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Investor Relations14 Oct 2025
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PICC Property and Casualty (2328) investor relations material
PICC Property and Casualty H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary27 Aug, 2025
Executive summary
Achieved record highs in consolidated net profit (RMB 36.2bn), net assets (RMB 390.6bn), and total investment income (RMB 40.8bn) for H1 2025, with strong share price performance and market leadership.
Original insurance premium income rose 3.6% year-over-year to RMB 323,282 million, maintaining a 33.5% market share in China's property insurance sector.
Net profit for the period rose 32.3% year-over-year to RMB 24,455 million, with return on equity (unannualized) of 9.0%.
Underwriting profit increased 44.6% to RMB 13,015 million, and the combined ratio improved to 94.8%.
Proposed interim dividend of RMB 0.24 per share, totaling RMB 5,338 million.
Financial highlights
Group premiums income grew 6.4% year-over-year to RMB 454.6bn; P&C premiums up 3.6%, life & health premiums up 13.8%.
Insurance revenue grew 5.6% year-over-year to RMB 249,040 million.
Total investment income rose 26.6% to RMB 17,260 million, with an unannualized investment yield of 2.6%.
Comprehensive solvency margin ratio improved to 235.4%, and core solvency margin ratio to 213.2%.
Basic earnings per share was RMB 1.099, up from RMB 0.831 year-over-year.
Outlook and guidance
Focus for H2 2025 includes strengthening core functions, supporting new productive forces, expanding domestic demand, and promoting reforms in corporate governance, digital, and talent.
Plans to deepen reforms, enhance digital transformation, and focus on high-quality development aligned with national strategies.
Will expand science and technology, green, inclusive, elderly care, and digital finance, and optimize asset allocation for stable returns.
Emphasis on high-quality development, cost reduction, efficiency improvement, and risk prevention.
Committed to strengthening risk management, compliance, and operational efficiency.
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Next PICC Property and Casualty earnings date
Q3 202528 Oct, 2025
Next PICC Property and Casualty earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
PICC Property and Casualty Company Limited is a China-based insurance company specializing in property and casualty insurance services. A subsidiary of the People’s Insurance Company of China, PICC P&C provides a broad range of insurance products, including auto, property, liability, and agricultural insurance. Serving both individual and corporate clients, the company focuses on financial protection and risk mitigation across various sectors. PICC P&C is one of the key players in China’s non-life insurance market, leveraging a vast distribution network to reach clients nationwide. The company is headquartered in Beijing, China, and its shares are listed on the Hong Kong Stock Exchange.
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