中国平安保险（集团）股份有限公司 董事会关于独立董事独立性自查情况的 专项评估意见 中国平安保险（集团）股份有限公司董事会 2026 年 3 月 26 日 根据中国证券监督管理委员会《上市公司独立董事管理 办法》，中国平安保险（集团）股份有限公司（以下简称"公 司"）独立董事吴港平、金李、王广谦、洪小源、宋献中及 陈晓峰对照《保险机构独立董事管理办法》《银行保险机构 公司治理准则》《上市公司独立董事管理办法》《上海证券交 易所上市公司自律监管指引第 1 号——规范运作》及《香港 联合交易所有限公司证券上市规则》等公司适用监管规定中 关于独立董事所应具备的独立性要求进行了逐项自查，并向 公司董事会提交了 2025 年度独立性确认函。经自查，公司 全体独立董事均确认其已满足公司适用的各项监管规定中 对于出任公司独立董事所应具备的独立性要求。 经核查公司全体独立董事的任职经历及其提交的相关 自查文件，公司董事会未发现可能影响独立董事进行独立客 观判断的情形，并认为公司全体独立董事继续保持独立性。 ...

中国平安保险（集团）股份有限公司 内部审计管理办法（2026 版） 第一章 总 则 第一条 为规范中国平安保险（集团）股份有限公司（以下 简称"集团"或"集团公司"）内部审计工作，健全内部审计体 系，提升内部审计工作质量，充分发挥内部审计作用，根据《保 险集团公司监督管理办法》《保险机构内部审计工作规范》《上 海证券交易所上市公司自律监管指引第 1 号—规范运作》等相关 法律法规及监管政策规定，以及《中国平安保险（集团）股份有 限公司稽核监察制度》，制定本办法。 第二条 本办法适用于集团公司，同时适用于集团统筹指导 成员公司开展内部审计工作，各成员公司应在符合相关公司治理 原则的前提下，落实集团对于内部审计工作管理的要求，并结合 相关监管规定和实际情况，参照本办法建立和完善本公司的内部 审计制度。 第三条 本办法所称内部审计，是一种独立、客观的确认和 咨询活动，它通过运用系统化和规范化的方法，审查、评价并改 善集团及成员公司的业务经营、内部控制和风险管理适当性和有 效性，以促进集团及成员公司完善治理、增加价值和实现目标。 -1- 第四条 内部审计工作的目标是推动集团及成员公司遵循国 家有关法律法规、监管规定以 ...

中国平安保险（集团）股份有限公司 独立董事 2025 年度述职报告（王广谦） 根据《中华人民共和国公司法》、国家金融监督管理总局《保 险机构独立董事管理办法》、中国证券监督管理委员会《上市公司 独立董事管理办法》以及中国平安保险（集团）股份有限公司（以 下简称"公司"）《独立董事工作指引》等有关法律、法规和制度的 规定，本人作为公司独立董事，现将本人 2025 年度履行独立董事 职责情况报告如下： 一、基本情况 本人个人工作履历、专业背景以及兼职情况如下： | 王广谦 | | 先生 | | | 其他主要任职 | | --- | --- | --- | --- | --- | --- | | | | | | | 现任中央财经大学金融学院教授，兼任中国金融学会副会长、中 | | 独立董事 | | | | | 国现代金融学会副会长。 | | 岁 70 | | | | | 前期工作经历 | | | | | | | 曾任中央财政金融学院（现中央财经大学）副院长，以及中央财 | | 自 2023 | 年 | 7 月 | 20 | 日起 | 经大学副校长、校长。 | | 出任董事 | | | | | | | | | | | ...

中国平安保险（集团）股份有限公司 独立董事 2025 年度述职报告（宋献中） 根据《中华人民共和国公司法》、国家金融监督管理总局《保 险机构独立董事管理办法》、中国证券监督管理委员会《上市公司 独立董事管理办法》以及中国平安保险（集团）股份有限公司（以 下简称"公司"）《独立董事工作指引》等有关法律、法规和制度的 规定，本人作为公司独立董事，现将本人 2025 年度履行独立董事 职责情况报告如下： 一、基本情况 本人个人工作履历、专业背景以及兼职情况如下： | 宋献中 | 先生 | | | | 其他主要任职 | | --- | --- | --- | --- | --- | --- | | | | | | | 现任暨南大学会计学系教授、中国会计学会常务理事。 | | 独立董事 | | | | | | | | | | | | 前期工作经历 | | 岁 62 | | | | | 曾任暨南大学校长、党委副书记，此前曾先后任教于湖南财经学 | | | | | | | 院工业经济系和暨南大学会计学系，并曾任暨南大学管理学院副 | | 自 2025 | 年 | 月 10 | 15 | 日 | 院长，暨南大学发展规划处处长 ...

