20240418_兴业证券_保险行业2023年报综述：价值高增投资承压关注权益配置改善空间_30页.pdf

请务必阅读正文之后的信息披露和重要声明(investSuggestionChange 2023+2023-09-08 2023 2023-11-05 emailAuthor S0190521060002 S0190521060001 S0190523080002 assAuthor summary 1+69.6%+65.1%+44.2%+36.2%+33%+30.5%+27.8%+14%3.3%-1.3pct=3.3%-1.6pct 3%+0.6pct 2.68%-1.3pct 2.66%+1.5pct 2.6%-1.5pct 1.8%-2.5pct+44.1%+13%-10.2%-15.7%-16.8%-22.8%-27.1%-30.7%-34.2%-59.5%23 NBV+2.2+7.6-0.8+6.8-8.1pct 9.3%16.9%13.5%27.3%13.3%23+11.4%+6.3%+1.42%+1.38%23 97.7%+0.8pct+97.8%+1.2pct+98.4%+1.2pct 100.7%+1.1pct+FVOCI title createTime1 请务必阅读正文之后的信息披露和重要声明-2-1.-4-2.-5-2.1.-6-2.2.-7-2.3.-12-3.-16-3.1+.-16-3.2.-20-4.-23-5 IFRS9 IFRS17.-26-6.-29-7.-29-1 2023.-6-2 2023.-6-3 2023.-6-4 2023.-6-5 23 NBV.-7-6 23.-7-7 23.-8-8 23.-8-9 23.-9-10 23 NBV.-9-11 23.-11-12 23 NBV.-11-13/.-11-14/.-11-15 23 13.-12-16 23 25.-12-17 23.-13-18 23.-13-19 23.-13-20 23.-13-21 23.-15-22 23.-22-23 23.-23-24-50BP NBV.-26-25-50BP VIF.-26-26.-27-27.-27-28 OCI.-27-29.-27-30 22.-28-31 23.-28-1ZCXvMnQtQrQoQmPqNoRmN6MdN6MsQrRnPsOkPqQtPfQpNsMbRqRpPMYnNtPxNrRoP 请务必阅读正文之后的信息披露和重要声明-3-32.-28-33.-28-1 A.-4-2.-8-3.-9-4.-10-5.-13-6.-15-7.-15-8 A.-16-9 A.-17-10/.-19-11.-20-12.-21-13 FVOCI-/.-22-14 EV.-24-15 EV.-24-16 EV ROEV.-25-17 EV.-25-18.-27-请务必阅读正文之后的信息披露和重要声明-4-1+44.6%+18.7%+14.1%+11.4%+10.5%+3.7%+2.9%-4.6%NBV+37.3%+33%+24.8%+19.2%+19.1%+11.9%+7.8%+0.7%+69.6%+65.1%+44.2%+36.2%+33%+30.5%+27.8%+14%EV+5.6%+3.6%+2.0%+1.1%+1.0%-2.0%-2.1%-5.0%4.5%-0.6pct 4.2%-0.5pct 4%-0.3pct 4%+0.1pct 3.8%-0.2pct 3.6%-0.3pct 3.4%-1.2pct 3.3%-1.3pct=3.3%-1.6pct 3%+0.6pct 2.68%-1.3pct 2.66%+1.5pct 2.6%-1.5pct 1.8%-2.5pct 5.0%+2.7pct 4.8%+2.0pct 3.6%+0.9pct 3.2%+1.3pct 2.7%0.4pct FVOCI-3.96%+2.0pct 2.6%+0.9pct 1 A 2023A 2022A/2023A 2022A/2023A 2022A/3,443 3,889-11.5%9,138 8,804 3.8%3,321 3,239 2.5%2,124 1,826 16.4%5,364 5,260 2.0%2,662 2,497 6.6%2,108 1,848 14.1%2,009 1,390 44.6%841 810 3.7%+clbBeMwI41x7YVGUUgb6MiCYydMK33bsDsO0TSEcfambAN0sGDqqs7eP3HwxsV5 请务必阅读正文之后的信息披露和重要声明-5-315 2,063-84.7%369 386-4.5%71 775-90.9%1,230-1,185 1,159 2.2%583-328-88-90-369-117-1-1,504 1,316 14.2%4,402 4,222 4.3%2,310 2,140 8.0%1,279 1,487-14.0%1,240 999 24.0%467 581-19.5%621 510 21.8%963 