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00:00:00","BUSINESS_REVIEW":"合并经营业绩本公司通过多渠道分销网络,借助旗下平安寿险、平安产险、平安养老险、平安健康险、平安银行、平安信托、平安证券、平安资产管理及平安融资租赁等子公司经营金融业务,借助平安健康、金融壹账通等子公司打造金融赋能生态圈,向客户提供多种金融产品和服务。2026年上半年,中国经济顶压前行,面对复杂多变的外部环境,主要指标运行在合理区间,发展韧性持续彰显。步入“十五五”时期,中国经济运行总体平稳、稳中有进的态势没有改变,动能向新、结构向优的特征依然明显。公司坚决贯彻落实党中央和国家的战略部署,坚守金融主业,服务实体经济,强化保险保障功能,遵循“高值增长、服务创新、科技引领、守法合规”的经营方针,深化发展“综合金融+医疗养老”双轮并行、科技驱动战略,不断巩固综合金融优势,坚持以客户需求为导向,着力推动高质量发展。集团营运利润概览由于寿险及健康险业务的大部分业务为长期业务,为更好地评估及比较经营业绩表现及趋势,本公司使用营运利润指标予以衡量。该指标以财务报表净利润为基础,剔除短期波动性较大的损益表项目和管理层认为不属于日常营运收支的一次性重大项目及其他:短期投资波动,适用于除浮动收费法以外的寿险及健康险业务;该短期波动为前述业务实际投资回报与内含价值长期投资回报假设的差异,剔除短期投资波动后,前述寿险及健康险业务的投资回报率锁定为4.0%,支持这类业务的以公允价值计量且其变动计入其他综合收益的债权投资以成本计算;管理层认为不属于日常营运收支的一次性重大项目及其他。2026年上半年该类事项包括本公司发行的美元、港元可转换债券的转股权价值重估损益等合计42.97亿元。2025年上半年该类事项包括平安健康纳入本集团合并报表时带来的一次性损益,本公司发行的美元、港元可转换债券的转股权价值重估损益等合计-55.71亿元。寿险及健康险业务概览本公司通过平安寿险、平安养老险和平安健康险经营寿险及健康险业务。寿险及健康险业务高质量发展,业务规模持续增长。2026年上半年,寿险及健康险业务新业务价值达成248.47亿元,同比增长11.2%。寿险多渠道均衡发展,业务结构更加多元。2026年上半年,代理人渠道人均新业务价值同比增长14.1%;银保、社区金融服务及其他渠道对平安寿险新业务价值的贡献占比近四成,同比提升3.8个百分点。产品结构转型升级,资产负债更具韧性。为丰富浮动收益产品供给,满足低利率市场环境下客户多元化需求,平安寿险持续推进分红型产品转型,提升分红险占比,2026年上半年,平安寿险新业务分红险占比超九成。主动优化交期结构,增强客户长期粘性。平安寿险在代理人渠道迭代升级产品经营策略,丰富长交期产品供给,加大长交期业务推广力度,持续优化业务交期结构,稳步提升长期客户规模及客户粘性。2026年上半年,代理人渠道新业务长交期占比同比提升6.0个百分点。“保险+服务”布局深化,持续赋能业务发展。2026年上半年,平安寿险使用医疗养老服务客户数1,151万人。截至2026年6月30日,累计超32万名客户获得平安居家服务资格,平安居家养老服务聚焦安全、健管、医疗、照护等核心场景,聚力打造“7好”王牌服务,并实现“新增APP平台、从被动到主动、线上线下打通”。平安臻颐年高品质康养社区项目已布局5个城市,共计6个项目,均陆续进入运营或建设阶段,其中上海颐年城·静安8号和深圳颐年城·福田已投入运营。寿险渠道经营平安寿险坚持以高质量发展为价值引领,持续深化转型,全面打造多渠道专业化销售能力,发展质量显著提升。代理人渠道平安寿险代理人渠道持续深化高质量发展,深入落实“做优、增优、育优”的“三优”队伍策略。推动队伍结构持续优化,通过完善人才发展体系与品牌建设,持续提升队伍专业化经营水平。截至2026年6月末,个险代理人中大专及以上人力占比50.5%,较2025年6月末提升2.2个百分点,其中上半年新增人力中大专及以上人力占比64.6%,较去年同期提升5.3个百分点。