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中国平安(601318)公告正文

中国平安:2013年第三季度报告

公告日期:2013-10-26

2013年第三季度报告
(股票代码:601318)




 二〇一三年十月二十五日
                                                                                                                                                  2013 年第三季度报告


                                                                                  目录
§1   重要提示 ...................................................................................................................................................... 2
§2   公司基本情况 .............................................................................................................................................. 2
§3   季度经营分析 .............................................................................................................................................. 3
§4   重要事项 ...................................................................................................................................................... 4
§5   附录 .............................................................................................................................................................. 9




                                                                                         1
                                                                                                 2013 年第三季度报告


§1 重要提示

1.1 本公司董事会、监事会及董事、监事、高级管理人员保证本报告所载资料不存在任何虚假记载、误导性
陈述或者重大遗漏,并对其内容的真实性、准确性和完整性承担个别及连带责任。
1.2 本公司第九届董事会第十一次会议于 2013 年 10 月 25 日审议通过了《2013 年第三季度报告》,会议应
出席董事 19 人,实到董事 17 人,委托 2 人(董事黎哲女士委托董事长马明哲先生出席会议并行使表决权,
董事吕华先生委托董事范鸣春先生出席会议并行使表决权)。
1.3 本公司第三季度财务报告未经审计。
1.4 本公司董事长兼首席执行官马明哲,首席财务官兼总精算师姚波及副首席财务执行官麦伟林保证本季度
报告中财务报告的真实、准确、完整。

§2 公司基本情况

2.1 主要会计数据及财务指标
                                            2013 年 9 月 30 日          2012 年 12 月 31 日       比上年末增减(%)
 总资产(人民币百万元)                                    3,248,769                 2,844,266                     14.2
 归属于母公司股东权益(人民币百万元)                       179,973                   159,617                      12.8
 归属于母公司股东的每股净资产 (人民币元)                       22.74                  20.16                      12.8
                                             2013 年 1-9 月             2012 年 1-9 月         比上年同期增减(%)
 经营活动产生的现金流量净额(人民币百万元)                 208,861                   160,849                      29.8
 每股经营活动产生的现金流量净额(人民币元)                      26.38                  20.32                      29.8


                                             2013 年 1-9 月             2012 年 1-9 月         比上年同期增减(%)
 营业收入(人民币百万元)                                   274,483                   226,436                      21.2
 归属于母公司股东的净利润 (人民币百万元)                    23,339                   16,085                      45.1
 归属于母公司股东扣除非经常性损益后的净
 利润(人民币百万元)                                         23,535                   16,115                      46.0
 基本每股收益(人民币元)                                          2.95                   2.03                     45.1
 稀释每股收益(人民币元)                                          2.95                   2.03                     45.1
 加权平均净资产收益率 (%)                                      13.67                   11.55       上升 2.12 个百分点
 扣除非经常性损益后的加权平均净资产收益
 率 (%)                                                        13.79                   11.57       上升 2.22 个百分点


 非经常性损益项目(人民币百万元)                 2013 年 7-9 月                              2013 年 1-9 月
 非流动资产处置损益                                                          10                                      5
 计入当期损益的政府补助                                                      25                                     83
 捐赠支出                                                                    (9)                                  (26)
 除上述各项之外的其他营业外收支净额                                          36                                  (225)
 所得税影响数                                                               (21)                                  (39)
 少数股东应承担的部分                                                       (25)                                     6
 合计                                                                        16                                  (196)




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                                                                                                           2013 年第三季度报告

注:本公司对非经常性损益项目的确认依照中国证监会公告【2008】43 号《公开发行证券的公司信息披露解释性公告第 1 号-非经常性损益》的规定

      执行。本公司作为综合性金融集团,投资业务是本公司的主营业务之一,持有或处置以公允价值计量且其变动计入损益的金融资产以及可供出售

      金融资产而产生的公允价值变动损益或投资收益均属于本公司的经常性损益。


2.2 中国会计准则与国际财务报告准则会计报表差异说明
    本公司按照中国会计准则编制的合并财务报表中列示的净利润以及股东权益,与按照国际财务报告准
则编制的合并财务报表中列示的并无差异。

2.3 报告期1末股东总数、前十名股东、前十名无限售条件股东持股情况表

    报告期末股东总数          282,840户,其中A股股东277,358户,H股股东5,482户

                                  前十名股东持股情况及前十名无限售条件流通股股东持股情况

    股东名称                                 股东性质         持股比例(%)      持股总数(股)     股份种类     质押或冻结股份数量

    深圳市投资控股有限公司               国家                     6.08          481,359,551       A股        质押    239,980,000

    同盈贸易有限公司                     境外法人                 4.98          394,500,996       H股        无

    易盛发展有限公司                     境外法人                 4.67          369,844,684       H股        无

    商发控股有限公司                     境外法人                 3.11          246,563,123       H股        无

    隆福集团有限公司                     境外法人                 2.80          221,906,810       H股        无

    林芝新豪时投资发展有限公司           境内非国有法人           2.55          202,233,499       A股        质押    127,000,000

    深业集团有限公司                     国有法人                 2.11          166,665,065       A股        无

    深圳市武新裕福实业有限公司           境内非国有法人           2.04          161,549,006       A股        无

