众安在线2023年中期报告

2 28 32 41 106 109 110 20231117417 2023 2023144.6337.5%55.0152023 (Fortune)2023500 2023295.8%96.5%0.7357.1%57.7%0.6438.7%38.8%0.12.6722.0% + ZA Bank2023630701.5213.0%560 ZA Bank2020315ZA LifeZA BankZA Bank APPZA 202320232.216.368.58 202320226306 20232.216.368.58 202395.8%96.5%0.7120237.231.1020237.59 20232.6722.0%35.5% ZA Bank2023ZA Bank1.5213.0%1.87%ZA Bank0.5760 ZA Life2.0792.5%ZA Life 202320226306 202320226306(i)(ii)(iii)(iv)(v) e2023VIPe 20232023-2025 ++ 1.0052.8%523.5 ++ 1701002050807.77267.6% e22e20231481033015e34.6951.5%e20236304.3 10 20231,24150.1815.9%1,02622.5%4898.5% 20237.1613.1%742.113.4%202330.9835.8%29.5845.9% 202338.0%17.1AIGC54.5%13.42023163.1%187.4% 202323.8463.9%OTA14.42118.1% OTA 20265,3761,3562021-202620.0% 20232.00100%623804011 20232.7431.5% 202358.3652.8%12.9647.9%68.4%3.631.4%3.6 10,000 AI 202312023112024123150%50% SaaSAPI (GDP)5.5%202327.8752.0%2023630264.77 30-4010 20239.8%8.2254.3%5.5% 202023228.7%2.159.1%2.838.2% 202360.8%202211.6202329.9%202211.3 AI2023APP42.0%1 2023302,500 202354%1.5202390.6%44.2530.6%8.624.8%61871252.7% IP2,000MVZMV1Top Digital 20236.996.5%4.8%20236301,79547.5%2023630609174PCT361122651.7%2911.5% RTA (RealTime API)APP30 2.0202355.0143.1%599%96%995%AI100%10 AIGC100%50%AI80%AI 20235AIGCAIGC/ChatGPTAIGC30AIGC 2023352.6722.0%2023630750 202372023(WAIC 2023)AIGCAI+80AIGC 1 + X-ManX-MagnetX-Connect 20232025 14+APPAPPAPPX-ManAPP 20231.5035.5%50 2 4MateMate2.0Mate AI3-410 MateMate AI 202112(IFRS 17)3050260 AIGCAIGCAIAI AIGC1MaaS (Model as a Service)2AIGCAIGCAIGC 3 DevCube(2023) ZA Tech ZA Tech2018ZA Tech 620238 ZA Tech(CDP)AlZA TechGrapheneGraphene30-50%ITSaaSNanoFusionC ZA TechSaaSGrabCarroOVO Klook 20237GrapheneGrapheneTo C/To AZA TechZA Tech 20233ZA TechHomeCreditFusionHome CreditIncomeSaaSNano ZA Tech 2023ZA Tech1.18 20235ZA TechGrapheneGrapheneZA Tech 202210Web3ZA BankWeb3Web34Banking forWeb3Web3ZA BankWeb3HashKeyExchange(settlement bank)ZA Bank ZA Bank2019327202032420211ZA Bank202211 ZA Bank2023630ZA Bank701810%15VISA2ZA BankZA Bank2022820236305.37 2023630ZA Bank107.1249.1645.9%ZA Bank1.87%ZA Bank1.5225.8%ZA Bank12022191.6%60131.8% ZA Life242022ZA LifeZA BankZA BankAPPZAZA Life2.05 ZA Bank202341(e-onboarding)ZA Bank62 ZA Bank24 2023630362.312.3%73.3%56.6%8.4%16.1% ZA Bank ZA Bank2023630ZA Bank66.121.6%64.3%34.1% 2023203000.72%1.107.231.4620222.745.732022-1.654.0%20220.6%2.2%20222.2% ZA Life 2023630ZA Life10.3297.6%2.4% 2023630AA99.4%AAA78.2% 202320236306142.3128.3% 202320226306 (1)20232022630202320226306 (1)(2)(3)(4)(3)(4) (1) (2)202220221231 (3) (4) (2) 1. 20226306102.3923.9%20236306126.82 (1) 4. 2. 202263060.75202363060.46202263060.04202363060.06 2022630698.1623.2%20236306120.95 3. 2022630618.9295.4%202363060.87 20236306(i)(ii)(iii) 1. (1) 202212312023630400.26410.9384.0%83.4%202363089.0% 2. 2022123135.26202363027.92 3. 20221231187.302023630213.58202363098.1%AA()BBB-() 4. 2022123114.28202363014.592022123131.13202363020.30 5. 2023202263062.307.32 6. 202363066.823.54 7. 20226306110.8928.3%20236306142.31 8. ZA Tech202263062.19202363062.6722.0% 202363061.05202263067.75 9. ZA Bank202363061.5213.0% 25%2023202263060.790.89 10. 202363060.26202263066.85 2023630613.76135.5367.4554.32 202363066.192022630611.89 2023630612.57i9.09ii2.20 20207162020982020101220252026()1,000,000202363049,900950,100 20211220236301.001.00 2023630 (II) 1(%)2(%) (1)(2) 11. 2023630620236305% 12. 20236306 13. 2023630 14. 19. 2023531Warrior Treasure LimitedWarriorAIAVCCfor a/c of AIA Opportunities Fund VentureCapital 2021Opportunities Fund0.6696,508,924 2023630 15. 202363063.8%2022123163.0%0.8 20237142023725 16. 202381444.6319.644.667,556,247WarriorOpportunities Fund43.65%46.04%7.68%2.63% 17. 2023630 38 18. 2023630 2023630XVXV78352 (1)202363050,000,0001,419,812,900H (2)1168Asia Pacific Promotion Limited51.54%Asia Pacific Promotion Limited 2023630XV(a)XV(b)352(c) 2023630XV23336 (1)XV(2)202363050,000,0001,419,812,900H(3)2318601318 (4)(5)070054.29%(6)25.00%16.88%13.12%(7)AsiaPacific Promotion Limited51.34%Asia Pacific Promotion Limited(8)80.00% 3362023630 20236303,778 2023630612.37 20236306 ZA Tech17.14202311 13.51B(1) ZA TechZA TechZA Tech (a)2023724 (b)2023725 (a)(b)(c)(d) (c)2023724 (d)2023725 (e) (a)(b)(c)(d) 13.51B(1) 20201229ZA Tech(10)20301228 ZA TechZA TechZA Tech(a) ZA Tech(b) ZA Tech(c)ZA Tech ZA Tech210,000,000100,000,0003,000,000 12ZA TechZA Tech(1%) ZA TechZA Tech(i)(ii)(iii) ZA TechZA Tech ZA TechZATechZA Tech ZA Tech(10%) ZA Tech ZA Tech20301228 (i) 0.1% (ii) (i)(ii) (iii) ZA Tech (i)ZA Tech(ii) ZA Tech 20236306 ZA TechZA Tech 20209152021624ZA Tech(10)20309142031623ZA Tech17.14202311 ZA Tech(10%) ZATech210,000,0003,000,000 ZA TechZA TechZA Tech ZA Tech(i)ZA Tech(ii)(iii)ZATech 50%ZATechZA TechZA TechZA Tech (a)(b)(c)(d) ZA Tech ZATech20309142031623 ZA TechZATechZA Tech(a)