中國財險(02328.HK)實現年度税前利潤246.76億元 擬每股派0.375元
格隆匯 3 月 23日丨中國財險(02328.HK)公佈，2020年公司實現原保險保費收入4,320.19億元，同比實現正增長，市場份額保持行業首位；承保利潤同比增長31.5%，淨利潤超額完成董事會下達的預算目標，ROE達11.6%。在經濟下行壓力加大背景下，全年向股東派發股息每股現金0.375元。
2020年，面對疫情衝擊和車險綜合改革的挑戰，公司及子公司攻堅克難，積極打造線上零接觸服務模式，主動進行業務結構調整，全力化解和防範業務風險，實現總保費收入4,331.87億元人民幣，同比實現正增長。其中，在車險市場全面降費、公司因疫情減免保費的背景下，機動車輛險實現總保費收入2,656.51億元人民幣，同比增長1.0%；非車險主動優化業務結構，剔除高風險和長期虧損業務，實現總保費收入1,675.36億元人民幣，剔除信用保證險業務後，非車險總保費收入同比增長10.0%。市場份額為中國財產保險市場的31.8%，繼續保持行業首位。
2020年，公司及子公司堅持效益第一和高質量發展，實現除税前利潤246.76億元人民幣，同比增長3.8%。其中，保險業務實現承保利潤41.77億元人民幣，同比增長31.5%；綜合成本率98.9%，同比下降0.3個百分點，經營效益穩中有升。淨利潤208.68億元人民幣，淨資產收益率11.6%。剔除2019年手續費税收政策變化的影響後，淨利潤同比增長4.1%。資產總額6,468.01億元人民幣，淨資產1,900.31億元人民幣，分別較年初增加507.20億元人民幣和200.77億元人民幣。綜合償付能力充足率289%，較年初增長7個百分點。由於突出的行業地位和持續提升的綜合實力，穆迪投資者服務公司對本公司的保險財務實力評級繼續保持中國內地最高評級A1級。
2020年，公司及子公司加速客户線上化，加快數字化建設，強化科技在風險管理中的應用，線上化、數字化水平明顯提高。2020年末，家庭自用車客户線上化率89.0%，較去年底提升29.5個百分點；家庭自用車理賠線上化率93.2%，較去年底提高26.5個百分點。"中國人保"APP累計服務5,300餘萬人，"人保e通"實現保費收入647.5億元人民幣。智能機器人、聲紋識別等技術加速投入使用，"人工+自助+機器人"三合一線上服務體系初步構建。"車險管家"、理賠"七大平台"等管理新工具加快應用，業務核心系統加速重構，自主可控的技術體系逐步建立，數字化轉型取得新成效。
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