(ii)港股通投資者的股息將以人民幣派發;及 (iii)為享有股息權利而行使轉換權之最後時限为2025年9月5日15:00 （倫敦時間）。 發行人董事 免責聲明 | 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。 | 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 | | --- | --- | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 中國平安保險（集團）股份有限公司 | | 股份代號 | 02318 | | 多櫃檯股份代號及貨幣 | 82318 RMB | | 相關股份代號及名稱 | 05131 PING AN B2907 | | 公告標題 | 2025年6月30日止六個月中期股息 | | 公告日期 | 2025年8月26日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 中期（半年期） | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年6月30日 | | 宣派股息 | 每 ...

Core Viewpoint - China Ping An is transforming its life insurance business from scale development to value transformation, driven by three engines: "insurance + services" innovation, multi-channel growth, and AI technology empowerment [1] Group 1: Financial Performance - In the first half of 2025, China Ping An achieved an operating profit of 77.732 billion RMB, a year-on-year increase of 3.7%, and a net profit of 68.047 billion RMB [1] - The company will distribute an interim cash dividend of 0.95 RMB per share, reflecting a 2.2% year-on-year growth [1] Group 2: Life Insurance Business Growth - The new business value of life and health insurance reached 22.335 billion RMB, a significant increase of 39.8% year-on-year, with the new business value rate rising by 9.0 percentage points [1] - The agent channel's new business value grew by 17.0%, while the per capita new business value increased by 21.6% [1] - The bank insurance channel saw a remarkable increase of 168.6% in new business value, reaching 5.972 billion RMB [3] Group 3: Channel Strategy - Ping An has initiated a channel capability revolution, moving away from traditional strategies to a multi-channel approach that includes bank insurance and community teams [2] - The agent channel has improved in both quantity and quality, with a 1.5 percentage point increase in the proportion of sales personnel with college degrees or higher [2] - The community financial service channel has been enhanced through a standardized operational system, creating a "high-quality, high-capacity, high-income" team [4] Group 4: Product and Service Innovation - The shift to "insurance + services" is driven by the growing demand for comprehensive financial services among the expanding middle-income group in China [5] - Ping An has upgraded its insurance products to comprehensive solutions that integrate health management, retirement planning, and wealth transfer [6] - The company has established a health service closed loop, providing a full range of services from diagnosis to rehabilitation [6][7] Group 5: Technology Empowerment - AI technology is being utilized to optimize service experiences and enhance operational efficiency, significantly improving claims processing times [9][10] - The DeepSeek model has enabled 93% of claims to be processed within 60 seconds, with some claims being paid out in as little as 8 seconds [10] - Ping An's AI-driven fraud prevention system has established a comprehensive risk control framework [11] Group 6: Strategic Outlook - Ping An's comprehensive strategy in financial and elderly care services is expected to create a sustainable competitive advantage [8][12] - The company is positioned to meet the evolving needs of customers throughout their life cycles, enhancing customer loyalty and engagement [12]

Core Viewpoint - China Ping An Insurance (Group) Co., Ltd. has reported significant advancements in its health management and elderly care services as of the first half of 2025, indicating a strong commitment to expanding its wellness and care offerings [1] Group 1: Health Management Services - As of the first half of 2025, Ping An's life insurance health management has served over 13 million customers [1] - The company has established a nationwide home care service that covers 85 cities, with nearly 210,000 customers qualifying for home care services [1] Group 2: Elderly Care Community Projects - Ping An has initiated high-quality elderly care community projects in five cities, which are either in trial operation or under construction [1] - The Shanghai project commenced trial operations in July 2025 [1]

Core Viewpoint - China Ping An has demonstrated significant progress in strategic advancement and service upgrades in the first half of 2025, achieving stable overall operations despite a challenging external environment [2][4]. Financial Performance - The company reported an operating profit of 77.732 billion RMB, a year-on-year increase of 3.7%, and a net profit of 68.047 billion RMB for the first half of 2025 [2][4]. - The total revenue reached 500.076 billion RMB, with total equity attributable to shareholders increasing by 1.7% to 943.952 billion RMB [4]. - A stable cash dividend of 0.95 RMB per share was declared, reflecting a 2.2% increase year-on-year [4]. Business Segments - The life and health insurance business saw a substantial increase in new business value, rising by 39.8% year-on-year [4][9]. - Property insurance premium income reached 171.857 billion RMB, up 7.1%, with a comprehensive cost ratio of 95.2%, improving by 2.6 percentage points [4][11]. Customer Growth and Retention - The number of personal customers reached approximately 247 million, a 4.6% increase from the previous year [3][4]. - The retention rate for customers with contracts held for over five years was 73.8%, with a retention rate of 94.6% overall [8][9]. Strategic Initiatives - The "Comprehensive Finance + Medical and Elderly Care" strategy is being deeply implemented, with nearly 63% of personal customers enjoying services from the medical and elderly care ecosystem [14][15]. - The company has integrated advanced technologies such as AI and big data to enhance service efficiency and customer experience [3][19]. Social Responsibility and Sustainability - China Ping An has invested nearly 10.8 trillion RMB to support the real economy and has a green investment scale of 144.482 billion RMB [20]. - The company achieved an MSCI ESG rating upgrade to AA, ranking first in the Asia-Pacific region for comprehensive insurance and brokerage [20]. Brand Value and Recognition - The company ranked 47th in the Fortune Global 500 and 27th in the Forbes Global 2000, maintaining its position as the top insurance company in China [7].