1,038-7.2%351 358-1.7%462 667-30.7%857 1,110-22.8%273 374-27.1%4,771 3,660 30.3%8,990 8,692 3.4%2,496 1,965 27.0%EV 12,606 11,942 5.6%13,901 14,238-2.4%5,295 5,196 1.9%EV 12,606 11,942 5.6%8,310 8,748-5.0%4,020 3,982 1.0%NBV-369 329 11.9%311 288 7.8%110 92 19.1%NBV-14.0%-36.2%-30.5%2023A 2022A/2023A 2022A/2023A 2022A/715 1,080-33.8%5,531 5,296 4.4%22,148 22,309-0.7%480 569-15.5%5,039 4,688 7.5%15,670 14,840 5.6%446 434 2.9%514 465 10.5%5,919 4,947 19.6%-38 190-119.8%256 563-54.6%973 3,978-75.6%323 320 0.8%294-3,614-61-14-99-6-696-478-333 338-1.6%4,734 4,334 9.2%13,282 12,350 7.6%268 431-37.9%277 354-21.8%3,531 3,852-8.3%148 231-35.9%305 354-14.0%2,388 2,490-4.1%87 215-59.5%228 254-10.2%1,906 2,619-27.2%1,051 980 7.2%2,424 2,229 8.8%19,731 17,525 12.6%EV 2,505 2,556-2.0%1,043 1,220-14.5%35,350 35,152 0.6%EV 2,505 2,556-2.0%1,015 995 2.0%28,455 28,223 0.8%NBV-30 24 24.8%37 27 37.3%856 761 12.5%NBV-65.1%-69.6%-Wind 2022“-”2“+”请务必阅读正文之后的信息披露和重要声明-6-2.1 2023 A 2.3pct 45.4%2022 2023 0.6pct 63.5%2023 Wind Wind Wind Wind 40.0%45.0%50.0%55.0%60.0%65.0%70.0%75.0%80.0%85.0%2004-122005-122006-122007-122008-122009-122010-122011-122012-122013-122014-122015-122016-122017-122018-122019-122020-122021-122022-122023-12A 0.0%5.0%10.0%15.0%20.0%25.0%30.0%35.0%40.0%45.0%50.0%2004-122005-122006-122007-122008-122009-122010-122011-122012-122013-122014-122015-122016-122017-122018-122019-122020-122021-122022-122023-12 60.0%65.0%70.0%75.0%80.0%85.0%200420052006200720082009201020112012201320142015201620172018201920202021202220230.0%10.0%20.0%30.0%40.0%50.0%60.0%70.0%20042005200620072008200920102011201220132014201520162017201820192020202120222023 请务必阅读正文之后的信息披露和重要声明-7-2.2 2023 NBV NBV+14%+36.2%+30.5%+65.1%+69.6%+27.8%+33%+19.2%NBV-4.6%45%+-80.0%-60.0%-40.0%-20.0%0.0%20.0%40.0%60.0%80.0%100.0%2015A 2016A 2017A 2018A 2019A 2020A 2021A 2022A 2023A 60%62%64%66%68%70%72%74%76%78%80%2021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q22023Q32023Q4 请务必阅读正文之后的信息披露和重要声明-8-2023+28.6%NBV+89.5%+25.2pct+39.2%9813+4.5pct 68%FYP+26.6%FYC+46.3%6051 6294 1 2.0-60.0%-40.0%-20.0%0.0%20.0%40.0%60.0%80.0%100.0%120.0%140.0%0.0%10.0%20.0%30.0%40.0%50.0%60.0%70.0%2016A 