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眾安保險2020年上半年歸母淨利潤同比增長4.2倍,創歷史新高
格隆匯 08-26 16:48

8月26日,國內首家互聯網保險公司眾安在線財產保險股份有限公司(06060.HK,以下稱眾安保險)發佈2020年中期業績報告。2020年上半年,眾安保險堅持有質量地增長,在健康及生活消費生態高增長的驅動下實現總保費人民幣67.665億元,同比增長14.7%,上半年保險板塊實現盈利人民幣6.221億元,較去年同期上升94.6%,公司整體實現歸母淨利潤人民幣4.905億元,較2019年同期上升418.8%。

2020年上半年,在新冠疫情衝擊及多變的全球宏觀環境下,受益於業務結構優化和各生態承保質量的提升,眾安保險承保業務經營指標得以顯著改善。據業績報告,上半年綜合成本率為103.5%,同比改善4.8個百分點,同時投資業務實現3.6%非年化的總投資收益率。

疫情加速了用户健康保障意識的提升,憑藉線上化佈局的先發優勢及良好的用户體驗,眾安保險有效把握了市場機遇。作為眾安保險最核心的生態之一,健康生態表現亮眼,實現總保費人民幣30.492億元,較去年同期增長115.6%,總保費佔比上升至45.1%。另外電商行業也在疫情期間實現了快速發展,帶動生活消費生態總保費同比增長40.4%。

科技賦能自有平台,有效提升了業務長期價值,業績報告顯示,2020年上半年,眾安保險繼續利用自身科技實力和互聯網運營能力,持續鞏固自有平台的營銷、獲客及服務能力,自有平台的總保費達到人民幣10.487億元,同比增長約8.1倍。

同時,科技業務緊抓發展機遇乘勢而上,2020年上半年實現科技輸出收入人民幣1.199億元,同比增長26.2%。而科技輸出業務的保險行業客户的次年復購率達80%,彰顯客户對本公司科技能力的認可。

旗下的ZA Bank作為唯一一家參與香港政府現金髮放計劃的虛擬銀行,自今年3月24日正式營業,截至2020年6月30日,ZA Bank總共已吸取存款超過24億港幣,用户年齡層橫跨18至93歲。

“保險+科技”雙引擎驅動下,推進科技與保險全流程的深度融合。眾安保險CEO姜興表示,2020年下半年,眾安會繼續堅持有質量地增長,持續優化承保質量、經營效率和用户體驗。用科技賦能保險價值鏈,以生態系統為導向,來滿足用户多元化的保障需求,並助力行業的參與者實現數字化轉型。

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