陽光保險(06963.HK)2024年歸母淨利54.5億元 同比增長45.8%
格隆匯3月26日丨陽光保險(06963.HK)公告，截至2024年12月31日止年度全年業績，集團全年總保費收入1,283.8億元，同比增長8.0%，實現保險服務收入640.0億元，同比增長6.9%。歸屬於母公司股東的淨利潤54.5億元，同比增長45.8%。集團內含價值1,157.6億元，較上年末增長11.2%。總投資收益率4.3%，綜合投資收益率6.5%。陽光人壽新單期繳保費收入203.7億元，同比增長12.6%；新業務價值51.5億元，同比增長43.3%。陽光財險原保險保費收入478.2億元，同比增長8.1%，承保綜合成本率99.7%。陽光資管管理資產規模7,446.1億元，權益類資產綜合收益率大幅跑贏大盤，受託資產綜合投資收益率處於行業領先水平。
這一年，公司全面深化客戶行動。堅持"價值性、特色性、實用性、好用性"的"四性"客戶服務原則，理順服務機制、深化客戶洞察、優化服務供給。並以"縱橫夥伴"戰略計劃爲根本抓手，做實客戶經營。陽光人壽圍繞全生命週期的"縱橫計劃"，深化陽光特色的"三╱五╱七"產品體系，新開發少兒重疾、母嬰醫療、養老年金等新產品近百款，新保中高淨值客戶顯著增長，客均標保、價值穩健提升。陽光財險"夥伴行動"取得探索成效，酒店、倉儲等行業的風險管理服務能力不斷提升，爲超1.5萬個企業客戶提供科技減損和專業風險諮詢服務。截至2024年末，集團有效客戶數約3,019萬。
這一年，公司持續夯實核心能力建設，紮實價值發展。陽光人壽堅持"渠道變平臺"戰略，多平臺經營協同並進。個險一身"差異化"模式深化升級、兩翼"價值化"能力快速提升，個險新業務價值增速33.1%、人均產能提升21.9%。
特別是，前瞻性研判，強化資負管理，積極有力應對利率中樞下行帶來的挑戰，以"三差"爲核心的利源結構持續優化。陽光財險圍繞"三張生命表"，全面打造風險定價、資源配置、成本管理、客戶經營核心競爭力。車險客戶精細化經營能力增強，家用車業務保費增速5.4%，佔比提升2.0個百分點，目標客羣佔比提升14.1個百分點；非車險不斷豐富與優化產品供給和服務保障，市場拓展能力提升。
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