Core Insights - The company reported an operating profit attributable to shareholders of 134.415 billion yuan for 2025, representing a year-on-year growth of 10.3% [1] - The net profit attributable to shareholders after deducting non-recurring items reached 143.773 billion yuan, with a year-on-year increase of 22.5% [1] - The net assets attributable to shareholders exceeded 1 trillion yuan for the first time, reaching 1,000.419 billion yuan [1] Business Performance - The life insurance and health insurance sectors continued to show growth, with new business value increasing by 29.3% year-on-year [1] - The investment performance of insurance funds was strong, with a comprehensive investment return rate of 6.3%, up by 0.5 percentage points year-on-year [1] Strategic Initiatives - The company's medical and elderly care strategy is being implemented effectively, enhancing its core business through differentiated advantages [1] - The coverage rate of partnerships with top 100 hospitals and tier-three hospitals reached 100% [1] - AI combined with real doctors now covers 100% of the company's individual clients [1] - The one-click code payment service is available in 77,000 pharmacies nationwide [1] - Over 240,000 clients have qualified for home care services [1] - The high-quality health and wellness community project, "Ping An Zhen Yi Nian," has been launched in five cities, with operations starting in Shanghai and trial operations in Shenzhen [1]

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。 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。 重要内容提示： | 股份类别 | 暂定股权 | 暂定最后 | 暂定除权 | 暂定现金红利 | | --- | --- | --- | --- | --- | | | 登记日 | 交易日 | （息）日 | 发放日 | | A 股 | 2026/6/9 | － | 2026/6/10 | 2026/6/10 | 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 「中國平安保險（集團）股份有限公司2025年年度利潤分配方案公告」，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。 证券代码：601318 ...

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。 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。 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 「中國平安保險（集團）股份有限公司第十一屆監事會第十一次會議決議公 告」，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。 证券代码：601318 证券简称：中国平安 公告编号：临 2026-005 中国平安保险（集团）股份有限公司 第十一届监事会第十一次会议决议公告 中国平安保险（集团）股份有限公司（以下简称"本公司"或"公司"）监事会及全 体监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 ...

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。 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。 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 「中國平安保險（集團）股份有限公司第十三屆董事會第十三次會議決議公 告」，僅供參閱。 盛瑞生 承董事會命 公司秘書 中國深圳，2026年3月26日 证券代码：601318 证券简称：中国平安 公告编号：临 2026-004 中国平安保险（集团）股份有限公司 第十三届董事会第十三次会议决议公告 中国平安保险（集团）股份有限公司（以下简称"本公司"或"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 ...

