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　　寿险NBV及合同服务边际（CSM）余额快速增长，新业务产品结构优化　　1H25阳光人寿NBV可比口径下同比+47.3%至40.1亿元，其中个险/银保分别同比+23.5%/+53%；今年实际披露NBV比去年实际披露同比+7.0%，调整后/调整前仍实现增长，好于该行预期；寿险CSM余额560.8亿元，较上年末增长10.3%。分渠道看，个险渠道“浮动收益型+保障型产品”占比超50%；银保渠道“浮动收

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