中国财险(02328.HK)实现年度税前利润246.76亿元 拟每股派0.375元
格隆汇 3 月 23日丨中国财险(02328.HK)公布，2020年公司实现原保险保费收入4,320.19亿元，同比实现正增长，市场份额保持行业首位；承保利润同比增长31.5%，净利润超额完成董事会下达的预算目标，ROE达11.6%。在经济下行压力加大背景下，全年向股东派发股息每股现金0.375元。
2020年，面对疫情冲击和车险综合改革的挑战，公司及子公司攻坚克难，积极打造线上零接触服务模式，主动进行业务结构调整，全力化解和防范业务风险，实现总保费收入4,331.87亿元人民币，同比实现正增长。其中，在车险市场全面降费、公司因疫情减免保费的背景下，机动车辆险实现总保费收入2,656.51亿元人民币，同比增长1.0%；非车险主动优化业务结构，剔除高风险和长期亏损业务，实现总保费收入1,675.36亿元人民币，剔除信用保证险业务後，非车险总保费收入同比增长10.0%。市场份额为中国财产保险市场的31.8%，继续保持行业首位。
2020年，公司及子公司坚持效益第一和高质量发展，实现除税前利润246.76亿元人民币，同比增长3.8%。其中，保险业务实现承保利润41.77亿元人民币，同比增长31.5%；综合成本率98.9%，同比下降0.3个百分点，经营效益稳中有升。净利润208.68亿元人民币，净资产收益率11.6%。剔除2019年手续费税收政策变化的影响后，净利润同比增长4.1%。资产总额6,468.01亿元人民币，净资产1,900.31亿元人民币，分别较年初增加507.20亿元人民币和200.77亿元人民币。综合偿付能力充足率289%，较年初增长7个百分点。由于突出的行业地位和持续提升的综合实力，穆迪投资者服务公司对本公司的保险财务实力评级继续保持中国内地最高评级A1级。
2020年，公司及子公司加速客户线上化，加快数字化建设，强化科技在风险管理中的应用，线上化、数字化水平明显提高。2020年末，家庭自用车客户线上化率89.0%，较去年底提升29.5个百分点；家庭自用车理赔线上化率93.2%，较去年底提高26.5个百分点。"中国人保"APP累计服务5,300余万人，"人保e通"实现保费收入647.5亿元人民币。智能机器人、声纹识别等技术加速投入使用，"人工+自助+机器人"三合一线上服务体系初步构建。"车险管家"、理赔"七大平台"等管理新工具加快应用，业务核心系统加速重构，自主可控的技术体系逐步建立，数字化转型取得新成效。
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