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) 已审财务报表 2024年度 目录 | | | 页码 | | --- | --- | --- | | 一、 | 审计报告 | 1-7 | | 二、 | 已审财务报表 | | | | 合并资产负债表 | 8-10 | | | 合并利润表 | 11-12 | | | 合并股东权益变动表 | 13-14 | | | 合并现金流量表 | 15-16 | | | 公司资产负债表 | 17 | | | 公司利润表 | 18 | | | 公司股东权益变动表 | 19-20 | | | 公司现金流量表 | 21 | | | 财务报表附注 | 22-197 | 附录：财务报表补充资料 | 1. | 非经常性损益表 | A-1 | | --- | --- | --- | | 2. | 中国会计准则与国际财务报告准则编报差异调节表 | A-2 | | 3. | 净资产收益率和每股收益 | A-3 | 审计报告 安永华明（2025）审字第70008883_A01号 中国平安保险（集团）股份有限公司 中国平安保险（集团）股份有限公司全体股东： 一、审计意见 我们审计了中国平 ...

中国平安 2024可持续发展报告 | 报告开篇 | | --- | | 年度专题 | | --- | | 报告说明 | | --- | | 关于平安 | | 年度成绩与认可 | | 02 | 专题 1 | ：教育公益三十载，用爱点亮新征程 | 08 | | --- | --- | --- | --- | | 03 | 专题 | 2："三省"工程打造金融服务新范式 | 15 | | 04 | | | | 1 可持续的战略管理 | 战略规划 | | --- | | 管理体系 | | 重要性评估 | | 利益相关方沟通 | | 20 | 助力实体经济 | | --- | --- | | 23 | 可持续保险 | | 25 | 负责任银行 | | 28 | 负责任投资 | | | 负责任产品 | 2 可持续的业务 3 可持续的运营与社区 | 31 | 乡村振兴与社区影响力 | 72 | | --- | --- | --- | | 37 | 消费者保护与体验 | 83 | | 48 | 员工及代理人发展与保障 | 89 | | 54 | 科技创新 | 104 | | 65 | 可持续供应链 | 107 | | 4 气候 ...

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、准确性和完整性承担法律责任。 为深入落实《国务院关于加强监管防范风险推动资本市场高质量发展的若干 意见》（以下简称"新国九条"）和中国证券监督管理委员会关于"提升上市公司 质量和投资价值"及"以投资者为本"等文件精神和理念，以实际行动积极回报 投资者，本公司于 2025 年 3 月 19 日召开第十三届董事会第七次会议，审议通过 了《关于注销回购 A 股股份、减少注册资本并相应修订〈公司章程〉的议案》， 拟注销存放于公司回购专用证券账户的 102,592,612 股 A 股股份（以下简称"本 次注销"）。本次注销完成后，公司注册资本及股本总数将相应核减，并修订《中 国平安保险（集团）股份有限公司章程》（以下简称"《公司章程》"）中的相关条 款。现将有关事项说明如下： 一、本次回购股份的实施情况 基于对公司持续发展的信心和内在投资价值的认可，为维护广大投资者的利 益，本公司于 2021 年 8 月 26 日召开第十二届董事会第四次会议，审议通过了《关 ...

证券代码：601318 证券简称：中国平安 公告编号：临 2025-006 （2）《公司 2024 年年度报告》内容真实、准确、完整地反映了本公司的实 际情况； 中国平安保险（集团）股份有限公司 第十一届监事会第六次会议决议公告 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、准确性和完整性承担法律责任。 本公司第十一届监事会第六次会议（以下简称"会议"）通知于 2025 年 3 月 5 日发出，会议于 2025 年 3 月 19 日在深圳市召开。会议应出席监事 5 人，实到 监事 5 人，会议有效行使表决权票数 5 票。本公司部分高级管理人员列席了会议， 会议的召集、召开程序符合《中华人民共和国公司法》和《中国平安保险（集团） 股份有限公司章程》（以下简称"《公司章程》"）的相关规定，会议合法、有效。 会议由本公司监事会主席孙建一主持，与会监事经充分讨论，审议通过了如 下议案： （3）未发现参与《公司 2024 年年度报告》编制和审议的人员有违反保密规 定的行为； 一、审议通过了《公司 2024 ...

