Financial Performance - Total insurance service revenue for 2024 reached RMB 31,744.34 million, a 15.3% increase from RMB 27,521 million in 2023[6]. - Net profit attributable to shareholders for 2024 was RMB 603.46 million, down from RMB 4,077.86 million in 2023, primarily due to a one-time investment gain of RMB 3,784 million recognized in 2023[9]. - Basic earnings per share for 2024 were RMB 0.41, compared to RMB 2.77 in 2023[6]. - The total assets increased to RMB 45,284.58 million in 2024, up from RMB 42,863.61 million in 2023[6]. - The comprehensive solvency adequacy ratio for 2024 was 227%, a decrease from 240% in 2023[6]. - The combined loss ratio for 2024 was 58.3%, with a combined expense ratio of 38.6%, resulting in an underwriting profit of RMB 990 million[26]. - The company’s underwriting combined cost ratio was 96.9%, marking the fourth consecutive year of underwriting profitability, despite a 1.7 percentage point increase compared to the same period in 2023[26]. - The overall net profit for the group was RMB 6.034 billion, significantly influenced by improved performance in the insurance and technology sectors[32]. - The total investment income for the company reached RMB 1.335 billion in 2024, a significant increase of over 85.4% compared to RMB 720 million in 2023[83]. - The net profit for the year ending December 31, 2024, was approximately RMB 603 million, compared to RMB 3.84 billion for the year ending December 31, 2023, which included a one-time investment income of RMB 3.78 billion recognized after a subsidiary was no longer consolidated[111]. Premium Growth - Total premiums for 2024 exceeded RMB 33,417 million, reflecting a 13.3% growth from RMB 29,501 million in 2023[8]. - In 2024, the company achieved total premiums of RMB 33.417 billion, a year-on-year increase of 13.3%, and insurance service revenue of RMB 31.744 billion, up 15.3% year-on-year[26]. - Total premium for the health ecosystem reached RMB 10.338 billion, a year-on-year increase of 5.4%, serving over 130 million users[14]. - Digital lifestyle ecosystem total premium reached RMB 16.197 billion, a year-on-year increase of 28.9%[15]. - Total premium for the automotive ecosystem reached RMB 2.051 billion, a year-on-year increase of 29.8%, with new energy vehicle insurance premiums increasing by approximately 188.4%[15]. - Total premium for critical illness insurance reached approximately RMB 1.96 billion, growing by about 46% year-on-year[39]. - The health insurance flagship product "Zunxiang eSheng" generated total premiums of approximately RMB 4.66 billion, with an average user age of 39[37]. - The total premium for group insurance business reached RMB 637 million in 2024, representing a year-on-year growth of 6%[40]. Technology and Innovation - The core cloud insurance system "Wujieshan" issued 19.732 billion policies, with an automation rate of 99%[18]. - The company aims to embrace AI and promote its widespread application across all business scenarios[18]. - The technology output business achieved total revenue of RMB 0.956 billion, a year-on-year increase of 15.3%[19]. - The AI customer service system achieved an average accuracy rate of 98% in automatic speech recognition and over 90% in semantic recognition[59]. - The claim processing efficiency improved significantly, with the intelligent claim material identification pass rate reaching 90% and the fastest case closure time reduced to 15 seconds[60]. - The company has filed a total of 463 patent applications, including 168 overseas, and has been granted 103 patents, with 37 being overseas patents[55]. - The company is focused on technology output, helping clients in the insurance industry achieve digital transformation through new core insurance systems and digital solutions[62]. Market Position and Strategy - The company ranked eighth in total property insurance premiums in China, improving its position by one place[13]. - The company plans to continue its strategy of "technology-driven finance" to enhance insurance services and support the real economy[11]. - The company is focusing on new economic sectors such as green energy and digital economy, aiming to provide customized insurance solutions[10]. - The company aims to continue its "insurance + technology" dual-engine strategy, focusing on sustainable quality growth and enhancing brand building[88]. - The