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美國銀行表示，受定價和成本壓力影響，美國保險公司第一季巨災損失預計較輕。

-- 美國銀行證券週二發布的一份報告指出，預計美國保險公司第一季巨災損失將相對較輕，但價格走勢疲軟和成本上升可能會對獲利造成壓力。 報告預測，巨災損失預計將低於歷史平均水平，這可能為大型保險公司提供短期支撐。但報告也指出，財產和意外保險費率漲幅放緩以及持續的理賠通膨可能會對承保利潤率構成壓力。 該券商也指出，隨著保險公司加大對技術、數據基礎設施和人工智慧專案的投入，成本壓力也在上升。美國銀行表示，這些投資有助於提升長期競爭力，但短期收益有限，並可能加劇即將公佈的業績中的利潤率壓力。 該券商預計，美國保險公司第一季的前景喜憂參半。巨災損失的利多因素可能會被價格成長放緩所抵銷。報告補充道，持續的宏觀經濟壓力和不斷上升的成本基礎也可能對整個產業構成壓力。 美國銀行也更新了部分保險公司的目標股價，將 AIG (AIG) 的目標股價下調至 79 美元，同時維持中性評級；將 Progressive (PGR) 的目標股價上調至 298 美元，並維持買入評級；將 Chubb (CB) 的目標股價下調至 271 美元，同時維持於大盤評級。

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