亲爱的安盛天平同事，
再次感谢大家参加11月1日的全员大会，很高兴以线上+线下的方式与大家第一次见面交流。
疫情反复加之在宏观经济、市场环境等层面并存的诸多不确定性，我们在充满挑战的大环境下，依旧取得了不错的成绩。截至九月，在中国会计准则下公司保持正增长，车险、非车险保费都超额达成目标，财务年综合成本也优于去年同期和今年预算。这些成绩离不开每一位全心全意投入工作的同仁，离不开你们对安盛核心价值观和以客户为中心理念的身体力行。
在车险条线，业务节奏把控出色，尽管下半年面临着较大压力，但全年稳住了基本盘，续保率提升，保单成本改善明显；健康险业务超预期达成，这得益于我们“中端医疗险”策略的成功——卓越馨选医疗保险保费过亿，成为公司继车险之后第二支过亿产品。同时我们实现了在经代渠道的快速布局，电销渠道叠加率也同比去年大幅提升；商业险和零售险方面，年同比增长均远超市场平均水平，体现出了强劲的增长势头，实现了高质量增长。
如果我们把公司的发展比喻成一棵大树的成长，车险就是这棵树的根基，非车业务就是这棵树开的枝、散的叶，结出的果实就是规模、利润和客户满意。这棵树的生长过程也必须合乎市场规律、监管规定。公司总部和机构的管理团队，乃至每一位员工就是水和阳光，只有上下一心、团结合作，才能让安盛天平这棵大树产生光合作用，进而茁壮成长。
现在是年底的关键时期，请大家继续鼓足干劲，全力达成2022年的各项业绩目标；展望2023，希望大家能够在业务发展、效率提升、监管合规以及组织文化建设上不断进步，推动公司实现高质量增长。
Dear AXA colleagues.
Thank you for attending our town hall on 1 November. It was a pleasure to meet all of you online or offline for the first time.
The past few months have not been easy with the ongoing pandemic and uncertainties around the macroeconomy and market environment. Despite these, we continued to deliver good results in a challenging environment. As of September, the company maintained positive growth under Chinese Accounting Standards. We exceeded our targets for both auto and non-auto insurance premiums, and we outperformed both the same period last year and this year’s budget in terms of consolidated costs for the financial year. These results could not have been achieved without the dedication of each and every one of you, and your commitment to AXA’s core values and customer-centric philosophy.
For our auto business line, we continue to operate with discipline. Despite challenges in the second half, we were able to keep our business stable throughout the year, with an increase in renewal rates and significant improvements in policy costs. Our health business line exceeded expectations as a result of the success of our “mid-end medical insurance” strategy – the Comprehensive IPOP Medical Insurance surpassed 100 million in premiums, becoming our second product to surpass 100 million after auto insurance. At the same time, we have made significant progress in developing our distribution channels, coupled with strong growth from the telemarketing channel compared to last year. The year-over-year growth of our commercial and lifestyle business lines was well above the market average, demonstrating solid growth momentum driven by high-quality products and services.
If we compare the company’s development to the growth of a tree, the auto business is the tree’s root, and the non-auto business is the branches and leaves of the tree. We bear fruits of scale, profit and customer satisfaction. The growth of the tree must also be in line with market rules and regulatory requirements. The management team at the HQ and branches, as well as each and every employee, are the water and the sunshine. AXA Tianping – the tree – can only grow and be successful with us all united and working together towards the same goal.
Every minute count as we approach the end of the year. I count on your commitment and excellent work to achieve our performance goals in 2022. Looking forward to 2023, I hope you can continue to make progress in business development, efficiency improvement, regulatory compliance and company culture, ultimately supporting the company to achieve high-quality growth.
安盛天平首席执行官 左伟豪
CEO of AXA Tianping Kevin Chor