company plans to deepen its presence in the Hong Kong financial market, leveraging technology to drive fintech innovation and enhance user experience[88]. Risk Management and Governance - The company is focused on compliance and governance, with a dedicated Chief Compliance Officer and a robust board structure to oversee strategic investments[128][135]. - The company has implemented a risk management and internal control system, which has been reviewed for effectiveness as of December 31, 2024[199]. - The board confirmed the effectiveness of the internal control systems as of December 31, 2024[200]. - The company has established four committees to oversee specific aspects of its affairs, including the Audit and Consumer Protection Committee[165]. - The company emphasizes data analysis and risk management, with Yu Yang, an assistant to the general manager, holding a master's degree in artificial intelligence and extensive experience in data analysis[142]. Employee and Board Composition - The company has a strong board with members having diverse backgrounds in finance, law, and management, enhancing its strategic decision-making capabilities[131][135]. - The company has a total audit fee of RMB 11,974,000 and non-audit fees of RMB 4,490,000, bringing the total to RMB 16,464,000 for the year ending December 31, 2024[196]. - The company aims to maintain a minimum of 2 female members on the board, representing 18.18% of the total board composition[183]. - The company has a commitment to fostering female talent and providing long-term development opportunities for female employees[185]. - The gender distribution of employees is 1,005 females (41.96%) and 1,390 males (58.04%), totaling 2,395 employees[185].

Financial Performance - Insurance service revenue for the year ended December 31, 2024, reached RMB 31,744.34 million, a 15.3% increase from RMB 27,521 million in 2023[7] - Net profit attributable to shareholders for 2024 was RMB 603.46 million, a decrease of 85.2% from RMB 4,077.86 million in 2023, primarily due to a one-time investment gain in the previous year[7][10] - Total assets as of December 31, 2024, amounted to RMB 45,284.58 million, up from RMB 42,863.61 million in 2023[7] - The comprehensive solvency adequacy ratio decreased to 227% in 2024 from 240% in 2023, reflecting regulatory changes[7] - The combined underwriting cost ratio for 2024 was 96.9%, an increase of 1.7 percentage points from 95.2% in 2023[9] - Total premium income for 2024 reached RMB 33.417 billion, a year-on-year increase of 13.3%, with a combined underwriting cost ratio of 96.9%, achieving underwriting profitability for the fourth consecutive year[14] - The underwriting combined ratio for 2024 was 96.9%, with a combined loss ratio of 58.3% and a combined expense ratio of 38.6%, resulting in an underwriting profit of RMB 990 million[27] - In 2024, the total premium income from the automotive ecosystem reached RMB 2.051 billion, representing a year-on-year growth of 29.8%, exceeding the industry average growth of 5.4%[50] - The total premium for the health ecosystem is expected to exceed RMB 100 billion by December 2024, ranking the company eighth in the national property insurance industry[23] Technology and Innovation - The company aims to focus on new economic sectors such as low-carbon economy, silver economy, pet economy, digital economy, green energy, and sharing economy[11] - The company continues to innovate in digital insurance solutions, providing comprehensive coverage for cross-border e-commerce ecosystems[11] - Technology output revenue increased by 105.4% to RMB 603 million in 2024 from RMB 294 million in 2023[9] - The technology business generated total revenue of RMB 956 million, reflecting a year-on-year growth of 15.3%, driven by expansion into new sectors such as banking and retail[28] - The company is committed to a "technology-driven" strategy, focusing on providing efficient and inclusive insurance services[12] - The company is focused on digital transformation for the insurance industry through technology output, leveraging its experience and capabilities in insurance technology[66] - The AI customer service system achieved an average accuracy rate of 98% in automatic speech recognition and over 90% in semantic recognition[63] - The intelligent claims processing system improved the material