2026年上半年,代理人渠道新业务价值同比增长5.4%,代理人人均新业务价值同比增长14.1%。银保渠道平安寿险银保渠道坚持高质量发展策略,聚焦可持续的价值增长。2026年上半年,银保渠道新业务价值70.50亿元,同比增长18.0%。渠道方面,深化多元布局,持续深耕国有行及优质股份行合作,稳步拓展全国优质城商行。网点方面,加强标准化运营,科技赋能网点管理提效,实现网点人员专业服务、高效经营。队伍方面,坚持精英化发展路径,践行高标准招募和高素质培训管理。产品方面,持续优化结构,构建特色服务权益体系,为客户提供高价值、多样化的产品方案选择。社区金融服务及其他渠道社区金融服务渠道方面,平安寿险持续深化社区金融服务模式,以“农夫式”精耕存续客户为首要,经营价值持续突破,网点和队伍保持高质量发展。价值方面,2026年上半年,已实现存续客户全缴次继续率同比提升1.7个百分点。网点方面,截至2026年6月末,已在201个城市铺设340个网点,并持续深化网点精细管理。队伍方面,截至2026年6月末,渠道绩优人力翻倍成长,高素质、高绩效、高品质的“三高”精英队伍量质提升。下沉渠道方面,截至2026年6月末,平安寿险扩大覆盖至30个省市,加速推进下沉市场部署,蓄力下沉市场业务发展。寿险产品经营平安寿险坚持以客户为中心,不断丰富升级保险产品体系,为客户提供更全面的产品;同时,依托集团医疗养老生态圈,逐步推出“保险+服务”产品,为客户提供暖心服务,构建覆盖客户全生命周期需求的产品布局与服务体系。保险产品方面平安寿险持续深化财富与保障产品的创新供给、优化交期结构,构建场景丰富且保障全面的保险产品体系。稳步推进分红险转型,丰富浮动收益产品供给,满足低利率市场环境下客户多元化需求,强化资产负债韧性;主动优化交期结构,提升保单长期价值与客户粘性,为业务稳健发展提供持续动力。保险服务方面平安寿险持续深化“保险+服务”融合布局,依托服务生态价值,赋能业务高质量发展。2026年上半年,已有1,151万平安寿险的客户使用医疗养老服务。2026年上半年,平安寿险保单继续率保持较高水平,13个月保单继续率同比上升0.4个百分点,25个月保单继续率同比上升0.8个百分点,业务品质精益求精。未来,平安寿险将持续深化服务式续收,借助AI续收智能体提升客户服务效能和保单继续率。寿险及健康险业务营运利润及利源分析由于寿险及健康险业务的大部分业务为长期业务,为更好地评估和比较经营业绩表现及趋势,本公司使用营运利润指标予以衡量。该指标以财务报表净利润为基础,剔除短期波动性较大的损益表项目和管理层认为不属于日常营运收支的一次性重大项目及其他:短期投资波动,适用于除浮动收费法以外的寿险及健康险业务;该短期波动为前述业务实际投资回报与内含价值长期投资回报假设的差异,剔除短期投资波动后,前述寿险及健康险业务的投资回报率锁定为4.0%,支持这类业务的以公允价值计量且其变动计入其他综合收益的债权投资以成本计算;管理层认为不属于日常营运收支的一次性重大项目及其他。财产保险业务概览稳健经营夯实高质量发展2026年上半年,平安产险业务保持稳定增长,实现原保险保费收入1,787.51亿元,同比增长4.0%;保险服务收入1,718.79亿元,同比增长3.8%;整体业务品质持续向好,综合成本率95.1%,同比优化0.1个百分点。打造服务新名片以“平安服务年”为契机,“平安24”出境安全综合保障在“平安全球急难救援服务体系”的赋能下持续升级,升级“防、救、赔”创新服务模式,与全球超20万家医疗机构及超60万各类优质供应商合作,共同搭建全球救援服务网络,当前已覆盖233个国家和地区。持续擦亮“车险服务名片”,秉持“以客户需求为中心”的理念,深化“救、赔、服”一体化优势,深化以“三免全包办,服务快好省”为核心的服务举措落地,日均服务超300万客户,以“省心、省时、省钱”体验提升粘性、守护安全、传递温度。聚焦爱宠保障,全面推动“宠无忧”产品体系升级,打造“保障覆盖全面、破解年龄焦虑、服务更有温度、理赔急速体验”四大优势,重新定义爱宠保障新标准。