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、准确性和完整性承担法律责任。 本公司第十三届董事会第七次会议（以下简称"会议"）通知于 2025 年 3 月 5 日发出，会议于 2025 年 3 月 19 日在深圳市召开。会议应出席董事 15 人， 实到董事 15 人，会议有效行使表决权票数 15 票。本公司全体监事和高级管理人 员列席了会议，会议的召集、召开程序符合《中华人民共和国公司法》和《中国 平安保险（集团）股份有限公司章程》（以下简称"《公司章程》"）的相关规定， 会议合法、有效。 会议由本公司董事长马明哲主持，与会董事经充分讨论，审议通过了如下议 案： 证券代码：601318 证券简称：中国平安 公告编号：临 2025-005 中国平安保险（集团）股份有限公司 第十三届董事会第七次会议决议公告 一、审议通过了《关于审议公司 2025 年度工作计划的议案》 本公司董事会战略与投资决策委员会已审议通过本项议案。 表决结果：赞成 15 票、反对 0 票、弃权 0 票 二、审议通过了《关于审议 ...

证券代码：601318 证券简称：中国平安 公告编号：临 2025-007 | 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 | 2025/6/27 | － | 2025/6/30 | 2025/6/30 | 本次利润分配方案尚待本公司 2024 年年度股东会审议通过后方可实施。 一、利润分配方案内容 （一）利润分配方案的具体内容 经安永华明会计师事务所（特殊普通合伙）及安永会计师事务所审计，截至 2024 年 12 月 31 日，本公司 2024 年度中国会计准则及国际财务报告准则合并财务 报表归属于母公司股东的净利润均为人民币 1,266.07 亿元，母公司净利润均为人 民币 547.79 亿元。根据《中国平安保险（集团）股份有限公司章程》（以下简称"《公 司章程》"）及其他相关规定，公司在确定可供股东分配的利润额时，应当按照母 公司净利润的百分之十提取法定盈余公积，同时规定，法定盈余公积累计额为公司 注册资本的百分之五十以上的，可以不再提取。经 ...