identification pass rate to 90%, with the fastest case closure time reduced to 15 seconds, enhancing customer satisfaction[64] - The company has filed a total of 463 patent applications, including 168 overseas applications, and has been granted 103 patents, with 37 being overseas[59] Market Expansion and User Engagement - The company aims to continue expanding its market presence and enhancing user engagement through innovative technology and service models[13] - The company has developed a product matrix covering over 20 emerging fields, serving more than 1 million small and micro enterprises[11] - The company has served over 125 million users in its health ecosystem as of the end of 2023, along with over 4.65 million pet owners through ecosystem partners[23] - The company launched multiple inclusive insurance products targeting low-income groups, the elderly, and disabled individuals[12] - The company is considering strategic acquisitions to enhance its market position, with potential targets identified in the fintech sector[140] Investment and Financial Strategy - The total investment income from insurance assets rose to RMB 1,335 million in 2024, a significant increase of 85.4% from RMB 720 million in 2023[9] - The total investment return rate and net investment return rate were approximately 3.4% and 2.3%, respectively, both improving from 2023[88] - The company's investment income net amount grew by 41.3% to RMB 349 million in 2024[87] - The total investment assets amount to RMB 39,775.66 million, with fixed income investments comprising 76.6% of the total, up from 75.3% in 2023[90] - The company’s bond investments increased to approximately RMB 21.60 billion in 2024 from RMB 18.44 billion in 2023, with 99.3% rated AA or above[107] Corporate Governance and Management - The company has established a compliance management framework in accordance with regulatory requirements, with Zhang Yongbo serving as the Chief Compliance Officer since November 8, 2013[132] - The company has a strategic and investment decision-making committee that includes key executives such as Jiang Xing and Li Gaofeng[134] - The company emphasizes effective internal control measures and increased transparency in board operations[152] - The board consists of 2 executive directors, 5 non-executive directors, and 4 independent non-executive directors, with independent non-executive directors exceeding one-third of the board[155] - The company has implemented a code of conduct for securities trading by directors, ensuring compliance throughout the reporting period[153] Employee and Director Engagement - Research and development investment reached RMB 846 million in 2024, with 1,077 engineers and technical personnel, making up 45.0% of the total workforce[59] - The company has organized multiple training sessions for directors, with a focus on improving the capabilities of insurance institution executives[197] - The company has established measurable goals for achieving board diversity, which were recommended for adoption by the board[175] - The company has a structured approach to board member contributions and responsibilities, regularly reviewing their commitments[154] - The average monthly call volume for the AI platform reached 50 million, leading the industry in the utilization of mainstream general models[62] Future Outlook - The company provided a positive outlook for the next fiscal year, projecting a revenue growth of 10% to 12%[140] - New product launches are expected to contribute an additional 200 million in revenue over the next year[140] - Market expansion plans include entering two new international markets, aiming for a 5% market share within the first year[140] - The company is investing heavily in technology development, with a budget allocation of 50 million for R&D in the upcoming year[140]

因为公司之前是在比较加力的推那个重疾险嘛然后就还是想请教一下就是重疾险它的一个发展情况然后以及承保盈利的情况怎么样谢谢重疾险我们去年增速还是非常强劲的从我们自己的做的中安中安的这个增享医生的重疾险或者是众名堡的这个重疾险因为 当然科技板块这两年是维持一个非常强劲的增长对我们来说包括国内还有海外的市场其实海外的业务来说的话我们会关注在一些订阅式的这种长期的SaaS的模式然后国内我们会以一些成本计量一些项目的成本为更多一些长期来说的话我们还是希望科技的收入占比会不断的提升 我们看到了特别是保单持有人大家对于额外的这个保额的需求还是有的然后同时我们的一些定价还有我们的一些营销渠道就线上这个私立的营销渠道对用户来说也是非常有价值的包括它的利润性也是从我们退出到现在一直维持在一个比较好的水平 就是公司去年上半年开始就是做那个微信私域运行其实也投入了比较多嘛然后想请教一下这个方面就是现在的进展怎么样然后有没有阶段性的一个成效然后以及就是就是后续这一块的话就是还会不会需要比较大的一个费入费入投入的一个情况私域是我们 不管是从去年开始甚至于下几年我们一直会去持续投入的一个领域因为思域是一个很好的沉淀用户能让我们给用户提供服务 ...

