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20230407_海通证券_保险行业2022年报回顾与展望：22年资负两端触底看好23年复苏向上_36页.pdf

Table_MainInfo/2023 04 07 Table_InvestInfo Table_QuoteInfo-14.96%-7.65%-0.34%6.97%14.28%21.59%2022/4 2022/7 2022/10 2023/1 Table_ReportInfo 2 2023.04.02 1 2 2023.03.23 2 2023.03.17 Table_AuthorInfo:Tel:(010)50949926 Email:S0850515040002:Tel:010-56760090 Email:22 23 2022 Table_Summary 2022-19%1 750 2022-37%-18%-8%-34%+13%2+0.3%+13.5%3-9%-5%EV+2%EV EV NBV 1 Q2-20%2 6.4pct 3 NBV NBV NBV-20%-24%-31%-60%-17%NBV 4 NBV margin 7.3pct-3.7pct-11.9pct 5 33%-19%-49%6 3.4%1+8%+10%+12%+0.5pct 2 Q4+6%+7%+7%-1.1pct-2.4pct-2.6pct 3 97.6%100.3%97.3%-1.9pct+2.3pct-1.7pct 2022+1.3pct 1+8%12%2+-0.1pct/+0.9pct+1.3pct-2.5pct+2.6pct 11.4%3-1.4pct-2.8pct-1.6pct-3.8pct 552 45 1 2023 2 Q1 NBV 2 2.85%3 2023 4 6 0.36-0.73 2023E P/EV 2 1.-19%+0.1%+2%.6 1.1 19.0%.6 1.1.1 750.6 1.1.2 2022 2021.8 1.1.3.9 1.2 EV.10 2.NBV.11 2.1 22Q2.11 2.2 NBV.12 2.3 NBV margin.14 2.4-33%.16 2.5+.17 2.6 NBV EV.18 3.+9.5%.20 3.1+9.5%Q4.20 3.2.22 4.24 4.1.24 4.2-1.4pct-2.8pct.24 4.3+-0.1pct.26 4.4.27 5.2023.29 5.1 2023.29 5.2+.29 5.3.30 0YEVuNsPtQnMpRoNmRqPrQ6M9R6MoMrRoMtQkPpPmQiNnMrR7NoPmQuOtPqRwMpMoN 3 1 2022 ROE.6 2 2011 750%.8 3 2021-2022.8 4 2021-2022%.9 5 2022 0.3%.9 6 2022 13.5%.9 7.10 8 2022.11 9 Q4.12 10 Q4.12 11 2022 NBV.13 12 2022 NBV.13 13 2007-2022 NBV.13 14 2022 Q1-4 NBV.14 15 2022 NBV.14 16 2022 NBV Margin.15 17.15 18 2014-2022.16 19 2018-2022.17 20.17 21 NBV.17 22 2022.18 23.18 24 EV.19 25.20 26.20 27 2022 Q3.21 28 2022+0.5pct.21 29.22 30 2022.22 4 31 2022.22 32.24 33 2016-2022.25 34 2009-2022.25 35 2022 2.2%.25 36.26 37 2021-2022.27 38 2021-2022.27 39.28 40 AAA.29 41 2023 2.29 42 2023 2+63%.29 5 1 2022.6 2 2019-2022.7 3 750 bps.7 4 2022+0.1%.10 5 2022 EV+1.9%.10 6 NBV NBV margin.15 7 2022.17 8.18 9 2022 EV.19 10.21 11.21 12.22 13.23 14.23 15.24 16.26 17 2022.28 18 2022.28 19.30 20.31 6 1.