Customer Growth and Retention - The total number of individual customers reached 24.247 million, an increase from 23.157 million in the previous year, representing a growth of 4.7%[12] - The number of individual customers reached 242 million, with 25.6% holding four or more contracts within the group[71] - The customer retention rate for clients with four or more contracts is 98.0%, indicating strong customer loyalty[38] - The retention rate for individual customers increased to 90.9% in 2024, up by 1.6 percentage points year-on-year[102] - Customers with 4 or more contracts had a retention rate of 98.0%, which is 11.5 percentage points higher than those with only one contract[106] - The average number of contracts per customer is 2.92, with an average profit of 446.90 yuan per person[38] - The average number of contracts per customer enjoying medical and elderly care services was 3.37, which is 1.6 times higher than those not enjoying these services[119] Financial Performance - The operating profit attributable to shareholders was RMB 121.862 billion, up from RMB 111.728 billion, reflecting a growth of 9.6%[12] - The net profit attributable to shareholders increased to RMB 126.607 billion from RMB 85.665 billion, marking a significant rise of 47.8%[12] - The total assets of the company reached RMB 12.958 trillion, compared to RMB 11.583 trillion in the previous year, indicating a growth of 11.9%[12] - The operating return on equity (ROE) was 12.7%, slightly up from 12.5% in the previous year[12] - Total revenue for 2024 was RMB 1,028.925 billion, reflecting a year-on-year growth of 12.6%[67] - The comprehensive investment return rate for 2024 was 5.8%, up by 2.2 percentage points year-on-year[67] - Basic earnings per share for 2024 is RMB 6.89, up 9.2% compared to the previous year[151] Business Segments and New Initiatives - The new business value for the year was RMB 28.534 billion, down from RMB 31.080 billion, a decrease of 8.2%[12][13] - The new business value for 2024 is projected to reach RMB 40.024 billion, representing a growth of 28.8% compared to the previous year[15] - The company has launched new insurance products, including the upgraded "Guardian 100%" series and the "Peace of Mind" series, catering to diverse customer needs[176][177] - The company aims to enhance digital services, providing 24/7 online medical services and integrating various financial products for customer convenience[16] - The company aims to deepen its "comprehensive finance + medical care and elderly services" strategy to build core competitiveness through service differentiation[34] Insurance and Healthcare Services - The net profit from the property insurance business was RMB 15.021 billion, a significant increase from RMB 8.958 billion, representing a growth of 67.5%[12] - The comprehensive cost ratio for property insurance business improved to 98.3%, a year-on-year optimization of 2.3 percentage points, while the net profit for property insurance reached RMB 15.02 billion, a year-on-year increase of 67.7%[53] - The health management service has reached over 21 million customers, providing comprehensive medical health services since its launch in 2021[180] - The company intercepted CNY 11.94 billion in fraudulent claims through intelligent claims management, a year-on-year increase of 10.4%[77] - The company has over 31 million paid users for its healthcare services, covering more than 67,000 paid enterprises and benefiting over 29 million employees, with over 50% coverage of large and medium-sized state-owned and foreign enterprises[40] Digital Transformation and Technology Integration - The company leverages AI and big data to optimize service processes, significantly reducing customer wait times and improving service efficiency[38] - The AI service volume reached approximately 1.84 billion instances in 2024, covering 80% of the company's total customer service volume, demonstrating the effectiveness of its digital transformation[96] - The company has established five leading laboratories and nine databases to support its digital transformation and improve operational efficiency across financial, healthcare, and elderly care sectors[42] - The company has integrated AI technology, achieving a 93% instant underwriting rate for life insurance policies, significantly reducing service costs and improving efficiency[45] Strategic Goals and Market Position - By 2030, China's middle class is expected to account for one-third of the global middle class, indicating a significant demand for comprehensive financial services[30] - The total scale of the health service industry in China is projected to reach 16 trillion yuan by 2030, driven by increasing healthcare needs[33] - The elderly population (65 years and older) in China is expected to exceed 20% of the total population by 2030, with the silver economy projected to reach 30 trillion yuan by 2035, representing 10% of GDP[31][32] - The company maintains a leading position in the Chinese market, being the second-largest life insurance company and the second-largest property insurance company by premium income[93] - The company has received multiple awards for its brand value and corporate governance, ranking 53rd in the Fortune Global 500 and 9th among global financial companies[86][87] Dividend and Shareholder Returns - The company plans to distribute a cash dividend of RMB 1.62 per share for the 2024 year-end, with an annual cash dividend of RMB 2.55 per share, representing a year-on-year increase of 5%[49] - The company has invested nearly RMB 10.14 trillion to support the development of the real economy[62]