比如说我们的定价精算角度其实是对于数据的需求还是比较大的如果未来能够进一步放开的话我们整体的产品设计可能可以做得更精准然后也会更有指向性能够针对这些非健康品推出一些更有定制化效果的产品我觉得这个可能也是我们健康鞋未来会要重点关注的就是产品创新的一个方向 然后目前的话因为上海市确实是走在比较前沿然后我们也是在跟医保局啊然后跟相关的机构在进行积极的研讨然后内部的话也是在看说明年能够针对这一些特殊的群体推出一些怎么样的更创新的产品然后让大家都能享受到这个更完善的健康前的服务 好的 明白 那现在有没有一些就是关于医保和商保数据共享其实现在有没有一些这个成熟的模式或者已经在运行的模式因为其实我们能观察到就是医保和商保的这样一个共享在上海其实是有两种模式一个是借助中银保信的平台另外一个是其他医院其实也跟保交所这个数据通过保交所这个平台跟保保公司有数据共享 那么我们看有部分公司实际上在封控和支配环节里面已经在部分通过这些共享过来的数据有一些新的上面的业务流程至少在业务流程上有一些新的创新然后想问一下重案目前在这些层面上面有没有一些实践的一些已经在运行的模式对刚刚您提到了这个以保数据共享然后包括产品的支配 其实上海确实是已经 ...

| | | | 管理層討論與分析 | 2 | | --- | --- | | 權益披露 | 28 | | 其他資料 | 31 | | 中期財務資料的審閱報告 | 33 | | 中期簡明合併損益表 | 34 | | 中期簡明合併綜合收益表 | 35 | | 中期簡明合併資產負債表 | 36 | | 中期簡明合併權益變動表 | 37 | | 中期簡明合併現金流量表 | 38 | | 中期簡明合併財務資料附註 | 39 | | 釋義 | 71 | | 專用詞彙 | 74 | | 公司資料 | 75 | 在國際權威財經雜誌《財富》(Fortune)公佈的「2023年中國 500強排行榜」中，眾安保險憑藉長期的技術進取和近年來 的優異業務表現再次上榜，排名提升37名，位列460名。 2 眾安在綫財產保險股份有限公司 / 2024 年中期報告 管理層討論與分析 1 本集團已自2023年1月1日起採納香港財務報告準則第 17號「保險合同」以取代香港財務報告準則第 4號「保險合 同」。本中期報告中，除總保費相關披露外，財務數據均按 照香港財務報告準則第17號「保險合同」口徑披露。 我們的使命 科技驅動金融，做有溫度的保險。 ...

Financial Data and Key Metrics - Total premium income in H1 2024 reached HKD 15.23 billion, a YoY increase of 5.4% [3] - Insurance service revenue under the new accounting standard was HKD 1.588 billion, a YoY increase of 19% [3] - Combined ratio for underwriting was 97.9%, maintaining healthy underwriting profitability [3] - Comprehensive solvency adequacy ratio stood at 224% at the end of H1 2024 [3] - Net income for ZA Bank in H1 2024 was HKD 255 million, a YoY increase of 45.9% [5] Business Line Performance Technology Business - Technology export revenue increased by 55.5% YoY to HKD 4.24 billion, with domestic technology output revenue growing 112.7% YoY to HKD 319 million [4] - Technology segment reduced its loss by HKD 165 million in H1 2024 compared to the same period last year [5] - Total technology export revenue reached RMB 424 million, a YoY increase of 65% [20] Health Ecosystem - Health coverage provided to approximately 12.39 million insured, with total premium reaching RMB 343 million [9] - Outpatient emergent insurance products saw a YoY increase of 321% in total premium, reaching RMB 427 million [10] - Short-term critical illness product achieved steady growth with total written premium exceeding RMB 800 million [11] Digital Life Ecosystem - Total premium reached RMB 7.47 billion, driven by pet insurance, scenario-based accident insurance, and household insurance [12] - Pet insurance achieved over 2.8x premium growth, with 1.46 million new pet owner users in H1 2024 [13] Consumer Finance Ecosystem - Insured loans balance decreased by 15% YoY to RMB 23.1 billion, focusing on small, dispersed, and short-term Internet consumer finance assets [15] Automotive Ecosystem - Total written premiums for new energy vehicles increased by 215% YoY, accounting for over 10% of total auto insurance premiums [16] Market Performance - ZA Bank's total assets increased by 43.2% to HKD 20 billion, with deposit balance growing 43.1% to HKD 16.8 billion [25] - Net interest margin improved to 2.21% from 1.87% due to interest rate hikes and enriched loan products [25] Company Strategy and Industry Competition - The company is committed to empowering finance with technology and providing innovative, inclusive, and diverse insurance products [6] - Focused on developing small, diversified, and convenient inclusive insurance products tailored to Internet scenarios [6] - Leveraging AI and big data to enhance operational efficiency and user experience across various ecosystems [18][19] Management Commentary on Operating Environment and Future Outlook - The company remains committed to high-quality development of inclusive finance and stabilizing society through innovative insurance products [6] - Management emphasized the importance of user-centric strategies