Financial Performance - The company reported a mid-year dividend of RMB 0.95 per share, totaling RMB 17.20 billion (including tax) [12]. - The proposed year-end dividend is RMB 1.75 per share, with a total estimated payout of RMB 31.69 billion (including tax) based on the total share capital of 18.11 billion shares [12]. - Operating profit attributable to shareholders reached CNY 134.415 billion, a year-on-year increase of 10.3% [37]. - Total revenue increased by 2.1% to CNY 1,050.506 billion, while net profit attributable to shareholders rose by 22.5% to CNY 143.773 billion [37]. - Cash dividend per share for the year is proposed at CNY 2.70, reflecting a year-on-year growth of 5.9%, with a total cash dividend amounting to CNY 48.891 billion [39]. - The company achieved a net profit of RMB 42.633 billion, with a non-performing loan ratio of 1.05% and a provision coverage ratio of 220.88% [55]. - The operating profit attributable to shareholders reached RMB 134.415 billion, a year-on-year increase of 10.3%, while the net profit excluding non-recurring items grew by 22.5% to RMB 143.773 billion [60]. - The total assets attributable to shareholders surpassed RMB 1 trillion for the first time, reaching RMB 1,000.419 billion [60]. - The basic earnings per share increased by 7.3% to RMB 7.68 in 2025 from RMB 7.16 in 2024 [67]. - The net profit attributable to shareholders of the parent company rose by 6.5% to RMB 134,778 million in 2025 from RMB 126,607 million in 2024 [67]. - The total assets of the group increased by 7.3% to RMB 13.898 trillion as of December 31, 2025, compared to RMB 12.958 trillion in 2024 [179]. - The total liabilities rose by 7.1% to RMB 12.482 trillion, reflecting business growth [179]. Customer Base and Retention - The number of personal customers reached 251 million, an increase of 3.5% year-on-year, with a retention rate of 99% for customers holding three or more products [48]. - The number of individual customers reached 25,097 thousand in 2025, up from 24,247 thousand in 2024, reflecting a growth of 3.5% [69]. - The retention rate for customers with access to healthcare and elderly care ecosystem services is projected to reach 93% by 2025, while the retention rate for customers holding three or more product types is expected to be as high as 99% [75][94]. - The average number of contracts per customer is expected to reach 2.94 by the end of 2025, representing a 0.7% increase from the beginning of the year [95]. - As of the end of 2025, 75.0% of customers have been served for over 5 years, with their average number of contracts being 1.7 times that of newly acquired customers in the first year [95]. Business Growth and Strategy - The company aims to become an international leader in integrated financial and healthcare services, creating value for customers, employees, shareholders, and society [18]. - The company plans to launch a "Dignity of Life Guarantee Service Plan" to expand its service offerings in elder care [65]. - The company aims to enhance its "Comprehensive Finance + Medical and Elderly Care" service system, driven by technology [65]. - The company has invested over RMB 10.88 trillion in supporting the real economy, with green investment funds amounting to RMB 530.087 billion [50]. - The company plans to address the challenges in the healthcare and elderly care service system by integrating financial services with healthcare solutions [106]. - The company aims to provide a comprehensive healthcare and elderly care solution by leveraging its financial services and technology to enhance customer experience and satisfaction [106]. Healthcare and Elderly Care Services - The scale of the health service industry is expected to reach CNY 16 trillion by 2030, driven by increasing medical demand and uneven resource allocation [30]. - The population aged 60 and above in China has surpassed 300 million, indicating a significant demand for healthcare and elderly care services [98]. - By 2030, the total scale of the health service industry is expected to reach 16 trillion yuan, and by 2035, the silver economy is projected to reach 30 trillion yuan [102]. - The company has established a network of approximately 50,000 internal and external doctors, including over 3,500 contracted specialists, to enhance its online medical services [137]. - The company has integrated health management services, aiming for 16.9 million service uses by 2025, with a customer satisfaction rate of 99% [143]. - The company has expanded its online and offline drug service network to over 240,000 pharmacies, achieving a national coverage rate of over 35% [139]. - The company has developed a comprehensive digital capability in healthcare, leveraging its extensive medical database and proprietary AI model, achieving a diagnostic accuracy rate of 95.1% across over 11,300 diseases [117]. - The company aims to launch AI products such as digital twins of doctors and AI family doctors by 2025, enhancing customer experience throughout the healthcare process [116]. Risk Management and Governance - The company has implemented various measures to effectively manage and control risks, including insurance, credit, market, and operational risks [12]. - The company has a strong governance structure, ensuring the accuracy and completeness of its financial reports [13]. - The company has no significant non-operational fund occupation by controlling shareholders or related parties [11]. - The company’s financial report has been audited by Ernst & Young Hua Ming, receiving a standard unqualified opinion [10]. Innovation and Technology - AI-driven services have resulted in 17.02 billion AI service interactions, covering 80% of total customer service volume, significantly reducing costs [159]. - AI risk control measures have intercepted losses of 10.51 billion yuan through intelligent claims management, maintaining over 10 billion yuan in loss reduction for three consecutive years [157]. - The company plans to enhance its home care services by upgrading to senior doctors with over 20 years of clinical experience by 2025 [144]. - The company aims to achieve a 30% improvement in policy renewal rates through AI-assisted systems [161].

可持续发展报告摘要 证券代码：601318 证券简称：中国平安 中国平安保险（集团）股份有限公司 2025年度可持续发展报告摘要 1 / 6 1、本摘要来自于中国平安保险（集团）股份有限公司 2025 年可持续发展报告全文， 为全面了解本公司环境、社会和公司治理议题的相关影响、风险和机遇，以及公司可 持续发展战略等相关事项，投资者应当到 www.sse.com.cn 网站仔细阅读可持续发展 报告全文。 2、本可持续发展/报告经公司董事会审议通过。 3、德勤华永会计师事务所（特殊普通合伙）为可持续发展报告中部分指标出具了鉴 证报告。 2 / 6 可持续发展报告摘要 第二节 报告基本情况 1、基本信息 | 股票代码 | 601318 | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 公司简称 | 中国平安 | | | | | | | | | | 公司名称 | 中国平安保险（集团）股份有限公司 | | | | | | | | | | 报告范围 | 合并报表范围 | | | | | | | | | | 时 ...