依托AI技术实现最快2个工作日的极速理赔,搭建线下洗美与服务网络,模式覆盖全国30省、100余城,线上商城汇聚国内外主流品牌上千品类,更前瞻性地布局了上门喂养、专属遛宠、携宠出游及住宿登机等新兴高频场景,通过布局宠物生态服务全面升级,打造养宠客群的服务阵地。深入探索“保险+科技+服务”模式扎实做好“五篇大文章”平安产险纵深推进金融“五篇大文章”,全方位拓展保险保障广度与深度,织密经济社会风险防护网,切实发挥“经济减震器”与“社会稳定器”关键作用。2026年上半年,平安产险累计为186.1万小微企业提供了244.8万亿元风险保障;绿色保险原保险保费收入达413.46亿元,同比增长15.4%;承保科技保险保单318.4万件,提供6.9万亿元风险保障;协助推进129个城市型定制医疗保险项目,覆盖市民超852万人,提供超55.0万亿元风险保障;承办长期护理保险项目覆盖参保群众超4,900万人,累计支付护理待遇超1.0亿元。全面推进数智化转型平安产险严格落实科技监管要求,守牢科技风险底线,全面推进智能化转型,充分发挥人工智能等新技术在业务场景中的应用,深入挖掘数据要素潜能,推进数字金融服务升级,赋能业务高质量发展。平安好车主依托AI+科技驱动智能化升级,服务精准高效,客户满意度超97%。截至2026年6月末,平安好车主近一年活跃用户数超1.2亿,全域月活跃用户数峰值超5,000万。风险减量提升服务质效平安产险持续深化风险减量实践,创造可持续的业务价值。2026年上半年累计减损2.12亿元,预警自然灾害17.7万场,服务客户1.2亿;依托鹰眼平台提供17类场景安全监测,隐患自动线上告警、线下落地整改闭环,服务企业突破2.9万家,处置安全隐患7,892个,规避重大安全事故66起。同时,在国家金融监督管理总局及交警部门指导下,截至2026年6月末,平安“红绿灯”道路安全公益行动累计覆盖全国31个省市自治区538个县域,捐建红绿灯、减速带等设施4万余套,并完成4,400余处高风险路段工程改造,显著降低沿线交通事故率,形成可复制推广的乡村道路治理新模式。平安产险联合各地交警部门,积极开展线上线下交通安全宣传,如交通安全进村寨、进社区、进企业等以及各种线上预防宣教视频的投放,项目启动以来,累计触达群众超6.9亿人次。财产保险业务车险原保险保费收入1,085.78亿元,同比持平;综合成本率94.9%,同比优化0.6个百分点,主要得益于车险深化“报行合一”改革,持续推进费用精细化管理、优化费用投入。服务新能源生态。2026年上半年,承保新能源车678.0万辆,可比口径下同比增长27.8%,实现原保险保费收入264.15亿元,同比增长21.5%,为新能源车主提供了27.7万亿元风险保障。依托新能源专属服务体系与专修网络,持续提升盈利能力。联合车企开展智驾算法安全研究及优化,全力护航新能源出海战略。深化落地风险减量。融合“保险+科技+服务”,推进“人车路”协同治理。搭建多元宣教平台,内容涵盖“VR/5D事故还原体验、货车盲区风险防范演示、新能源车主安全驾驶指引”等上百门课程,守护“一老一少一新”等重点人群,覆盖2,063个乡镇开展2,211场宣教;推动数万台营运车加装主动安全设备,联合多地交管试点事故预防中心,联动图商建立大灾实时预警机制。意外伤害及健康保险原保险保费收入270.90亿元,同比增长38.2%;综合成本率96.7%,同比上升3.1个百分点。践行“健康中国”普惠初心,创新“可保、可赔、可管理”的带病体保障模式,差异化打造慢病管理与癌症康复的全周期健康管理方案,解决传统健康险“投保难、保障窄”的痛点,2026年上半年累计为3.1万带病体客户定制专属“保险+服务”方案。赋能“旅游强国”产业升级,“平安行”联动移动、电信等运营商,引入卫星呼救服务,实现全球无死角覆盖,打通救援最后一公里,构建全场景出行安全守护体系。责任保险原保险保费收入141.25亿元,同比增长3.7%;综合成本率96.8%,同比优化0.8个百分点。深入贯彻落实“十五五”规划中关于提升金融服务实体经济能力的发展要求,充分发挥保险在风险保障、资金融通、社会管理中的核心作用,护航实体经济发展,增进民生福祉安康。