-19%+0.1%+2%1.1 19.0%2022 1747-19.0%Q4-40%Q3 2022 321 838 246 98 244-36.8%-17.6%-8.3%-34.3%+12.8%Q4-58%-63%+5%+55%+6%2022 ROE 2022 750 1 2022 2021 2022 2021 2022 2021 2022 48486 31117-35.8%50766 32082-36.8%2280 965-57.7%81638 76463-6.3%101618 83774-17.6%19980 7311-63.4%22686 20272-10.6%26834 24609-8.3%4148 4337 4.6%11954 5190-56.6%14947 9822-34.3%2993 4632 54.8%20775 23495 13.1%21638 24406 12.8%863 911 5.6%185539 156537-15.6%215803 174693-19.0%30264 18156-40.0%2021 2022 1 2022 ROE 11.6%6.2%10.5%3.5%16.5%11.8%10.9%7.0%17.1%17.4%20.7%20.9%24.4%20.0%13.0%10.1%14.2%9.1%10.9%12.6%16.9%12.6%12.2%10.8%16.2%8.5%8.8%12.3%19.4%15.4%14.2%9.3%18.5%11.9%12.7%9.4%13.4%10.4%10.3%11.1%0.0%5.0%10.0%15.0%20.0%25.0%30.0%2015 2016 2017 2018 2019 2020 2021 2022 2015-2022 1.1.1 750 1 7 2=+1 20 750 750 750 2021 750 15-20bps 2021-15%-77%2022 750 14 bps 2022-345-268-119-113-41-143%-25%-47%-174%-10%750 2 2019-2022 2019 2020 2021 2022-2402-38543-38275-34467-20774-19141-22566-26813-8077-11733-14621-11929-6249-11644-12076-11290-1486-8186-5436-4081 2019 2020 2021 2022-4%-71%-76%-143%-11%-10%-16%-25%-29%-40%-47%-47%-47%-75%-77%-174%-5%-26%-15%-10%2019-2022 3 750 bps 2019Q1 2019Q2 2019Q3 2019Q4 2019 10y 2.33 3.09 3.12 2.23 10.75 20y 0.11 1.67 2.57 2.27 6.61 2020Q1 2020Q2 2020Q3 2020Q4 2020 10y-3.91-6.90-5.31-5.18-21.29 20y-4.37-4.86-3.89-3.26-16.39 2021Q1 2021Q2 2021Q3 2021Q4 2021 10y-5.31-4.24-6.09-4.51-20.16 20y-3.52-2.75-5.21-3.72-15.20 2022Q1 2022Q2 2022Q3 2022Q4 2022 10y-2.80-4.20-3.39-3.45-13.83 20y-2.20-3.94-3.66-4.48-14.28 1 25 2006 3 2009 15 8 IFRS 17 2020 12 25 2020 20 2023 1 1 750 2023 2 2011 750%2.02.53.03.54.04.55.02011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023750 Wind 1.1.2 2022 2021 2022 2021 2022 300 A-21.6%-18.7%-29.4%-15.1%2021-5.2%+9.2%+12.0%+4.8%300-14.5%-15.2%300 A+1.8%+2.9%+2.5%+2.1%2021+1.5%+4.6%+2.4%+2.0%2022 3 2021-2022-35.0%-25.0%-15.0%-5.0%5.0%15.0%25.0%300 A Wind 2022 1 2022 2022 9 18BP 2 2022 8 2.58%4%11+12 2.92%2022 6bps Q4 8bps 2021 37bps Q4 10bps 2022 Q4 4 2021-2022%2.58 2.502.552.602.652.702.752.802.852.902.92 Wind 1.1.3 2022 1484 401+0.3%+13.5%5 2022 0.3%6839471126 1330 1395 1480 1484 38.8%18.9%18.1%4.9%6.1%0.3%0%5%10%15%20%25%30%35%40%45%020040060080010001200140016002016 2017 2018 2019 2020 2021 2022%2016-2022 6 2022 13.5%278.8 311.4 353.5 401.2 11.7%13.5%13.5%10%11%12%13%14%0501001502002503003504004502019 2020 2021 2022%2019-2022=+2022 805 2.4%2013 8.6%2013 10 7 