Core Insights - Sunshine Insurance (06963) reported a net profit attributable to shareholders of RMB 5.45 billion, representing a year-on-year increase of 45.8% [1] - The total premium income for the year reached RMB 128.38 billion, an 8.0% increase compared to the previous year [1] - The company emphasized customer engagement and core capability development, alongside technological transformation [2] Financial Performance - The insurance service revenue amounted to RMB 64.0 billion, up 6.9% year-on-year [1] - The embedded value of the group was RMB 115.76 billion, reflecting an 11.2% growth from the previous year [1] - The total investment return rate was 4.3%, while the comprehensive investment return rate stood at 6.5% [1] Business Development - Sunshine Life achieved new single premium income of RMB 20.37 billion, a 12.6% increase year-on-year, with new business value rising by 43.3% to RMB 5.15 billion [1] - Sunshine Property & Casualty Insurance reported original insurance premium income of RMB 47.82 billion, an 8.1% increase, with a combined underwriting cost ratio of 99.7% [1] - The asset management scale of Sunshine Asset Management reached RMB 744.61 billion, with equity asset returns significantly outperforming the market [1] Customer Engagement and Product Development - The company implemented a "Four Characteristics" customer service principle, enhancing service mechanisms and optimizing service supply [2] - Sunshine Life launched nearly 100 new products, including critical illness insurance for children and maternity medical insurance, significantly increasing the number of high-net-worth clients [2] - The effective customer base reached approximately 30.19 million by the end of 2024 [2] Core Capability and Technological Transformation - The company focused on solidifying core capabilities, with a differentiated model in individual insurance leading to a 33.1% increase in new business value and a 21.9% rise in per capita productivity [3] - Sunshine Property & Casualty Insurance enhanced risk pricing and resource allocation capabilities, with a 5.4% growth in home vehicle insurance premiums [3] - The establishment of Sunshine Digital Technology aimed to drive technological transformation, leveraging artificial intelligence to upgrade sales, service, and management [3]
阳光保险(06963)发布年度业绩 归母净利润54.5亿元 同比增长45.8% 客户经营、核心能力建设与科技转型多点开花