You are browsing the Hong Kong website, Regulated by Hong Kong SFC (CE number: BJA907). Investment is risky and you must be cautious when entering the market.
衆安在線(06060.HK)2024年業績亮眼:AI應用持續落地,淨利潤6.03億增長105.4%
格隆匯 03-19 17:07

"保險+科技"雙引擎戰略驅動,堅持有質量地增長。3月19日,衆安在線(6060.HK)發佈2024年全年業績報告(下稱"報告")。截止2024年12月31日,衆安在線實現總保費人民幣(下同)334.17億元,同比增長13.37%,綜合成本率96.9%,連續四年保持承保盈利。按總保費計,衆安在線在國內財險行業的排名提升至第八名,市場份額進一步提升。2024 年公司投資收益提升,且科技和銀行業務盈虧逐漸平衡,公司淨利潤達6.03億,較2023年經調整後淨利潤提升105.4%。

AI賦能各業務場景,盈利能力持續提升

報告期內,衆安各核心生態業務穩健增長。2024年,衆安在線數字生活生態總保費達161.97億元,同比增長28.9%;健康生態在報告期內實現總保費107.38億元,同比增長5.42%;汽車生態實現總保費收入20.51億元,同比增長29.8%。消費金融生態,實現總保費48.32億元,持續承保盈利。

AI賦能對衆安在線的各生態業務均有顯著體現。AI應用於健康險理賠端,覆蓋理賠申請、進度查詢、材料提交等七大關鍵場景,意健險理賠材料智能識別通過率提升至90%,最快15秒即可完成結案。在數字生活生態中,公司還利用AI技術提升生態客服質效,寵物險業務實現7x24實時寵物健康管理服務,2024年寵物險服務次數累計實現超153萬次,較去年同期增長2.6倍。汽車生態方面,公司在視頻理賠申報服務中引入AI技術,提升服務效率,視頻報案平均僅用時100秒即可達成。

AI應用持續加速落地,重塑保險價值鏈

業務增長的背後,衆安在線對AI技術應用持續加速落地。

報告期內,公司搭建的AI 中臺"靈犀平臺"已完成多項核心能力的打磨,上線了70 多個活躍機器人,將AI 技術深度融入全鏈路的業務場景,並實現主流通用大模型調用量行業領先,靈犀中臺生產環境機器人月均調用量達5000 萬次。

在應用層面,衆安實現了AI 在產品設計、營銷、承保、服務、理賠、質檢的全鏈路應用。如在產品設計領域,衆安利用AI助力實現更快速的產品開發和迭代;在營銷端,以AI提升用戶觸達範圍和效率,實現需求精準匹配;客服環節,衆安持續升級 AI 客服,實現了服務端主動的情緒值提供;並達成自動化承保及理賠,利用 AI 識別潛在的承保風險及欺詐可能,提前預警以降低公司風險成本。此外,衆安還實現了全流程AI質檢,建立了動態風險屏障。

科技輸出提質增量,ZA Bank趨向盈虧平衡

受益於國內以及全球金融行業持續數字化轉型,報告期內,公司在科技輸出及海外銀行業務方面實現長足發展,衆安科技輸出業務板塊實現總收入9.56 億元,同比增長15.3%,在鞏固保險行業客戶的基礎上,進一步拓展來自泛金融、零售、製造等行業的新客戶,實現高速增長。

衆安國際位於香港的子公司ZA Bank報告期內實現了淨收入5.48億港元,同比增長52.6%,淨虧損大幅減少1.67億港幣,降至2.32億港幣,趨向盈虧平衡。

隨着AI等新興技術加速落地,全球金融行業數字化轉型進程全面提速。衆安在線作爲保險行業的AI科技先行者,將以用戶爲中心,持續推動推動保險行業數字化轉型及 AI 技術落地,積極探索保險行業的未來發展方向。

Follow us
Find us on Facebook, Twitter , Instagram, and YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!
Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.
uSMART
Wealth Growth Made Easy
Open Account