    源信行投资有限公司                   境内非国有法人           1.95          154,446,047       A股        无

    工布江达江南实业发展有限公司         境内非国有法人           1.76          139,112,886       A股        无
注:前十名股东均为无限售条件流通股股东。


上述股东关联关系或一致行动关系的说明:
    同盈贸易有限公司、易盛发展有限公司、商发控股有限公司、隆福集团有限公司均属于卜蜂集团间接
全资控股子公司,同时卜蜂集团通过全资子公司林芝正大环球投资有限公司持有工布江达江南实业发展有
限公司 63.34%的股份。工布江达江南实业发展有限公司与同盈贸易有限公司、易盛发展有限公司、商发控
股有限公司、隆福集团有限公司因具有同一控制人构成一致行动关系。

       除上述情况外,本公司未知上述其他股东之间是否存在关联关系或一致行动关系。

§3 季度经营分析
    2013年第三季度,全球经济有所好转,但形势依然错综复杂。国内经济运行总体平稳,结构调整与转
型升级稳步推进,改革不断深化,金融市场相对平稳。中国平安在坚持稳健经营、保持业务健康增长的同
时,深入推进综合金融服务创新模式的探索。回顾前三季度的经营情况,本公司在以下经营领域有突出表
现:

       公司整体业绩稳健增长。2013年前三季度实现归属于母公司股东的净利润233.39亿元2,同比增长45.1%。

1
    报告期,指 2013 年 1 月 1 日至 2013 年 9 月 30 日,下同。
2
    除特别注明外,货币单位为人民币。

                                                                  3
                                                                                                  2013 年第三季度报告

截至2013年9月30日,归属于母公司股东权益为1,799.73亿元,较年初增长12.8%;公司总资产为32,487.69亿
元,较年初增长14.2%。

    寿险业务平稳健康增长,产险业务品质保持良好,养老险年金业务行业领先。寿险业务前三季度实现
规模保费 1,738.17 亿元,同比增长 10.3%。其中,个人寿险业务实现规模保费 1,557.77 亿元,同比增长 12.3%。
平安产险前三季度业务稳健增长,实现保费收入 835.42 亿元,同比增长 13.1%,业务品质保持良好,综合
成本率维持在 95.8%的水平。企业年金业务持续保持健康增长,资产规模和管理费收入位于市场前列。

    银行深化战略转型,业务规模稳步增长。平安银行深化战略转型,持续推动投行、零售、小微、信用
卡、汽车融资、贸易融资等业务;同时加强网络金融综合服务平台建设,推动传统业务的电子化、网络化。
前三季度,平安银行实现净利润116.96亿元,同比增长13.0%,为集团贡献利润60.20亿元,同比增长14.8%。
截至2013年9月30日,平安银行总资产约1.86万亿元,较年初增长15.5%。存款总额1.25万亿元,较年初增长
22.6%;贷款总额0.83万亿元,较年初增长15.5%;贸易融资授信余额3,373亿元,较年初增长17.4%;期末小
微贷款余额突破800亿元;信用卡累计流通卡量达1,330万张;汽车消费贷款余额约431亿元。不良贷款率为
0.96%,信贷资产质量基本稳定,风险可控。

     保险资金投资组合收益率保持稳定,信托继续专注于开拓第三方高品质业务。截至 2013 年 9 月 30 日,
本公司保险资金投资组合规模已达 1.18 万亿元,较年初增长 10.3%。前三季度,保险资金投资组合年化净
投资收益率达 4.9%,年化总投资收益率达 5.0%。平安信托私人财富管理业务稳步增长,截至 2013 年 9 月
30 日,信托高净值客户数已超过 2 万,较年初增长 14%;信托资产管理规模近 2,400 亿元,较 2012 年末增
长 12%,其中以个人客户为主的集合信托产品的实收信托规模近 1,400 亿元,位居行业前列;公司对信托资
产主动管理,严控风险,到期产品均顺利兑付。

    本公司将密切关注外部环境和经济形势的变化,把握个人金融服务业增长机遇,继续推行“专业让生
活更简单”的品牌理念,为客户提供更好的产品和服务,努力把平安建设成为中国最领先、客户体验最好
的个人金融服务集团。

§4 重要事项

4.1 公司主要会计报表项目、财务指标大幅度变动的情况及原因

√适用 □不适用

                                                                                                       单位:人民币百万元

                                                                    变动幅度
资产负债表项目           2013 年 9 月 30 日 2012 年 12 月 31 日                 主要变动原因
                                                                     (%)
                                                                                结算备付金受结算时间及客户交易行为影
结算备付金                            1,823                   711       156.4
                                                                                响,变化较大
拆出资金                             22,833              65,426         (65.1) 银行同业业务结构调整
以公允价值计量且变动计                                                          银行债券投资规模扩大
                                     38,555              27,755          38.9
入当期损益的金融资产
衍生金融资产                          1,379                   972        41.9 因银行外汇衍生金融工具业务规模增长所致
买入返售金融资产                    263,979            190,788           38.4 银行同业业务结构调整
存出保证金                              907                   409       121.8 证券业务存出保证金增加
                                                                                银行业务投资结构调整,保险业务债权计划
应收款项类投资                      269,131            136,000           97.9
                                                                                投资规模扩大
向中央银行借款                        2,473              16,168         (84.7) 银行业务向央行卖出回购债券款项减少

