亲爱的安盛天平同事：
2023年是我带领大家经历的第一个完整财年，是疫情后的第一年，是宏观环境充满挑战的一年，也是安盛天平经历关键变革的一年。在市场竞争压力加剧的同时，公司始终坚守“利润导向”的价值观，推行了一系列大胆的改革，做出了一些必要但痛苦的止血动作。在有限的资源下，我们凭借上下一心和艰苦奋斗，交出一份不错的成绩单，我们每个人都该为此而骄傲！
在刚刚结束的机构年终会上，与会同仁一起回顾了2023年的经营成绩，峥嵘岁月，感慨自豪。2023年，全公司保费收入63.5亿，保费同比增速8%，全年亏损额同比减少60%，这是公司独资以来减亏幅度最大的一年。共有11家机构全年实现直通车盈利，其中山东、宁波和四川排名前三。与2022年相比，共有19家机构的盈利水平得到改善。公司偿付能力充足率239%，比2022年上升了37个百分点。在消费者权益保护方面，全司消保监管评价得分80.9分，评价结果为二级B，较去年三级A有显著提升。2023年，公司响应政府和监管的号召，成为首批在上海临港成立再保险运营中心的险企，并完成平台首单签约，以实际行动支持国家战略。在2024年中法建交60周年前夕，我们借助集团力量，通过与头部国有险企达成战略合作，成功落实上亿元的合约业务，开辟了新的业务路径。
展望2024，对公司来说这将是扭亏为盈的关键一年。市场的不确定性将更加考验我们的战略定力——长期经营，提升能力，聚焦利润，坚持有品质增长，探索属于安盛天平的独特发展道路。总公司把控整体策略方向，机构端寻找当地市场的突破口，深入调研市场，找到优质板块集中资源发展。同时监管环境也愈加严格，各家机构守土有责，绝对不能在管理方面放松对合规和消保的要求。
送玉兔，迎金龙，奋楫浪，上云霄！春节来临之际我携同管理层给各位及您的家人拜一个早年，期待与大家乘风破浪，龙腾四海！
（供中国大陆区以外同事观看,For AXA colleagues outside mainland China)
Dear colleagues at AXA Tianping:
The year 2023 was the first complete fiscal year we have been through together with me as your CEO. It is the first year after the pandemic came to an end, a year of many challenges in the macroeconomic environment, and a year of critical transformations for AXA Tianping. As competition pressure mounts in the industry, our company has consistently implemented a “profit-oriented” value system, based on which a series of bold reforms were carried out. We made some necessary, albeit painful, decisions to cut down on our losses. Despite the limited resources we had to work with, our solidarity, tenacity, and hard work helped us deliver commendable results. We should all be very proud of our achievements!
At the recent annual corporate meeting, we reviewed our milestones and successes of 2023, taking great pride in how we responded in times of great trial and adversity. In 2023, our company received a premium income of 6.35 billion, which increased by 8% year-over-year; the annual loss was reduced by 60% compared to 2022, marking the most extensive loss reduction since AXA Tianping became a wholly-owned subsidiary. Eleven branches achieved direct profitability for the entire 2023, with Shandong, Ningbo, and Sichuan branches ranking in the top three. Nineteen branches see improvement in their profitability status compared with 2022. The company’s solvency ratio was 239%, up 37 percentage points from 2022. AXA Tianping scored 80.9 on the consumer protection risk assessment and a Level 2B rating, making significant progress since last year’s rating of Level 3A. We also responded to calls from the government and regulatory bodies to become one of the first insurance companies to establish a reinsurance center in Shanghai Lin-gang, and completed the first-ever contract signed on the platform. With proactive, concrete actions, we are resolute in support of national policies and strategies. On the eve of the 60th anniversary of China and France establishing diplomatic relations in 2024, we leveraged our resources to reach strategic collaboration agreements with top-tier state-owned insurance companies, which landed us contracts worth hundreds of millions and opened new doors in business and operation.
Now, we stand on the doorstep of 2024, and this will be a crucial year for us as we turn losses into profits. Market uncertainties will test our focus and strategy more than ever. We need to stay resolutely on track of long-term development to enhance our capabilities. With an eye always on profit, we commit to quality growth for the company in exploring a development path unique to AXA Tianping. As the headquarters steer the ship, overseeing our general strategic direction, our local branches seek to find openings and breakthroughs in the regional market by conducting in-depth research and focusing resources on sectors with excellent opportunities. Meanwhile, the regulatory environment is becoming more uncompromising, and all branches are responsible for managing their operations to ensure strict compliance and safeguard consumer rights.
As we bid farewell to the Year of Rabbit and welcome the Year of Dragon, we look forward to 2024 with wonderful expectations for a future of soaring success and favoring wind! Along with our management team, I wish you and your family a joyful, prosperous, Happy New Year! I am confident that together, we will continue to achieve greater heights.
安盛天平首席执行官 左伟豪
CEO of AXA Tianping Kevin Chor