Core Viewpoint - Ping An Insurance has released its 2024 Sustainability Report, highlighting its commitment to public welfare education and innovative financial services, while showcasing significant achievements in various sustainability initiatives [2][21]. Group 1: Public Welfare Education - Ping An's public welfare education initiative celebrated its 30th anniversary in 2024, continuing to support rural education through infrastructure, volunteer teaching, scholarships, and training [3][4]. - As of the end of 2024, Ping An has built 119 Ping An Hope Primary Schools, recruited 12,708 volunteer teachers, and established educational scholarships benefiting 31,345 students [4][7]. Group 2: Financial Services Innovation - The "Worry-free, Time-saving and Money-saving" project aims to enhance customer service and product offerings, focusing on financial advisers, family doctors, and senior care concierges [5][6]. - By the end of 2024, Ping An had 242 million retail customers, with an average of 2.92 contracts per customer, and over 63% of them were entitled to health and senior care service benefits [6][8]. Group 3: Financial Performance - In 2024, Ping An achieved an operating profit of RMB121,862 million, a year-on-year increase of 9.1%, and a net profit of RMB126,607 million, a substantial increase of 47.8% [9]. - The total revenue for 2024 was RMB1,141,346 million, reflecting a year-on-year increase of 10.6%, with a cash dividend of RMB2.55 per share, marking a 5% increase from the previous year [9]. Group 4: Technological Advancements - Ping An has invested heavily in technology, with 55,080 patent applications and AI service representatives handling about 1.8 billion customer service interactions in 2024 [10]. - The company developed an AI-assisted diagnosis system covering over 2,000 diseases, achieving over 99% accuracy in triage and over 95% in assisted diagnosis [10]. Group 5: Green Finance Initiatives - In 2024, Ping An's green insurance premium income reached RMB58,608 million, a year-on-year increase of nearly 57%, while the balance of green loans was RMB157,762 million, up 13% [11]. - The company actively supports low-carbon technologies, issuing RMB440 million in project loans for carbon capture and approximately RMB3.44 billion for clean conversion projects [11]. Group 6: Social Responsibility - Ping An provided over RMB52 billion in rural revitalization assistance, conducted free health examinations for 6,859 villagers, and upgraded 45 rural clinics in 2024 [18]. - The company encouraged employee participation in public welfare projects, with over 490,000 volunteers involved in various initiatives [19]. Group 7: Recognition and Ratings - In 2024, Ping An received an AA rating in the MSCI ESG rating and was recognized as a "Low Risk" company in the Sustainalytics ESG rating, achieving the best score among insurance companies in mainland China [20]. - The company has been included in the FTSE4Good index series for five years and the Hang Seng Corporate Sustainability Index Series for 14 years [20].

致：香港交易及結算所有限公司 公司名稱: 中国平安保险（集团）股份有限公司 呈交日期: 2025年4月1日 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年3月31日 狀態: 新提交 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | A | | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 601318 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 10,762,657,695 | RMB | | 1 | RMB | | 10,762,657,695 | | 增加 / 減少 (-) | | | | | | | RMB | | | | 本月底結存 | | | 10,762,657,695 | RMB | | | 1 RMB | | 10,762,657,695 | | ...

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。 董事會召開日期 中國平安保險（集團）股份有限公司（「本公司」及其附屬公司「本集團」）董事會（「董 事會」）兹通告謹定於二零二五年四月二十五日（星期五）舉行董事會會議，以考慮及 通過本集團截至二零二五年三月三十一日止三個月之第一季度業績，以及處理任何其他 事項。 承董事會命 盛瑞生 公司秘書 中國深圳，2025年3月27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、蔡方方及付欣；非執行董事為謝吉 人、楊小平、何建鋒及蔡潯；獨立非執行董事為伍成業、儲一昀、劉宏、吳港平、金李及王廣謙。 ...

董事名單與其角色和職能 中國平安保險（集團）股份有限公司第十三屆董事會（「董事會」）成員與其角色和職能載列 如下： M 有關委員會的委員 馬明哲 （董事長） 謝永林 （總經理、聯席首席執行官） 郭曉濤 （聯席首席執行官、副總經理） 蔡方方 （副總經理） 付欣 （副總經理、首席財務官） 非執行董事 謝吉人 楊小平 何建鋒 蔡潯 獨立非執行董事 伍成業 儲一昀 劉宏 吳港平 金李 王廣謙 1 | | 委員會 | | 審計與風險管理 | 關聯交易控制與消費 | 戰略與投資決策 | | --- | --- | --- | --- | --- | --- | | | | 提名薪酬委員會 | 委員會 | 者權益保護委員會 | 委員會 | | 董事 | | | | | | | 馬明哲 | | | | | C | | 謝永林 | | | | | | | 郭曉濤 | | | | | | | 蔡方方 | | | | M | | | 付欣 | | | | | | | 謝吉人 | | | | | | | 楊小平 | | | M | | M | | 何建鋒 | | | | | M | | 蔡潯 | | | | | | | 伍成業 | ...