风险筛选方面,丰富模型因子,进一步提升定价精准度;风险减量方面,深化“物联网”技术应用,贯通事前事中事后管控,打造保险全生命周期风险减量服务体系;产品创新方面,首发“企无忧”雇主+团意组合产品,覆盖全用工场景,筑牢劳动者权益防护盾。农业保险原保险保费收入92.93亿元,同比增长9.3%;综合成本率98.2%,同比上升0.2个百分点。持续升级农户“三省”在线服务,“爱农宝”一站式农户服务平台用户量突破260万,搭建“AI农博士”全周期智慧防灾服务体系,2026年上半年在湖北等地通过模型预警完成小麦抢收8.9万亩,助力农户降低农业生产损失3,170万元。持续深化“九强”产业帮扶模式,整合“金融+科技+平台”资源助力地方产业振兴,2026年上半年累计在全国落地313个产业帮扶项目,带动134.6万农户增收33.2亿元。企业财产保险原保险保费收入52.07亿元,同比下降10.5%;综合成本率97.8%,同比优化0.5个百分点。紧跟国家“十五五”规划战略导向,全面践行保险金融支持新质生产力的发展要求,聚焦高端装备、清洁能源、半导体、生物医药等国家战略产业,充分发挥保险“稳定器”与“减震器”功能,全力护航实体经济高质量发展。在风险管理上,依托鹰眼系统(DRS3.0)多灾种模型和海量数据优势,打造“保前风险筛选、保中动态预警、保后快速定损”的全链条闭环管控体系,实现风险的精准识别与差异化定价。同时,深耕新兴业务领域,首创海上风电管理平台,突破深远海海上风电风险评估与定价瓶颈,全面助力海上风电产业升级;自主研发网络安全风险评估与定价模型,解决网络风险“难以量化”难题,为数字经济安全构筑起坚实的技术防线。保险资金投资组合概览本公司的保险资金投资组合由寿险及健康险业务、财产保险业务的可投资资金组成。截至2026年6月30日,公司保险资金投资组合规模6.61万亿元,较年初增长1.9%。公司保险资金投资始终秉持长期投资、匹配负债的指导思想。2026年上半年,本公司保险资金投资组合实现非年化综合投资收益率2.1%,同比下降1.0个百分点。近10年,实现平均净投资收益率4.8%,平均综合投资收益率4.9%,超内含价值长期投资回报假设。投资收益2026年上半年,本公司保险资金投资组合非年化综合投资收益率2.1%,同比下降1.0个百分点,主要由于高股息及低波动权益资产表现不及去年同期。公司债券截至2026年6月30日,本公司保险资金投资组合的公司债券规模为999.67亿元,在总投资资产中占比1.5%,较年初上升0.2个百分点。从信用水平上看,本公司保险资金投资的公司债券信用较好,其中外部信用评级约100%为AA及以上,约54.2%为AAA及以上评级;从信用违约损失来看,本公司保险资金投资的公司债券整体风险较小,稳健可控。债权计划及债权型理财产品投资债权计划及债权型理财产品包括由保险资产管理公司设立的债权投资计划、信托公司设立的债权型信托计划、商业银行设立的债权型理财产品等。截至2026年6月30日,本公司保险资金组合投资的债权计划及债权型理财产品规模为2,843.32亿元,在总投资资产中占比4.3%,较年初下降0.7个百分点。债权计划及债权型理财产品结构和收益率分布本公司高度关注市场信用风险,确保保险资金组合所持有的债权计划及债权型理财产品整体风险可控。从信用水平上看,资产信用水平较好,本公司所持有的债权计划和信托计划外部信用评级99.4%以上为AAA;除部分高信用等级的主体融资免增信外,绝大部分项目都有担保或抵质押。从行业及地域分布看,本公司主动规避高风险行业和区域,目标资产分散于非银金融、高速公路等行业,主要集中于北京、上海、广东等经济发达和沿海地区。股权型理财产品投资截至2026年6月30日,本公司保险资金组合投资的股权型理财产品投资规模为433.88亿元,在总投资资产中占比0.7%。本公司持有的股权型理财产品,绝大部分属于保险资产管理公司产品,底层多为国内外优质公司二级市场流通股票,无显著流动性风险。另外少部分为非上市股权投资基金,且底层多为国家或地方政府合伙企业的股权,风险可控。