Core Insights - China Ping An's operating profit attributable to shareholders reached 77.732 billion yuan, reflecting a year-on-year growth of 3.7% [1] - The total revenue for the first half of 2025 was 500.076 billion yuan [1] - The new business value for life and health insurance showed a robust growth of 39.8% [1] - The property insurance and banking operations remained stable [1] Summary by Categories Financial Performance - Operating profit attributable to shareholders: 77.732 billion yuan, up 3.7% year-on-year [1] - Total revenue: 500.076 billion yuan [1] Business Segments - Life and health insurance new business value growth: 39.8% [1] - Stability in property insurance and banking operations [1]

Core Viewpoint - Ping An Insurance reported steady growth in its interim results for the first half of 2025, demonstrating resilience and innovation in a challenging economic environment, with a focus on integrated finance and health services [2][4]. Financial Performance - Operating profit attributable to shareholders reached RMB 77,732 million, up 3.7% YoY, while net profit was RMB 68,047 million [4]. - Revenue for the Group was RMB 546,469 million, and equity attributable to shareholders increased by 1.7% to RMB 943,952 million [4]. - An interim dividend of RMB 0.95 per share was declared, reflecting a 2.2% increase YoY [4]. Business Development - The Life and Health insurance segment saw a new business value (NBV) surge of 39.8% YoY, reaching RMB 22,335 million [7]. - The agent channel NBV grew by 17.0% YoY, while the bancassurance channel experienced a remarkable increase of 168.6% YoY [4][7]. - The number of retail customers increased by 4.6% YoY to nearly 247 million, with a retention rate of 94.6% for customers served for five or more years [3][6]. Integrated Finance Strategy - Ping An's integrated finance model achieved balanced growth, with customers entitled to health and senior care services contributing nearly 70% of Ping An Life's NBV [3][6]. - The Group launched innovative products and services, including an "insurance + service" solution and upgraded emergency rescue services [3][8]. Investment Performance - The unannualized comprehensive investment yield for the insurance funds portfolio rose to 3.1%, up 0.3 percentage points YoY [4][11]. - The insurance funds investment portfolio grew by 8.2% from the beginning of the year, exceeding RMB 6.20 trillion [11]. Technological Advancements - Ping An's large AI models were utilized 818 million times across over 650 scenarios, enhancing service efficiency and customer experience [19]. - The Group's databases accumulated 30 trillion bytes of data, supporting advanced AI capabilities for precise service delivery [18]. Social Responsibility and Sustainability - Ping An invested nearly RMB 10.80 trillion to support the real economy, with green investments totaling RMB 144,482 million [20][21]. - The Group's operational carbon emissions decreased by 11% YoY, reflecting its commitment to sustainability [21]. Future Outlook - In the second half of 2025, Ping An aims to continue its dual-pronged strategy of integrated finance and health services, focusing on technological advancements and service differentiation to meet customer needs [22].

今日聚焦 1、中国平安：上半年归母营运利润增长3.7% 寿险新业务价值强劲增长39.8% 中国平安公布2025年上半年业绩，整体经营稳健、寿险增长强劲、服务持续创新。上半年，集团实现归 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。中期 现金分红提升至每股0.95元，同比增长2.2%。寿险及健康险业务新业务价值同比大增39.8%。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。 综合金融"三数"均衡增长。截至2025年6月末，公司个人客户数近2.47亿，同比增长4.6%；客均持有合 同2.94个，同比增长0.3%；客均营运利润247.32元，同比增长0.6%。医疗养老战略深入推进。2025年上 半年，享有医疗养老生态圈服务权益的客户覆盖寿险新业务价值占比近七成。打造领先AI能力，持续 优化服务体验。截至2025年6月末，平安大模型调用次数达8.18亿，多元场景应用数超650个，深度赋能 金融主业。 2、北方稀土：上半年净利润同比增长1952% 北方稀土(600111.SH)公告，2025年上半年营业收入188.66亿元，同比 ...

Core Insights - China Ping An reported a 3.7% year-on-year increase in operating profit to RMB 77.732 billion for the first half of 2025, with net profit reaching RMB 68.047 billion [1] - The company plans to distribute an interim cash dividend of RMB 0.95 per share, reflecting a 2.2% increase [1] - New business value in life and health insurance surged by 39.8% year-on-year [1] Financial Performance - The insurance investment portfolio achieved a non-annualized comprehensive investment return of 3.1%, up 0.3 percentage points year-on-year [1] - As of June 30, 2025, the number of individual customers reached approximately 247 million, a 4.6% increase year-on-year [1] - The average number of contracts held per customer increased by 0.3% to 2.94 [1] Business Segments - Life insurance business saw a 17.0% year-on-year growth in new business value through agent channels, with per capita new business value rising by 21.6% [2] - The bancassurance channel experienced a significant increase of 168.6% in new business value, contributing 33.9% to the overall new business value [2] - The 13-month policy continuation rate improved to 96.9%, up 0.3 percentage points year-on-year [2] Healthcare and Elderly Care Services - Over 13 million customers were served by Ping An's health management services in the first half of 2025 [2] - Home care services reached 85 cities, with nearly 210,000 customers qualifying for home care services [2] - Health insurance premium income approached RMB 87 billion, with medical insurance premiums exceeding RMB 41 billion, reflecting a 3.3% year-on-year growth [2] AI and Technology Integration - Ping An's AI model was called upon 818 million times in the first half of 2025, with over 650 applications across various scenarios [4] - The company has a vast database of 30 trillion bytes, leading to high accuracy in AI applications [4] - AI-driven services accounted for 59% of life insurance claims, with AI-assisted sales reaching RMB 661.57 billion [4]

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。 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2025年中期投資者保護工作報告暨 "提質增效重回報"執行情況報告」，僅供參閱。 承董事會命 盛瑞生 公司秘書 中國深圳，2025年8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；獨立非執行董事為伍成業、儲一昀、劉宏、吳 港平、金李及王廣謙。 中国平安保险（集团）股份有限公司 2025 年中期投资者保护工作报告 暨"提质增效重回报"执行情况报告 中国平安保险（集团）股份有限公司（以下简称"公司"） 坚守金融为民初心，践行"以投资者为本"的上市公司发展 理念。为深入落实国务院《关于进一步提高上市公司质量的 意见》要求，积极响应上海证券交易所 ...

