众安集团2022 中期报告

目录 Contents 页次 Pages CorporateInformation公司资料2 Chairman’sStatement主席报告4 ManagementDiscussionandAnalysis管理层讨论与分析11 IndependentReviewReport独立审阅报告26 InterimCondensedConsolidatedStatementofProfitorLoss中期简明综合损益表28 InterimCondensedConsolidatedStatementofComprehensiveIncome中期简明综合全面收益表29 InterimCondensedConsolidatedStatementofFinancialPosition中期简明综合财务状况表30 InterimCondensedConsolidatedStatementofChangesinEquity中期简明综合权益变动表32 InterimCondensedConsolidatedStatementofCashFlows中期简明综合现金流量表33 NotestoInterimCondensedConsolidatedFinancialInformation中期简明综合财务资料附注36 OtherInformation其他资料70 PropertiesHeldforDevelopmentand/orSale持作发展及╱或销售的物业78 SummaryofFinancialInformation财务资料概要96 众安集团有限公司二零二二年中期报告1 公司资料 CorporateInformation BOARDOFDIRECTORS ExecutiveDirectors MrShiZhongan(Chairman) MrZhangJiangang(ChiefExecutiveOfficer) MsShenTiaojuanMsJinNi MsShiJinfan IndependentNon-executiveDirectors ProfessorPeiKerWeiMrZhangHuaqiao MrFungCheWaiAnthony COMPANYSECRETARY MrPangHeungFai REGISTEREDOFFICE CricketSquareHutchinsDrive P.O.Box2681 GrandCaymanKY1-1111CaymanIslands HEADOFFICEINTHEPRC No.996,XiaoshaoRoadXiaoshanDistrictHangzhou ZhejiangProvincethePRC PRINCIPALPLACEOFBUSINESSINHONGKONG Room4009,40/F ChinaResourcesBuilding26HarbourRoadWanchai HongKong COMPANY’SWEBSITE www.zhongangrouphk.com PRINCIPALSHAREREGISTRARANDTRANSFEROFFICE Suntera(Cayman)LimitedSuite3204,Unit2A,Block3,BuildingD, P.O.Box1586, GardeniaCount,CamanaBay,GrandCaymanKY1-1110CaymanIslands 董执行事董会事 金妮女士 沈条娟女士 施张中坚安钢先生（（主首席席）执行官） 施金帆女士 独贝立克非伟执教行授董事 张冯化志桥伟先生 注册办事处 公彭向司辉秘先书生 CricketSquareHutchinsDrive P.O.Box2681 GrandCaymanKY1-1111CaymanIslands 中中国国总办事处 浙杭江州省 萧绍区路996号 香香港港主要营业地点 华润大厦 湾港仔湾道26号 公司网址 40楼4009室 www.zhongangrouphk.com 主要股份过户登记处 Suntera(Cayman)LimitedSuite3204,Unit2A,Block3,BuildingD, P.O.Box1586, GardeniaCount,CamanaBay,GrandCaymanKY1-1110CaymanIslands 2ZhongAnGroupLimited2022lnterimReport 公司资料（续） CorporateInformation(Continued) HONGKONGBRANCHSHAREREGISTRARANDTRANSFEROFFICE TricorInvestorServicesLimited17/F,FarEastFinanceCentre16HarcourtRoad HongKong PRINCIPALBANKERS AgriculturalBankofChina IndustrialandCommercialBankofChinaPingAnBank BankofCommunicationsChinaZheshangBank AUDITORS Ernst&Young CertifiedPublicAccountantsRegisteredPublicInterestEntityAuditor27/F,OneTaikooPlace 979King’sRoad QuarryBayHongKong INVESTORRELATIONS CapitalMarketsDepartment Email: ir@zafc.com Telephone: (852)28776991 Facsimile: (852)28776990 香港股份过户登记分处 17楼 卓香佳港证券登记有限公司夏远悫东道金1融6中号心 主中国要农往业来银行银行 中平国安工银商行银行交浙通商银行 核安永数会师计师事务所 执注业册会公计众师利益实体核数师香鲗港鱼涌 27楼 英太皇古道坊9一7座9号 电电邮：话： 资本市场部 投资者关系 传真： ir@zafc.com(852)28776991 (852)28776990 众安集团有限公司二零二二年中期报告3 主席报告 Chairman’sStatement 主席施中安 ShiZhongan,Chairman DearShareholders, OnbehalfofZhongAnGroupLimited(“ZhongAn”orthe“Company”)anditssubsidiaries(togetherthe“Group”),IampleasedtopresenttheresultsoftheGroupforthesixmonthsperiodended30June2022(“Periodunderreview”). REVIEWOFRESULTS DuringthePeriodunderreview,theGroup’srevenuewasRMB5,077.6million,representinganincreaseofapproximately156.2%ascomparedwiththatofthecorrespondingperiodof2021;thegrossprofitwasapproximatelyRMB1,726.1million,representinganincreaseofapproximately174.7%ascomparedwiththatofthecorrespondingperiodof2021;theunauditedprofitwasRMB70.2million,representinganincreaseofapproximately106.5%ascomparedwiththatofthecorrespondingperiodof2021;theunauditedearningspersharewasRMB2.44cents(earningspershareforthecorrespondingperiodof2021:RMB0.22cents). TheboardoftheCompany(the“Board”)doesnotrecommendthepaymentofanyinterimdividendforthePeriodunderreview(2021:nil). 致各位股东： 本公人司”谨）代连表同众其安附集属团公有司（限统公称司“（“本众集安团”或）“，欣本然期间提（呈“回本顾集期团”截）之至业20绩22。年6月30日止六个月 业绩回顾 5,077.6百万元，较2021年同期增长约 于回顾期内，本集团的营业额为人民币 约70.2百万元，较2021年同期增长 2021年同期增长约174.7%。未经审核的利 润为人民币 156.2%；毛利约为人民币1,726.1百万元，较 2021年同期每股盈利：人民币0.22分）。 分（106.5%；每股未经审核盈利为人民币2.44 本任公何司中董期事利会息（“2董02事1年会：”）无不）建。议派发回顾期 4ZhongAnGroupLimited2022lnterimReport 主席报告（续） Chairman’sStatement(Continued) MARKETANDBUSINESSREVIEW Inthefirsthalfof2022,theinternationalsituationwassevereandcomplex.TheupsanddownsoftheepidemicinsomeregionsofChinahadacertainprovisionalimpactonthenormaleconomicoperationinsomeareas.Therealestatemarketstillfacesthedownwardpressure,andtheindustrialadjustmentisstillgoingon.Thecentralgovernmentsubsequentlylaunchedaseriesofpolicymeasurestostabilizetheeconomy,whicheffectivelyalleviatedthedownwardpressureonthemarketandsupportedtherecoveryoftheindustry.Localgovernmentsgraduallyrelaxedpropertymarketpoliciesbasedoncity-specificconditionstoreleasedemandofhomebuyers.Underthemaintonethat“housingisforaccommodation,notforspeculation”,therealestateindustrywillusherinanewmodelandnewstageofavirtuouscycleandhealthydevelopment. Underthecircumstancethattheinternalandexternalenvironmentoftheindustryhasundergonequalitativeandquantitativechanges,theGrouphasadheredtothebusinessphilosophyof“steadyoperation,profoundaccumulation”,andactivelyexploredstrategictransformation,productupgrading,reformandinnovation.TheGroupfaceduptochallengesinplightandfullydemonstratedtheZhongAnspiritof“daretosa