                                                          4
                                                                                                 2013 年第三季度报告

短期借款                           10,276               3,566         188.2 短期借款需求增加
拆入资金                           23,326              39,268         (40.6) 银行同业业务结构调整
交易性金融负债                      3,600               1,722         109.1 银行黄金租赁业务规模增加
衍生金融负债                        1,669                   952        75.3 银行外汇衍生工具业务规模增长
应付账款                            2,127               3,615         (41.1) 银行业务应付保理款项减少
预收保费                            5,291              11,179         (52.7) 部分预收保费已转实收
应付手续费及佣金                    3,639               2,701          34.7 保险业务增长
应付利息                           15,415              11,497          34.1 次级债、长期借款、短期借款应付利息增加
长期借款                           15,707               9,734          61.4 增加长期借款
                                                                  变动幅度
利润表项目               2013 年 1-9 月     2012 年 1-9 月                   主要变动原因
                                                                   (%)
分出保费                           13,802              10,187          35.5 再保险分出业务增加
非保险业务手续费及佣金                                                         银行中间业务增长,以及信托业务产品管理
                                    9,682               6,695          44.6
净收入                                                                         费收入增加
                                                                               净投资收益及已实现投资收益较上年同期均
投资收益                           42,219              24,438          72.8
                                                                               有增加
公允价值变动损益                       11                    82       (86.6) 交易性金融资产公允价值波动
                                                                               人民币对以美元和港币为主的其他主要货币
汇兑损益                             (286)                  252      不适用
                                                                               升值,以及外汇资产规模变动
退保金                              5,588               3,950          41.5 部分分红保险产品退保金增加
摊回保险合同赔付支出                6,343               3,900          62.6 再保险分出业务增加
摊回保险责任准备金                  1,594               1,037          53.7 再保险分出业务增加
财务费用                            2,046               1,504          36.0 次级债、长期借款、短期借款利息增加
营业外支出                            393                   195       101.5 平安证券营业外支出增加
所得税                              8,090               3,788         113.6 应税利润增长
                                                                               可供出售金融资产出售、减值准备计提及公
其他综合收益                          716               2,534         (71.7)
                                                                               允价值波动的综合影响


4.2 重大事项进展情况及其影响和解决方案的分析说明

√ 适用 □不适用

认购平安银行非公开发行股份情况

    鉴于平安银行经 2011 年召开的第八届董事会第七次会议、2011 年第一次临时股东大会和 2012 年召开
的第八届董事会第十八次会议、2012 年第二次临时股东大会审议通过的原非公开发行方案已于 2013 年 9 月
1 日到期,平安银行已经重新召开董事会和股东大会审议向本公司非公开发行股票的方案。2013 年 9 月 6
日,本公司第九届董事会第十次会议审议通过了《关于认购平安银行非公开发行股票的议案》,拟认购平
安银行非公开发行的不超过 1,323,384,991 股的股票(以下简称“本次股份认购”)。

    截至本报告披露之日,本次股份认购尚需取得有关监管机关的批准。

发行 A 股次级可转换公司债券情况

    2011 年 12 月 20 日,本公司公告提及本公司拟发行总额不超过人民币 260 亿元的 A 股可转换公司债券,
该可转债及未来经可转债转换的 A 股股票将在上海证券交易所上市。

                                                        5
                                                                                          2013 年第三季度报告

    2012 年 2 月 8 日,本公司 2012 年第一次临时股东大会审议通过了本公司 A 股可转换公司债券发行相
关议案。

    2012 年 5 月 28 日,本公司公告提及中国保险监督管理委员会核准了本公司发行 A 股次级可转换公司
债券。

    2012 年 12 月 18 日,本公司公告提及本公司董事会审议通过了《关于延长公开发行 A 股可转换公司债
券(含次级条款)相关决议有效期的议案》及《关于更新董事会一般性授权发行新股的议案》。

    2013 年 2 月 5 日,本公司 2013 年第一次临时股东大会审议通过了《关于延长公开发行 A 股可转换公
司债券(含次级条款)相关决议有效期的议案》及《关于更新董事会一般性授权发行新股的议案》。

    2013 年 3 月 27 日,中国证券监督管理委员会发行审核委员会 2013 年第 30 次工作会议审核通过了本公
司公开发行 A 股可转换公司债券(附次级条款)的申请。

    截至本报告披露之日,本次 A 股次级可转换公司债券发行尚需取得有关证券监管部门的最终批准。

    详细内容请查阅本公司于 2011 年 12 月 21 日、2012 年 2 月 9 日、2012 年 5 月 29 日、2012 年 12 月 19
日、2013 年 2 月 6 日、2013 年 3 月 28 日及 2013 年 9 月 9 日在《上海证券报》、《中国证券报》、《证券
时报》、《证券日报》以及上海证券交易所网站(www.sse.com.cn)发布的相关公告。