1993254233084547616378669184960294078944187 225 293 382498623745 816 82580511.1%11.3%11.5%11.5%11.0%10.1%9.5%8.9%8.6%8.6%4.0%5.0%6.0%7.0%8.0%9.0%10.0%11.0%12.0%0200040006000800010000120002013 2014 2015 2016 2017 2018 2019 2020 2021 2022)/(%)2013-2022 1.2 EV 2022 2022 EV 2021 2022 2022 18477 0.1%0.7%2022-9.0%+5.7%+0.8%-5.2%+1.1%3-3.8%+2.4%+3.0%+2.8%+0.2%4 2022+0.1%2021 2022Q3 2022Q3 2022 2022 2022 Q3 479061 453446-5.3%436169-9.0%-3.8%812405 838799 3.2%858675 5.7%2.4%226741 221845-2.2%228446 0.8%3.0%108497 100054-7.8%102884-5.2%2.8%219132 221051 0.9%221510 1.1%0.2%1845836 1835195-0.6%1847684 0.1%0.7%2021-2022 EV 2022 EV 12305 14238 5196 2556 1038+2.3%+2.0%+4.3%-1.3%-6.9%-1.6%-1.2%+2.1%-1.3%-5.3%5 2022 EV+1.9%EV 2021 2022H1 2022H1 2022 2022 2022 1203008 1250877 4.0%1230519 2.3%-1.6%1395509 1441261 3.3%1423763 2.0%-1.2%498309 509078 2.2%519621 4.3%2.1%258824 258873 0.0%255582-1.3%-1.3%111431 109568-1.7%103772-6.9%-5.3%3467081 3569657 3.0%3533257 1.9%-1.0%2021-2022 11 2.NBV 2.1 22Q2 2022-2.0%-12.4%-20.1%-17.9%+0.8%2022 2021 2022 2021-4%-16%-44%-21%-6%+16.7%-3.2%-9.4%-28.2%+24.4%+21.0pct+12.5pct+35.0pct-7.3pct+30.1pct 2021 3-0.2%-14.6%-1.6%-24.9%-11.5%Q3+6.4%-13.8%-1.5%+45.5%-10.2%1-2.0%-0.9%-7.6%Q4-26.7%2-10.4%Q1-Q4-15.7%-3.2%-10.2%-5.2%Q4 Q3 5pct 3-19.5%Q1-Q4-43.9%-9.7%+48.2%+35.3%Q4 2021 4 Q4-36.0%-72.6%Q4-59.1%+7.7%5 Q4+29.5%-17.4%Q3+31pct-2pct Q4 2021 8 2022 984 1363 248 218 181 964 1193 198 179 182-2.0%-12.4%-20.1%-17.9%0.8%-25.0%-20.0%-15.0%-10.0%-5.0%0.0%5.0%02004006008001000120014001600 2021 2022%2021 2022 12 9 Q4 145.80 53.00 28.77 20.04 80.99 48.01 41.87 27.06-44.5%-9.4%45.5%35.0%-50.0%-40.0%-30.0%-20.0%-10.0%0.0%10.0%20.0%30.0%40.0%50.0%60.0%020406080100120140160Q1 Q2 Q3 Q42021 2022 2022 2021 2022 10 Q4 512 224 227 191 431 217 204 181-15.7%-3.2%-10.2%-5.2%-18.0%-16.0%-14.0%-12.0%-10.0%-8.0%-6.0%-4.0%-2.0%0.0%0100200300400500600Q1 Q2 Q3 Q42021 2022 2021 2022 2.2 NBV 2022 NBV 360 288 92 24 27-19.6%-24.0%-31.4%-59.5%-17.3%NBV-13.8%-28.5%-45.3%-48.4%-38.1%-31.2%-12.0%+13.5%-83.5%+44.3%2021 13 11 2022 NBV 447803789813412598032273600428820920524232669-19.6%-24.0%-31.4%-59.5%-17.3%-70.0%-60.0%-50.0%-40.0%-30.0%-20.0%-10.0%0.0%05000100001500020000250003000035000400004500050000 