平安产险经营分析报告

平安产险2010年3月份经营业绩简要报告2010年4月30日1总体KPI指标达成情况关键指标情况分析市场及同业对比分析主要内容23月产险KPI指标总体达成情况单位：亿元•核心指标：•综合成本率：考核口径98.2%，同比下降3.2个百分点。•市场份额：达到14.8%，较09年底提升1.9个百分点，较全年计划高出1.6个百分点。•监测指标：新渠道综合成本率和香港产险净利润未达成月度计划，其他监测指标达成分月目标。全年计划累计达成时间进度达成率/与计划比去年同期同比/与同期比权重分月累计计划得分/是否达成得分小计KPI得分15.24.9129.7%1.0—20%0.913098.8%98.2%-0.6%101.4%-3.2%40%103.2%13013.2%14.8%1.6%11.8%3.0%40%14.0%130436.0150.7138.3%88.769.9%116.7是38.5%38.5%0.0%38.9%-0.3%44.0%是17.7%14.9%-2.7%15.7%-0.7%16.5%是产销银行对公存款22.519.5346.4%4.2364.7%16.0产销银行对公贷款22.426.9480.0%6.9291.3%21.7产销年金10.22.077.6%2.5-21.8%3.058.5%61.7%3.2%47.7%14.0%56.3%是60.023.2154.5%6.9236.4%13.4是99.0%99.7%0.7%105.3%-5.6%99.4%否个人客户1100.01150.1418.2%850.835.2%1042是团体客户165.0164.7399.3%154.66.5%159.2是863.5179.082.9%209.0-14.4%367.9否130.00香港产险净利润(万港元)客户累计数（万个）个车优质业务续保率市场占有率保费收入自身业务及管理费用率120.0得分情况达成情况新渠道保费收入新渠道综合成本率是KPI指标净利润综合开拓渠道方指标综合成本率(IAS)核心指标监测指标监测指标为扣分项，共计10项，产险安全边际为2项IAS综合费用率3总体KPI指标达成情况关键指标情况分析市场及同业对比分析主要内容4总体及分险种保费达成及增速对比单位：亿元•产险达成考核保费收入150.7亿，分月计划达成率为123.6%。车险达成率最高，分月计划达成率为125.5%。•产险总体保费增长达到69.9%，较2月份回落5个百分点。其中车险增速仍然最快，同比增长达到84.3%；当月计划当月达成达成率去年同期同比增长全年计划分月累计计划累计达成时间进度达成率分月计划达成率去年同期同比增长车险31.939.4123.5%22.674.1%353.691.5114.8129.9%125.5%62.384.3%财产险7.88.8111.7%6.632.1%82.525.030.2146.5%120.9%21.540.5%意健险1.92.1106.1%1.95.9%19.45.55.7118.3%104.7%4.917.0%全部业务41.750.2120.4%31.260.9%455.5121.9150.7132.4%123.6%88.769.9%2010年3月当月达成比较累计达成比较5分险种保费结构对比•财产险分明细险种占比情况•意健险分明细险种占比情况•分险种总体占比情况18.2%5.5%4.6%54.8%55.6%48.5%20.6%21.7%22.4%24.2%20.0%3.8%0%20%40%60%80%100%本月去年同期去年底个车团车财产险意健险6.8%11.2%11.7%9.7%9.5%5.0%6.7%41.2%40.5%45.6%13.7%14.4%15.4%10.6%8.6%11.1%11.4%7.0%5.6%2.9%8.1%0%20%40%60%80%100%本月去年同期去年底企财险工程险特殊风险责任险货运险船舶险个财险•车险方面，3月份个车增长达到94.5%,占比较去年同期提升7.1个百分点，达到55.6%。与市场车险结构比，占比高于市场3.8个百分点。•财产险方面，个人财产险、责任险、货运险、船舶险占比与去年同期比有所提高。与上月比，占比变化较大的是个财占比提高0.8个百分点，货运险占比提高0.4个百分点，特殊风险占比下降1.7个百分点。•意健险方面，健康险较去年同期下降5.9个百分点，占比较2月下降2.4个百分点，意外险占比继续提高。62.1%68.0%66.0%34.0%37.9%32.0%0%20%40%60%80%100%本月去年同期去年底意外险健康险6分险种考核口径承保利润单位：亿元•从3月份数据情况分析，未出现明显异常情况，三大险种均有承保盈利：车险COR99.3%，较去年底降低0.6个百分点。财产险COR94.5%，较去年底升高2.1个百分点。意健险COR98.7%，与去年底基本持平。本月上月去年底本月上月去年底本月上月去年底本月上月去年底报表保费收入114.875.4296.030.221.469.95.53.517.2150.5100.3383.2净已赚保费74.947.8214.312.17.939.14.42.815.891.358.5269.2净已赚率65.2%63.5%72.4%40.1%36.9%56.0%79.2%80.9%91.5%60.7%58.4%70.2%已报告赔付率56.6%60.1%63.2%33.4%59.0%41.3%46.7%49.0%52.7%53.0%59.4%59.4%综合赔付率62.4%63.0%64.2%48.1%65.9%47.0%53.7%54.1%53.2%60.1%62.9%61.1%综合费用率36.9%34.1%35.7%46.4%39.8%45.4%46.0%43.4%43.3%38.5%35.3%37.6%COR99.3%97.1%99.9%94.5%105.7%92.4%99.6%97.5%96.5%98