting for 4.0% of total premiums, focusing on core technologies such as AI and big data[36] - The company launched the first AIGC (Generative AI Technology) application white paper in the domestic insurance industry in May 2023[44] - The technology output business successfully entered the European market in July 2023[44] - The company has accumulated 588 patent applications, including 167 overseas applications, and has received 199 authorized patents, with a year-on-year growth of 19.9% in authorized patents[81] - The company integrated AIGC into customer service, reducing average response time by over 10 seconds per interaction and significantly lowering video production costs by generating high-quality promotional videos quickly[84] User Growth and Engagement - The number of paying users increased by 47.6% to 11.36 million, with an average of 1.6 policies per paying user[35] - The self-operated channel's total premiums grew by 31.0% to RMB 7.614 billion, representing 25.8% of total domestic property insurance premiums[35] - The company issued a total of 12.234 billion policies in 2023, serving over 500 million users, with an automation rate for underwriting reaching 99% and online claims processing rate for health insurance rising to 96%[81] Corporate Governance and Management - The company emphasizes strict corporate governance and transparency in its operations, adhering to relevant laws and regulations[171] - The management team includes experienced professionals with backgrounds in insurance regulation, legal compliance, and financial management[165][166][168] - The company has established four committees: Audit and Consumer Protection Committee, Nomination and Remuneration Committee, Strategic and Investment Decision Committee, and Risk Management and Related Party Transaction Control Committee to oversee specific aspects of the company's affairs[185] - The board of directors consists of 2 executive directors, 5 non-executive directors, and 3 independent non-executive directors as of December 31, 2023[174] - The company has adopted the corporate governance code and has complied with all applicable provisions throughout the reporting period[174] Future Outlook and Strategy - Future outlook indicates a projected revenue growth of 15% for the next fiscal year, driven by new product launches and market expansion strategies[155] - The company is investing in new technology development, with a budget allocation of $50 million for R&D in the upcoming year[155] - Market expansion plans include entering three new international markets by the end of 2024, aiming for a 10% market share in each[155] - The company is considering strategic acquisitions to enhance its service offerings, with a target of completing at least two acquisitions within the next 18 months[155] - The company plans to continue investing in digital business and refined management to enhance business quality and profitability in the future[118]

| 目錄 | | --- | | 管理層討論與分析 | 2 | | --- | --- | | 權益披露 | 28 | | 其他資料 | 32 | | 中期財務資料的審閱報告 | 41 | | 中期簡明合併損益表 | 42 | | 中期簡明合併綜合收益表 | 43 | | 中期簡明合併資產負債表 | 44 | | 中期簡明合併權益變動表 | 46 | | 中期簡明合併現金流量表 | 47 | | 中期簡明合併財務資料附註 | 48 | | 釋義 | 106 | | 專用詞彙 | 109 | | 公司資料 | 110 | 02 眾安在綫財產保險股份有限公司 / 2023年中期報告 管理層討論與分析 本集團已自2023年1月1日起採納香港財務報告準則第 17號「保險合同」以取代香港財務報告準則第 4號「保險合 同」，故比較期間財務數據已追溯重述。本中期報告中，除 總保費相關披露外，財務數據均按照香港財務報告準則第 17號「保險合同」口徑披露。 開篇 我們的使命 科技驅動金融，做有溫度的保險。 概覽 眾安是中國首家互聯網保險科技公司，旨在以前沿的科技 手段和創新的業務模式重新定義保險行業。我們的戰略是 以「保險+科 ...