2017A 2018A 2019A 2020A 2021A 2022A 2023A 97.9 149.5 157.8 143.9 161.3 137.8 82.0 66.8 63.4 87.0 111.1 138.6 141.7 116.7 102.4 60.0 44.5 34.7 48.2 65.3 87.4 84.7 79.0 74.9 52.5 27.9 21.0 30.1 32.8 34.8 37.0 50.7 60.6 38.9 19.7 15.5 14.2 18.9 25.6 24.6 39.1 41.4 18.6 9.7 8.9 23.2 26.2 38.4 51.3 38.6 38.1 38.5 40.8 23.5 31.8%52.7%5.6%-8.8%12.1%-14.6%-40.5%-18.5%-5.1%请务必阅读正文之后的信息披露和重要声明-9-NBV/56,791 25,003 40,688 25,185 39,031 28,967 47,639 56,281 90,285 16.4%-14.7%-28.4%0.7%-4.1%15.0%22.1%94.3%89.5%/6,309 6,189 5,793 5,889 5,758 7,957 7,051 10,887 9,813 0.2%-6.5%-8.2%-4.8%-0.6%35.1%22.5%36.8%39.2%/4,212 4,183 3,259 5,918 4,638 7,906 6,844 16,963 12,837-9.0%-28.9%-22.6%41.5%42.3%33.6%47.6%114.6%87.6%-0.6 0.7 67.9%pct-4.5pct FYC/-4,624 7,482 7,482 6,051-61.8%-19.1%/3,387 3,578 2,617 3,105 2,725 3,840 3,237 8,103 6,294-22.5%-20.0%-22.7%-13.2%4.1%23.7%18.8%111.0%94.4%/13.3 13.5 12.8 10.5 9.1 6.1 4.5 3.4 2.7 3.5%-3.6%-3.8%-22.2%-28.9%-41.9%-50.5%-44.3%-40.0%33.1%26.4%23.8%19.1%19.1%17.5%15.0%18.6%15.8%pct-5.7pct-12.4pct-9.3pct-7.3pct-4.7pct-1.6pct-4.1pct 1.1pct 0.8pct“-”05,00010,00015,00020,00025,00030,00035,0002011A2012A2013A2014A2015A2016A2017A2018A2019A2020A2021A2022A2023A 010,00020,00030,00040,00050,00060,00070,00080,00090,0002011A2012A2013A2014A2015A2016A2017A2018A2019A2020A2021A2022A2023A 36.9%27.7%24.8%2.3%-17.7%-12.3%-41.4%-25.9%-22.0%40.1%35.5%33.8%-3.1%-6.7%-5.2%-29.9%-46.9%-24.7%46.1%9.0%6.1%6.3%37.0%19.5%-35.8%-49.4%-21.3%49.7%33.6%35.2%-4.0%59.3%5.9%-55.1%-47.6%-8.6%49.7%33.6%35.2%-4.0%59.3%5.9%-55.1%6.0%-42.5%请务必阅读正文之后的信息披露和重要声明-10-2023+49.3%+79.3%+3.6%+3.6%+10.5%+13.3%+4.5+1.9-0.1+0.5-0.02-1.9pct 60%2023 NBV 23“”23 20.1%1-6%23+2.2+7.6-0.8+6.8-8.1pct 9.3%16.9%13.5%27.3%13.3%40,636 27,215 49.3%19,699 10,989 79.3%33,291 32,140 3.6%/19.3%14.7%4.5pct 9.8%7.9%1.9pct 39.6%39.7%-0.1pct 110,362 99,590 10.8%143,887 90,503 59.0%32,377 28,350 14.2%/52.4%53.9%-1.5pct 71.6%65.1%6.5pct 38.5%35.0%3.5pct 29,088 28,064 3.6%31,419 28,436 10.5%19,959 17,615 13.3%/65.2%64.7%0.5pct 61.1%61.1%-0.02pct 40.7%42.6%-1.9pct 13,107 12,526 4.6%17,196 15,774 9.0%28,631 27,196 5.3%/29.4%28.9%0.5pct 33.4%33.9%-0.5pct 58.4%65.8%-7.4pct 