PICC P&C (02328) Income Statement & Earnings

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PICC P&C (02328) Income Statement

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YOY

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(FY)Dec 31, 2025

(Q6)Jun 30, 2025

(FY)Dec 31, 2024

(Q6)Jun 30, 2024

(FY)Dec 31, 2023

(Q6)Jun 30, 2023

(FY)Dec 31, 2022

(Q6)Jun 30, 2022

(FY)Dec 31, 2021

(Q6)Jun 30, 2021

Net premium income has been realized

5.43%511.59B

5.60%249.04B

6.13%485.22B

5.11%235.84B

7.74%457.2B

9.35%224.37B

6.89%424.36B

8.12%205.19B

0.98%397B

-2.42%189.77B

-Net premium income

5.43%511.59B

5.60%249.04B

6.13%485.22B

5.11%235.84B

7.74%457.2B

9.35%224.37B

-5.60%424.36B

-18.78%205.19B

3.77%449.53B

2.57%252.63B

-Including:Total premium income

5.43%511.59B

5.60%249.04B

6.13%485.22B

5.11%235.84B

7.74%457.2B

9.35%224.37B

-5.60%424.36B

-18.78%205.19B

3.77%449.53B

2.57%252.63B

Investment income

----

-201.98%-3.71B

-49.28%1.8B

139.08%3.63B

2,360.42%3.54B

Banking income

0.62%11.93B

6.42%6.08B

1.28%11.86B

-3.05%5.71B

--11.71B

--5.89B

----

Special items of income

22.53%27.56B

41.58%11.69B

129.49%22.5B

35.55%8.26B

-53.86%9.8B

-43.71%6.09B

14.09%21.24B

6.10%10.82B

5.68%18.62B

10.07%10.2B

Total income

6.06%551.09B

6.81%266.81B

8.54%519.58B

5.69%249.81B

8.33%478.72B

8.51%236.35B

5.40%441.89B

7.02%217.81B

1.69%419.25B

-0.19%203.52B

Net payments and claims

----

-12.40%-292.59B

-7.21%-136.03B

-Claims and withdrawal of outstanding claims

----

-12.40%-292.59B

-7.21%-136.03B

Insurance business expenses and other expenses

-4.59%-502.41B

-4.34%-237.45B

-6.86%-480.37B

-5.58%-227.58B

-9.23%-449.53B

-9.43%-215.55B

-291.36%-411.55B

-296.72%-196.97B

19.86%-105.16B

21.11%-49.65B

-Investment contract expenditure

----

-9.65%-500M

6.95%-241M

-7.55%-456M

-25.12%-259M

-Administration expense

----

-3.89%-10.21B

-10.30%-5.71B

-Financial expenses - expenses

----

0.90%-1.53B

-54.71%-953M

-Exchange Losses-expenditure

-1,937.50%-163M

-246.15%-57M

-107.21%-8M

-85.77%39M

-85.38%111M

-35.38%274M

369.15%759M

524.00%424M

54.59%-282M

-167.11%-100M

-Special items of operating payout

-65.12%-2.91B

-33.53%-1.39B

19.97%-1.76B

-51.31%-1.04B

-21.18%-2.2B

15.31%-686M

98.04%-1.82B

98.10%-810M

21.99%-92.68B

25.32%-42.63B

Total payment、 claims and expenses

-4.59%-502.41B

-4.34%-237.45B

-6.86%-480.37B

-5.58%-227.58B

-9.23%-449.53B

-9.43%-215.55B

-3.47%-411.55B

-6.08%-196.97B

-1.58%-397.75B

2.18%-185.68B

Operating profit

24.15%48.68B

32.05%29.36B

34.34%39.21B

6.89%22.24B

-3.81%29.19B

-0.18%20.8B

41.10%30.34B

16.83%20.84B

3.76%21.5B

26.72%17.84B

Financial expenses - before tax

18.19%-976M

21.77%-460M

-3.65%-1.19B

-12.64%-588M

-14.53%-1.15B

0.76%-522M

---1.01B

---526M

----

Attributable share of joint ventures and joint ventures

----

49.91%3.47B

5.59%4.78B

23.28%2.31B

14.50%4.52B

7.94%1.88B

Special items of profit

----

---95M

----

Earning before tax

25.48%47.7B

33.51%28.9B

35.60%38.02B

-8.85%21.65B

-17.59%28.04B

4.96%23.75B

30.71%34.02B

14.77%22.63B

5.48%26.03B

24.65%19.72B

Tax

-25.11%-7.32B

-40.88%-4.45B

-68.75%-5.85B

9.64%-3.16B

29.38%-3.47B

-2.52%-3.5B

-34.10%-4.91B

-5.90%-3.41B

3.81%-3.66B

-22.02%-3.22B

After-tax profit from continuing operations

25.55%40.38B

32.25%24.46B

30.92%32.16B

-8.71%18.49B

-15.60%24.57B

5.39%20.26B

30.15%29.11B

16.51%19.22B

7.17%22.37B

25.18%16.5B

Earning After tax

25.55%40.38B

32.25%24.46B

30.92%32.16B

-8.71%18.49B

-15.60%24.57B

5.39%20.26B

30.15%29.11B

16.51%19.22B

7.17%22.37B

25.18%16.5B

Minority profit

158.33%7M

0.00%1M

36.84%-12M

-50.00%1M

65.45%-19M

0.00%2M

-1,200.00%-55M

200.00%2M

--5M

---2M

Profits attributable to shareholders

25.48%40.37B

32.26%24.45B

30.86%32.17B

-8.71%18.49B

-15.70%24.59B

5.39%20.25B

30.42%29.16B

16.48%19.22B

7.15%22.36B

25.19%16.5B

Basic earnings per share

25.52%1.815

32.25%1.099

30.86%1.446

-8.78%0.831

-15.71%1.105

5.44%0.911

30.45%1.311

16.44%0.864

7.14%1.005

25.13%0.742

Diluted earnings per share

25.52%1.815

32.25%1.099

30.86%1.446

-8.78%0.831

-15.71%1.105

5.44%0.911

30.45%1.311

16.44%0.864

7.14%1.005

25.13%0.742

Currency Unit

CNY

Accounting Standards

HKAS

Audit Opinions

Unqualified Opinion

Auditor

Ernst & Young Huaming Certified Public Accountants (Special General Partnership), Ernst & Young

PwC, PwC Zhongtian Certified Public Accountants (Special General Partnership)