2021 2022%2021-2022 12 2022 NBV-13.8%-28.5%-45.3%-48.4%-38.1%-31.2%-12.0%13.5%-83.5%44.3%-100.0%-80.0%-60.0%-40.0%-20.0%0.0%20.0%40.0%60.0%2022 2022 2022 13 2007-2022 NBV-80%-60%-40%-20%0%20%40%60%80%2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2007-2022 14 14 2022 Q1-4 NBV 1898084077850266112589698462752972-33.7%-16.9%-20.1%11.7%-40.0%-35.0%-30.0%-25.0%-20.0%-15.0%-10.0%-5.0%0.0%5.0%10.0%15.0%02000400060008000100001200014000160001800020000 2021 2022%2021 2022 NBV 2022 2022 NBV-22.4%-26.2%-36.2%-59.5%-30.9%-3.3pct-2.4pct-6.9pct-0.1pct-15.3pct NBV+15.9%+174.8%-30.4%+2.4pct+7.0pct+6.0pct 15 2022 NBV 95.9%92.6%82.0%79.6%97.5%90.6%96.7%96.5%92.9%77.6%4.7%7.1%2.3%9.3%8.3%14.3%3.9%20.6%4.1%7.4%-20%0%20%40%60%80%100%2021 2022 2021 2022 2021 2022 2021 2022 2021 2022 2021-2022 2.3 NBV margin 2022 NBV Margin 19.5%24.1%11.6%5.5%-6.0pct-3.7pct-11.9pct-7.4pct NBV margin 1 2022 NBV 2022 NBV Margin 33.0%36.3%-9.2pct-6.7pct 2 2022Q2 2022-6.0pct-4.5pct-8.8pct-9.5pct 3 NBV margin 3.7pct-1.6pct-2.1pct 15 16 2022 NBV Margin 11.6%43.7%47.9%24.1%47.9%5.5%32.4%19.5%0.0%10.0%20.0%30.0%40.0%50.0%60.0%2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 6 NBV NBV margin 28439-23.8%32.0%-6.4 pct 22932-26.2%36.3%-6.7 pct 7079-1.4%18.8%-0.8 pct 6029-20.2%44.7%-2.8 pct 6235-50.2%86.4%-0.3 pct 3589-6.2%76.8%+1.2 pct 3457-22.9%22.9%-5.3 pct 2050 15.9%19.2%-0.2 pct 380-33.0%1.2%-0.2 pct 28820-24.0%24.1%-3.7 pct 2022 17 18.2%31.2%28.7%36.2%29.6%31.2%46.2%59.7%36.5%29.7%36.0%50.4%36.0%18.0%22.2%33.5%41.6%10.6%18.0%25.9%35.6%6.0%9.3%16.4%0.0%10.0%20.0%30.0%40.0%50.0%60.0%70.0%+2017 2018 2019 2020 2021 2022 2017-2022 16 2.4-33%2022 1 2 Q2 2022-33.1%-18.5%-25.8%-46.9%-49.4%-47.6%1 2022 66.8-18.5%2022-10.5%43 23.8-17.1%-20.9%2 48.1-39.6%44.5-25.8%3 27.9-46.9%24.1 4 19.7-49.4%4.5-50.5%5-48%9.7 2.2-52%18 2014-2022 74.397.9149.5 157.8143.9161.3137.882.066.863.687.0111.1138.6141.7116.7102.460.044.534.448.265.387.484.779.074.952.527.917.525.932.834.837.050.760.638.919.714.218.925.624.639.141.418.69.70501001502002503003504004505002014 2015 2016 2017 2018 2019 2020 2021 2022 1 19.5%+3.8pct+8.7pct 