.7%98.3%98.6%承保利润0.51.40.20.7-0.43.00.020.10.51.21.03.7合计分险种车险财产险意健险792.1%99.4%99.4%12.9%69.1%5.6%6.3%24.5%81.5%6.6%0%20%40%60%80%100%新渠道综合开拓车行重点客户混合渠道车险意健险财产险分渠道保费收入达成及结构对比分月累计计划实际达成达成率去年同期同比增长综合开拓17.520.7118.2%13.059.6%新渠道14.723.2157.6%6.9236.4%车行19.825.6129.1%11.8117.2%重点客户13.015.4119.1%12.028.6%其他渠道56.565.9116.6%45.146.2%合计121.9150.7123.6%88.769.9%分渠道与计划比与去年同期比15.4%7.8%11.1%10.2%13.5%9.1%13.7%14.6%14.8%48.3%43.7%50.8%17.0%13.3%16.7%0%20%40%60%80%100%本月去年同期去年底单位：亿元综合开拓重点客户新渠道车行其他渠道意健险1.3%•3月份，公司重点掌控渠道（综拓、新渠道、车行、重客）保费占比达到56.3%，较去年同期提升7.1个百分点，较去年底提升4.6个百分点。•分渠道保费占比•各渠道细分险种保费占比情况•分渠道保费达成和同比增长8本月去年底本月去年底本月去年底本月去年底本月去年底本月去年底报表保费收入20.556.423.242.525.664.215.435.065.9185.1150.5383.2净已赚保费13.942.711.824.515.940.74.713.945.0147.491.3269.2净已赚率67.9%75.8%50.9%57.5%62.3%63.4%30.3%39.7%68.4%79.6%60.7%70.2%已报告赔付率53.9%58.9%60.6%63.7%54.8%64.4%42.1%42.5%51.2%59.1%53.0%59.4%综合赔付率60.6%60.0%65.9%65.6%59.7%65.8%53.2%48.3%59.3%60.5%60.1%61.1%综合费用率40.1%34.7%33.8%34.6%35.1%31.4%37.8%32.6%40.6%41.0%38.5%37.6%COR100.7%94.8%99.7%100.2%94.9%97.2%91.1%80.9%99.9%101.6%98.7%98.6%承保利润-0.12.20.04-0.10.81.20.42.60.1-2.31.23.7分渠道综合开拓新渠道车行重点客户其他渠道合计分渠道考核口径承保利润单位：亿元9个车优质业务续保率对比•当月个车优质业务续保率情况•累计个车优质业务续保率情况62.2%57.2%58.4%61.6%58.9%56.4%56.7%54.0%49.6%50.2%47.2%45.6%44.7%46.0%43.6%40.0%45.0%50.0%55.0%60.0%65.0%1月2月3月4月5月6月7月8月9月10月11月12月2009年2010年61.7%55.3%54.7%53.1%52.1%51.0%50.0%49.3%48.3%47.5%46.9%46.4%43.6%61.1%62.2%40.0%45.0%50.0%55.0%60.0%65.0%70.0%1月2月3月4月5月6月7月8月9月10月11月12月2009年2010年•3月当月个车优质业务续保率58.4%，同比提高13.7个百分点。•一季度累计个车优质业务续保率为61.7%，同比提高14.8个百分点。10区域整体及分渠道保费收入达成对比单位：亿元全年计划实际达成时间进度达成率同比增长全年计划实际达成时间进度达成率同比增长全年计划实际达成时间进度达成率同比增长东区151.048.9129.5%64.4%20.76.1118.8%44.8%31.310.7136.3%225.0%南区123.539.2127.0%59.0%18.95.7120.1%56.0%12.84.4137.7%228.3%西区75.926.6140.2%78.6%10.83.4125.2%76.5%6.02.4157.7%267.8%北区105.136.0137.2%85.5%17.75.5124.2%73.2%16.25.8141.9%254.0%综合开拓新渠道全部业务渠道全年计划实际达成时间进度达成率同比增长全年计划实际达成时间进度达成率分月计划达成率上年同期同比增长全年计划实际达成时间进度达成率同比增长东区65.820.2122.9%30.7%11.24.3154.2%114.8%3.522.2%22.17.6137.1%133.6%南区56.217.6125.3%39.7%12.04.6151.5%121.6%3.433.5%23.57.0118.8%90.6%西区42.014.6138.8%67.6%5.82.0135.7%98.7%1.87.6%11.34.3153.1%138.9%北区40.013.5134.9%62.2%11.44.6160.2%132.8%3.241.2%19.76.7136.3%119.0%渠道其它渠道重点客户车行11区域分险种保费收入达成对比单位：亿元全年计划实际达成时间进度达成率同比增长全年计划实际达成时间进度达成率同比增长全年计划实际达成时间进度达成率同比增长东区116.437.4128.4%85.2%28.09.7138.9%27.6%6.61.8108.8%-7.4%南区95.428.6119.8%63.0%23.08.9155.5%51.0%5.01.7134.5%39.9%西区61.421.4139.2%92.6%10.64.0152.7%40.9%3.91.2122.3%28.1%北区80.427.5136.8%103.6%20.97.5143.7%46.7