	(FY)Dec 31, 2025	(Q6)Jun 30, 2025	(FY)Dec 31, 2024	(Q6)Jun 30, 2024	(FY)Dec 31, 2023	(Q6)Jun 30, 2023	(FY)Dec 31, 2022	(Q6)Jun 30, 2022	(FY)Dec 31, 2021	(Q6)Jun 30, 2021
Net premium income has been realized	5.43%511.59B	5.60%249.04B	6.13%485.22B	5.11%235.84B	7.74%457.2B	9.35%224.37B	6.89%424.36B	8.12%205.19B	0.98%397B	-2.42%189.77B
-Net premium income	5.43%511.59B	5.60%249.04B	6.13%485.22B	5.11%235.84B	7.74%457.2B	9.35%224.37B	-5.60%424.36B	-18.78%205.19B	3.77%449.53B	2.57%252.63B
-Including:Total premium income	5.43%511.59B	5.60%249.04B	6.13%485.22B	5.11%235.84B	7.74%457.2B	9.35%224.37B	-5.60%424.36B	-18.78%205.19B	3.77%449.53B	2.57%252.63B
Investment income	----	----	----	----	----	----	-201.98%-3.71B	-49.28%1.8B	139.08%3.63B	2,360.42%3.54B
Banking income	0.62%11.93B	6.42%6.08B	1.28%11.86B	-3.05%5.71B	--11.71B	--5.89B	----	----	----	----
Special items of income	22.53%27.56B	41.58%11.69B	129.49%22.5B	35.55%8.26B	-53.86%9.8B	-43.71%6.09B	14.09%21.24B	6.10%10.82B	5.68%18.62B	10.07%10.2B
Total income	6.06%551.09B	6.81%266.81B	8.54%519.58B	5.69%249.81B	8.33%478.72B	8.51%236.35B	5.40%441.89B	7.02%217.81B	1.69%419.25B	-0.19%203.52B
Net payments and claims	----	----	----	----	----	----	----	----	-12.40%-292.59B	-7.21%-136.03B
-Claims and withdrawal of outstanding claims	----	----	----	----	----	----	----	----	-12.40%-292.59B	-7.21%-136.03B
Insurance business expenses and other expenses	-4.59%-502.41B	-4.34%-237.45B	-6.86%-480.37B	-5.58%-227.58B	-9.23%-449.53B	-9.43%-215.55B	-291.36%-411.55B	-296.72%-196.97B	19.86%-105.16B	21.11%-49.65B
-Investment contract expenditure	----	----	----	----	----	----	-9.65%-500M	6.95%-241M	-7.55%-456M	-25.12%-259M
-Administration expense	----	----	----	----	----	----	----	----	-3.89%-10.21B	-10.30%-5.71B
-Financial expenses - expenses	----	----	----	----	----	----	----	----	0.90%-1.53B	-54.71%-953M
-Exchange Losses-expenditure	-1,937.50%-163M	-246.15%-57M	-107.21%-8M	-85.77%39M	-85.38%111M	-35.38%274M	369.15%759M	524.00%424M	54.59%-282M	-167.11%-100M
-Special items of operating payout	-65.12%-2.91B	-33.53%-1.39B	19.97%-1.76B	-51.31%-1.04B	-21.18%-2.2B	15.31%-686M	98.04%-1.82B	98.10%-810M	21.99%-92.68B	25.32%-42.63B
Total payment、 claims and expenses	-4.59%-502.41B	-4.34%-237.45B	-6.86%-480.37B	-5.58%-227.58B	-9.23%-449.53B	-9.43%-215.55B	-3.47%-411.55B	-6.08%-196.97B	-1.58%-397.75B	2.18%-185.68B
Operating profit	24.15%48.68B	32.05%29.36B	34.34%39.21B	6.89%22.24B	-3.81%29.19B	-0.18%20.8B	41.10%30.34B	16.83%20.84B	3.76%21.5B	26.72%17.84B