4.3 公司、股东及实际控制人承诺事项履行情况

√ 适用 □不适用

股东承诺

(1)本公司于 2010 年 2 月 22 日接获林芝新豪时投资发展有限公司、林芝景傲实业发展有限公司和工布江
     达江南实业发展有限公司三家股东的书面通知。根据该等书面通知,林芝新豪时投资发展有限公司和
     林芝景傲实业发展有限公司将在 5 年内以在二级市场公开出售和大宗交易相结合的方式减持,每年减
     持本公司的股份将分别不超过 389,592,366 股 A 股股份及 331,117,788 股 A 股股份的 30%。工布江达江
     南实业发展有限公司拥有本公司 A 股股份中的 88,112,886 股在 5 年内也将以在二级市场公开出售和大
     宗交易相结合的方式进行减持,每年减持本公司的股份将不超过 88,112,886 股 A 股股份的 30%。

(2)根据本公司股东同盈贸易有限公司、隆福集团有限公司、商发控股有限公司及易盛发展有限公司(均
     为卜蜂集团有限公司全资子公司)于 2012 年 12 月 31 日披露的权益变动报告书,其由于相关权益变动
     涉及的本公司股票的限售期生效日由 2012 年 12 月 5 日起计,并于第二个交易完成日(2013 年 2 月 6
     日)起计六个月当日(2013 年 8 月 6 日)止结束。

    截至2013年9月30日,上述第(1)项承诺仍在履行之中,第(2)项承诺已经履行完毕,没有出现违反
承诺的情况。

投资深发展3所作出的承诺

     平安寿险就认购深发展非公开发行 379,580,000 股新股承诺:自上述认购的股份上市之日起(即 2010
年 9 月 17 日)36 个月内不得转让本次认购股份,但是,在法律许可及相关监管部门同意的前提下,在平安
寿险与其关联机构(包括平安寿险的控股股东、实际控制人以及与平安寿险同一实际控制人控制的不同主
体)之间进行转让不受此限。平安寿险如有违反上述承诺的卖出交易,将授权中国证券登记结算有限责任
公司深圳分公司将卖出本次认购股份的所得资金划入深发展上市公司账户归深发展全体股东所有。

3
  深发展,指原深圳发展银行股份有限公司,2010 年 5 月开始是本公司的联营公司,2011 年 7 月转为本公司的子公司,于
2012 年 7 月 27 日更名为“平安银行股份有限公司”。

                                                       6
                                                                                            2013 年第三季度报告



      截至2013年9月30日,上述承诺已经履行完毕,没有出现违反承诺的情况。

 与深发展重大资产重组所作出的承诺

(1)本公司承诺,自本次深发展非公开发行股份发行结束之日起 36 个月内不得转让本公司及子公司持有的
     深发展全部股份。但是,在适用法律许可的前提下,在本公司与本公司关联机构(即在任何直接或间接
     控制本公司、直接或间接受本公司控制、与本公司共同受他人控制的人)之间进行转让不受此限。上述
     期限届满之后本公司可按中国证监会及深圳证券交易所的有关规定处置该等新发行股份。

(2)根据本公司与深发展于 2010 年 9 月 14 日签署的《盈利预测补偿协议》的约定,深发展应于本次深发展
     发行股份购买资产实施完毕后的 3 年内(“补偿期间”),在每一年度结束后的 4 个月内,根据中国会
     计准则编制原平安银行4在该等年度的备考净利润数值(“已实现盈利数”),并促使其聘请的会计师事
     务所尽快就该等已实现盈利数以及该等已实现盈利数与相应的利润预测数(“利润预测数”)之间的差
     异金额(“差异金额”)出具专项审核意见(“专项审核意见”)。如果根据该专项审核意见,补偿期
     间的任何一年度内的实际盈利数低于相应的利润预测数,则本公司应以现金方式向深发展支付前述实际
     盈利数与利润预测数之间的差额部份的 90.75%(“补偿金额”)。本公司应在针对该年度的专项审核意
     见出具后的 20 个营业日内将该等金额全额支付至深发展指定的银行账户。

(3)就原平安银行两处尚未办理房产证的房产,本公司出具了《中国平安保险(集团)股份有限公司关于为
     平安银行股份有限公司潜在房产权属纠纷提供补偿的承诺函》。根据该承诺函,本公司承诺,如果未来
     原平安银行的上述房产产生权属纠纷,本公司将尽力协调各方,争取妥善解决纠纷,避免对银行正常经
     营秩序造成不利影响。如果因房产权属纠纷导致上述分支机构需要承担额外的成本或者发生收入下降的
     情形,本公司承诺将以现金方式补偿给深发展因原平安银行处理房产纠纷而产生的盈利损失。

     此外,本公司还就上述两处尚未办理房产证的房产出具了《中国平安保险(集团)股份有限公司关于平
     安银行股份有限公司存在权属瑕疵的房产的解决方案的承诺函》。根据该承诺函,本公司承诺,在本次
     交易完成后的三年内,如果深发展未能就该两处房产办理房产证且未能妥善处置该等房产,则本公司将
     在该三年的期限届满后的三个月内以公平合理的价格购买或者指定第三方购买该等房产。

(4)本公司承诺,与深发展重大资产重组完成后,在本公司作为深发展的控股股东期间,针对本公司以及本
     公司控制的其他企业未来拟从事或实质性获得深发展同类业务或商业机会,且该等业务或商业机会所形
     成的资产和业务与深发展可能构成潜在同业竞争的情况,本公司以及本公司控制的其他企业将不从事与
     深发展相同或相近的业务,以避免与深发展的业务经营构成直接或间接的竞争。