and improving user experience for long-term sustainable growth [35] - The company is confident in achieving profitability for ZA Bank and continuing to drive digital transformation in the insurance industry [27][34] Other Important Information - The company received credit ratings of Baa1 from Moody's and A- from A.M. Best [4] - ZA Tech completed a USD 35 million Series A financing, attracting global institutional investors [24] Q&A Session Summary Question 1: Investment Performance and Health Insurance Revenue - The company attributed the slight decrease in investment revenue to adjustments in portfolio strategies and focus on fixed income assets [42] - Health insurance revenue growth was driven by product innovation, including medium to high-end health insurance and inclusive products like Zhong Min Bao [37][38] Question 2: Growth Opportunities and Credit Insurance - Future growth opportunities include auto insurance, digital lifestyle ecosystem, and health ecosystem, with a focus on innovative products like pet insurance [46][47] - The company is cautiously managing credit insurance, focusing on stringent risk controls and optimizing user parameters [50][51] Question 3: Interest Rate Impact and Technology Segment Growth - Lower interest rates are expected to positively impact ZA Bank's loan demand and investment yield, while squeezing net interest margins [55] - The technology segment is expected to continue rapid growth, driven by high gross margin products and efficiency improvements from AI and big data [57] Question 4: Premium Growth Slowdown and Debt Management - The slowdown in premium growth was due to strategic adjustments in consumer finance and user acquisition strategies [59] - The company has a stable cash flow and is actively managing its USD 1 billion bond obligations, with plans for refinancing if necessary [60]

Financial Performance - In the first half of 2024, the company achieved total premiums of RMB 15.238 billion, issuing 9.133 billion policies, with insurance service revenue of RMB 15.088 billion, representing a year-on-year growth of 19.0%[12]. - The net profit attributable to the parent company shareholders for the first half of 2024 was RMB 55,467 thousand, a decrease of RMB 166,000 thousand from RMB 221,471 thousand in the same period last year[21]. - Total revenue for the first half of 2024 reached approximately RMB 16.04 billion, reflecting a year-on-year growth of 12.7%[75]. - The company reported a total comprehensive income of RMB 163,231 thousand for the first half of 2024, compared to RMB 207,565 thousand in the same period of 2023, a decline of about 21.4%[142]. - The company’s insurance service performance showed a profit of RMB 346,486 thousand for the first half of 2024, down from RMB 581,241 thousand in the same period of 2023[159]. Underwriting and Loss Ratios - The company's underwriting combined cost ratio was 97.9%, with a combined loss ratio of 60.7% and a combined expense ratio of 37.2%, resulting in an underwriting profit of RMB 314 million[13]. - The underwriting profit was impacted by a 3.6 percentage point increase in the combined loss ratio compared to the same period last year[13]. - The combined loss ratio for the health segment increased to 95.7% in 2024 from 92.5% in 2023, indicating a rise in underwriting costs[24]. - The overall combined loss ratio for the consumer finance segment increased to 99.1% in 2024 from 90.7% in 2023, indicating challenges in underwriting profitability[24]. Technology and Innovation - The company aims to leverage its technology capabilities to support the digital transformation of the insurance industry globally[11]. - The technology output business segment generated total revenue of RMB 442 million, a year-on-year increase of 65.5%, with domestic technology output revenue