不动产投资截至2026年6月30日,本公司保险资金投资组合中不动产投资余额为2,052.54亿元,在总投资资产中占比3.1%,该类投资以物权投资为主(包含直接投资及以项目公司股权形式投资的持有型物业),采用成本法计量,在不动产投资中占比84.7%。主要投向商业办公、物流地产、产业园、长租公寓等收租型物业,以匹配负债久期,贡献相对稳定的租金、分红等收入,并获取资产增值;除此之外,债权投资占比5.5%,其他股权投资占比9.8%。投资风险管理公司高度重视资产负债相匹配的风险管理,不断健全以偿付能力充足率为核心量化指标的风险偏好体系,并持续开展压力测试及跟踪检视,前置风险管理于大类资产配置流程。在市场波动加大时,针对突发情景增加压力测试频率,保障在市场冲击下保险资金投资组合的安全。公司进一步强化制度与流程建设,通过规范业务流程,健全投资风险管理架构,完善包括风险准入策略、信用评级、交易对手及发行管理人授信管理、集中度管理、风险监控和应急管理等关键流程,不断提升风险管理独立性和有效性。同时,公司通过科技手段赋能投后关键事项管理,持续优化风险预警平台,在投资组合汇总并表监控的基础上,全面扫描市场波动、负面舆情、财务变动等各类风险信号,系统通过智能模型分析,自动形成前瞻性指标并展开预警,做到投资风险早发现、早报告、早化解、早处置。公司在符合监管集中度要求基础上,进一步强化实质风险管控。根据审慎、全面、动态、独立的原则,完善投资资产集中度管理的制度和流程,优化集团及成员公司投资资产集中度限额体系。同时,公司不断强化大额客户的集中度限额占用、预警和调整机制,加强重点行业及风险领域的监控和管理,防止因投资资产过度集中于个别交易对手、行业、区域、资产类别,间接对公司偿付能力、流动性、盈利能力或声誉造成风险。公司持续健全和完善投资风险管理体系建设,围绕投资风险偏好管理、风险模型体系、运营机制、监控追踪机制和风险评价体系等不断健全制度、优化流程、提升管理、落实执行,并建立投资风险管理数字化平台,实现贯穿投前、投中和投后的全流程管控,提升投资风险的线上化和智能化管理水平。银行业务概览平安银行坚持以“中国最卓越、全球领先的智能化零售银行”为战略目标,坚持“零售做强、对公做精、同业做专”战略方针,持续升级零售、对公、资金同业业务经营策略,全力做好金融“五篇大文章”,持续强化风险管理,深化数字化转型,助推高质量发展。平安银行整体业务经营稳健,营收利润同比增长。2026年上半年,实现营业收入706.17亿元,同比增长1.8%;实现净利润256.96亿元,同比增长3.3%。平安银行持续加强风险管控,资产质量整体平稳。截至2026年6月30日,不良贷款率1.05%,与年初持平;拨备覆盖率219.58%,风险抵补能力保持良好。平安银行推动零售业务高质量、可持续发展。截至2026年6月30日,管理零售客户资产(AUM)44,002.27亿元,较年初增长3.8%;2026年上半年个人存款平均付息率同比下降40个基点至1.52%。零售业务平安银行坚持零售战略定位不动摇,深化推进零售战略转型,以客户为中心,打造特色零售银行,围绕“效益优先、兼顾规模”的经营目标,推动零售业务高质量、可持续发展。大财富管理业务:平安银行借助场景化经营促进活期存款沉淀,通过强化公私融合释放一体化经营动能,存款业务结构及成本持续优化;截至2026年6月30日,个人存款余额12,918.36亿元,较年初增长0.3%;代发及批量业务带来的客户存款余额4,102.70亿元,较年初增长4.2%;2026年上半年,个人存款平均付息率同比下降40个基点至1.52%。同时,平安银行提升财富队伍的综合资产配置能力,将银保业务打造为大财富业务增长的重要引擎;2026年上半年,代理个人保险收入10.07亿元,同比增长51.2%。贷款业务:平安银行持续优化贷款业务结构,加大住房按揭、新能源汽车贷款投放力度;同时,升级全流程风险管控策略,促进“量、价、险”平衡。截至2026年6月30日,平安银行个人贷款余额17,269.73亿元,其中抵押类贷款占个人贷款的比例达62.2%;个人新能源汽车贷款余额较年初增长5.2%。对公业务平安银行对公业务聚焦产业金融、科技金融、供应链金融、跨境金融、普惠金融重点方向,持续支持服务实体经济,并升级公私融合经营机制,支持全行业务均衡发展。