45.8%+51.7%2 50.8%+3.8pct+22.5%NBV+22.1%7%NBV+11%+3.4pct 2022+14.1pct NBV+25%+32%2021 NBV+14%3 2022 63.4%+11.3pct+47.6%+31.7%+10.3%4 15.0%-4.1pct+18.8%5+31.8%17 19 2018-2022 62.6%60.9%58.8%33.1%49.3%57.8%23.8%47.0%52.1%19.1%50.8%63.4%15.0%0%10%20%30%40%50%60%70%2018 2019 2020 2021 2022 7 2022 2019 2020 2021 2022 2022 NBV/56791 40688 39031 47639 22.1%/6309 5793 5758 7051 22.5%/5512 4629 4651 5390 15.9%4212 3259 4638 6844 47.6%1.51 1.58 1.38 1.26-8.7%3387 2617 2725 3237 18.8%2019-2022 20 020004000600080001000012000140001600018000200002011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2011-2022 21 NBV 05001000150020002500300035004000450050002012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2012-2022 2.5+2022 8944 8197 3402 2159 729-4.9%-1.9%-2.3%-4.5%-2.6%2021 2.9pct 1.7pct 1.5pct 4.0pct 1.4pct=+-2022 18 22 2022 9407 8354 3483 2260 748 8944 8197 3402 2159 729-4.9%-1.9%-2.3%-4.5%-2.6%-6.0%-5.0%-4.0%-3.0%-2.0%-1.0%0.0%010002000300040005000600070008000900010000 2021)2022)(%)2021-2022 8 2022 2021 940733-960183-2.0%33606 3.6%55905-39.9%35679 3.8%36505-2.3%-80517-8.6%-82488-2.4%-35088-3.7%-29373 19.5%894413-940732-4.9%2022 2022 83.0%90.3%88.0%82.6%82.7%+2.5pct+4.0pct+7.7pct-1.1pct+6.4pct 23 91.1%91.4%92.9%90.7%93.9%86.8%87.8%90.3%90.3%91.8%85.7%85.5%85.7%89.9%86.5%80.5%86.3%80.3%83.7%76.3%83.0%90.3%88.0%82.6%82.7%50.0%55.0%60.0%65.0%70.0%75.0%80.0%85.0%90.0%95.0%100.0%2018 2019 2020 2021 2022 2018-2022 14 13 2.6 NBV EV 19 10 EV 1 EV EV 1.6pct 2022 EV 5.1%-8.6%2 NBV EV 2016-2018 4.3pct 2022 2017 9.0pct NBV 2022 NBV 0.9%-3.8%2021 3 2022-2.9%-8.1%EV-8.1%24 EV 2013-2022 9 2022 EV EV 1 EV/EV 7.5%5.1%8.1%6.3%8.6%7.7%2 NBV/EV 3.0%2.4%3.8%2.0%2.8%0.9%3/EV-8.1%-2.9%-4.6%-3.6%-4.9%-6.9%4/EV 1.4%0.5%0.1%0.4%0.3%0.0%5/EV 0.0%-0.1%-0.2%0.0%-0.1%1.1%6/EV-0.2%-0.5%-0.8%0.2%0.2%-0.8%7/EV-1.5%6.5%-6.2%-3.3%-1.9%-1.7%8/EV 0.1%3.1%1.0%1.8%0.0%-0.4%EV 2.3%2.0%-0.2%4.3%5.7%-1.3%2022 20 50BP 2022 20.3%7.4%17.1%24.6%2019 2.4pct 23.6%10.9%22.5%48.2%2019 12.7pct 2022 2019 5.7pct 34.3pct 25 0%5%10%15%20%25%2019 2020 2021 2022 2019-2022 1 2 50BP 50BP 26 0%5%10%15%20%25%30%35%40%45%50%2019 2020 2021 2022 2019-2022 50BP 50BP 3.