众安保险2023年业绩发布

（股票代码：6060.HK） 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 2023年公司实现增长与盈利并进 自营渠道从场景出发，专注自营渠道建设，为用户提供全方位保障 76.14亿元自营渠道总保费同比增长31.0% 39.0%加复购用户保费贡献 1,136万付费用户数量同比增长47.6% 1.6张人均保单数量 88.3%续保率2同比提升3.3个百分点 670元人均保费1 健康生态多产品矩阵助力健康普惠 数字生活生态电商业务势如破竹，航旅业务强势复苏，创新板块百花齐放 •覆盖全主流OTA旅行平台以及航空公司自营渠道•为超7,000万旅客提供出行保障 •宠物险保费交易总额约5亿元，同比增长近150%；累计服务超过465万宠物主；宠物险服务网络对接近1.4万家线下宠物医院和服务机构 •全领域覆盖包括平台电商、直播、短视频电商、私域电商等•全链条覆盖电商交易链路包括质量保证、账户安全、物流保障等 8•服务超过150万无人机机主•多场景意外保障保费超10亿元•服务型家财险累计服务超过50万个家庭 消费金融生态专注互联网场景小额分散优质客群，科技赋能提升风控 汽车生态创新共保模式，探索车险新领域 汽车后市场服务 自研反欺诈算法 新能源车 承保百余个品牌 包括委托车辆年检、代驾服务和道路救援 ESG 保险科技拥抱ESG可持续发展 将“严格合规运营”、“做有温度的保险”、“重视人文关怀”、“共享绿色生态”、“回馈社会民生”作为履行环境及社会责任、践行ESG理念的五大战略发展方向将业务融合17个联合国可持续发展目标（SDG）积极为股东及投资者、监管机构、客户、雇员、业务伙伴、非政府组织等利益相关方创造价值，塑造互利共赢的格局，与社会共享发展成果MSCI、CDP、S&P等ESG评级提升 产品组合 业务模式 绿色保险 小微企业 普惠保险 低碳运营 95款产品保护中微企业经营风险覆盖餐饮零售、娱乐健身、教育培训等多个行业“店店保”产品累计承保店铺数量超1.4万家 90余种慢病人群保险30余种女性保险覆盖孕妇等高风险人群50余种老年专属保险80余种少儿等专属保险 超50款产品200万件绿色保险保单风险保障超过200亿元覆盖新能源汽车、环保责任、光伏、锂电池回收等 科技赋能的全线上业务模式，降低碳排放 人工智能保险新基建，优化服务、提升产能 “众有灵犀”平台 代码助手（DevPilot） BI集智平台 ⚫通过对话式实现0难度、轻操作的业务数据查询与分析能力⚫BILab版可对多场景、多数据源进行灵活联合分析 ⚫实时提供代码补全、bug检测和性能优化建议⚫运用AIGC挖掘潜在的解决方案，帮助开发者更好地理解和利用现有代码资源 ⚫落地智能产研、智能营销、智能运营、智能客服等多个场景应用⚫产出图文创作、座席辅助、智能质检、智能费控、合规文案等多项实用工具 众安内部应用 众安内部应用 众安内部应用 “客服智能体”提供拟人化的服务，每次会话平均