请务必阅读正文之后的信息披露和重要声明-11-2023 32.8%58.7%/1.6%3.7%13+7.4+2.5+7.7+7.2+9.5pct 25+4.9+6.8+10.6+1.2+7.2 pct 13-10.0%-5.0%0.0%5.0%10.0%15.0%20.0%25.0%2019H1 2019A 2020H1 2020A 2021H1 2021A 2022H1 2022A 2023H1 2023A-20.0%-10.0%0.0%10.0%20.0%30.0%40.0%50.0%2019H1 2019A 2020H1 2020A 2021H1 2021A 2022H1 2022A 2023H1 2023A-80%-60%-40%-20%0%20%40%60%2018H12018A2019H12019A2020H12020A2021H12021A2022H12022A2023H12023A 0%5%10%15%20%25%30%35%40%45%50%2018A 2019H1 2019A 2020H1 2020A 2021H1 2021A 2022H1 2022A 2023H1 2023A 请务必阅读正文之后的信息披露和重要声明-12-14 26 2.3 2023+6.3%+1.4%+11.4%+1.4%+5.3%+6.2%+5.6%-2.0%2023+54.7%3.7pct 12%+57.7%70%75%80%85%90%95%100%2018H1 2018A 2019H1 2019A 2020H1 2020A 2021H1 2021A 2022H1 2022A 2023H1 2023A 70%75%80%85%90%95%2018H1 2018A 2019H1 2019A 2020H1 2020A 2021H1 2021A 2022H1 2022A 2023H1 2023A 请务必阅读正文之后的信息披露和重要声明-13-Wind Wind+7.4%-8.7%+19.3%+7.5%2023+28.8%31.4%-6.0%5.8%4.7%1.1%3.8%5.2%7.0%4.6%18.5%16.4%2.1%1.9%8.9%1.3%14.8%20.8%21.9%14.7%10.3%5.2%3.6%16.2%15.1%19.3%24.2%22.0%20.1%11.9%0501001502002503003502009-122010-072011-022011-092012-042012-112013-062014-012014-082015-032015-102016-052016-122017-072018-022018-092019-042019-112020-062021-012021-082022-032022-102023-052023-12:0204060801001201402011-122012-062012-122013-062013-122014-062014-122015-062015-122016-062016-122017-062017-122018-062018-122019-062019-122020-062020-122021-062021-122022-062022-122023-062023-12:-10.0%-5.0%0.0%5.0%10.0%15.0%20.0%25.0%2016 2017 2018 2019 2020 2021A 2022A 2023A-15%-10%-5%0%5%10%15%20%25%请务必阅读正文之后的信息披露和重要声明-14-7.8%-45.7%-46.9%11.5%10.4%-79.3%-97.0%27.8%21.4%18.2%8.2%20.4%14.7%6.6%21.8%24.0%20.2%4.6%-18.7%-27.4%-36.7%-8.5%-7.6%-4.0%7.5%44.1%38.7%24.6%22.9%37.1%35.1%31.4%44.8%17.5%19.8%38.1%32.7%33.9%28.8%-2.2%67.9%10.1%-17.3%-9.8%-5.3%6.2%19.6%49.1%26.9%5.1%-0.6%14.1%7.5%“-”2023 97.8%100.7%97.7%98.4%+1.2+1.1+0.8+1.2pct 22 23+2.4+1.9+1.1pct 96.9%97.7%97.6%2023 1.1pct 99.1%4.3pct 3.4pct 131.1%100.6%请务必阅读正文之后的信息披露和重要声明-15-92.0%94.0%96.0%98.0%100.0%102.0%104.0%106.0%108.0%2012A2013A2014A2015A2016A2017A2018A2019A2020A2021A2022A2023A 