中国平安前三季度净利增长超三成，保险业务规模、增速保持领先

华尔街见闻10-21

中国平安（601318.SH）交上了A股上市险企三季度的首份“成绩单”。 10月21日晚，中国平安披露公司前三季营收同比增长10%至7753.83亿元，归母净利增长36.1%至1191.82亿元。其中寿险及健康险、产险、银行3类核心业务归母净利均有提升，增幅分别为34.99%、39.72%、0.24%。保险业务上，中国平安负债端、投资端均有较好表现。平安人寿、平安产险、平安健康、平安养老总...

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leading","themeId":"590860f5a3854e6b8e18c6a46aa1a32d","isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"82318":0.6,"601318":0.6,"LU":1,"L":0.6,"03145":0.6},"content_text":"中国平安（601318.SH）交上了A股上市险企三季度的首份“成绩单”。\n10月21日晚，中国平安披露公司前三季营收同比增长10%至7753.83亿元，归母净利增长36.1%至1191.82亿元。\n其中寿险及健康险、产险、银行3类核心业务归母净利均有提升，增幅分别为34.99%、39.72%、0.24%。\n保险业务上，中国平安负债端、投资端均有较好表现。\n平安人寿、平安产险、平安健康、平安养老总保费同比增长8.42%至6891.75亿元，保费规模、增速均为A股5家上市险企之首。\n投资端，三季度末保险资金投资组合规模较年初增长12.7%至5.32万亿元，年化综合投资收益率同比上升1.3个百分点至5.0%。\n不过仅就投资端表现，中国平安较同业或仍有差距。\n受益于9月末A股行情，新华保险、中国人保、中国太保、中国人寿已陆续表示公司投资业绩回暖，带动净利同比大幅改善。\n其中，中国人寿净利同比增长预计在1.5倍以上，其余3家公司在60-115%之间。\n\n即便是中国太保60%的最低增幅，也显著高于中国平安36.1%的实际增幅。\n负债端收入明显领先的情况下，这一落差或来自投资端。\n三季报未公示详细的投资组合，但从二季度表现看，中国平安在A股5家上市险企中配股较少，股票资产占总资产比重仅高于中国人保。\n不过中国平安依然表示，三季度政府推出一系列货币、财政、稳定资本市场和促进就业等政策，资本市场积极响应，股市快速反弹。\n此前，中国平安原首席投资官邓斌接受曾在采访中透露，平安资产配置是“双哑铃型”。\n邓斌表示，第一个是大“哑铃”两端是长久期利率债和风险资产；第二个是小“哑铃”，两端是成长型股票与高息股。\n相较营收、净利双增长的保险，平安银行业务的表现略显平淡。\n前三季度，营业收入同比下降12.6%至1115.82亿元，归母净利同比微增0.24%至397.29亿元。\n回溯过往，“增利不增收”已是平安银行的常态。\nWind数据显示，平安银行（000001.SZ）营收增速自2019年起逐年下滑，2023年告负至-8.45%。\n也有部分收入调整是主动为之。\n2023年，曾帮助陆金所登陆纽约证券交易所的冀光恒出任平安银行行长。\n就任后，冀光恒曾指出过往对营收作出较大贡献的高息差、高利率零售已不适应新形势，“‘以量补价’风险太高，应主动优化业务及客群结构。”\n当下，平安银行改革重点即为推动零售业务从高风险、高成本、高收益向中风险、中收益转型，逐步实现零售客群质量、资产质量、资产结构提升。\n截至三季度末，平安银行企业贷款余额较上年末增长11.6%、个人贷款余额下降9.6%。\n中报发布会上，冀光恒曾坦言“公司内部也有要不要做一部分高风险产品的想法，最终顶住了诱惑。”\n冀光恒表示，随着改革深入推进，零售业务已基本稳定。“战略改革最难在今年，从目前的整体进展看，本轮改革已达到预期。”\n资产质量方面，平安银行三季度末不良贷款率与上年末持平、为1.06%，；拨备覆盖率较上年末降低26.44个百分点，为251.19%。风险提示及免责条款\n\n 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