reaching RMB 319 million, growing by 112.7%[13]. - The company focuses on technology output in artificial intelligence, big data, and cloud computing, providing digital transformation solutions for clients in the insurance industry[50]. - The new generation core system "Wujieshan Mate" has empowered multiple insurance companies, improving operational efficiency and service capabilities[54]. Investment and Financial Assets - The total amount of domestic insurance fund investment assets reached approximately RMB 37.698 billion as of June 30, 2024, with fixed income investments accounting for 75.4%[70]. - Total investment income for the first half of 2024 was RMB 620 million, down from RMB 723 million in the same period of 2023, representing a decrease of approximately 14.3%[72]. - The annualized total investment return rate decreased to 3.3% in the first half of 2024 from 4.0% in the same period of 2023[72]. - The company’s bond investments were approximately RMB 18.53 billion as of June 30, 2024, with 99.2% rated AA or above[91]. Customer Segments and Product Offerings - The strategic focus includes expanding into new customer segments in finance, retail, and manufacturing, enhancing business growth and operational efficiency[13]. - The total premium for the health ecosystem segment was RMB 4,538,314 thousand, a decrease of 9.6% from RMB 5,017,983 thousand in the previous year[21][24]. - The total premium for the automotive segment increased by 34.0% to RMB 1,101,927 thousand compared to RMB 822,491 thousand in the previous year[21][24]. - The company expanded its product matrix to include over 100 dedicated products for chronic diseases and 35 products specifically for women[26]. Operational Efficiency - The company maintained a solvency ratio of 224%, indicating strong capital adequacy[14]. - The self-operated channel generated total premiums of RMB 3.162 billion, accounting for 20.8% of total premiums, with renewal premium contribution reaching approximately 82.2%[45]. - The average number of policies per paying user in the self-operated channel reached 1.6, with a customer renewal rate improving by 3.2 percentage points to 90.5%[45]. - The online reporting ratio for health insurance reached 99%, with a claims submission completeness rate of 88% using smart camera materials[48]. Market Recognition and Growth - The company ranked 460th in the "2023 China Top 500" list, improving by 37 places due to technological advancements and strong business performance[13]. - ZA Bank reported net income of HKD 725.5 million, a year-on-year increase of 45.9%, while the net loss ratio narrowed by 71.7 percentage points to 42.9%[14]. - ZA Bank became the first digital bank in Hong Kong to receive the "Rising Star" award from Euromoney, recognizing its innovative financial solutions[65]. Challenges and Risks - The company faces foreign exchange risks due to operations in multiple currencies, including HKD, USD, JPY, SGD, and EUR[111]. - The company has no significant contingent liabilities as of June 30, 2024[112]. - The company has not been involved in any significant litigation or arbitration as of June 30, 2024[131]. Corporate Governance - The company has adopted a corporate governance code as a benchmark for its corporate governance practices, ensuring compliance with applicable rules throughout the reporting period[122]. - The audit and consumer rights protection committee has reviewed the group's interim report for the six months ending June 30, 2024, and discussed accounting policies and internal controls with senior management and external auditors[124]. - The company has established various committees, including the nomination and remuneration committee, strategic and investment decision committee, and risk management and related party transaction control committee[125].

