Cum esses adulescens, minabaris vinum bibere in toto orbe terrarum. Cum essem senex, Bai Shui amantissimum inveni.
Pulcherrima res in vita est processus, difficillima res exspectat, felicissima res est amor verus, et res desiderabilis valde deest. Vita, sicut ovum in palma, semper est sollicita: omnis sinceritas et tactus est diligenda: bona facillima sunt praeterire.
Experientia cor confractio millia
Pulcherrima res in vita est processus, difficillima res exspectat, felicissima res est amor verus, et res desiderabilis valde deest. Vita, sicut ovum in palma, semper est sollicita: omnis sinceritas et tactus est diligenda: bona facillima sunt praeterire.
Experientia cor confractio millia
【兰博基尼在开发第4款车型？传可能是4座电动GT跑车】▲兰博基尼传出正在开发第4款车型，预测将是2+2电动GT跑车。（图／翻摄自Lamborghini，图为2014 Asterion LPI910-4 Concept概念车）
在兰博基尼（Lamborghini）今年公布的Direzione Cor Tauri品牌计划中，预计在2024年底前完成旗下产品电动化的目标、并增加第4款车型。最近就传出兰博基尼正在开发一款全新电动车，并且还是2+2座的纯电动GT车型。
据外媒《Automotive News》报导，兰博基尼正在开发2+2座GT电动车，这款新车将由兰博基尼与保时捷、奥迪一起合作，很可能搭载全新的SSP（Scalable Systems Platform）平台，并预计在2025年-2027年上市。
▲大众集团未来不论是平价还是超跑品牌，都将统一使用SSP平台。
据了解，SSP平台将作为福斯集团现有MQB、MSB、MLB、MEB与PPE平台的后续底盘平台，其特色就跟名称一样具有「高度可扩展性」，并在2026年开始量产；大众集团也预估未来将有超过4,000万辆新车搭载SSP平台，将可大幅降低电动系统复杂性，并比MEB、PPE平台能减少更多成本、研发支出。
虽然目前对兰博基尼新车的消息不多，不过作为集团中的顶尖超跑品牌，相信这款2+2电动GT跑车也会采用最新电动马达与电池技术，开启电动超跑的新战场。
▲目前对兰博基尼新车的资讯不多，但外界预估电动GT跑车可能在2025-2027年上市。（图／翻摄自Lamborghini，图为2014 Asterion LPI910-4 Concept概念车）
在兰博基尼（Lamborghini）今年公布的Direzione Cor Tauri品牌计划中，预计在2024年底前完成旗下产品电动化的目标、并增加第4款车型。最近就传出兰博基尼正在开发一款全新电动车，并且还是2+2座的纯电动GT车型。
据外媒《Automotive News》报导，兰博基尼正在开发2+2座GT电动车，这款新车将由兰博基尼与保时捷、奥迪一起合作，很可能搭载全新的SSP（Scalable Systems Platform）平台，并预计在2025年-2027年上市。
▲大众集团未来不论是平价还是超跑品牌，都将统一使用SSP平台。
据了解，SSP平台将作为福斯集团现有MQB、MSB、MLB、MEB与PPE平台的后续底盘平台，其特色就跟名称一样具有「高度可扩展性」，并在2026年开始量产；大众集团也预估未来将有超过4,000万辆新车搭载SSP平台，将可大幅降低电动系统复杂性，并比MEB、PPE平台能减少更多成本、研发支出。
虽然目前对兰博基尼新车的消息不多，不过作为集团中的顶尖超跑品牌，相信这款2+2电动GT跑车也会采用最新电动马达与电池技术，开启电动超跑的新战场。
▲目前对兰博基尼新车的资讯不多，但外界预估电动GT跑车可能在2025-2027年上市。（图／翻摄自Lamborghini，图为2014 Asterion LPI910-4 Concept概念车）
我们从上半年的结果中学到了什么？
What we learnt from 1H21 results？
1. Lacklustre NBV outlook due to ongoing agent restructuring and product mix developments, impacting volumes and margins.
2. Life persistency and surrenders also deteriorated; P&C COR under pressure but base effects could improve from 4Q21.
3. Life NBV recovery remains elusive.
① There are limited signs of a strong rebound in life NBV growth as new business volumes are adversely impacted by agent restructuring and new business margins are negatively affected by product mix.
② meanwhile persistency and surrender ratios also deteriorated.
③ There is also greater emphasis on developing pension products as well as health and old-age services.
④ Our forecasts imply 5-20% NBV decline over 2021/2020 due to more stable development over 2H21/2H20 (+2% to -16%) vs 1H21/1H20 (-9% to -25%).
4. P&C trends may be more encouraging.
① Motor P&C growth could recover in 4Q21 given base effects, the motor COR should stabilise (after rising but rebalancing between loss and expense ratios), while growth in non-motor lines should continue.
② Commentary during 1H21 results suggests Henan flood losses are manageable.
What we learnt from 1H21 results？
1. Lacklustre NBV outlook due to ongoing agent restructuring and product mix developments, impacting volumes and margins.
2. Life persistency and surrenders also deteriorated; P&C COR under pressure but base effects could improve from 4Q21.
3. Life NBV recovery remains elusive.
① There are limited signs of a strong rebound in life NBV growth as new business volumes are adversely impacted by agent restructuring and new business margins are negatively affected by product mix.
② meanwhile persistency and surrender ratios also deteriorated.
③ There is also greater emphasis on developing pension products as well as health and old-age services.
④ Our forecasts imply 5-20% NBV decline over 2021/2020 due to more stable development over 2H21/2H20 (+2% to -16%) vs 1H21/1H20 (-9% to -25%).
4. P&C trends may be more encouraging.
① Motor P&C growth could recover in 4Q21 given base effects, the motor COR should stabilise (after rising but rebalancing between loss and expense ratios), while growth in non-motor lines should continue.
② Commentary during 1H21 results suggests Henan flood losses are manageable.
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