96.7%97.3%95.4%94.5%96.7%96.9%97.4%98.9%94.4%95.8%97.1%97.7%99.0%98.7%96.6%96.5%98.0%97.6%70.3%70.1%69.7%68.3%69.7%70.4%71.7%71.4%70.0%69.2%-72.7%71.1%70.0%69.5%70.8%70.6%26.4%27.2%25.7%26.2%27.00%26.5%25.7%27.5%24.4%26.6%-26.3%27.6%26.6%27.6%27.2%27.0%“-”97.9%130.0%93.6%109.6%92.0%103.8%98.4%107.3%105.4%112.8%102.8%107.0%101.6%102.6%100.8%100.8%98.5%97.7%97.0%100.4%89.9%93.5%96.5%95.8%99.5%105.1%105.5%131.4%117.7%131.1%请务必阅读正文之后的信息披露和重要声明-16-3 3.1+2023 A 5 5508-0.8%+3845-15.2%2022 59.7%1419.7 1239.0 522.4 222.5 441.2-24.4%+32.8%-28.3%-50.3%-19.7%22 40.7%AFS FVOCI 3820 AFS 397.3 FVOCI 8 A 2023A 2022A 2023A 2022A 2023A 2022A 160,462 156,925 2.3%-58,262 61,780-5.7%37,643 33,332 12.9%-18,364 13,510 35.9%102 87 17.2%-727 1,104-34.1%-88.2%91.2%113.0%105.4%99.5%106.3%92.1%93.8%92.7%94.5%-106.0%91.8%92.9%91.4%-89.0%97.7%-92.3%95.2%103.8%101.9%102.1%101.6%101.2%99.2%92.9%-96.9%-95.3%97.2%99.2%98.5%99.7%99.8%99.4%100.6%99.9%99.6%97.8%97.7%98.1%98.8%“-”请务必阅读正文之后的信息披露和重要声明-17-2023A 2022A 2023A 2022A 2023A 2022A 40,989 48,218-15.0%35,292 33,903 4.1%-22,498 25,946-13.3%-Wind FVOCI-AFS FVOCI-2023 826.2 11.2 903 175.8 365.9 10.9 73.5 1.2 50.6 4.9 FVOCI 9 A 2022Q1 2022H1 2022Q3 2022A 2023Q1 2023H1 2023Q3 2023A-16,223-6,972-62,905-69,341 3,108-10,843-13,421-21,699-15,871-6,737-62,626-67,621 2,609-13,178-14,562-23,036-394-141-1,738-51 191 148-813-3,015-3,857 39,856 48,006 82,617-138-482-479-892 22,308 1,341-11,057 4,967-1-52,899-62,288-97,940-42 76 610 545-187 332 415 679-213-165-176-1,636 489 2,290 1,101 1,295-213-165-176-1,636 9 936 804 660-779 2,240 787 1,122-299-886-490-487 2022Q1 2022H1 2022Q3 2022A 2023Q1 2023H1 2023Q3 2023A 1,125-5,216-23,218-15,868 1,831-462-17,084-18,859-6,149 6,872 38,952 14,170 7,679 44,190 52,892 90,299 请务必阅读正文之后的信息披露和重要声明-18-521 919-38 755 257 331-24 57 2,535-19,538-63,851-36,671-7,758-53,889-77,658-116,448-119-34 137 10 1 169 260 239-25-52-200 39 94-603-731-664 14,319 12,991-6,279 6,236 5,939 21,980 15,631 17,579-9,501-8,755 4,630-4,391-3,798-14,953-9,066-11,008 2022Q1 2022H1 2022Q3 2022A 2023Q1 2023H1 2023Q3 2023A-10,098-10,271-30,980-25,353 6,590 4,218-5,222 1552-400-1,687 1,672 1,409 1,089-63-548-604-689-25,353-1,152-47-20-46-52-54-5,295 18,136 20,072 36,592-232 612 792 925 