马明哲在致辞中直言，2025年是深圳特区建立45周年，也是平安成立37年来危机感最强、战略推进最深 入、服务升级力度最大的一年。 人民财讯8月26日电，8月26日晚，中国平安（601318）公布2025年上半年业绩，实现营业收入5001亿 元，同比增长1%；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，同比下降8.8%。中期现金分红提升至每股0.95元，同比增加2.2%。寿险及健康险业务 新业务价值同比增39.8%；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。 ...

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。 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。 茲載列該公告如下，僅供參考。 承董事會命 盛瑞生 公司秘書 中國深圳，2025 年 8 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；獨立非執行董事為伍成業、儲一昀、劉宏、吳 港平、金李及王廣謙。 2025年中期业绩报告 —韧性凸显，持续创新 2025年8月 有关前瞻性陈述之提示声明 除历史事实陈述外，本演示材料中包括了某些"前瞻性陈述"。所有本公司预计或期待未来可能发生的(包括但不限于)预测、 目标、估计及经营计划都属于前瞻性陈述。某些字词，例如「潜在」、「估计」、「预期」、「预计」、「目的」、「有意」、 「计划」、「相信」、「将」、「可能」、「应该」，以及这些字词的其他组合及类似措辞，均显示相关文字为前瞻性陈述。 前瞻性陈述涉 ...

Core Insights - China Ping An Insurance (Group) Co., Ltd. reported a 3.7% year-on-year increase in operating profit to CNY 77.732 billion for the first half of 2025, while net profit decreased by 8.8% to CNY 68.047 billion [2] - The company emphasized a strong sense of crisis and strategic advancement in its 37th year of establishment, as stated by Chairman Ma Mingzhe [2] Business Segments - The new business value for life and health insurance reached CNY 22.335 billion, a 39.8% increase year-on-year, with a new business value rate of 30.5%, up 9 percentage points [2] - The agent channel saw a 17% year-on-year growth in new business value, with per capita new business value increasing by 21.6% [2] - The bancassurance channel generated CNY 5.972 billion in new business value, a significant increase of 168.6% year-on-year [3] - The property and casualty insurance segment reported a premium income of CNY 171.857 billion, up 7.1%, with operating profit of CNY 10.056 billion, a 1% increase [3] Operational Metrics - As of June 2025, the overall combined cost ratio for property and casualty insurance was 95.2%, improving by 2.6 percentage points year-on-year [3] - The company developed 1,741 products, providing risk coverage of CNY 189 trillion to 1.61 million small and micro enterprises [4] - Ping An Bank reported a net profit of CNY 24.87 billion, down 3.9%, with total revenue of CNY 69.385 billion, down 10% [4] Investment Performance - As of June 2025, the insurance fund investment portfolio exceeded CNY 6.2 trillion, growing by 8.2% since the beginning of the year [4] - The non-annualized comprehensive investment return rate was 3.1%, up 0.3 percentage points year-on-year, attributed to balanced asset allocation and high-dividend equity assets [4] - The average net investment return rate over the past decade was 5.0%, exceeding long-term investment return assumptions [5] Customer Engagement - Nearly 63% of Ping An's 247 million individual customers enjoy services from the medical and elderly care ecosystem, with customers in this segment having 1.5 times more contracts and 4.1 times more assets under management compared to those not in the ecosystem [5] - Ping An Good Doctor generated revenue of CNY 2.502 billion, with adjusted net profit of CNY 165 million [5]

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。 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 根據中國會計準則編制的「中國平安保險（集團）股份有限公司2025年中 期報告」，僅供參閱。 承董事會命 盛瑞生 公司秘書 中國深圳，2025年8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；獨立非執行董事為伍成業、儲一昀、劉宏、吳 港平、金李及王廣謙。 二零二五年中报 目录 关于我们 公司管治 | 重要提示及释义 | 1 | | --- | --- | | 我们是谁 | 3 | | 公司使命 | 4 | | 时代机遇 | 5 | | 公司战略 | 6 | | 经营亮点 | 10 | | 董事长致辞 | 12 | | 财务摘要 | 15 | 经营情况讨论及分析 | 综合金融 ...

新华财经上海8月26日电中国平安最新公布的财报显示，2025年上半年，平安集团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。中期现金分红提升 至每股0.95元，同比增长2.2%。寿险及健康险业务新业务价值同比大增39.8%。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。 财报显示，平安集团综合金融"三数"均衡增长。截至2025年6月末，个人客户数近2.47亿，同比增长 4.6%；客均持有合同2.94个，同比增长0.3%；客均营运利润247.32元，同比增长0.6%。 医疗养老战略深入推进。2025年上半年，平安集团享有医疗养老生态圈服务权益的客户覆盖寿险新业务 价值占比近七成。 平安以海量数据为基础，以科技公司服务技术开发与应用，构建AI护城河。中报显示，截至2025年6月 末，平安大模型调用次数达8.18亿，多元场景应用数超650个，深度赋能金融主业。科技深度赋能金融 主业。2025年上半年，寿险闪赔占比59%；AI坐席服务量约8.82亿次，覆盖80%的客服总量；平安产险 反欺诈智能化理赔拦截减损64.4亿元；AI ...