中国平安第三季度归母净利润同比大增45.4%

Core Viewpoint - China Ping An Insurance (Group) Co., Ltd. reported strong operational growth for the first three quarters of 2025, with a focus on comprehensive financial services and a dual strategy of "comprehensive finance + healthcare and elderly care" driven by technology [1][2]. Financial Performance - For the first three quarters of 2025, the operating profit attributable to shareholders reached 116.26 billion yuan, a year-on-year increase of 7.2%, with a significant growth of 15.2% in the third quarter [1]. - The net profit attributable to shareholders was 132.86 billion yuan, up 11.5% year-on-year, with a remarkable 45.4% increase in the third quarter [1]. - The group's total revenue for the first three quarters was 832.94 billion yuan, reflecting a 7.4% year-on-year growth [2]. Business Segments - The new business value of life and health insurance surged by 46.2% to 35.72 billion yuan, with the agency channel's new business value increasing by 29.9% [3]. - The bancassurance channel saw a staggering 170.9% growth in new business value [2][3]. - Property insurance premium income reached 256.25 billion yuan, a 7.1% increase, with a comprehensive cost ratio of 97.0%, improving by 0.8 percentage points [5]. Investment Performance - The investment portfolio achieved a non-annualized comprehensive investment return of 5.4%, up 1.0 percentage points year-on-year, with a net investment return of 2.8% [6]. - The total size of the investment portfolio exceeded 6.41 trillion yuan, growing by 11.9% since the beginning of the year [6]. Customer Engagement - The number of personal customers reached nearly 250 million, with a 2.9% increase since the beginning of the year [7]. - The average number of contracts held per customer rose to 2.94, reflecting a 0.7% increase [7]. Healthcare and Elderly Care Strategy - The health insurance premium income approached 127 billion yuan, with medical insurance premium income near 58.8 billion yuan, marking a 2.6% year-on-year growth [8]. - The company has served over 16 million customers in health management services [9]. Technological Advancements - The company is leveraging AI capabilities to enhance customer experience, risk control, and operational efficiency, achieving significant automation in claims processing [10][11]. - AI-driven initiatives have supported sales of approximately 99.07 billion yuan in the first three quarters [11]. Social Responsibility - The company reported green insurance premium income of 55.28 billion yuan and provided 47.39 billion yuan in rural industry support through its "Three Villages Project" [12].