中国平安(02318) - 2022 - 年度财报

Financial Performance - In 2022, the company achieved an operating profit attributable to shareholders of RMB 148.365 billion, a year-on-year increase of 0.3%[8] - The total revenue for 2022 was RMB 1,221.351 billion, compared to RMB 1,287.675 billion in 2021[7] - The net profit attributable to shareholders of the parent company decreased by 17.6% to RMB 83,774 million from RMB 101,618 million in 2021[72] - The basic earnings per share rose by 1.2% to RMB 8.50, compared to RMB 8.40 in the previous year[72] - The operating return on equity (ROE) reached 17.9% in 2022[8] - The operating return on equity (ROE) decreased to 17.9% from 18.9% in the previous year, reflecting a decline of 1 percentage point[72] - The total operating profit after tax increased by 16.4% to RMB 112,980 million from RMB 97,075 million in the previous year[123] - The net profit for 2022 was RMB 49,346 million, a decrease of 18.2% compared to RMB 60,303 million in 2021[123] Customer Growth and Engagement - The number of individual customers reached approximately 227 million, an increase of 2.1% from the beginning of the year, with 29.7 million new customers added throughout the year[14] - The average number of contracts per individual customer increased to 2.97, reflecting a growth of 2.1% year-on-year[26] - The group’s retail banking customer base grew to 12.308 million, a 4.1% increase from the previous year[22] - The number of individual customers holding contracts with multiple subsidiaries reached approximately 90.2 million[26] - As of December 31, 2022, approximately 64% of the 227 million individual customers used services from the medical health ecosystem, with an average of 3.41 contracts per customer[61] - The average number of contracts per customer using the health ecosystem services was approximately 3.41, which is 1.6 times that of customers not using these services[87] Business Segments Performance - The new business value in the life and health insurance sector was RMB 28.82 billion in 2022, down from RMB 37.898 billion in 2021[7] - The property insurance business reported a premium income of RMB 298.038 billion, reflecting a year-on-year growth of 10.4%[9] - The health insurance premium income was nearly RMB 140 billion, with over 40 million paying users in the health sector[83] - The banking business experienced a robust growth in net profit, reaching RMB 26,380 million, which is a 25.3% increase from RMB 21,060 million in 2021[96] - The asset management business faced a substantial decrease in net profit, falling to RMB 2,292 million, down 81.2% from RMB 12,221 million in 2021[96] Investment and Financing - The company has invested over RMB 2.823 trillion to support the real economy and green financing initiatives[11] - The total scale of green investment and financing projects reached RMB 282.363 billion by the end of December 2022, with green credit balance at RMB 116.420 billion[34] - The scale of green investment and financing reached 282.363 billion RMB, with green insurance premium income amounting to 25.105 billion RMB in 2022[16] - The cumulative scale of Ping An's group investment and financing business reached RMB 1,361.5 billion in 2022[33] Technology and Innovation - As of December 31, 2022, the company held a total of 46,077 technology patent applications, an increase of 7,657 from the beginning of the year[10] - The AI-driven product sales scale grew by 25% year-on-year, with AI service volume accounting for 82% of total customer service interactions[10] - The company has the largest medical database globally, covering 4,000 diseases, and ranks first in digital medical patent applications[86] Customer Service and Experience - The company aims to enhance customer service efficiency by integrating online and offline medical resources, having served nearly 200,000 customers through its health insurance and service products[68] - The company is focusing on wealth management, retirement, and protection markets, optimizing product structures to meet diverse customer needs[129] - The company aims to enhance service efficiency and policy continuation rates through digital and intelligent pre-service for renewal policies[131] Challenges and Strategic Focus - The new business value fell by 24.0% to RMB 28,820 million, down from RMB 37,898 million in the previous year[123] - The average number of agents decreased by 39.6% to 481,000, while the new business value from the agent channel dropped by 26.2% to RMB 22,932 million[103] - The company aims to continue developing a balanced and professional sales channel while expanding its "insurance + service" product offerings[124] - The company is actively expanding its collaboration with external banks to enhance its insurance offerings and customer experience[103]