参会人员务必注意本次电话会议交流内容仅限参会人员内部参考任何机构或个人不得以任何形式对电话会议任何内容进行泄露或外发请勿以任何方式索要、泄露、散布、转发电话会议纪要任何泄露电话会议纪要等信息的行为均为侵权行为申望洪源研究保留追究泄露转发者法律责任的权利 各位投资者下午好首先非常感谢各位投资者能够参加本次我们与中安在线的交流会议也感谢中安在线的领导对时报红员飞云的支持我们看到了其实当前这个时间也非常巧昨天在这个陆家嘴经文论坛上经管局局长李云泽也提到了 保险机构需要加快数字化转型,提升经营管理的效率。我们今天就非常荣幸地邀请到了咱们互联网保险的龙头,也是整个保险板块内保险家科技的核心交地中央带线进行交流,然后本次交流是包括两个部分,第一个部分就是我们根据之前跟同事们交流下来, 梳理总结出来大家比较关注的核心问题向中央线下这边的领导去做请教然后第二个部分进入到自由问答环节周总您看咱们现在开始可以吗可以 首先就是我先抛砖引玉问一个大家可能会比较关注也比较直白的问题就是我们看到现在的时间节点进入到6月下旬然后您看能不能介绍一下公司在上半年业务的整体表现那么对于今年上半年利润表现是有什么样的预期 今年上半年整体的情况是符 ...

参会人员务必注意本次电话会议交流内容仅限参会人员内部参考任何机构或个人不得以任何形式对电话会议任何内容进行泄露或外发请勿以任何方式索要、泄露、散布、转发电话会议纪要任何泄露电话会议纪要等信息的行为均为侵权行为声望洪源研究保留追究泄露转发者法律责任的权利 各位投资者下午好首先非常感谢各位投资者能够参加本次我们与中央在线的交流会议也感谢中央在线的领导对世贸宏园非营的支持我们看到了其实当前这个时间也非常巧昨天在这个陆家嘴金融论坛上金管局局长李云泽也提到了 保险机构需要加快数字化转型提升经营管理的效率我们今天就非常荣幸的邀请到了咱们互联网保险的龙头也是整个保险板块内保险加科技的核心交地中央带线进行交流然后本次交流是包括两个部分第一个部分就是我们根据之前跟投资者交流下来 梳理总结出来大家比较关注的核心问题向中央线下这边的领导去做请教然后第二个部分进入到自由问答环节周总您看咱们现在开始可以吗可以 首先我先抛砖引玉问一个大家可能会比较关注也比较直白的问题就是我们看到现在的时间节点进入到6月下旬了然后您看能不能介绍一下公司在上半年业务的整体表现那么对于今年上半年利润表现是有什么样的预期? 今年上半年整体的情况是符合管理层在年 ...

参会人员务必注意本次电话会议交流内容仅限参会人员内部参考任何机构或个人不得以任何形式对电话会议任何内容进行泄露或外发请勿以任何方式索要、泄露、散布、转发电话会议纪要任何泄露电话会议纪要等信息的行为均为侵权行为申望洪源研究保留追究泄露转发者法律责任的权利 各位投资者下午好首先非常感谢各位投资者能够参加本次我们与中央在线的交流会议也感谢中央在线的领导对时报红员飞银的支持我们看到了其实当前这个时间也非常巧昨天在这个陆家嘴金融论坛上金管局局长李云泽也提到了 保险机构需要加快数字化转型提升经营管理的效率我们今天就非常荣幸的邀请到了咱们互联网保险的龙头也是整个保险板块内保险加科技的核心交地中央带线进行交流然后本次交流是包括两个部分第一个部分就是我们根据之前跟投资者交流下来 梳理总结出来大家比较关注的核心问题向中央线下这边的领导去做请教然后第二个部分进入到自由问答环节周总您看咱们现在开始可以吗可以 好的 感谢周董首先就是我先抛砖引玉问一个大家可能会比较关注也比较直白的问题就是我们看到现在的时间节点进入到6月下旬了然后您看能不能介绍一下公司在上半年业务的整体表现那么对于今年上半年利润表现是有什么样的预期 谢谢 今年上半年整体 ...