新華保險(01336.HK)年度淨利微跌1.8%至142.94億元 末期息1.39元
格隆匯 3 月 24日丨新華保險(01336.HK)公佈截至2020年12月31日止年度業績，公司總收益為人民幣2038.58億元，同比增長18.5%；税前利潤為人民幣154.91億元，同比增長17.2%；歸屬於母公司股東的淨利潤142.94億元，同比減少1.8%，基本每股收益為人民幣4.58元。公司擬向公司全體A股股東及H股股東派發2020年度現金股利每股人民幣1.39元(含税)，總計約人民幣43.36億元。
保險業務
2020年，公司實現總保費收入1,595.11億元，同比增長15.5%，其中，長期險首年保費390.22億元，同比增長53.7%；續期業務實現保費1,129.64億元，同比增長6.8%。截至2020年末，公司內含價值達到2,406.04億元，較上年末增長17.3%；一年新業務價值91.82億元，同比下降6.1%。
個人壽險業務13個月繼續率為89.9%，較2019年基本持平；25個月繼續率為84.9%，較2019年下降1.3個百分點。退保情況改善，全年退保率為1.5%，同比降低0.3個百分點，退保金同比減少5.6%。
疫情影響下，傳統渠道線下展業受阻，以長期年金和重疾險為代表的產品發展承壓。截至2020年12月31日，續期保費佔總保費的比例保持在70.8%的高位，奠定總保費持續增長堅實基礎；長期險首年期交保費佔長期險首年保費的比例為53.6%。險種結構方面，傳統險和分紅險長期險首年保費佔長期險首年保費比例合計73.5%，健康險長期險首年保費佔長期險首年保費比例為26.5%，佔比較上年有所下滑。
資產管理業務
2020年，公司投資組合總投資收益率為5.5%，淨投資收益率為4.6%。債權型金融資產投資方面，投資金額5,671.71億元，在總投資資產中佔比為58.8%，較上年末減少6.8個百分點。公司在積極把握利率階段性機會，從戰略配置角度大力度配置長久期地方債、國債等利率債品種的同時，靈活把握債券交易性機會，波段操作。另外，金融產品的配置繼續圍繞絕對收益目標，線上、線下調研相結合，把防範風險作為工作的重中之重，在風險可控的前提下擇優配置優質資產。
股權型金融資產投資方面，投資金額2,062.90億元，在總投資資產中佔比為21.4%，較上年末增加2.7個百分點。2020年權益市場整體仍以結構性行情為主，分化加劇。公司權益類投資堅持價值投資、長期投資理念，自下而上優選行業和個股，積極把握結構性機會，並圍繞低估值、高股息，持續挖掘港股市場這一價值窪地，不斷增加配置力度。
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