8,017-2,353-6,133-1,344-65-15,640-26,860-36,321 2022Q1 2022H1 2022Q3 2022A 2023Q1 2023H1 2023Q3 2023A-3,353-4,800-14,934-12,894 375-8,642-12,162-14,575-337 425 153 116-340 431 156 121-3-6-3-5-3,353-4,800-14,934-12,894 38-9,067-12,315-14,691-485 4,071 4,365 7,345-1-3-1-3 10,414 4,183 1,813 6,641-460-13,246-16,843-22,241 12 51 173 180 95 129 165 154 2022Q1 2022H1 2022Q3 2022A 2023Q1 2023H1 2023Q3 2023A-11,438-10,379-17,622-13,467 1,980-568-3,020-3,393-75 349 106-26-17-25-11-11-15-15-537 549 682 492 5,457-71-58-71-49-9804-3289-146 18 4-370-195 36 133-112-473 2,468 2,742 5,062 981 2,909 4,193 7,092 566-4,065-6,449-8,744 34 47 14 5 17 70 38 142 请务必阅读正文之后的信息披露和重要声明-19-4.5%-0.6pct 4.2%-0.5pct 4.0%-0.3pct=4%+0.1pct 3.8%-0.23pct 3.6%-0.3pct 3.4%-1.2pct 3.3%-1.3pct=3.3%-1.6pct 3%+0.6pct 2.68%-1.26oct 2.66%+1.45pct 2.6%-1.5pct 1.8%-2.5pct 5.0%OCI+2.66pct 4.8%OCI+2.0pct 3.96%OCI+1.96pct 3.6%OCI+0.9pct 3.2%AFS+1.31pct 2.7%OCI+0.4pct 2.6%OCI+0.9pct 10/2020H1 2020A 2021H1 2021A 2022H1 2022A 2023H1 2023A 4.29%4.34%4.33%4.38%4.15%4.00%3.78%3.77%4.10%5.10%3.80%4.60%3.90%4.70%3.50%4.20%4.40%4.70%4.10%4.50%3.90%4.30%4.00%4.00%4.60%4.60%4.50%4.30%4.70%4.60%3.40%3.40%4.90%5.00%4.80%4.80%4.90%5.10%4.40%4.50%4.25%4.17%4.11%4.07%4.08%3.86%3.63%3.56%-5.20%-4.60%4.20%3.90%3.40%4.00%2020H1 2020A 2021H1 2021A 2022H1 2022A 2023H1 2023A 5.34%5.30%5.69%4.98%4.21%3.94%3.41%2.68%4.40%6.20%3.50%4.00%3.10%2.40%3.40%3.00%4.80%5.90%5.00%5.70%3.90%4.10%4.00%2.60%5.10%5.50%6.50%5.90%4.20%4.30%3.70%1.80%5.50%5.80%6.70%5.80%5.50%4.60%4.90%3.30%5.35%5.44%6.31%5.39%3.35%1.21%3.89%2.66%6.50%5.40%4.10%4.90%3.50%3.30%2020H1 2020A 2021H1 2021A 2022H1 2022A 2023H1 2023A 5.34%6.33%5.61%4.87%3.75%1.92%4.23%3.23%-3.40%2.70%4.10%3.60%-3.00%2.30%4.20%2.70%-1.69%-4.32%请务必阅读正文之后的信息披露和重要声明-20-2.00%-3.96%-1.92%2.35%5.92%5.01%-2.70%2.80%4.90%4.80%“-”2022H1 2023H1*2 OCI 3.2 2023 3.05 3.52 8.66 8.80 2.33pct 51.59%58.09%51.72%50.42%43.72%2023 4%-20%43%-59%11%-15%4,855.7 4,457.8 4,041.3-16.8%9.59%8.28%7.12%24,584.4 29,010.6 29,269.9 19.1%48.54%53.86%51.59%5,780.4 6,021.1 6,369.9 10.2%11.41%11.18%11.23%15,429.4 14,377.1 17,052.6 10.5%30.46%26.69%30.06%占比 占比 占比 2,341.4 1,977.9 