中國人壽(02628.HK)一季度淨利升67.3%至285.89億元 深入落實"重振國壽"戰略部署
格隆匯 4 月 28日丨中國人壽(02628.HK)公佈2021年第一季度業績,報吿期內,公司實現營業收入人民幣3734.58億元(單位下同),同比增長10.6%;歸屬於母公司股東的淨利潤285.89億元,同比增長67.3%;扣除非經常性損益後歸屬於母公司股東的淨利潤286.39億元,同比增長67.3%;每股收益1.01元。
2021年以來,外部發展環境複雜多變,新冠肺炎疫情影響的長期性、嚴峻性更加明顯,國內經濟恢復不平衡,保險行業仍處於恢復發展期。報吿期內,公司緊緊圍繞"重振國壽"戰略部署,按照高質量發展要求,積極應對疫情衝擊帶來的挑戰,穩健推進各項工作,發展態勢平穩,經營效益有效提升。
一是業務發展在高基數基礎上承壓,整體保持穩定。2021年第一季度,公司實現保費收入人民幣3,238.92億元,同比增長5.2%。其中,續期保費達人民幣2,214.43億元,同比增長11.7%。短期險保費達人民幣335.84億元,同比增長2.3%。受新冠肺炎疫情影響,保險消費需求釋放放緩,公司新單業務發展承壓。首年期交保費為人民幣682.76億元,其中十年期及以上首年期交保費為人民幣196.56億元。在2020年高基數基礎上,新業務價值同比下降13.2%。退保率為0.38%,同比上升0.10個百分點。
二是銷售隊伍堅持提質穩量,嚴格基礎管理。隨着以客户為中心的"一體多元"銷售佈局持續深化,公司堅持走有效隊伍驅動業務發展之路,強化基礎管理,關注質態提升,持續推進隊伍高質量發展。截至報吿期末,公司總銷售人力135.7萬人,其中,個險銷售人力128.2萬人,總體基本保持穩定。
三是優化投資賬户配置,豐富投資品種策略,奠定全年收益基礎。截至報吿期末,公司投資資產達人民幣42,821.89億元,較2020年底增長4.5%。公司持續佈局長久期配置類資產以匹配負債,滾動配置非標固收、類固收資產以增厚安全墊,着力提升權益投資能力以貢獻超額收益。2021年第一季度,公司結合市場情況,將戰略配置與戰術操作有機結合,發揮內外部管理人優勢,豐富固收品種,主動管理權益類敞口,不斷優化持倉結構。2021年第一季度,公司實現總投資收益人民幣651.12億元,同比增長43.3%,總投資收益率為6.44%;淨投資收益達人民幣413.95億元,同比增長8.7%,淨投資收益率5為4.08%。
截至報吿期末,公司核心償付能力充足率和綜合償付能力充足率分別為266.35%和275.16%。
下一步,公司將全面貫徹新發展理念,堅持高質量發展主題,深入落實"重振國壽"戰略部署,堅持"三大轉型、雙心雙聚、資負聯動"戰略內核,堅持"重價值、強隊伍、穩增長、興科技、優服務、防風險"經營方針,保持業務平穩發展,切實提升銷售隊伍硬實力,持之以恆培育新動能,牢牢守住風險防控底線,推進"重振國壽"取得新進展。
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