Financial Performance - The company reported a total revenue of RMB 29,334,380,031.90 for the year, with a proposed final dividend of RMB 1.62 per share[13]. - The operating profit attributable to shareholders reached RMB 121.86 billion, a year-on-year increase of 9.1%, while net profit increased by 47.8% to RMB 126.61 billion[47]. - The total revenue for 2024 reached RMB 1,028.925 billion, reflecting a year-on-year growth of 12.6%[65]. - The net profit attributable to shareholders for 2024 reached RMB 126.607 billion, a 47.8% increase from RMB 85.665 billion in 2023[87]. - The basic earnings per share for 2024 increased to RMB 7.16, up 47.9% from RMB 4.84 in 2023[84]. - The company reported a net cash flow from operating activities of RMB 382.474 billion in 2024, a 6.1% increase from RMB 360.403 billion in 2023[87]. - The operating profit attributable to the parent company's shareholders for 2024 was RMB 121.862 billion, compared to RMB 111.728 billion in 2023, marking a growth of 9.6%[88]. - The company reported a 67.7% increase in operating profit from property insurance business, reaching RMB 14.95 billion[161]. - The net profit increased by 25.5% to RMB 92,097 million in 2024 compared to RMB 73,391 million in 2023[200]. Customer Base and Retention - The company serves over 240 million individual customers and more than 4 million corporate clients globally[17]. - The total number of personal customers reached 242 million, with an average of 2.92 contracts per customer and an average profit of 446.90 CNY per person[35]. - The customer retention rate for those holding four or more contracts within the group is 98.0%, with 72.2% of customers having been served for over five years[57]. - The customer retention rate for personal clients was 90.9%, an increase of 1.6 percentage points year-on-year, with long-term customers (5 years and above) having a retention rate of 94.7%[103][104]. - The number of individual customers reached 242 million, with 25.6% holding four or more contracts, and a retention rate of 98.0%[68]. - Ping An's personal customer base reached 242 million by the end of 2024, growing by 4.7% year-on-year, with 32.07 million new customers added, a 9.8% increase compared to the previous year[109]. Dividends and Share Capital - The company has a total share capital of 18,210,234,607 shares, with 102,592,612 shares held in a repurchase account not participating in the dividend distribution[13]. - The company has proposed a mid-year cash dividend of RMB 0.93 per share, totaling RMB 16,840,107,055.35[13]. - The cash dividend per share for the year is RMB 2.55, reflecting a year-on-year growth of 5% and a cash dividend ratio based on operating profit of 37.9%[48]. Risk Management and Compliance - The company has implemented various measures to effectively manage and control risks, including insurance, credit, market, and operational risks[13]. - The company’s financial report has been audited by Ernst & Young Hua Ming, receiving a standard unqualified opinion[11]. - The company’s board of directors has confirmed the accuracy and completeness of the annual report, ensuring no significant omissions or misleading statements[10]. Strategic Focus and Innovation - The company has a comprehensive strategy focusing on integrated financial services and healthcare, aiming to leverage market opportunities[17]. - The company emphasizes a "one-stop service" model, integrating financial, medical, and elderly care services to enhance customer experience[35]. - The company is focused on digital innovation and differentiated services to address the growing consumer demand in the financial, medical, and elderly care sectors[25]. - The company aims to deepen the integration of medical and elderly care services, enhancing the synergy between insurance and healthcare sectors[136]. - The company plans to enhance customer acquisition and retention, aiming for steady growth in key metrics[76]. Health and Elderly Care Services - The company aims to achieve a total scale of 16 trillion CNY in the health service industry by 2030[31]. - The aging population in China is projected to exceed 20% of the total population by 2035, with the silver economy expected to reach 30 trillion CNY[29]. - The company has established a comprehensive service system covering over 70% of customers enjoying rights in the health and elderly care ecosystem[59]. - The health insurance premium income exceeded RMB 140 billion in 2024, with over 31 million strategic business paying users[71]. - The medical and elderly care ecosystem has been developed over 10 years, with nearly 63% of personal customers benefiting from its services by the end of 2024[117]. - The company signed contracts with over 150 home care service suppliers, covering 75 cities, and more than 160,000 clients qualified for home care services, an increase of over 70,000 since the beginning of the year[134]. Investment and Financial Empowerment - The company has supported the real economy with cumulative investments of nearly RMB 10.14 trillion, including green investments of RMB 124.71 billion[61]. - The company has achieved a comprehensive investment return rate of 5.8%, up by 2.2 percentage points year-on-year, with a 10-year average net investment return rate of 5.0%[53]. - The investment portfolio achieved a comprehensive investment return rate of 5.8%, an increase of 2.2 percentage points year-on-year[65]. - The financial empowerment business reported a loss reduction of 42.6%, with losses decreasing to RMB 11.90 billion[161]. Market Expansion and Product Development - The company plans to launch high-quality elderly care community projects in five cities, with the first projects expected to open in the second half of 2025[71]. - The company is actively expanding its product offerings in the areas of health, retirement, and wealth management to meet diverse customer needs[183][184][185][186]. - The company has established a cooperation network with over 36,000 hospitals and more than 1,300 overseas medical institutions, covering 35 countries globally[140]. - The company has built a high-performance elite team of nearly 24,000 members as of December 31, 2024[182]. Technology and Data Management - The company developed a three-layer large model system and five major medical databases, containing 30 trillion bytes of data, becoming one of the largest financial and medical databases globally[73]. - AI-assisted diagnosis accuracy reached over 95%, with intelligent recommendation accuracy at 99% for over 2,000 diseases[74]. - The company intercepted fraud claims worth RMB 119.4 million, marking a 10.4% year-on-year increase[73]. - Ping An's AI service platform is expected to handle approximately 1.84 billion service requests in 2024, covering 80% of the total customer service volume[96].

Cash Dividend Increases for 13th Consecutive Year HONG KONG and SHANGHAI, March 19, 2025 /PRNewswire/ -- Ping An Insurance (Group) Company of China, Ltd. (hereafter "Ping An" or the "Group", HKEX: 2318; SSE: 601318) today announced its financial results for the year ended December 31, 2024.In 2024, China's domestic economy was generally stable with a positive long-term economic outlook. However, China still faced short- and medium-term challenges including lackluster domestic demand, volatile markets, and i ...