Financial expenses - before tax	18.19%-976M	21.77%-460M	-3.65%-1.19B	-12.64%-588M	-14.53%-1.15B	0.76%-522M	---1.01B	---526M	----	----
Attributable share of joint ventures and joint ventures	----	----	----	----	----	49.91%3.47B	5.59%4.78B	23.28%2.31B	14.50%4.52B	7.94%1.88B
Special items of profit	----	----	----	----	----	----	---95M	----	----	----
Earning before tax	25.48%47.7B	33.51%28.9B	35.60%38.02B	-8.85%21.65B	-17.59%28.04B	4.96%23.75B	30.71%34.02B	14.77%22.63B	5.48%26.03B	24.65%19.72B
Tax	-25.11%-7.32B	-40.88%-4.45B	-68.75%-5.85B	9.64%-3.16B	29.38%-3.47B	-2.52%-3.5B	-34.10%-4.91B	-5.90%-3.41B	3.81%-3.66B	-22.02%-3.22B
After-tax profit from continuing operations	25.55%40.38B	32.25%24.46B	30.92%32.16B	-8.71%18.49B	-15.60%24.57B	5.39%20.26B	30.15%29.11B	16.51%19.22B	7.17%22.37B	25.18%16.5B
Earning After tax	25.55%40.38B	32.25%24.46B	30.92%32.16B	-8.71%18.49B	-15.60%24.57B	5.39%20.26B	30.15%29.11B	16.51%19.22B	7.17%22.37B	25.18%16.5B
Minority profit	158.33%7M	0.00%1M	36.84%-12M	-50.00%1M	65.45%-19M	0.00%2M	-1,200.00%-55M	200.00%2M	--5M	---2M
Profits attributable to shareholders	25.48%40.37B	32.26%24.45B	30.86%32.17B	-8.71%18.49B	-15.70%24.59B	5.39%20.25B	30.42%29.16B	16.48%19.22B	7.15%22.36B	25.19%16.5B
Basic earnings per share	25.52%1.815	32.25%1.099	30.86%1.446	-8.78%0.831	-15.71%1.105	5.44%0.911	30.45%1.311	16.44%0.864	7.14%1.005	25.13%0.742
Diluted earnings per share	25.52%1.815	32.25%1.099	30.86%1.446	-8.78%0.831	-15.71%1.105	5.44%0.911	30.45%1.311	16.44%0.864	7.14%1.005	25.13%0.742
Currency Unit	CNY	CNY	CNY	CNY	CNY	CNY	CNY	CNY	CNY	CNY
Accounting Standards	HKAS	HKAS	HKAS	HKAS	HKAS	HKAS	HKAS	HKAS	HKAS	HKAS
Audit Opinions	Unqualified Opinion	--	Unqualified Opinion	--	Unqualified Opinion	--	Unqualified Opinion	--	Unqualified Opinion	--
Auditor	Ernst & Young Huaming Certified Public Accountants (Special General Partnership), Ernst & Young	--	Ernst & Young Huaming Certified Public Accountants (Special General Partnership), Ernst & Young	--	PwC, PwC Zhongtian Certified Public Accountants (Special General Partnership)	--	PwC, PwC Zhongtian Certified Public Accountants (Special General Partnership)	--	PwC, PwC Zhongtian Certified Public Accountants (Special General Partnership)	--

FY: Financial Year. Refers to the 10-K file disclosed by the listed company to the SEC.

Q: Quarter. Refers to the 10-Q file disclosed by the listed company to the SEC. Q1, Q2, Q3, and Q4 are quarterly reports each with a span of 3 months; Q6 and Q9 are cumulative reports, with Q6 including 6 months and Q9 9 months.

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