众安保险2024年中期业绩报告

免责申明 ThispresentationhasbeenpreparedbyZhongAnOnlineP&CInsuranceCo.,Ltd.(the"Company")solelyforinformationpurposes.Norepresentationorwarrantyexpressorimpliedismadeasto,andnorelianceshouldbeplacedon,thefairness,accuracy,completenessorcorrectnessoftheinformationoranyopinioncontainedherein.Theinformationcontainedinthispresentationshouldbeconsideredinthecontextofthecircumstancesprevailingonthedatehereofandwillnotbeupdatedtoreflectmaterialdevelopmentsthatmayoccurafterthedateofthepresentation.Byattendingthispresentation,participantsacknowledgeandagreethatneithertheCompanynoranyofitsaffiliates,officers,directors,supervisorsoradvisorsshallhave anyliabilitywhatsoever(innegligenceorotherwise)forany lossarisingfromanyuseofthis presentationoritscontentsorotherwisearisinginconnectionwiththispresentation(whetherdirect,indirect,consequentialorotherwise). Thispresentationdoesnotconstituteorformpartofanoffer,invitationorrecommendationtopurchaseorsubscribeforanysecuritiesoftheCompanyandnopartofitshallformthebasisoforberelieduponinconnectionwithanycontract,commitmentorinvestmentdecisioninrelationtoanysecurities.Nomoney,securitiesorotherconsiderationisbeingsolicited,and,ifsentinresponsetothispresentationortheinformationcontainedherein,willnotbeaccepted.Nothinginthisdocumentconstitutesorformspartof,orshouldbeconstruedasconstitutingorformingpartof,anyregulatory,valuation,legal,tax,accounting,investment,orotheradvice. Thispresentationmaycontainforward-lookingstatementsthatreflecttheCompany’sbeliefsandexpectationsaboutthefuture.Theseforward-lookingstatementsarebasedonanumberofassumptionsaboutthefuture,someofwhicharebeyondtheCompany’scontrol.Suchforwardlookingstatementsaresubjecttocertainrisksanduncertaintiesthatcouldcauseactualresultstodiffermateriallyandadverselyfromthosecontemplatedby,oranticipatedin,orimpliedin,therelevantforward-lookingstatements.NeithertheCompanynoritssubsidiaries,affiliates,advisorsorrepresentativesassumesanyresponsibilityandundertakeanyobligationtoupdateanyforward-lookingstatementstoreflecteventsthatoccurorcircumstancesthatariseafterthedateofthispresentation.EachoftheCompanyanditsaffiliates,controllingpersons,directors,officers,partners,employees,agents,representativesoradvisersofanyoftheforegoingassumesnoobligationto(1)provideaccesstoanyadditionalinformation,(2)correctanymistakesorinaccuraciesinthisdocument,or(3)updateorotherwiserevisethisdocument,foranyreasonwhatsoever,includingwithoutlimitationtoreflectnewinformation,eventsorcircumstancesthatarise,occurorbecomeknownafterthedateofthisdocument. Certaindatainthispresentationwasobtainedfromvariousexternaldatasources,includingthirdparties,andhasnotbeenindependentlyverifiedandhasnotbeenreviewedbyanyregulatoryauthorityinanyjurisdiction.Suchdatainvolvesrisksanduncertaintiesandissubjecttochangebasedonvariousfactors.Norepresentation,warrantyorundertaking,expressorimplied,ismadeasto,andnorelianceshouldbeplacedon,thetruth,fairness,accuracy,completeness,correctnessorreasonablenessoftheinformationorthesourcespresentedorcontainedin,andomissionsfrom,thesematerials.Thefiguresinthisdocumentmayhavebeensubjecttorounding.Thisdocumentdoesnotpurporttoprovideacompletedescriptionofthemattertowhichitrelates. Youagreetokeepthecontentsofthispresentationstrictlyconfidential.Alloranypartofthispresentationmaynotbetakenaway,reproduced,copied,passedon,redistributedorretransmitted,directlyorindirectly,toanyotherperson(whetherwithinoroutsideyourorganization/firm),orpublishedorotherwisedisclosed,inwholeorinpart,inanymannerforanypurpose. Byreceivingthispresentationmaterialorbyattendingthemeetingwherethispresentationismade,orbyreadingthepresentationmaterials,youareagreeingtobeboundbytheforegoinglimitations. 我们的使命科技驱动金融，做有温度的保险 “保险+科技”双引擎战略 第一章 业务概览 承保业务持续盈利，科技和银行业务大幅减亏 做有温度的保险推进普惠保险高质量发展 自营渠道加深用户运营，提升用户长期价值 健康生态探索用户分层，多产品矩阵助力保险普惠 45.38亿元，覆盖被保用户1,239万人，人均保费434元 健康生态总保费 数字生活生态拓宽场景，满足用户日益丰富的保障需求 74.14亿元 数字生活生态总保费 航旅出行( 18%1) 电商( 58%1) •场景-覆盖电商交易链路，包括退货运费、质量保证、账户安全、物流保障等•渠道-覆盖主流电商渠道 •场景-覆盖航班延误、航班意外、酒店取消、签证服务等场景；上半年服务4,800万人出行 创新( 2 4%1) 宠物 •外卖新场景-覆盖食品安全、慢必赔等，总保费同比增长超3倍•运动场景-10+款运动意外险覆盖常规运动场景及户外高风险运动场景•小微场景-企财险覆盖4万+中小微企业，无人机保险服务10万+农户•产品-意外险、宠物险、银行卡安全险、碎屏险等 •场景-宠物医疗、宠物大病、宠物意外、宠物第三者责任等•用户-上半年新增146万用户•服务-覆盖1.8万家+线下宠物医院和服务机构；上半年提供服务93万+次，同比增长3倍•总保费同比增长2.8倍 消费金融生态专注互联网小额分散场景，持续承保盈利 21.84亿元 消费金融生态总保费 汽车生态业务规模和品质双升，智能化理赔提升用户体验 11.02亿元 车险生态总保费 共保模式 风险识别 新能源车险 识别家用车风险，实现智能定价 人工智能科技赋能提速价值链效率 科技输出助力全球金融行业数字化转型 国内科技输出抓住国内行业新机遇，收入打开高增长空间 国内科技输出收入3.19亿元，同比增长112.7% IFRS17产品 •自主研发：系列专利及软著 •国产信创：适配鲲鹏、海光等芯片，曙光服务器、麒麟操作系统和达梦数据库等 •一体化服务：产品高度定制化 IFRS17产品累计签约10家+客户 国际科技输出获知名投资机构加持，加速地域扩张 国际科技输出收入1.23亿元，同比增长3.8%年度订阅式收入ARR11.27亿元 ZA Tech正式更名为Peak3 保险公司 完成3,500万美元A轮融资 加速在欧洲、中东和非洲（EMEA）地区的扩张发展 保险中介 众安银行规模效应显现，盈利能力增强 第二章 财务概览 HKFRS 17保险服务收入实现稳健增长 HKFRS 17承保持续盈利，费用率进一步优化 HKFRS 17 境内保险资金运用以固收为主，实现稳健投资收益 HKFRS 17主要财务科目 1 谢谢！ IR联系方式ir@zhongan.com