(5)本公司承诺,在与深发展重大资产重组完成后,就本公司及本公司控制的其他企业与深发展之间发生的
     构成深发展关联交易的事项,本公司及本公司控制的其他企业将遵循市场交易的公开、公平、公正的原
     则,按照公允、合理的市场价格与深发展进行交易,并依据有关法律、法规及规范性文件的规定履行决
     策程序,依法履行信息披露义务。本公司保证本公司及本公司控制的其他企业将不通过与深发展的交易
     取得任何不正当的利益或使深发展承担任何不正当的义务。

(6)本公司承诺,本次重大资产重组完成后,在本公司作为深发展的控股股东期间,将维护深发展的独立性,
     保证深发展在人员、资产、财务、机构、业务等方面与本公司以及本公司控制的其他企业彼此间独立。

     截至2013年9月30日,上述承诺仍在履行之中,没有出现违反承诺的情况。就上述第(2)项承诺,亦
 未出现本公司向深发展支付补偿金的情况。

 4
   原平安银行,指原平安银行股份有限公司,2011 年 7 月前是本公司的子公司,2011 年 7 月开始是深发展的子公司,因被深
 发展吸收合并,于 2012 年 6 月 12 日注销。

                                                        7
                                                                                                         2013 年第三季度报告

4.4 预测年初至下一报告期期末的累计净利润可能为亏损或者与上年同期相比发生大幅度变动的警示及原

因说明

□ 适用 √ 不适用

4.5 报告期内现金分红政策的执行情况
    2013 年 5 月 10 日,本公司股东大会决议,以总股本 7,916,142,092 股为基数,派发公司 2012 年度末期
股息,每股派发现金股息人民币 0.30 元(含税),共计人民币 2,374,842,627.60 元。该利润分配方案已经实
施完毕。
    2013 年 8 月 29 日,本公司董事会决议,以总股本 7,916,142,092 股为基数,派发公司 2013 年度中期股
息,每股派发现金股息人民币 0.20 元(含税),共计人民币 1,583,228,418.40 元。该利润分配方案已经实施
完毕。

4.6 担保情况

                                                                                                         单位: 人民币百万元

                                  公司对外担保情况(不包括对控股子公司的担保)
 报告期内担保发生额合计                                                                                                        -
 报告期末担保余额合计                                                                                                          -
                                              公司对控股子公司的担保情况
 报告期内对子公司担保发生额合计                                                                                        4,303
 报告期末对子公司担保余额合计                                                                                         10,513
                                   公司担保总额情况(包括对控股子公司的担保)
 担保总额                                                                                                             10,513
 担保总额占公司净资产的比例(%)                                                                                           5.8
 其中:直接或间接为资产负债率超过 70%的被担保对象提供的担保余额                                                        6,091
注:上表中的数据未包含本公司的控股子公司平安银行等按照监管部门批准的经营范围开展的金融担保业务的数据。




                                                                                     中国平安保险(集团)股份有限公司
                                                                                         董事长兼首席执行官 马明哲
                                                                                           二〇一三年十月二十五日




                                                                8
                                                                                         2013 年第三季度报告

§5 附录
                                   中国平安保险(集团)股份有限公司

                                             合并资产负债表

                                            2013 年 9 月 30 日
                                                             单位:百万元     币种:人民币   审计类型:未经审计
                                                                 2013 年 9 月 30 日          2012 年 12 月 31 日
                                                                     (未经审计)                  (经审计)
 资产
   货币资金                                                                  355,831                    383,223
   结算备付金                                                                  1,823                        711
   拆出资金                                                                   22,833                     65,426
   以公允价值计量且其变动计入当期损益的金融资产                               38,555                     27,755
   衍生金融资产                                                                1,379                        972
   买入返售金融资产                                                          263,979                    190,788
   应收利息                                                                   34,249                     28,668
   应收保费                                                                   19,806                     18,756
  应收账款                                                                     6,350                      8,979
   应收分保账款                                                                6,806                      6,109
   应收分保合同准备金                                                         11,897                      9,341
   保户质押贷款                                                               23,907                     18,558
   发放贷款及垫款                                                            845,142                    709,402
   存出保证金                                                                    907                        409
  存货                                                                         2,233                      1,119
   定期存款                                                                  204,330                    212,110
   可供出售金融资产                                                          285,173                    295,976
   持有至到期投资                                                            665,360                    566,009
   应收款项类投资                                                            269,131                    136,000
   长期股权投资                                                               15,838                     15,895
   商誉                                                                       11,769                     11,769
   存出资本保证金                                                             10,958                     10,958
   投资性房地产                                                               18,739                     15,049
   固定资产                                                                   15,575                     15,673
   无形资产                                                                   25,855                     25,568
   递延所得税资产                                                             10,443                     10,680
   其他资产                                                                   38,851                     22,122
   独立账户资产                                                               41,050                     36,241
   资产总计                                                                 3,248,769                 2,844,266
 负债及股东权益


                                                    9
                                                                             2013 年第三季度报告