资金同业业务平安银行资金同业业务通过“投资交易+客户业务”双轮驱动,持续提升投资、交易和销售三大能力,助力金融市场高质量发展。平安银行密切关注国内外市场变化,加强市场趋势研判,在保证资产端流动性和安全性的前提下,采取多元化资产配置策略,平衡风险与收益。平安银行依托客户综合服务优势,在交易服务、企业避险、机构销售、资产托管领域积极发力。2026年上半年,平安银行境内外机构销售的现券交易量4.82万亿元,同比增长84.7%;在平安银行办理外汇即期及衍生品避险业务的客户达13,913户,同比增长9.9%;截至2026年6月30日,“行e通”平台注册用户数2,807户;资管类产品托管资产规模5.06万亿元。银行业务利源分析2026年上半年,平安银行实现净利润256.96亿元,同比增长3.3%。平安银行实现营业收入706.17亿元,同比增长1.8%。净息差1.80%,与去年同期持平,较去年全年上升2个基点。非利息净收入同比增长5.8%,主要是财富管理、债券投资等业务的非利息净收入同比增长。平安银行通过数字化转型驱动降本增效,业务及管理费191.08亿元,同比下降0.5%,成本收入比27.06%,同比下降0.62个百分点。同时,平安银行加强资产质量管控,加大不良资产清收处置力度,资产质量整体平稳,信用及其他资产减值损失199.33亿元,同比增长2.5%。资产质量2026年上半年,宏观经济总体平稳,但外部环境仍存不确定性。平安银行响应国家战略,积极服务实体经济,持续加大问题资产处置力度,资产质量整体平稳。零售资产质量方面,平安银行持续升级风险模型,实现更精准的客群分类;同时,持续优化客群和资产结构,落实客户分类分层经营,推进优质资产投放,加大不良贷款处置,零售资产质量保持稳定,个人贷款不良率与年初持平。对公资产质量方面,平安银行持续迭代风险政策,持续优化风险监控体系,重点加强房地产风险管控,强化不良资产清收处置力度,企业信贷风险指标总体平稳。资本充足率平安银行持续强化资本内生积累,提升资本精细化管理水平,截至2026年6月30日,各级资本充足率均满足监管达标要求。平安理财基本情况平安银行的全资子公司平安理财坚守风险合规底线,坚持稳健投资策略,优化产品结构,践行社会责任。截至2026年6月30日,平安理财管理的理财产品余额9,783.89亿元。资产管理业务概览本公司主要通过平安证券、平安信托、平安融资租赁和平安资产管理等公司经营资产管理业务。公司持续提升大类资产配置能力、长期稳定收益获取能力及多资产组合管理能力,给客户提供持续稳健的投资回报。同时,公司将不断夯实风险管理能力、提升资产负债管理能力,以客户为中心,追求高质量发展,积极助力实体经济提质增效,持续加强对国家重大战略、重点领域项目的支持。公司资产管理规模稳步提升。截至2026年6月30日,公司资产管理规模超9.2万亿元。证券业务本公司通过平安证券及其子公司向客户提供证券经纪、期货经纪、投资银行、资产管理及财务顾问等服务。2026年以来,面临多变的市场环境与激烈的存量竞争,平安证券深入贯彻“十五五”规划纲要精神,全力做好“五篇大文章”,提升金融服务实体经济效能。同时,紧密围绕集团综合金融战略,坚持以客户为中心,通过构建“一体化服务体系”,为客户提供“高效率、有温度、有价值、一致性”的服务,致力于成为有温度的证券平台服务商,实现高质量发展。2026年上半年,平安证券净利润40.11亿元,为自平安证券成立以来同期最高水平,同比增长31.5%;非年化ROE7.7%,同比上升1.4个百分点,盈利能力位居行业前列。经纪业务深化财富管理转型,夯实核心能力作为专业的财富管理机构,平安证券始终将“金融为民”作为根本使命,以客户需求为导向,构建多样的产品和服务体系,引领财富管理行业向买方投资顾问转型,提升财富管理服务效能,助力居民财富保值、增值。客户端,以客户为中心,夯实“洞察-策略-账户”三大核心能力建设。洞察侧基于客户旅程进行标签等基础建设并形成客群宫格和客户画像,策略侧构建完善商机服务矩阵及策略图谱,账户侧围绕账户完整性、特色性、价值性目标进行建设及创新探索,让客户服务更精准、有温度,提升客户体验。