2,060.8-12.0%5.40%4.29%4.36%23,644.9 26,103.6 27,430.9 16.0%54.57%56.55%58.09%4,847.4 5,636.2 5,436.2 12.1%11.19%12.21%11.51%12,495.4 12,440.0 12,294.5-1.6%28.84%26.95%26.04%占比 占比 占比 2,112.3 1,688.4 1,655.0-21.7%10.45%7.97%7.36%8,704.8 10,230.1 11,636.3 33.7%43.05%48.29%51.72%2,433.5 2,504.1 2,508.5 3.1%12.04%11.82%11.15%6,968.6 6,764.0 6,700.9-3.8%34.47%31.93%29.78%占比 占比 占比 2,275.5 2,445.6 2,559.8 12.5%19.66%19.42%19.16%4,817.5 5,778.5 6,736.6 39.8%41.62%45.89%50.42%请务必阅读正文之后的信息披露和重要声明-21-2023+22.6%-2.7%+3.3%-21.1%+24.2%2023 2023 0.3 0.1pct 4.8%4.7%“”较 年 初 变动 占比 455,026 477,868 479,962 5.5%9.0%8.9%8.5%447,678 432,413 416,810-6.9%10.3%9.4%8.8%398,516 372,714 409,349 2.7%19.7%17.6%18.2%116,809 100,081 79,939-31.6%10.1%7.9%6.0%192,909 209,563 216,221 12.1%15.0%15.2%15.1%较 年 初 变动 占比 312,885 374,885 461,783 47.6%6.2%7.0%8.1%160,644 186,208 175,239 9.1%3.7%4.0%3.7%16,743 10,911 19,652 17.4%0.8%0.5%0.9%113,110 115,699 101,581-10.2%9.8%9.2%7.6%42,108 74,870 75,691 79.8%3.3%5.4%5.3%较 年 初 变动 占比 767,911 852,753 941,745 22.6%15.2%15.8%16.6%608,322 618,621 592,049-2.7%14.0%13.4%12.5%415,259 383,625 429,001 3.3%20.5%18.1%19.1%229,919 215,780 181,520-21.1%19.9%17.1%13.6%235,017 284,433 291,912 24.2%18.3%20.6%20.4%1,693.0 1,877.2 1,908.4 12.7%14.62%14.91%14.28%2,790.3 2,490.3 2,156.1-22.7%24.10%19.78%16.14%占比 占比 占比 1,011.8 1,010.1 814.9-19.5%7.87%7.32%5.69%5,323.5 5,819.2 6,265.0 17.7%41.38%42.17%43.72%1,759.1 1,607.3 1,628.8-7.4%13.68%11.65%11.37%4,769.3 5,361.6 5,622.6 17.9%37.08%38.86%39.23%请务必阅读正文之后的信息披露和重要声明-22-FVTPL FVOCI FVOCI-2023 FVOCI-1751 271 54 160 224 FVOCI-1%1%4%3.7%2023 FVOCI-2023 0.05pct 2023 13 FVOCI-/FVOCI-2022-12-31 2023-6-30 2023-12-31 FVOCI-2022-12-31 2023-6-30 2023-12-31-1,271 1,380-1,723 1,903 1,760 1,715 1,894 1,751-903 980-267 271-58 54-58 54-811 965-148 160-331 266 251-302 238 224 FVOCI-2022-12-31 2023-6-30 2023-12-31 FVOCI-2022-12-31 2023-6-30 2023-12-31-2.36%2.38%-3.98%4.12%3.73%3.96%4.10%3.71%4.5%4.7%4.9%5.1%5.3%5.5%5.7%5.9%6.1%2019H1 2019A 2020H1 2020A 2021H1 2021A 2022H1 2022A 2023H1 2023A 请务必阅读正文之后的信息披露和重要声明-23-4.26%4.35%-1.26%1.20%-0.46%0.40%-0.46%0.40%-5.88%6.74%-1.07%1.12%2.82%2.11%1.86%2.57%1.88%1.66%202