特此公告。 中国平安保险（集团）股份有限公司董事会 2025 年 3 月 27 日 中国平安保险（集团）股份有限公司 关于首席财务官（财务负责人）任职资格 获国家金融监督管理总局核准的公告 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。 经本公司第十三届董事会第六次会议审议通过，并经国家金融监督管理总局 核准任职资格（金复〔2025〕181 号），付欣女士自 2025 年 3 月 26 日起正式出 任本公司首席财务官（财务负责人）。 证券代码：601318 证券简称：中国平安 公告编号：临 2025-012 ...

中国平安保险（集团）股份有限公司 内部控制审计报告 2024 年 12 月 31 日 内部控制审计报告 安永华明（2025）专字第70008883_A01号 中国平安保险（集团）股份有限公司 我们的责任是在实施审计工作的基础上，对财务报告内部控制的有效性发表审计意见， 并对注意到的非财务报告内部控制的重大缺陷进行披露。 按照中国证券监督管理委员会发布的《上市公司实施企业内部控制规范体系监管问题解 答》（2011 年第 1 期，总第 1 期）的相关豁免规定，中国平安保险（集团）股份有限公司未 将于 2024 年度纳入合并报表范围的陆金所控股有限公司的内部控制包括在中国平安保险（集 团）股份有限公司 2024 年度内部控制自我评价范围内。按照《企业内部控制审计指引实施意 见》的相关指引，我们对中国平安保险（集团）股份有限公司财务报告内部控制执行审计工 作时，亦未将陆金所控股有限公司的内部控制纳入财务报告内部控制审计的范围。 三、内部控制的固有局限性 内部控制具有固有局限性，存在不能防止和发现错报的可能性。此外，由于情况的变化 可能导致内部控制变得不恰当，或对控制政策和程序遵循的程度降低，根据内部控制审计结 果推测 ...

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) 控股股东及其他关联方占用资金情况专项报告 2024 年度 关于中国平安保险（集团）股份有限公司 2024 年度控股股东及其他关联方占用资金情况专项报告 安永华明（2025）专字第70008883_A02号 中国平安保险（集团）股份有限公司 中国平安保险（集团）股份有限公司董事会： 我们接受委托，审计了中国平安保险（集团）股份有限公司（以下简称"贵公 司"）的财务报表，包括2024年12月31日的合并及公司的资产负债表，2024年度合并 及公司的利润表、股东权益变动表和现金流量表以及财务报表附注，并于2025年3月 19日出具了安永华明（2025）审字第70008883_A01号标准无保留意见审计报告。我 们的审计是按照中国注册会计师审计准则进行的。 在对上述财务报表执行审计的基础上，我们对后附的贵公司 2024 年度控股股东及 其他关联方非经营性资金占用及其他关联资金往来情况表（以下简称"情况表"）执 行了有限保证的鉴证业务。 根据中国证券监督管理委员会《上市公司监管指引第 8 号—上市公司资金往来、 对外担保的监管要求》（证监会公告[2022] ...

2024 年，本人投入足够的时间履行职责，亲身出席股东会和 董事会历次会议，包括公司 2023 年年度股东大会和 9 次董事会会 议。在深入了解情况的基础上，本人对各会议审议事项，经审慎 考虑后均投出赞成票，未出现投弃权或者反对票情形。 中国平安保险（集团）股份有限公司 独立董事 2024 年度述职报告（刘宏） 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 2024 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： | 刘宏 | | 先生 | | 其他主要任职 | | --- | --- | --- | --- | --- | | | | | | 刘先生现任北京大学教授、博士生导师，中国人工智能学会副理 | | 独立董事 | | | | 事长。刘先生亦为国家"十三五"重点研发计划"智能机器人"总 | | | | | | 体专家组成员，国 ...

中国平安保险（集团）股份有限公司 独立董事 2024 年度述职报告（储一昀） 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 2024 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： | 储一昀 | | 先生 | | 其他主要任职 | | --- | --- | --- | --- | --- | | | | | | 储先生曾用名储祎昀，现任上海财经大学会计学院教授（国家二 | | 独立董事 | | | | 级岗）、博士生导师，财政部会计名家，教育部人文社会科学重点 | | | | | | 研究基地上海财经大学会计与财务研究院专职研究员，第一、二 | | 60 | 岁 | | | 届国家机关事务管理局正高级会计专业技术资格评审委员会委 | | | | | | 员，中国会计学会第八、第九届理事会理事。储先生亦为河北银 | | 自 | 20 ...