截至2026年6月30日,平安证券个人客户数超2,659万,A股资金账户数排名行业第二(1);价值客户数763.68万,较年初增长3.1%,客户留存率达98%。2026年上半年,平安证券新增客户数118.14万,同比增长149.1%;APP用户活跃度持续领先同业,月活跃用户数稳居券商前三。产品端,持续深化财富管理转型,打造平安证券核心产品与服务图谱,持续完善私募FOF自主品牌“平安30”及“安心投顾”品牌建设,做强场内特色ETF、创新工具、融资融券及投顾服务,满足客户投资需求。截至2026年6月30日,平安证券产品保有规模(2)1,457.87亿元,较年初增长14.0%;融资融券业务规模1,119亿元,市场份额3.70%,较年初提升5个基点。投行聚焦精品策略,打造特色生态根据新“国九条”为建设一流投资银行绘制的清晰路线,平安证券继续把功能性放在首位,以聚焦促进特色化,以精细管理创造精品化,坚定实施特色精品投行策略,加速向一流投资银行迈进,践行金融为民责任担当,助推经济社会高质量发展。股权业务深化“一个深耕(PE)、两个突破(重点行业与区域)”策略,构建PE生态圈,强化定向直营获客,深入研判六大未来产业趋势,深化境内外港股合作,持续提升专业服务能力。债权业务坚持“聚焦重点地区与产品”,统一渠道策略并深化外部机构合作,加强客户分类分层经营,优化“1+N”服务体系,承销业绩排名位于行业前列。同时,积极服务国家重点战略领域,2026年上半年累计承销科技、绿色、普惠类公司债和ABS共104只,承销规模368.37亿元,同比增长74.5%。交易与资管持续强化专业能力,构筑差异化优势交易业务深化“交易+服务”的战略方向,依托交易定价能力强化输出,以客户需求为导向,持续提升交易对冲及产品研发能力,服务赋能延长自营价值链。2026年上半年,交易收益率跑赢市场对标。资管业务锚定绝对收益和资产配置价值主张,聚焦特色策略和重点客群,持续深化核心能力输出,打造差异化核心竞争力和特色资管品牌。截至2026年6月末,资产管理规模排名行业第九。信托业务平安信托坚持改革创新,以“新三分类”政策为导向,以“1+N”监管制度体系与长效机制为指引,持续打造轻资产、服务型信托专家,积极转型服务银行和寿险,融入集团“综合金融+医疗养老”战略,财富服务信托存续及新增规模持续保持市场领先地位。截至2026年6月末,受托管理资产规模11,893.87亿元。2026年上半年,平安信托持续夯实合规风控、深化科技赋能。公司开展“合规管理再提升”专项活动,聚焦治理完善和管理提升,推动实质合规、主动合规、全员合规,为公司稳健经营、夯实发展奠定基石。公司将智能风控与数字化风控贯穿业务全流程,持续升级DeepTrust大模型平台,通过科技赋能提升风控效率与精准度,有效防控各类风险,为公司转型发展筑牢安全屏障。截至2026年6月30日,平安信托净资本规模160.28亿元,净资本与各项业务风险资本之和的比例为267.3%(监管要求≥100%),净资本与净资产比例为77.3%(监管要求≥40%),均符合监管要求。平安融资租赁平安融资租赁从事融资租赁业务,业务范围覆盖全国,资产规模超3,000亿元,综合实力位列行业第一梯队。自2013年成立以来,平安融资租赁坚守服务实体经济、推动行业进步、助力产业升级的初心,累计投放实体经济超万亿元。作为行业创新领军者,平安融资租赁充分发挥“融资+融物”的业务属性优势,持续探索新的行业方向和产业领域,提供贴合客户需求的多元化融资租赁产品,打造“产业租赁、数字租赁、平台租赁、生态租赁”四张特色名片,致力于成为国际领先、专注行业、服务实体、模式独特的创新型租赁专家。平安融资租赁持续完善风险管控体系,以全流程精益管理赋能发展,经营发展态势稳健向好。截至2026年6月末,平安融资租赁不良资产率1.01%,较年初持平,风险保持低位,且拨备计提充足,风险抵补能力保持良好。同时,平安融资租赁持续优化风险管控政策,完善风险监控体系,强化风险预警机制,健全风险识别与处置的闭环管理,多措并举加强风险资产清收处置,全域风险保持稳定可控。