金吾财讯 | 内险股逆市上行，新华保险(01336)涨5.67%，中国人寿(02628)涨4.34%，中国平安(02318)涨2.54%。国家金融监管总局公布数据显示，去年全年商业银行累计实现净利润2.3万亿元(人民币)。去年第四季商业银行平均资本利润率为8.1%，平均资产利润率为0.63%。2024年四季度末，内地商业银行贷款损失准备余额为6.9万亿元，较上季末减少1,486亿元；拨备覆盖率为211.19%，较上季末上升1.71个百分点；贷款拨备率为3.18%，较上季末下降0.09个百分点。华创证券发布研报称，险资2024年业绩整体均显著受益于924行情启动后权益市场回暖，但同时亦为2025年业绩带来基数压力，季度间增速波动或较为明显，但若增配FVOCI类资产有望部分减缓波动。展望2025年，资金配置上，从资负匹配的角度考虑，分红险销售有望构成权益配置提升的根本因素。当前保险板块核心担忧依旧在于潜在“利差损”危机，长端利率走势仍是估值中枢的重要影响因素之一；新准则下，季度业绩波动是短期主要看点。
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.