眾安在線發佈2022財報,總保費同比穩步增長16%,綜合成本率改善至98.5%
格隆匯3月21日丨眾安在線(6060.HK)今日發佈2022年度報吿,全年服務超5億用户,實現總保費人民幣236.51億元,同比增長16.1%。受益於堅持有質量地增長及科技驅動效能提升,公司承保質量持續改善,綜合成本率降至98.5%,承保盈利同比增長約3.4倍至3.29億元。
眾安保險堅持“保險+科技”的戰略,深耕健康、數字生活、消費金融、車險等生態,報吿期內共出具91億張保單,市場份額進一步提升。同時,公司堅定品牌建設投入,2022 年自營渠道的保費收入佔公司總保費的25%,較去年同期增長了7個百分點。
健康生態方面,截至2022年末,眾安保險的健康生態已經累計服務1.09億被保用户,2022年被保用户數近3800萬人。數字生活生態中,公司持續利用科技探索線上生活新場景,推出瞭如寵物險、手機碎屏險、多場景意外險和家財險等創新產品,去年實現總保費88.74億元,同比增長21.7%。
2022年,眾安保險的科技輸出板塊繼續穩健發展,下半年科技收入實現了超過40%的同比增長,全年共簽約全球112家保險產業鏈客户以及18家銀行和券商客户,全年收入達到5.9億元,截至2022年底累計服務超過700家客户,海外佈局已遍佈日本、香港、東南亞和歐洲等各大市場。
銀行板塊方面,公司旗下的眾安銀行作為香港第一家虛擬銀行,截至2022年年底,已有零售用户超65萬,在香港的人口滲透率近10%。存款數達約91億港元,貸款規模達約49億港元,全年實現2.7億港元淨收入,同比翻番。眾安銀行正積極融入粵港澳大灣區建設,為更多用户提供有温度的金融服務。
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