 负债
   短期借款                                                      10,276                      3,566
   向中央银行借款                                                 2,473                     16,168
   银行同业及其他金融机构存放款项                               395,156                    351,579
   拆入资金                                                      23,326                     39,268
   交易性金融负债                                                 3,600                      1,722
   衍生金融负债                                                   1,669                        952
   卖出回购金融资产款                                           124,580                    154,977
   吸收存款                                                    1,216,076                   979,325
   代理买卖证券款                                                 6,909                       7,611
   应付账款                                                       2,127                      3,615
   预收款项                                                       3,774                      4,331
   预收保费                                                       5,291                     11,179
   应付手续费及佣金                                               3,639                      2,701
   应付分保账款                                                   8,356                      6,475
   应付职工薪酬                                                  10,241                      9,567
   应交税费                                                       7,473                      5,816
   应付利息                                                      15,415                     11,497
   应付赔付款                                                    21,126                     17,935
   应付保单红利                                                  24,785                     21,681
   保户储金及投资款                                             304,553                    267,095
   保险合同准备金                                               698,150                    613,926
   长期借款                                                      15,707                      9,734
   应付债券                                                      32,432                     38,793
   递延所得税负债                                                 4,064                      5,599
   其他负债                                                      30,028                     13,264
   独立账户负债                                                  41,050                     36,241
   负债合计                                                    3,012,276                  2,634,617
 股东权益
   股本                                                           7,916                      7,916
   资本公积                                                      85,090                     84,121
   盈余公积                                                       6,982                      6,982
   一般风险准备                                                     395                        395
   未分配利润                                                    79,484                     60,103
   外币报表折算差额                                                 106                        100
   归属于母公司股东权益合计                                     179,973                    159,617
   少数股东权益                                                  56,520                     50,032
   股东权益合计                                                 236,493                    209,649
   负债和股东权益合计                                          3,248,769                  2,844,266
公司法定代表人: 马明哲              主管会计工作负责人: 姚波     会计机构负责人: 麦伟林




                                                      10
                                                                                      2013 年第三季度报告

                                  中国平安保险(集团)股份有限公司

                                           合并利润表
                                         2013 年 1-9 月
                                                           单位:百万元   币种:人民币      审计类型:未经审计

                                              2013 年                               2012 年

                                             7-9 月             1-9 月            7-9 月               1-9 月
                                       (未经审计)     (未经审计)       (未经审计)         (未经审计)


一、营业收入

   保险业务收入                              60,071            204,531            52,093              179,905

       其中:分保费收入                          22                 50                13                   57

   减:分出保费                              (4,361)           (13,802)           (3,014)             (10,187)

       提取未到期责任准备金                  (2,542)            (6,531)           (1,862)              (6,930)

   已赚保费                                  53,168            184,198            47,217              162,788

   银行业务利息收入                          24,293             67,647            19,020               56,391

   银行业务利息支出                         (13,344)           (37,258)          (10,224)             (30,729)

   银行业务利息净收入                        10,949             30,389             8,796               25,662

   非保险业务手续费及佣金收入                 4,290             10,968             2,613                7,640

   非保险业务手续费及佣金支出                 (541)             (1,286)            (340)                (945)

   非保险业务手续费及佣金净收入               3,749              9,682             2,273                6,695

   投资收益                                  14,222             42,219             6,190               24,438

   公允价值变动损益                              79                 11               (73)                  82

   汇兑损益                                   (181)              (286)                16                  252

   其他业务收入                               3,023              8,270             2,486                6,519

   营业收入合计                              85,009            274,483            66,905              226,436

二、营业支出

   退保金                                    (1,876)            (5,588)           (1,374)              (3,950)

   保险合同赔付支出                         (22,551)           (65,653)          (19,493)             (58,255)

   减:摊回保险合同赔付支出                   2,406              6,343             1,396                3,900

   提取保险责任准备金                       (19,226)           (76,755)          (15,368)             (59,715)

   减:摊回保险责任准备金                       301              1,594               557                1,037

   保单红利支出                               (867)             (4,349)            (937)               (4,721)

   分保费用                                      (3)                (6)               (2)                  (5)

   保险业务手续费及佣金支出                  (6,098)           (18,970)           (4,457)             (15,595)

   营业税金及附加                            (3,158)            (8,712)           (2,555)              (7,633)


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                                                                                       2013 年第三季度报告


    业务及管理费                                  (17,812)     (47,787)           (14,276)          (39,616)

                                                    1,516        4,076              1,019             3,448
    减:摊回分保费用

    财务费用                                        (691)       (2,046)              (605)           (1,504)

    其他业务成本                                   (4,703)     (13,018)            (3,533)          (10,510)

    资产减值损失                                   (2,118)      (5,907)            (2,593)           (8,083)

    营业支出合计                                  (74,880)    (236,778)           (62,221)         (201,202)

三、营业利润                                       10,129       37,705              4,684            25,234

    加:营业外收入                                    104          230                 80               182

    减:营业外支出                                    (42)        (393)               (64)             (195)

四、利润总额                                       10,191       37,542              4,700            25,221

    减:所得税                                     (2,510)      (8,090)              (794)           (3,788)

五、净利润                                          7,681       29,452              3,906            21,433

    归属于母公司股东的净利润                        5,429       23,339              2,126            16,085

    少数股东损益                                    2,252        6,113              1,780             5,348

六、每股收益 (人民币元)

    基本每股收益                                     0.69         2.95               0.27              2.03

    稀释每股收益                                     0.69         2.95               0.27              2.03

七、其他综合收益                                    3,205          716             (2,049)            2,534

