中国人民保险集团二零二三年年度报告

194910201212H1339201811A6013192023500120 232868.98%89.36%80.00%95.45%100%100%100%100%100%100%100% 目 錄 公司基本情況2釋義31.關於我們4462.董事長致辭123.管理層討論與分析1818295556634.內含價值675.企業管治82821151241301356.環境和社會責任1637.重要事項1698.財務報告175獨立審計師報告175合併財務報表及附註183 Awww.sse.com.cnHwww.hkexnews.hk/ THE PEOPLE’S INSURANCE COMPANY(GROUP) OF CHINA LIMITEDPICC Group H1339 A 601319 881-1388100031www.picc.com.cn /86106900 919286106900 8264ir_group@picc.com.cn H 183171712-1716 202352018115A2021226 1. 2023308.11223.2215.1%297.8%105.4% 202368.99330% 2. 20235,039.007.5%46,617.376.9%4,572.037.7%5,158.076.3%438.234.6%1,458.429.1% 202312313,329.039.2%251%194% 3. ++51.4 4.337.0%1392.2%9.534.1% 4. 20233,50020238,000 GC919·14256,4902.158211.9%161187.2250275.675.520.4%57.7%15742.729.613.51341.81.37,259 5. 2023109.866.34002,29064,092426.97.22.24100% 6. 202350012014Brand Finance2024500160920235TOP 100202372023202320232023122023· 2023F1 202336.5 7. + ++10202310 8. 2023 2023 20235,039.007.5%308.111.569.9% 4,572.037.7%97.8%245.66 1,006.348.6%452.0810.2% 3.3%1.0736.3%4.981.500.591.29 2023 2023 5,000 20233,54685.7% +++ 1,077Brand Finance 2024 2024 2024 ++ 2024 2023 20235.19.1%13,402.81.921.9%4.98 611.31,214.6161263.36 2023 7 202320234,092 5.3%2,301.817.4%202397.8%96.9%99.1%8101.89245.66 3,3456,617.376.9%223.22 2023123132.5%4.1% 2. 20231,006.348.6%250.3037.0%96.1 1. 20235,158.076.3%32.5%2,856.26 36.6469.6%452.0810.2%44.2634.1%8.39165.38 202312 3125,057.710,726.436.3% 4. e1,428APP196% 3. 2023441.153.3% RPAOCRAI100 80.00%95.45%100.00%100.00%100.00% 68.98%89.36% 1. (1)(2)20216(3)=++(4)=++++(5)20222023(6)=+100% 3. 20231231 (1)[2014]1225 1725 (2)2022 32.5%97.8%101.89245.66 (1) 1. 20234,572.037.7%97.8%1.2101.8929.1%245.6615.6% ++20234,572.037.7% 1070.4%2.126.5%0.396.9%2.486.2341.1% • 2,821.175.3% • 437.4723.8% 528.5710.6% 38.4%4.659.3%1.897.7%2.810.071.76 80.3%2.215.5%0.895.8%1.422.3316.1% • • 329.063.2% 73.6% 3.0++33.4%0.9107.0%2.16.04 76.2%0.3103.8%0.40.19 • 283.4713.5% • 172.295.1% 64.5%3.431.0%2.295.5%1.212.8655.3% 27.6%0.7 (2) 20237.5% (3) 202312315.2%5.5% (4) 2. 202316.0398.7%9020230.78 Standard & Poor’sAA.M.BestFitchMoody’s 202348.8710.2%2.24 1.(1) 8.6%37.0%69.6%182.0410.9%168.599.7%0.03 (2) 20231,006.348.6%431.2544.5%10.7405.979.3 202320,672479.925.3% 490.6411.4%10.01 35.7816.4%23.886.0% 2023123188,8178,770.97 139.51316.8257.2259.7 1325 (1)1313 (2)2525 (3) 2023123114.0%1.59 2. (1) 202328.26182.9%678.728.5%2023256.1919.3%2023231.0944.0%18.36 (2) 2023452.0810.2%256.075.0%5.428.0%36.45236.9% 20230187.721.3% 116.5535.1% +147.816.6% 1325 (3) 2023123121.4%62.5% ABS202320232023 2023 1. 2023202316,83814.7%15.264.98 20236,9657% 2. 3. 202320235,7635.691.50 202320236.870.59 5,719.717.8%1,020302023221202342.96.9 1+3256.4 4. 202320231,7608.9%4.451.29 2023 43920232023 1. (1)202311202312 31(2)(3)(4) AAA99.8% REITs 2023123143.6%AAA98.7% 2. 2023441.1519.6%584.252.7%3.3%1.34.5%0.6 1 2 2022711.212023705.49 2022727.552023709.27 202285.572023114.83 202344.91 2023123133 20235.3336 20243262023101.5668.99 2023 2023 2023 1 2023 2023++ 2023 2 44 2023A-2023BBB-44 202344 2023724 202344 2023 2024 2024++ + 2024 2023 202312 31 20231231 201611 202312312023 •20231231•20231231•202312312022123120231231•20231231 •201611••• FSAFCAAFSAFCAA 202312 31 1.2. 201611 1. 1.1. • •••• 2. 9% 2.1. 2.2. 2023123120221231 2.2.12023123120221231 3.5. 3. 40%85% 20231231 3.1. 9% 3.6. 3.2. 4.5%4.75% 3.3. 3.7. 2.5% 3.4. 3.8. 25% 4. 4.1 5. 5.12022123120231231 27 2.202320233.202220234.20235.20236.20237.2023 201611 202312312023 •20231231•20231231•202312312022123120231231•20231231 •201611••• FSAFCAAFSAFCAA 202312 31 1.2. 201611 1. 1.1. ••••• 2. 9% 2.1. 2.2. 202312 312022123112 2.2.1202312312022123112 3. 3.5. 7%99% 20231231 3.1. 9% 3.6. 3.2. 4.5% 3.3. 70% 3.7. 2.5% 3.4. 2010-20132020 3.8. 25% 4. 4.1 5. 5.120221231202312319% 27 2.202320233.202220234.20235.20236.20237.2023 2023C1 www.picc.com.cn (1)(2)(3)(4)(5)(6)(7)(8)(9)(10)(11)(12)(13)(14)(15)(16)(17)(18)3%(19) 3 ••2022•2022•2022•2023•2023•2023•2021 202220222022202220222023 10%5 3%102 HH 4145 1 14455236 20231 16 20233 1 20233 16 202342720232023821 20234 272023619202220238 28 202351120235520235112023629 20236 19 20237 2020239420232023118 2 (1)(2)(3)(4)(5)(6)(7)(8)(9)(10)(11) (12)(13)(14)1/32(15)(16)(17)(18)(19)(20)(21)(22)(23) 3 31141080 •3•2023202320252023•2022•202220232023 ••••2022202320222022••202220222022202220232022202320222023 4 1 2 C3 3 4 5 6 5 (1) 532 202331 20238 28 (1)(2)(3)(4)(5)(6)(7)(8)(9)(10) 20234,09495764 202311032142482410271222629 •202220222023•2023•202320222023•202320232022202320222023•2023•20222023 2023 (2) 541 202331 20238 28 (1)(2)(3)(4)(5)(6)(7)(8) (9)(10)(11)(12)(13) 25 5 20231103214245510619712191071110271222927 ••20222023202220