Core Insights - China Ping An Insurance (Group) Company Limited has released its mid-year report for 2025, highlighting its advancements in AI technology and data utilization [1] Group 1: Company Performance - The company has built an AI moat based on vast amounts of data, leveraging technology for service development and application [1] - Ping An's database includes financial, medical, and operational data, positioning it among the world's leaders in data accumulation [1] - As of mid-2025, the company has accumulated 30 trillion bytes of data, with leading accuracy in voice, language, and visual model scenarios [1] Group 2: Technological Advancements - In the first half of 2025, the usage of Ping An's large model reached 818 million calls, indicating significant engagement with its AI capabilities [1] - The company has developed over 650 diverse application scenarios for its AI technology [1]

中国平安表示，中期现金分红提升至每股0.95元，同比增长2.2%。 北京商报讯(记者李秀梅)8月26日，中国平安（601318）保险(集团)股份有限公司(以下简称"中国平安") 发布2025年中报。 ...

北京商报讯（记者 李秀梅）8月26日，中国平安公布2025年上半年业绩，实现归属于母公司股东的营运 利润777.32亿元，同比增长3.7%；现金分红水平稳定增长，将向股东派发中期股息每股现金人民币0.95 元，同比增长2.2%。寿险及健康险业务新业务价值达成223.35亿元，同比强劲增长39.8%。 "保险+服务"布局深化。2025年上半年，平安寿险健康管理已服务超1,300万客户；居家养老服务覆盖全 国85个城市，累计近21万名客户获得居家养老服务资格。平安高品质康养社区项目已布局5个城市，陆 续进入试运营或建设阶段，其中上海项目于7月试运营。 寿险多渠道高质量发展成效显著。2025年上半年，代理人渠道新业务价值同比增长17.0%，人均新业务 价值同比增长21.6%；银保渠道新业务价值同比大幅增长168.6%。银保渠道、社区金融服务及其他等渠 道，贡献了平安寿险新业务价值的33.9%。业务品质稳步改善，保单继续率保持较高水平，13个月保单 继续率达96.9%，同比上升0.3个百分点。 ...

北京商报讯（记者 李秀梅）8月26日，中国平安保险（集团）股份有限公司（以下简称"中国平安"）发 布2025年中报。 上半年，中国平安实现归属于母公司股东的营运利润777.32亿元，同比增长3.7%，归属于母公司股东的 净利润680.47亿元。保险资金投资组合实现非年化综合投资收益率3.1%，同比上升0.3个百分点。 ...

8月26日下午，中国平安在港交所公告，2025年上半年归属于母公司股东的净利润680.47亿元，同比减 少8.8%；营业收入5464.69亿元；将向股东派发中期股息每股现金人民币0.95元，同比增长2.2%。 ...

Core Viewpoint - China Ping An (601318) reported a solid performance in the first half of 2025, with significant growth in various business segments, particularly in life and health insurance, showcasing its innovative service models and strong customer retention strategies [1][4][5]. Financial Performance - The company achieved operating revenue of 546.469 billion yuan, with operating profit attributable to shareholders at 77.732 billion yuan, a year-on-year increase of 3.7% [1]. - Net profit attributable to shareholders reached 68.047 billion yuan, with basic earnings per share at 3.87 yuan and an interim cash dividend of 0.95 yuan per share [1]. Service Model Innovation - Ping An introduced the "Tian Ping An" insurance and service solution, which includes home-based elderly care services, combining pension benefits with a three-in-one service model of "smart housekeeper, life housekeeper, and doctor housekeeper" [2]. - The company upgraded its global emergency rescue service, covering 233 countries and regions, with the ability to dispatch medical aircraft within 48 hours for urgent medical needs [2]. Customer Management and Retention - As of June 2025, the company had nearly 247 million individual customers, a 4.6% increase from June 2024, with an average of 2.94 contracts per customer [3]. - The retention rate for long-term customers (5 years and above) was 73.8%, and the overall customer retention rate stood at 94.6% [3]. Business Segment Performance - The new business value for life and health insurance reached 22.335 billion yuan, a significant increase of 39.8% year-on-year, with high policy continuation rates [4]. - Property insurance premium income was 171.857 billion yuan, up 7.1%, with a comprehensive cost ratio of 95.2%, showing improvement [5]. Healthcare and Elderly Care Strategy - The company integrated its insurance and healthcare services, with nearly 63% of its individual customers enjoying benefits from its healthcare and elderly care ecosystem [6]. - Health insurance premium income was close to 87 billion yuan, with medical insurance premium income exceeding 41 billion yuan, reflecting a 3.3% year-on-year growth [6]. AI and Technology Integration - Ping An has developed a leading AI capability, utilizing a vast database of 30 trillion bytes of data, enhancing service efficiency and customer experience [8]. - The company reported 8.18 billion calls to its AI models in the first half of 2025, with over 650 application scenarios [8][9].