中国人民保险集团二零二四年年度报告

目 錄 THE PEOPLE’S INSURANCE COMPANY(GROUP) OF CHINA LIMITEDPICC Group 1339 881-13 88100031www.picc.com.cn 86106900 919286106900 8264ir_group@picc.com.cn 183171712-1716 2. 20245,377.096.7%26,930.154.7%4,852.236.1%5,380.554.3%496.0113.2%1,546.996.1%202412311.614.6%2024123117,663.2113.5%3,674.2110.4%281%225% 2.0 77.5%98.8%79.5%5.851.2%3.250.24114.2%1396.3%4.150.2%65.13143.6%56.8% 2024 821.6386.2%5.6%2.3 31126.7327(PSI)ESGMSCIESGAA1841,15957.3%1,0045,5422.13.2 1,4421,8189.7 31%AI170 19 2024500 15815150108520 2024 31 43 39.5 6.0%ISO9001 170 86.7% 170 64.8%2023 2024SARMRA 1 50% 6,22212.4%1.7716.7% 3,1759.6%26.6% 4,485 1611,4644,60021.7 5.695.7%17,890 2.32024 421.5188.8% 1,905.228.8%39.3%1.0 20241,060.045.3%842.5713.5%50.24114.2%486.957.7%66.5050.2%65.13143.6%4.9 2024821.6386.2%5.6%2.3 2024123111,105.753.5% 177.84 APP335 68.98%89.36% 3,57022 80.00% 100.00% (1)(2)=++(3)=++++(4)202312312024202412317,849149,872(5)=+100%(6)202312312024202412316,88332,019(7)202312312023 (1)20244,852.236.1% 99.7%3.91.58 24.2%2.396.8%0.192.85 1+3+N 554.664.9% 62.1%2.837.4%1.02.42 2024 84.2% 2024 371.1212.8% 85.8%9.6113.4% 31.2%2.2105.2%1.83.85 2024 2024223.8423.0%5.3%13.5%50.24114.2%170.982024 134.1259.61325 2024268.995.0%57.1556.8% 2024200.396.7% 2024132.8013.9% 1102.48 2024153.76 4.0% 1325 20243175.0482.7%15.68136.9% 202412316,456.6312.9%2,4652024607 202412311,534.454.171.01 2. 202420243.5733 2025324202032380 20253272024101.17 ABSCMBSREITs 1. 1.1. 25% 5. 5.12023123120241231 272.202420243.202320244.20245.20246.20247.2024 1. 1.1. 2.1. 3.4. 2020 5. 5.12023123120241231 272.202420243.202320244.20245.20246.20247.2024 (1)(2)(3)(4)(5)(6)(7)(8)(9)(10)(11)(12)(13)(14)(15)(16)(17)(18)3%(19) 10% HH 26202420241220 20241118 20244296 20246282023202527 202411112024753.09D 1/32 C3 4 20243,63269849 2025120202527 (7)(8)(9)(10)(11)(12)(13) 2024321425624823108-111119-251224722 202495202412202025120 •2023 2025120202533 20244•2023•2023•2023 202527 •2024••20232023•20232024••••2024 48.6% www.picc.com.cn 25242024123114.075% 39 2024123174.64 20246,300 5% 1% 14A4614A 2024764202320232023AH20232023202320232023202320232023202320232024A+H2023202320232024AH202420242024AH2044 3 3 5 2 200012100000717800822N 20242027 1,159 34020242.4245.61 2024 2 2024 25140 24220245,878.9562.6 6,441.5 63 2024 9,444 10% 2202411281202.33% 6,99349.99% 1,75812.56% 2.3 202411111677 2.4 2. 2.4 2.2.5(1) 2.2.5(1) (2) 2.2.5(2) 36 36 2.2.5(2) 2.2.5 (4) 2.2.5(4) (5) 2.2.5(5) 2.2.5(5) 12 12 2.2.5(5) (6) 2.2.5(6) (7) 16 16 2.2.5(8) 1.62%19.40%8.63%33.33%15.83%25.00% 2.2.5(10) 3-10 (11) 2.2.5(12) 2.2.5(12) •9•917 2.2.5(12) 2.2.5(12) 3 2.2.5(12) 2.2.5(12) (a)(b)••(c)••(d)(e)(a) 2.2.5(12) 2.2.5(12) 2.2.5(12) 2.2.5(12) 2.2.5(12) 2.2.5(12) 2.2.5(12) 2.2.5(12) (a)–––––(b)–––(c)(d) 2.2.5(12) 2.2.5(12) (13) 2.2.5(14) 2.2.5(14) (15) 16 2 0 2 41 23 1 2.2.5(15) 12 2.2.5(15) (16) 2.2.5(16) (17) (18) 2.2.5(18) 2.2.5(18) (19) 3. 75% – 85%202375% – 85% 23 47 23 3. 42 41 (1)(2)(3)(4)(5) 10% 13. 2023 22. 22. 23. 2024123148,9412023123145,1282024123120,5322023123114,40520241231 36 23. 20157928010.87%14.06% 28. 30. (a)202412313,2483,788 31. 36. 39. 50% 25% (a) 2024(II)[2021]51(II)[2021]52[2023]5 41.1 100%2024 (c) 41.2 41.41.2(a)(1) 41.41.2(a)(2) 41.41.2(a)(4) 41.41.2(b)(1) 3 Standard & Poor'sBestFitchMoody's 41.41.2(b)(1) 2023119 12 (1)12(2)12(3) 41.41.2(b)(1) 2 0 2 41 23 1 41.41.2(b)(1) 12 41.41.2(b)(1) 41.41.2(b)(2) 41.41.2(b)(3) 41.41.2(b)(3) 41.41.2(b)(3) 41.41.2(b)(3) 20241231502,0191,552202312314,4393,92615,73721,66017,956 202412315%5,7036,22810,02812,75913,2842023123113,70113,771 42. 24 42 (c) 46. (1)(i)(ii)(iii)(2)(i)(ii)(iii)(iv)(v)(vi)(vii) 47. 202412312.25%-6.08%202312312.98%-6.08% 48. 2.5 202420232024123120231231 49. (1)20253242020 (2)202532720245,174 50. 2025 327