+9.5%3.1+9.5%Q4 2022+9.5%+8.3%+10.4%+11.6%2021+4.5pct+15.9pct+8.3pct 64.2%+0.5pct 2022 2021 1 Q4+1.8%+7.5%+8.4%-9.3pct-6.4pct-4.6pct 2 2022+6.2%+6.6%+6.7%Q4+4.0%+4.2%+4.0%Q1-3 3.2pct 3.4pct 3.8pct 12 0.3%9.7%18.2%8.4%21 27 2022 Q3 12.2%7.1%11.0%1.8%10.3%9.9%13.9%7.5%14.0%10.3%13.0%8.4%0.0%2.0%4.0%6.0%8.0%10.0%12.0%14.0%16.0%Q1 Q2 Q3 Q4 2021-2022 28 2022+0.5pct 33.5%33.1%33.0%33.2%31.8%32.8%32.70%19.2%20.5%21.0%20.8%21.0%19.7%20.0%10.4%9.9%10.0%10.2%10.9%11.2%11.5%0%5%10%15%20%25%30%35%40%2016 2017 2018 2019 2020 2021 2022 2016-2022 1+6.2%1.1pct 55.9%+10.3%+22.0%0.3pct 1.2pct 18.3%10.7%86.4%0.5pct 1.1%2+6.6%+24.7%+4.7%+79.2%-2.4pct 67.5%3+6.7%2.6pct 57.5%+19.0%+37.1%+32.7%+20.0%1.6pct 1.3pct 0.6pct 8.8%8.1%8.6%10 2021 2022 2021 2022 255275 271160 6.2%56.9%55.9%-1.1 pct 80692 88999 10.3%18.0%18.3%+0.3 pct 42654 52054 22.0%9.5%10.7%+1.2 pct 33132 33772 1.9%7.4%7.0%-0.4 pct 2840 5294 86.4%0.6%1.1%+0.5 pct 14923 15496 3.8%3.3%3.2%-0.1 pct 4814 4830 0.3%1.1%1.0%-0.1 pct 14054 13829-1.6%3.1%2.8%-0.3 pct 448384 485434 8.3%100.0%100.0%-2021 2022 11 2021 2022 2021 2022 车险 188838 201298 6.6%69.9%67.5%-2.4 pct 保证保险 18098 21934 21.2%6.7%7.4%+0.7 pct 责任保险 19875 21783 9.6%7.4%7.3%-0.1 pct 意外伤害保险 17204 13989-18.7%6.4%4.7%-1.7 pct 健康保险 5411 9696 79.2%2.0%3.3%+1.2 pct 其他 20617 29338 42.3%7.6%9.8%+2.2 pct 合计 270043 298038 10.4%100.0%100.0%-2021 2022 22 12 2021 2022 2021 2022 机动车辆险 91799 97992 6.7%60.1%57.5%-2.6 pct 责任险 10948 15007 37.1%7.2%8.8%+1.6 pct 12198 14641 20.0%8.0%8.6%+0.6 pct 农业险 10363 13753 32.7%6.8%8.1%+1.3 pct 保证险 7253 7692 6.1%4.8%4.5%-0.2 pct 其他险种 20082 21292 6.0%13.2%12.5%-0.7 pct 合计 152643 170377 11.6%100.0%100.0%-2021 2022 3.2 2022 97.6%100.3%97.3%-1.9pct+2.3pct-1.7pct 71.8%69.9%68.5%-1.8pct+2.9pct-1.1pct 25.8%30.4%28.8%-0.1pct-0.6pct-0.6pct-1.7pct-3.1pct-1.8pct 95.6%95.8%96.9%29 97.3%98.5%98.90%98.9%99.5%97.6%96.2%96.0%96.40%99.1%98.0%100.3%98.8%98.4%98.30%99.0%99.0%97.3%93.0%94.0%95.0%96.0%97.0%98.0%99.0%100.0%101.0%2017 2018 2019 2020 2021 2022 2017-2022 30 2022 62.4%62.0%65.9%66.2%73.6%71.8%56.6%54.9%57.3%60.5%67.0%69.9%59.9%56.2%60.2%61.4%69.6%68.5%50.0%55.0%60.0%65.0%70.0%75.0%2017 2018 2019 2020 2021 2022 2017-2022 31 2022 