八、综合收益总额                                   10,886       30,168              1,857            23,967

    归属母公司股东的综合收益总额                    8,836       24,326                623            18,951

    归属少数股东的综合收益总额                      2,050        5,842              1,234             5,016



公司法定代表人: 马明哲             主管会计工作负责人: 姚波               会计机构负责人: 麦伟林




                                                      12
                                                                                            2013 年第三季度报告

                                   中国平安保险(集团)股份有限公司

                                               合并现金流量表

                                               2013 年 1-9 月
                                                                 单位:百万元   币种:人民币   审计类型:未经审计

                                                                         2013 年 1-9 月          2012 年 1-9 月
                                                                            (未经审计)              (未经审计)
一、经营活动产生的现金流量

  客户存款和同业存放款项净增加额                                                 280,240                 239,372

  收到原保险合同保费取得的现金                                                   197,754                 173,897

  向央行借款净增加额                                                                    -                 24,676

  保户储金及投资款净增加额                                                        28,782                  28,312

  收取利息、手续费及佣金的现金                                                    63,599                  53,394

  银行业务及证券业务拆借资金净增加额                                              17,484                          -

  银行业务应收账款净减少额                                                         3,624                  72,186

  收到的其他与经营活动有关的现金                                                  23,083                   5,992

  经营活动现金流入小计                                                           614,566                 597,829

  发放贷款及垫款净增加额                                                        (111,838)                (85,080)

  再保业务产生的现金净额                                                          (2,260)                 (2,361)

  支付原保险合同赔付款项的现金                                                   (62,097)                (54,842)

  存放中央银行和银行同业款项净增加额                                             (24,101)                (49,800)

  向中央银行借款净减少额                                                         (13,717)                         -

  银行业务及证券业务买入返售业务资金净增加额                                     (37,698)                (65,213)

  银行业务及证券业务卖出回购业务资金净减少额                                      (7,307)                 (7,387)

  银行业务及证券业务拆借资金净减少额                                                    -                (16,785)

  银行业务应付账款净减少额                                                        (1,689)                (40,758)

  支付利息、手续费及佣金的现金                                                   (51,281)                (45,000)

  支付保单红利的现金                                                              (1,922)                 (2,158)

  支付给职工以及为职工支付的现金                                                 (23,456)                (19,106)

  支付的各项税费                                                                 (16,578)                (16,241)

  支付的其他与经营活动有关的现金                                                 (51,761)                (32,249)

  经营活动现金流出小计                                                          (405,705)               (436,980)

  经营活动产生的现金流量净额                                                     208,861                 160,849

二、投资活动产生的现金流量

  收回投资所收到的现金                                                           912,649                 672,702

  取得投资收益收到的现金                                                          48,277                  34,929


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                                                                              2013 年第三季度报告

  处置固定资产、无形资产和其他长期资产收回的现金净额                    96                    151

  处置子公司增加的现金净额                                             109                    525

  收到的其他与投资活动有关的现金                                       807                   2,741

  投资活动现金流入小计                                             961,938                 711,048

  投资支付的现金                                                (1,155,151)              (814,907)

  购建固定资产、无形资产和其他长期资产支付的现金                    (5,172)                (3,136)

  保户质押贷款净增加额                                              (5,388)                (3,297)

  收购子公司支付的现金净额                                           (176)                 (2,339)

  投资活动现金流出小计                                          (1,165,887)              (823,679)

  投资活动产生的现金流量净额                                     (203,949)               (112,631)

三、筹资活动产生的现金流量

  吸收投资收到的现金                                                 1,233                    461

  其中:子公司吸收少数股东投资收到的现金                             1,233                    461

  取得借款收到的现金                                                28,936                   1,821

  发行债券所收到的现金                                               1,400                   8,998

  保险业务卖出回购业务资金净增加额                                        -                  5,133

  筹资活动现金流入小计                                              31,569                  16,413

  偿还债务支付的现金                                              (19,823)                 (3,709)

  分配股利、利润或偿付利息支付的现金                               (11,123)                (5,795)

  其中:子公司支付给少数股东的股利                                   (731)                   (151)

  购买子公司少数股权支付的现金                                            -                (2,575)

  保险业务卖出回购业务资金净减少额                                (23,975)                          -

  筹资活动现金流出小计                                            (54,921)                (12,079)

  筹资活动产生的现金流量净额                                      (23,352)                   4,334

四、汇率变动对现金及现金等价物的影响                                 (549)                     58

五、现金及现金等价物净增加额                                      (18,989)                  52,610

  加:期初现金及现金等价物余额                                     246,886                 110,481

六、期末现金及现金等价物余额                                       227,897                 163,091



公司法定代表人: 马明哲               主管会计工作负责人: 姚波   会计机构负责人: 麦伟林




                                                       14
                                                                                           2013 年第三季度报告

                                     中国平安保险(集团)股份有限公司

                                            母公司资产负债表

                                            2013 年 9 月 30 日
                                                              单位:百万元     币种:人民币   审计类型:未经审计

                                                                 2013 年 9 月 30 日           2012 年 12 月 31 日
                                                                      (未经审计)                    (经审计)

 资产

   货币资金                                                                    7,461                       8,858

   以公允价值计量且其变动计入当期损益的金融资产                                8,833                       6,985

