中國平安(02318.HK)2024年度淨利潤1266.07億元 壽險及健康險新業務價值同比增長28.8%
格隆匯3月19日丨中國平安(02318.HK)發佈2024年度業績，公司營業收入11,413.46億元，同比增長10.6%。歸屬於母公司股東的淨利潤1,266.07億元，同比增長47.8%。擬派發2024年末期股息每股現金人民幣1.62元；全年股息每股現金人民幣2.55元，同比增長5%；基於歸母營運利潤計算的現金分紅比例爲37.9%。
壽險及健康險業務經營穩健發展，渠道綜合實力增強，高質量發展效果顯現。壽險及健康險業務新業務價值同比增長28.8%；13個月整體保單繼續率同比上升3.6個百分點；代理人渠道新業務價值同比增長26.5%；銀保渠道新業務價值同比增長62.7%；平安壽險個人壽險銷售代理人數量36.3萬，人力規模連續三個季度企穩回升。
財產保險服務收入穩健增長，品質保持良好。保險服務收入3,281.46億元，同比增長4.7%；淨利潤150.21億元，同比增長67.7%；整體綜合成本率98.3%，同比優化2.3個百分點;車險綜合成本率98.1%，持續優於市場平均水平;連續14年榮獲工信部中國車險「第一品牌」，消費者權益保護獲評行業最高評級。
保險資金投資業績優良，綜合投資收益率5.8%，同比上升2.2個百分點；壽險及健康險業務綜合投資收益率6.0%，同比上升2.4個百分點；近10年平均淨投資收益率5.0%；近10年平均綜合投資收益率5.1%。
綜合金融模式構築核心競爭壁壘，持續提升客戶經營效率。個人客戶數2.42億，較年初增長4.7%；持有集團內4個及以上合同的客戶佔比爲25.6%，留存率達98.0%；服務時間5年及以上客戶佔比爲72.2%，留存率爲94.7%。
醫療養老戰略持續落地，差異化優勢賦能主業。百強醫院和三甲醫院合作覆蓋率100%；享有醫療養老生態圈服務權益的客戶覆蓋壽險新業務價值佔比約70%；居家養老服務全面形成「醫、護、住、樂」聯體模式，高品質康養社區項目已在5個城市啓動；北大醫療集團經營大幅改善，發展持續向好。
履行社會責任，服務綠色發展、鄉村振興。支持實體經濟發展累計投入近10.14萬億元；保險資金綠色投資規模1,247.12億元；綠色貸款餘額1,577.62億元；綠色保險原保險保費收入586.08億元；提供鄉村產業幫扶資金520.14億元；MSCIESG評級提升至AA級，位列「綜合保險及經紀」亞太區第一。
此外，自研垂直AI大模型，加速賦能生態應用。過去十年圍繞「綜合金融+醫療養老」戰略，平安在人工智能、大數據領域進行深度探索和廣泛實踐，通過自研金融、醫養垂直領域大模型，深化行業應用、重構產業生態。需求導向開發，公司搭建了三層大模型體系，支持語音大模型、語言大模型、視覺大模型等，場景準確率行業領先；打破數據壁壘，打造三大金融數據庫、五大醫療數據庫，包含30萬億字節數據，成爲全球最大金融、醫療數據庫之一；深挖業務場景，廣泛應用、服務於全集團85個大模型場景，加速推進生態圈建設。
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