[0 -> 7] 女士们先生们大家好,欢迎参加今天重案在线2023年中期业绩发布会。 [7 -> 24] 我需要提醒各位,在会议进行期间,在座各位的电话将被设置于静音状态,会议结束前将会有一个问答环节,如果您想提问,请按新一一键,在此提醒大家,今天的会议将会被录音。 [25 -> 54] 现在请公司资本市场及投资者关系负责人张琳女士发言,有请各位投资者,分析师及媒体朋友下午好,欢迎参加中安在线2023年发布会,我是中安在线资本市场及投资者关系负责人张琳,首先由我介绍今天出席会议的中安管理层,中安在线总经理江青先生, [54 -> 68] 中安在线首席财务官及首席投资官李高峰先生,中安在线常务副总经理兼董事会秘书王敏先生,以及中安国际总裁徐伟先生,现在有请江青先生。 [69 -> 94] 好,各位投资者,分析师朋友,大家下午好,我是中安在线总经理江青,首先感谢大家参加中安2023年中期业绩发布会,也谢谢大家一直以来对中安的关注和支持,那2023年是中安成立的周年, [94 -> 125] 在这十年中,我们始终肩负科技驱动金融作有温度的保险的使命,累计出具超过了574亿账保单,服务了超过5亿用户,我们始终坚持保险 ...

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。 眾 安 在 綫 財 產 保 險 股 份 有 限 公 司 ZHONGAN ONLINE P & C INSURANCE CO., LTD.* （於中華人民共和國註冊成立的股份有限公司，並以「ZA Online Fintech P & C」在香港經營業務） （股份代號：6060） 截 至 2023 年 6 月 30 日 止 六 個 月 的 中 期 業 績 公 告 眾安在綫財產保險股份有限公司（「本公司」）董事會（「董事會」）謹此宣佈本公司及其子公司（「本集 團」）截至2023年6月30日止六個月的未經審計中期業績連同截至2022年6月30日止六個月的比較 數字。本公告載有本公司2023年中期報告全文，乃符合香港聯合交易所有限公司證券上市規則中 有關中期業績初步公告附載資料的相關要求。 承董事會命 眾安在綫財產保險股份有限公司 董事長 歐亞平 中國上海，2023年8月28日 ...