34.9%36.5%33.0%32.7%25.9%25.8%39.6%41.1%39.1%38.6%31.0%30.4%38.9%42.2%38.1%37.6%29.4%28.8%20.0%25.0%30.0%35.0%40.0%45.0%2017 2018 2019 2020 2021 2022 2017-2022 23 1/-20.4/-6.9/-2.2/-1.7pct/+9.7/+5.5/+2.1pct 100.6+456%+69.4%113 16 24 4-1.8pct 71.8%-2.0pct-19.9pct-3.6pct 5-0.1pct 25.8%-6.2pct-2.9pct-6.6pct+14.6pct 13 2020 2021 2022 96.5%97.3%95.6%-1.7 pct 101.3%102.6%100.4%-2.2 pct 99.8%100.4%93.5%-6.9 pct 97.3%107.3%112.8%+5.5 pct 144.8%66.7%76.4%+9.7 pct 104.1%130.0%109.6%-20.4 pct 82.9%91.2%93.3%+2.1 pct 92.2%109.4%109.4%-98.9%99.5%97.6%-1.9 pct 2020-2022 2 100.3%+2.3pct 2.4pct-3.1pct+40pct 95.8%131.4%8.9 2021 51 2023 14 2020 2021 2022 98.2%98.9%95.8%-3.1 pct 111.0%91.2%131.4%+40.2 pct 94.6%105.1%105.4%+0.3 pct 88.8%93.8%94.5%+0.7 pct 91.6%95.2%+0.6 pct 99.1%98.0%100.3%+2.3 pct 2020-2022 3 97.3%-1.7pct 96.9%-1.8pct 98.1%-1.4pct+1.3pct 99.8%-1.9pct-0.3pct 97.7%101.6%24 15 2020 2021 2022 97.9%98.7%96.9%-1.8 pct 101.1%98.5%99.8%+1.3 pct 113.8%101.9%101.6%-0.3 pct 99.9%99.6%97.7%-1.9 pct 98.1%95.1%95.5%+0.4 pct 99.0%99.0%97.3%-1.7 pct 2020-2022 4.4.1 2022 5.1 4.4 2.7 1.2 1.3+7.4%+11.5%+4.7%+11.1%+8.0%2021-7.8pct+6.8pct-2.1pct-1.0pct-1.9pct 32 4716450650391644368426015272421082812030 1196912928-5000500015000250003500045000550002021 2022 2021 2022 2021 2022 2021 2022 2021 2022+7.4%+11.5%+4.7%+11.1%+8.0%2021-2022 4.2-1.4pct-2.8pct 2022 2021 1 2022 4.0%4.7%4.3%4.6%5.1%-0.4pct+0.1pct-0.2pct+0.3pct+0.3pct 5 4.5%2021 25 33 2016-2022 3.5%4.0%4.5%5.0%5.5%6.0%2016 2017 2018 2019 2020 2021 2022 2 2022 3.9%2.5%4.2%4.3%4.6%-1.0pct-1.5pct-1.5pct-1.6pct-1.2pct 5 3.9%2021-1.4pct 2018 I9 34 2009-2022 0.0%1.0%2.0%3.0%4.0%5.0%6.0%7.0%8.0%9.0%2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2018 I9 3 2022 1.9%2.7%2.3%1.9%2.2%-3.0pct-1.1pct-3.1pct-3.1pct-3.8pct 5 2.2%2021-2.8pct 35 2022 2.2%4.0%4.7%4.3%4.6%5.1%3.9%2.5%4.2%4.3%4.6%1.9%2.7%2.3%1.9%2.2%0.0%1.0%2.0%3.0%4.0%5.0%6.0%2022 26-5.9pct 2.7%16 2018 2019 2020 2021 2022 4.6%5.4%5.9%5.7%4.2%-1.5 pct 5.2%5.1%4.9%4.9%4.5%-0.4 pct 1.1%6.3%10.1%8.6%2.7%-5.9 pct 9.0%9.3%7.3%7.3%6.1%-1.2 pct 1.9%1.7%1.3%1.1%1.3%+0.2 pct 2018-2022 4.3+-0.1pct-1.0pct+0.3pc

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