你在银行买保险了吗？10家银行系险企半年狂揽3200亿保险业务收入

Core Insights - The article highlights the performance of bank-affiliated insurance companies in the first half of 2025, showing significant growth in both insurance business income and net profit, driven by the support from their banking shareholders and the transformation of the bancassurance channel [2][3]. Financial Performance - In the first half of 2025, the ten bank-affiliated insurance companies collectively achieved insurance business income of 320.02 billion yuan, a year-on-year increase of 12.38% [2]. - The net profit for these companies reached 9.62 billion yuan, marking a substantial year-on-year growth of 90.51% [2]. - Among these, Postal Insurance led with an income of 118.07 billion yuan, the only company surpassing the 100 billion yuan mark [8]. Solvency Indicators - The solvency ratios of these companies show a positive trend, with an average core solvency ratio of 143.09% and an average comprehensive solvency ratio of 206.97% as of the end of the second quarter of 2025 [6][7]. - The highest core solvency ratio was reported by Zhonghe Life at 197%, while the lowest was by Jianxin Life at 120% [6]. Risk Ratings - Six bank-affiliated insurance companies maintained a comprehensive risk rating of AA or above, with ICBC Ansheng rated AAA, while others like Postal Insurance and Jianxin Life were rated BB [6]. Changes in Business Income - The competition among bank-affiliated insurers for business income has intensified, with Jianxin Life surpassing ICBC Ansheng to claim the second position with an income of 33.8 billion yuan [9]. - Notably, Zhonghe Life experienced a remarkable year-on-year growth of 36.48%, reaching 12.72 billion yuan in insurance business income [9]. Net Profit Variations - Zhongyin Samsung Life was the only company to report a loss of 543 million yuan in the first half of 2025 [10]. - Postal Insurance led in net profit among bank-affiliated insurers with 5.18 billion yuan, while other companies like ICBC Ansheng and CITIC Prudential also reported profits exceeding 1 billion yuan [10]. Accounting Standards Impact - The transition to new accounting standards has caused fluctuations in key financial metrics, particularly net profit and net assets, but does not necessarily indicate a deterioration in operational performance [13]. - Seven of the ten bank-affiliated insurers reported an increase in net assets compared to the previous year, with notable stability in those that switched to new accounting standards [13].