Financial Performance - Total premium for 2022 reached RMB 24,005.33 million, an increase of 16.1% compared to RMB 20,480.12 million in 2021[4] - Net profit attributable to shareholders was a loss of RMB 1,356.10 million, compared to a profit of RMB 1,164.59 million in 2021[4] - The comprehensive cost ratio improved to 98.5% in 2022 from 99.6% in 2021, with a claims ratio of 55.2% and an expense ratio of 43.3%[12] - The total assets of the company as of December 31, 2022, were RMB 54,557.39 million, up from RMB 51,772.33 million in 2021[4] - The solvency adequacy ratio was 299% as of December 31, 2022, reflecting the impact of new regulatory changes[4] - The company achieved a 49.2% increase in per capita premium from self-operated channels, reaching RMB 755 in 2022[5] - In 2022, the total premium achieved by the company was RMB 23.651 billion, representing a year-on-year growth of 16.1%[24] - The underwriting profit reached RMB 329 million, a year-on-year increase of 337.7%[24] - The company recorded a net loss of approximately RMB 1.63 billion for the year ended December 31, 2022, compared to a net profit of approximately RMB 757 million for the year ended December 31, 2021[83] User Engagement and Market Reach - The company issued 9.132 billion insurance policies in 2022, serving over 500 million insured users[12] - As of December 31, 2022, the company has served over 109 million insured users, with approximately 38 million new users added in the year[13] - The average monthly active users of the company's app reached 4.23 million, with a 49.2% year-on-year increase in per capita premium from self-operated channels[17] - The health ecosystem served over 109 million insured users by the end of 2022, with a focus on comprehensive health services[31] - The company provided corporate group insurance services to over 31,000 enterprises, covering more than 1.31 million employees, with total premiums of approximately RMB 475 million, a year-on-year growth of 68.3%[35] Technology and Innovation - Technology output revenue increased by 13.8% to RMB 592 million in 2022[5] - The company aims to leverage technology to enhance user experience and optimize underwriting efficiency in the insurance industry[12] - The company achieved an automation rate of 99% in underwriting processes and a 96% online claims processing rate[18] - The company aims to leverage its technology capabilities to expand into banking and securities sectors, enhancing its digital marketing and operational efficiency[18] - The company signed 112 new insurance industry clients for its technology output business in 2022, a year-on-year increase of 14.3%[46] Product Development and Segmentation - Total premium income from the health insurance segment grew by approximately 29.3% year-on-year, while critical illness insurance premiums surged by about 145.9%[13] - The e-commerce business segment generated total premiums of 5.261 billion RMB, reflecting a year-on-year growth of approximately 25.7%[14] - The annualized premium for pet insurance reached about 200 million RMB, doubling year-on-year, with a market share among the top in the domestic market[14] - Total premiums in the auto insurance segment increased by approximately 33.9% year-on-year, with a claims ratio improvement of 12.2 percentage points to 55.8%[16] - The total premiums for the digital life segment increased to RMB 8.87 billion, with a net premium growth from RMB 7.28 billion in 2021[29] Financial Investments and Returns - The total investment income for the company decreased from RMB 2.08 billion in 2021 to a total investment loss of RMB 377 million in 2022, influenced by market volatility and accounting standard changes[59] - The company's total investment return rate and net investment return rate were approximately -1.0% and 3.2% respectively in 2022, compared to 6.7% and 2.5% in 2021[60] - The company experienced a significant decline in investment income due to a downturn in the capital market and changes in accounting standards[83] Governance and Management - The company has a strong governance structure with independent directors to ensure compliance and strategic oversight[91] - The company emphasizes strict corporate governance and effective internal control measures[103] - The board of directors consists of independent non-executive directors, accounting for at least one-third of the board, ensuring diverse business experience and expertise[106] - The company has established a mechanism for assessing board independence, ensuring strong independent elements for better shareholder protection[106] - The company has made several board changes, including the appointment of Jiang Xing and Li Gaofeng as Executive Directors on November 28, 2022[101] Strategic Partnerships and Collaborations - The company has established connections with nearly 10,000 offline pet hospitals and service providers across major cities in China[36] - The company partnered with Sumitomo Life Insurance in Japan to launch an innovative heatstroke insurance product through the PayPay mobile payment platform[52] - A strategic collaboration was established with Carro, Southeast Asia's largest used car trading platform, to optimize online insurance distribution and claims processes using the company's insurance financial solutions[53] - The company has established a partnership with WeBank to expand its insurance product offerings and reach a broader customer base, enhancing its service to internet clients[174] Future Outlook and Growth Projections - The company provided a positive outlook for 2023, projecting a revenue growth of 20% driven by new product launches and market expansion initiatives[97] - The company aims to launch three new insurance products in 2023, which are anticipated to contribute an additional 2 billion RMB in revenue[97] - The company plans to expand its market presence in Southeast Asia, targeting a 30% increase in market share within the next two years[97] - The company is committed to sustainability, with plans to allocate 1 billion RMB towards eco-friendly initiatives and corporate social responsibility programs[97]

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分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。 眾安在綫財產保險股份有限公司 ZHONGAN ONLINE P & C INSURANCE CO., LTD.* （於中華人民共和國註冊成立的股份有限公司，並以「ZA Online Fintech P & C」在香港經營業務） （股份代號：6060） 截 至 2022 年 12 月 31 日止年度 的全年業績公告 眾安在綫財產保險股份有限公司（「本公司」）董事會宣佈本公司及其子公司截至 2022年 12月31日止年度的經審計年度業績如下。本公告載有本公司2022年年度報告的若干章 節，乃符合香港聯合交易所有限公司（「香港聯交所」）證券上市規則中有關年度業績初步 公告附載資料的相關要求。 本業績公告的中英文版本可在本公司網站 www.zhongan.com及香港聯交所網站 www.hkexnews.hk查 閱。 本 公 司2022年年度報告的印刷版本將於 2023年4月 寄 發予本公司H股持有人，並可於香 ...