来源：上海证券报·中国证券网 上证报中国证券网讯（记者 何奎）中国平安26日在港交所发布公告称，2025年上半年该公司实现归属 于母公司股东的营运利润约777.32亿元，同比增长3.7%；归属于母公司股东的净利润约680.47亿元，同 比下降8.8%。 ...

投资方面，上半年中国平安保险资金非年化综合投资收益率3.1%，同比上升0.3个百分点；近10年平均 净投资收益率5.0%；近10年平均综合投资收益率5.1%。 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。 ...

Core Insights - China Ping An Insurance (Group) Co., Ltd. reported significant advancements in its healthcare and elderly care strategy, with nearly 70% of new life insurance business value attributed to clients enjoying healthcare and elderly care ecosystem services [1] - The company achieved health insurance premium income of approximately 87 billion yuan, with medical insurance premium income exceeding 41 billion yuan, reflecting a year-on-year growth of 3.3% [1] - As of June 30, 2025, clients with healthcare and elderly care ecosystem service rights had an average of 3.37 contracts and an average AUM of approximately 61,400 yuan, which are 1.5 times and 4.1 times higher than those without such rights, respectively [1] Healthcare and Elderly Care Strategy - The company is enhancing its flagship internet medical platform and self-operated medical institutions, aiming to provide comprehensive services across various channels including online, in-store, at home, and at enterprises [1] - Ping An Good Doctor reported a revenue of 2.502 billion yuan and a net profit of 134 million yuan in the first half of the year [1] - The AI medical product matrix launched by Ping An Good Doctor covers over 10,000 diseases with a diagnostic accuracy rate of 93% [1] Collaboration and Network - The Beijing University Medical Group generated over 2.66 billion yuan in revenue in the first half of the year, with the Beijing University International Hospital contributing nearly 1.26 billion yuan [1] - The company has established a network of approximately 50,000 internal and external doctors, achieving 100% cooperation coverage with top 100 hospitals and tier-three hospitals in China [1]

(I) 分派中期股息及暫停辦理股份過戶登記手續 及 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。 (II) 可轉換債券轉換價調整 I. 分派中期股息 於2025年8月26日，中國平安保險（集團）股份有限公司（「本公司」）董事會 （「董事會」）決議向本公司股東（「股東」）派發每股現金人民幣0.95元（含稅） 的截至2025年6月30日止半年度的中期股息（「中期股息」）。 根據本公司之公司章程，本公司股東會授權董事會可分配中期股息，中期股息以人 民幣計算和宣派。本公司A股（「A股」）中期股息將以人民幣支付，本公司H股 （「H股」）（不包含港股通，其股息將以人民幣派發，具體由中國證券登記結算 有限責任公司作為港股通投資者名義持有人接收後通過其登記結算系統將股息發放 至港股通投資者）中期股息將提供幣種選擇，H股持有人（「H股股東」）有權選 擇全部以人民幣（惟非部分，惟香港中央結算（代理人）有限公司除外，其可選擇 以人民幣收取其部分權益）收取H股中期股息， ...

(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。 ...