Financial Performance - The company reported audited financial results for the year ending December 31, 2024, in compliance with the Hong Kong Stock Exchange listing rules[2]. - Operating profit attributable to shareholders increased to RMB 121.862 billion in 2024, compared to RMB 111.728 billion in 2023, marking a growth of 9.6%[10]. - Net profit attributable to shareholders rose significantly to RMB 126.607 billion in 2024, up from RMB 85.665 billion in 2023, reflecting a growth of 47.8%[10]. - Total assets grew to RMB 12.958 billion in 2024, an increase from RMB 11.583 billion in 2023, indicating a growth of 11.9%[10]. - The operating return on equity (ROE) improved to 12.7% in 2024, compared to 12.5% in 2023[10]. - Total revenue amounted to CNY 1,141.35 billion, representing a year-on-year increase of 10.6%[43]. - The basic earnings per share for 2024 is RMB 6.89, which is a 9.2% increase compared to the previous year[148]. - The total equity attributable to the parent company's shareholders increased by 9.3% to RMB 1,002,889 million as of December 31, 2024[160]. Customer Growth and Retention - The number of individual customers reached 24.247 million in 2024, up from 23.157 million in 2023, representing a growth of 4.7%[10]. - The number of personal customers increased by 4.7% year-to-date, reaching 242 million[53]. - The number of customers holding four or more contracts increased to 6.218 million in 2024, up from 5.856 million in 2023, a growth of 6.2%[10]. - The customer retention rate for individual customers improved to 90.9%, an increase of 1.6 percentage points year-on-year[97]. - The retention rate for customers with 4 or more contracts is 98.0%, which is 11.5 percentage points higher than those with only one contract[101]. - The average number of contracts per individual customer is 2.92, with an average profit of 446.90 yuan per person[32]. Business Segments and Innovations - The company anticipates significant growth in its core business segments, driven by digital transformation and innovation[9]. - 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[11]. - The net profit from property insurance business increased to RMB 15.021 billion in 2024, compared to RMB 8.958 billion in 2023, a growth of 67.5%[10]. - The health insurance premium income exceeded RMB 140 billion, with over 31 million strategic business paying users in the past 12 months[69]. - The company has implemented AI-driven underwriting processes, achieving instant policy approvals for life insurance[9]. - The company is exploring new market expansions and potential acquisitions to strengthen its competitive position[4]. Strategic Initiatives - The company aims to serve 240 million customers through comprehensive digitalization, enhancing efficiency and cost-effectiveness[9]. - The company plans to invest 100 billion in interest-free funds to support rural revitalization initiatives[9]. - The company is focusing on green development, with insurance products aimed at protecting natural resources[9]. - The company is committed to integrating financial and healthcare services, leveraging technology for better customer experiences[9]. - The company aims to build a comprehensive service system through standardization, centralized procurement, and service supervision[35]. - The company is actively responding to the national "Healthy China" strategy by providing proactive medical health management services[35]. Technology and Efficiency - AI coverage rate for customer service reached 80%, significantly enhancing service efficiency[40]. - The company is leveraging technology to enhance service efficiency, reduce costs, and improve risk management[30]. - In 2024, AI service volume reached approximately 1.84 billion times, covering 80% of total customer service volume, with 93% of life insurance policies underwritten in seconds and 56% of claims processed instantly[72]. - The intelligent claims interception in Ping An Property Insurance reduced losses by 11.94 billion yuan, representing a year-on-year growth of 10.4%[72]. Corporate Governance and Social Responsibility - The company has been recognized for its corporate governance and social responsibility, ranking 53rd in the Fortune Global 500 and 9th among global financial companies[82]. - The company has established a strong online and offline channel network with over 7,000 offline outlets covering 330 cities and a sales service team of over 1.3 million[89]. Future Outlook - The company plans to accelerate the integration of artificial intelligence and big data technologies, with a focus on digital transformation as a key priority for 2025[77]. - Ping An aims to enhance customer management and achieve steady growth in customer acquisition, retention, and migration, focusing on the "Three Numbers" strategy[76]. - The company is committed to increasing investments in strategic emerging industries, advanced manufacturing, and new infrastructure, reflecting a responsible approach to capital allocation[78].

Group 1: Core Insights - Ping An P&C has partnered with FAW Hongqi to launch Hongqi Intelligent Driving Protection Services, aimed at enhancing travel safety and promoting the intelligent vehicle industry [1][3] - The company is innovating insurance products to address the unique risks associated with intelligent vehicles, launching the first full-scenario solution for intelligent driving that covers eight high-frequency scenarios [2][5] - Ping An P&C is committed to a customer-centric approach, focusing on technological empowerment to provide comprehensive insurance protection for new energy vehicle companies and customers [6] Group 2: Product and Service Innovations - The Hongqi Tian Gong 08, a new energy vehicle, features ultra-low-temperature battery technology, prompting Ping An P&C to create a customized compensation plan for battery failures due to low temperatures [4] - In addition to the collaboration with FAW Hongqi, Ping An P&C has also launched a similar intelligent driving protection service with Seres Automobile Co., Ltd., covering scenarios like automated parking [5] Group 3: Company Overview - Ping An Insurance (Group) Company of China, Ltd. is one of the largest financial services companies globally, with over RMB 12 trillion in total assets as of September 2024 [7] - The Group is listed on the Hong Kong and Shanghai stock exchanges and ranked 29th in the Forbes Global 2000 list and 53rd in the Fortune Global 500 list in 2024 [7]