平安资产管理平安资产管理负责本公司境内投资管理业务,接受委托管理本公司保险资金的投资资产,同时提供全面的第三方资产管理服务,为境内外各类机构投资者提供多元化一站式投资管理解决方案。平安资产管理始终坚持价值投资与长期投资理念,以客户为中心,做长期正确的事,获得市场广泛认可。作为中国最具影响力的专业资管机构之一,平安资产管理具有长期丰富的资产配置与投资管理经验。截至2026年6月30日,平安资产管理的受托资产管理规模6.40万亿元。金融赋能业务概览公司主要通过平安健康等子公司打造金融赋能生态圈,向客户提供多种金融产品和医疗健康服务。平安健康平安健康(联交所股票代码:01833.HK,股票简称“平安好医生”)服务平安集团“综合金融+医疗养老”战略,作为平安集团医疗养老生态圈的核心旗舰,与综合金融,尤其是保险业务协同闭环,以打造中国特色的管理式医疗模式,建立差异化优势。2026年上半年,平安健康实现营业收入24.84亿元,净利润2.19亿元,调整后净利润2.27亿元。在协同闭环构建方面,平安健康作为“综合金融+医疗养老”战略的关键一环,助力集团构筑差异化服务竞争壁垒,赋能综合金融主业增长,进一步通过丰富的医疗健康数据信息与主业发展形成模式闭环,实现整体高质量发展。在商保协同业务方面,平安健康作为医疗养老服务方,服务于集团个人金融用户,赋能平安寿险、平安产险、平安健康险、平安银行等支付方;平安健康持续深化医险协同模式,打磨迭代“保险+医养”产品服务、深化主动健康管理与运营,提升对集团的个人金融用户的服务渗透,并持续优化用户服务体验。在企业健管业务方面,协同集团为企业打造了“商业保险+健康保障计划+医疗健康服务”一体化解决方案,平安健康将医健服务与平安产险、平安养老险、平安健康险等公司的企业补充保险、健康保障计划等产品相结合,为企业客户提供主动式医疗管理,覆盖特色诊疗、特色药品、特色健康管理服务等,保障员工健康与福利。截至2026年6月末,平安健康过去12个月服务付费企业客户超7,700家。平安健康经过多年的探索,积累了较为丰富的医疗健康管理经验,公司持续建设广覆盖、高质量、高性价比的“四到”服务体系,形成覆盖全场景、全周期的医疗健康管理闭环。在科技能力建设方面,公司持续提升AI应用赋能,通过AI与真人医生的有机结合,坚守严肃医疗理念,并提供兼具温度和专业度的服务。到线服务方面,汇聚了超3,700位签约专家医生,AI+真人医生服务覆盖100%集团个人客户,AI医生使用人数超970万人,7x24小时全天候提供线上问诊服务、专业第二诊疗意见。到院╱到店服务方面,平安健康构建的医院医生网络涵盖全国百强医院和本地领先综合医院。合作甄选医院达3,216家,合作药店数近24.5万家。根据客户的所在地、病症及习惯偏好,系统能够精准为客户匹配适宜的就医选择,让客户就医更加便捷、高效。同时,针对企业健管客户线下购药等场景,公司持续推进通过直连方式的平安医健付服务,可在全国14.9万家药店实现二维码支付,并布局推广企业健管客户就医(全国公立二级及以上医保定点医院)便捷支付。到家服务方面,打通“智能管家+生活管家+医生管家”三位一体管家,升级推出“7好”王牌服务体系,覆盖睡眠、营养、运动等一系列居家场景,通过主动管理、聚焦刚需、服务可视,为客户提供一套完整的主动健康管理体系。同时,协同集团打造了全球急难救援服务,为平安客户提供秒级响应、全面覆盖、一救到底的全方位紧急医疗服务。到企服务方面,平安健康致力于通过主动健康管理服务、企业医务室与到企服务等,守护企业员工健康;通过企业健康保障计划,帮助企业提升生产力与效率,增加员工满意度、幸福感与忠诚度。2026年上半年,平安健康创新升级企业医务室综合解决方案,打造“科技+医疗+服务”三位一体的智慧健康新范式。平安健康将在“综合金融+医疗养老”融合的大趋势下,依托集团庞大的客户基础与企业服务优势,持续完善服务网络优势、专业服务优势、成本效率优势的基础护城河,未来将逐步对外辐射服务能力,为更多的企业和用户提供优质的健康管理服务,开辟多元增长路径。"}]}