中國人壽(02628.HK)：前三季歸母淨利470.78億元 同比下降18.4%
格隆匯 10 月 28日丨中國人壽(02628.HK)發佈三季度報告，報告期內(1-9月)，實現營業收入人民幣6915.71億元，同比增長10.8%；歸屬於母公司股東的淨利潤為人民幣470.78億元，同比下降18.4%；每股收益(基本與稀釋)1.66元。截至本報告期末，公司核心償付能力充足率和綜合償付能力充足率分別為255.49%和264.51%。
2020年前三季度，面對複雜嚴峻的外部環境，公司緊緊圍繞“重振國壽”戰略部署，按照高質量發展要求，統籌疫情防控和公司業務發展，積極推進各項工作，市場地位保持領先，發展態勢良好。一是業務發展穩中有進。2020年前三季度，公司實現保費收入人民幣5,435.53億元，同比增長9.4%。實現首年期交保費人民幣1,060.49億元，同比增長7.1%；續期保費達人民幣3,686.79億元，同比增長10.1%；短期險保費達人民幣668.82億元，同比增長9.3%。二是業務價值持續增長。本報告期內，公司首年期交保費在長險新單保費中的佔比達98.20%，較2019年同期提高0.13個百分點。十年期及以上首年期交保費為人民幣485.60億元，在首年期交保費中的佔比為45.79%。公司以價值為統領，持續加快保障型業務發展，特定保障型產品保費佔首年期交保費的比重同比提升1個百分點。
本報告期內，新業務價值同比增長2.7%。退保率為0.85%，同比下降0.82個百分點。三是銷售隊伍保持穩定。隨着“一體多元”發展體系調整落地，公司堅持“提質擴量”發展策略，持續加強基礎管理，關注質態提升，穩步推進隊伍高質量發展。截至本報告期末，公司總銷售人力166.2萬人，其中，個險銷售人力158.1萬人，總體保持穩定。四是投資能力不斷提升。截至本報告期末，公司投資資產為人民幣38,804.10億元，較2019年底增長8.5%。公司深化投資管理體系市場化改革，以賬户為維度統籌資產配置與委託管理，以品種研究和策略優化為重點提升投資能力。三季度公司把握利率上行窗口加大長久期利率債配置力度，圍繞市場波動靈活控制公開市場權益品種敞口，優化內部結構，適度兑現收益。2020年前三季度，公司實現總投資收益人民幣1,469.53億元，同比增長9.3%，總投資收益率為5.36%；淨投資收益達人民幣1,227.23億元，同比增長7.7%，淨投資收益率為4.47%。
下一步，公司將繼續圍繞“重振國壽”戰略部署，積極做好2020年收官，科學謀劃部署2021年工作，抓實抓好常態化疫情防控和服務“六穩”“六保”工作，按照高質量發展要求，強化價值創造，深入推進改革創新，築牢風險防控底線，努力推進“重振國壽”再上新台階。
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