   买入返售金融资产                                                            6,741                       1,780

   应收利息                                                                      99                           95

   定期存款                                                                     500                        1,000

   可供出售金融资产                                                            1,351                       1,880

   应收款项类投资                                                                  -                         100

   长期股权投资                                                              112,308                     111,045

   固定资产                                                                      26                           33

   应收股利                                                                       4                        1,011

   其他资产                                                                     362                          128

    资产总计                                                               137,685                       132,915

 负债及股东权益

 负债

   短期借款                                                                    1,700                       1,200

   卖出回购金融资产款                                                              -                         200

   应付职工薪酬                                                                 526                          483
   应交税费                                                                      19                            2
   应付利息                                                                       9                            9
   长期借款                                                                    4,430                       4,230
   其他负债                                                                     716                           96
   负债合计                                                                    7,400                       6,220

 股东权益
   股本                                                                        7,916                       7,916
   资本公积                                                                  83,688                       83,715
   盈余公积                                                                    6,982                       6,982
   一般风险准备                                                                 395                          395
   未分配利润                                                                31,304                       27,687
   股东权益合计                                                            130,285                       126,695
   负债和股东权益总计                                                      137,685                       132,915
公司法定代表人: 马明哲             主管会计工作负责人: 姚波                     会计机构负责人: 麦伟林

                                                    15
                                                                                   2013 年第三季度报告

                         中国平安保险(集团)股份有限公司
                                     母公司利润表
                                     2013 年 1-9 月
                                                       单位:百万元    币种:人民币       审计类型:未经审计

                                       2013 年                                  2012 年

                                       7-9 月              1-9 月              7-9 月                1-9 月
                                (未经审计)        (未经审计)        (未经审计)           (未经审计)

一、营业收入

    投资收益                             253               8,000                 424                  6,776

    汇兑损益                              (2)                  1                  (8)                   (7)

    其他业务收入                          66                 193                  50                    149

    营业收入合计                         317               8,194                 466                  6,918

二、营业支出

    营业税金及附加                        (4)                (11)                 (3)                   (9)

    业务及管理费                        (129)               (362)               (124)                 (301)

    财务费用                             (84)               (240)                (72)                 (217)

    其他业务成本                          (1)                 (1)                 (1)                   (1)

    营业支出合计                        (218)               (614)               (200)                 (528)

三、营业利润                              99               7,580                 266                  6,390

  加:营业外收入                            -                  1                      1                   2

  减:营业外支出                          (6)                 (6)                     -                (22)

四、利润总额                              93               7,575                 267                  6,370

    减:所得税                              -                   -                     -                 (2)

五、净利润                                93               7,575                 267                  6,368

六、其他综合收益                         (23)                (27)                (58)                    86

七、综合收益总额                          70               7,548                 209                  6,454


公司法定代表人: 马明哲   主管会计工作负责人: 姚波                     会计机构负责人: 麦伟林




                                            16
                                                                                              2013 年第三季度报告

                                       中国平安保险(集团)股份有限公司

                                              母公司现金流量表

                                                2013 年 1-9 月
                                                                  单位:百万元    币种:人民币   审计类型:未经审计

                                                                    2013 年 1-9 月              2012 年 1-9 月
                                                                     (未经审计)                  (未经审计)
一、经营活动产生的现金流量
    收到的其他与经营活动有关的现金                                                  191                        151
    经营活动现金流入小计                                                            191                        151
    支付给职工以及为职工支付的现金                                                (162)                       (121)
    支付的各项税费                                                                 (21)                        (15)
    支付的其他与经营活动有关的现金                                                (222)                       (238)
    经营活动现金流出小计                                                          (405)                       (374)
    经营活动产生的现金流量净额                                                    (214)                       (223)
二、投资活动产生的现金流量
    收回投资所收到的现金                                                          2,918                      12,924
    取得投资收益收到的现金                                                        8,853                       6,317
    投资活动现金流入小计                                                         11,771                      19,241
    投资支付的现金                                                               (4,764)                    (7,625)
    购建固定资产、无形资产和其他长期资产支付的现金                                      -                          (5)
    支付的其他与投资活动有关的现金                                                    (3)                            -
    投资活动现金流出小计                                                         (4,767)                    (7,630)
    投资活动产生的现金流量净额                                                    7,004                      11,611
三、筹资活动产生的现金流量
    取得借款收到的现金                                                            2,200                       1,200
    卖出回购业务资金净增加额                                                            -                      250
    筹资活动现金流入小计                                                          2,200                       1,450
    偿还债务支付的现金                                                           (1,500)                    (1,200)
    卖出回购业务资金净减少额                                                      (200)                              -
    分配股利及偿付利息支付的现金                                                 (3,570)                    (2,202)
    筹资活动现金流出小计                                                         (5,270)                    (3,402)
    筹资活动产生的现金流量净额                                                   (3,070)                    (1,952)
四、汇率变动对现金及现金等价物的影响                                                   1                           (7)
五、现金及现金等价物净增加额                                                      3,721                       9,429
    加:期初现金及现金等价物余额                                                 11,973                        453
六、期末现金及现金等价物余额                                                     15,694                       9,882


公司法定代表人: 马明哲               主管会计工作负责人: 姚波                     会计机构负责人: 麦伟林



                                                      17