中國人壽(02628.HK)前三季度淨利潤485.02億元 同比增長3.0%
格隆匯10月28日丨中國人壽(02628.HK)公佈,2021年前三季度,公司歸屬於母公司股東的淨利潤為人民幣485.02億元,同比增長3.0%。截至2021年9月30日,公司核心償付能力充足率和綜合償付能力充足率分別為257.51%和266.28%。
2021年前三季度,外部發展環境複雜多變,國內經濟繼續保持恢復態勢,但恢復不穩固、不均衡,保險行業發展面臨深刻調整。公司緊緊圍繞"重振國壽"戰略部署,按照高質量發展要求,統籌疫情防控和改革發展,各項工作穩健推進,市場領先地位穩固。
一是業務發展總體平穩。2021年前三季度,公司實現保費收入人民幣5,534.37億元,同比增長1.8%。其中,續期保費達人民幣3,922.01億元,同比增長6.4%。短期險保費達人民幣679.45億元,同比增長1.6%。新單保費增長雖繼續承壓,但降幅較2021年上半年有所收窄。首年期交保費為人民幣915.17億元,其中十年期及以上首年期交保費為人民幣368.99億元。2021年前三季度,新業務價值同比下降19.6%。退保率為0.93%,與2020年同期相比基本保持穩定。
二是銷售隊伍嚴格基礎管理,堅持走高質量發展道路。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,壓實隊伍規模,強化基礎管理,夯實隊伍高質量發展根基。截至2021年9月30日,公司總銷售人力105.2萬人,其中,個險銷售人力98萬人。
三是靈活調整投資策略,兼顧長期配置優化和短期收益穩定。截至2021年9月30日,公司投資資產達人民幣45,413.71億元,較2020年底增長10.9%。2021年第三季度,公司適度調整固收資產資產配置節奏;緊密跟蹤權益市場,積極開展權益品種戰術再平衡,適時兑現收益。此外,密切跟蹤重點行業信用環境的變化,防範重點領域投資風險。2021年前三季度,公司實現總投資收益人民幣1,656.95億元,同比增長12.8%,總投資收益率為5.25%;淨投資收益達人民幣1,392.03億元,同比增長13.4%,淨投資收益率5為4.40%。
下一步,公司將全面貫徹新發展理念,以高質量發展為主題,持續推進"重振國壽"戰略部署,堅持"重價值、強隊伍、穩增長、興科技、優服務、防風險"經營方針,努力推動業務平穩發展,大力深化改革創新,不斷優化運營服務,持續強化消費者權益保護,切實加強風險防控,確保公司"十四五"取得良好開局。
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