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China Pacific Insurance Company (601601) investor relations material
China Pacific Insurance Company Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Insurance revenue for the first three quarters was RMB 216.89 billion, up 3.6% year over year, reflecting steady progress and a focus on core business transformation.
Net profit attributable to shareholders reached RMB 45.70 billion, up 19.3% year over year, supported by insurance performance and investment gains.
Operating revenue for the first nine months was RMB 344.90 billion, up 11.1% year over year.
OPAT was RMB 28.4 billion, up 7.4% year over year, driven by insurance and investment performance.
Profit growth was driven by capital market gains and improved insurance service performance.
Financial highlights
Life insurance premium income was RMB 263.86 billion, up 14.2% year over year; new business value rose 31.2% to RMB 15.3 billion.
Agency channel premium income was RMB 184.3 billion, up 2.9%; bank channel gross written premiums were RMB 58.3 billion, up 63.3%.
Property & casualty insurance gross written premiums were RMB 160.21 billion, up 0.1%; auto insurance premiums rose 2.9%, non-auto premiums fell 2.6%.
Group investment assets reached RMB 2,974.78 billion, up 8.8% year over year; annualized net investment yield was 2.6% (down 0.3 pts), total investment yield was 5.2% (up 0.5 pts).
Net cash flow from operating activities for the first nine months was RMB 169.40 billion, up 31.6% year over year.
Outlook and guidance
Regular premium business expected to grow 5–10% next year, with Q1 growth outpacing Q2 and Q3.
Bank channel regular premium business projected to grow 10%, with life insurance targeting 20–30% growth and even higher MBV growth.
Product mix to become more diversified, with increased focus on unit-linked and high-end products.
Health insurance share to rise in 2026, driven by strong policy support and customer demand.
Continued focus on high-quality growth, business structure optimization, and digital transformation.
Bank channel growth drivers for 2026
Equity strategy: high dividend vs. growth stocks
P&C combined ratio: NEV and other impacts
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Next China Pacific Insurance Company earnings date
H2 202526 Mar, 2026
Next China Pacific Insurance Company earnings date
H2 202526 Mar, 2026
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Frequently asked questions
China Pacific Insurance (Group) Co., Ltd. is a China-based insurance company offering a comprehensive range of insurance products and services. The company operates through its life and property insurance subsidiaries, providing personal and commercial insurance solutions, including life, health, auto, and property insurance. Additionally, China Pacific Insurance offers asset management services, leveraging its expertise in investment to enhance returns for policyholders and shareholders. The company serves individuals, businesses, and institutions across China, with a focus on financial protection and risk management. The company is headquartered in Shanghai, China, and its shares are listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange.
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