Core Viewpoint - The company is actively enhancing public awareness of illegal financial activities and promoting a healthy financial market through a multi-faceted prevention strategy, including online and offline educational initiatives [1][2][10]. Group 1: Prevention Initiatives - The company has launched a comprehensive campaign to educate the public about illegal financial activities, conducting 98 offline events that reached over 3.19 million people [1]. - A series of original micro-films titled "Hidden Truths" was created to reveal illegal fundraising traps and enhance consumer risk awareness, reaching 1.8 million individuals [3]. - The company has implemented a three-dimensional linkage mechanism involving executives, middle management, and grassroots levels to promote financial education [2]. Group 2: Community Engagement - The company organized 164 "zero-distance" customer engagement activities, resulting in 161 business optimization and service enhancement measures [3]. - Various community outreach programs were conducted, including interactive sessions in schools and communities, targeting key demographics such as the elderly and youth [4][5]. - In collaboration with local authorities, the company has reached over 300,000 individuals through community-based educational activities [5][6]. Group 3: Collaborative Efforts - The company has established partnerships with local financial regulatory bodies and law enforcement to strengthen the financial safety net and enhance the impact of educational initiatives [4]. - In multiple cities, the company has engaged in joint activities with local governments to promote awareness of illegal financial practices, reaching over 50,000 people [4]. - The company has utilized innovative formats such as street dance competitions to engage younger audiences in financial safety education, benefiting over 20,000 individuals [5]. Group 4: Systematic Approach to Crime Prevention - The company has developed a "1+N" linkage system to coordinate with local banks and industry peers, resulting in the handling of 460 cases related to organized crime [9]. - A total of 33 cases were formally filed by law enforcement, with 11 administrative actions taken, showcasing the company's commitment to combating financial crime [9]. - The company emphasizes the importance of protecting consumer rights as a foundation for sustainable development in the financial sector [10].

Company Overview - Lufax Holding Ltd is a leading financial services enabler for small business owners in China, offering financing products tailored to their needs [1] - The company has established relationships with 85 financial institutions in China as funding partners, many of which have collaborated with Lufax for over three years [1] Shareholder Meeting Resolutions - The extraordinary general meeting of shareholders held on June 25, 2025, resulted in the approval to remove PricewaterhouseCoopers and PricewaterhouseCoopers Zhong Tian LLP as the auditors of the company [2] - Following the removal, Ernst & Young and Ernst & Young Hua Ming LLP were appointed as the new auditors to fill the vacancies and will hold office until the annual general meeting for the year ending December 31, 2025 [2] - The Board was authorized to fix the remuneration for the newly appointed auditors [2]

5月29日，陆金所控股(LU.US/06623.HK)发布了《建议更换核数师及股东特别大会通告》公告，宣布将 于6月25日召开股东大会表决免任普华永道并委任安永为新审计机构，以解决当前的核心问题。 更值得肯定的是，在本轮审计风波处置过程中，公司并未止步于澄清事实，而是将此次事件视为深化公 司治理的契机，进行了一系列具有长远意义的架构调整。 其中，董事会的改组是核心举措，任命拥有汇丰、交行深厚背景的叶迪奇先生担任独立非执行董事兼董 事长，显著增强了董事会的独立性与专业制衡能力。同时，采取多项措施进一步提升公司治理水平；董 事会层面成立"内控提升委员会"，管理层层面成立"内控提升执行委员会"以实施内部监控及程序提升， 构建起常态化的监督与内控升级机制。 本次股东大会前公告披露，陆金所控股依然对普华永道当初质疑的三笔交易进行了细节披露。而前期调 查结果确认相关操作的核心目的在于履行对零售投资者的保护承诺，虽存在会计处理瑕疵，但未发现管 理层恶意违规或利益输送行为。 可以看到，公司没有回避普华永道的具体关切点，反而详尽阐述，这种开诚布公的态度，及时消除了笼 罩在投资者心头的最大不确定性。 资本市场以股价的连续上扬对此 ...

智通财经APP获悉，5月30日讯，陆控(06623)旗下PAO Bank Limited(下简称"PAObank")，自2025年5月 28日起，正式任命姚文松(Ronald Iu)为行政总裁兼执行董事。 作为香港首间中小企专属的数字银行，PAObank自2020年成立以来，以服务中小企为己任，秉承普惠金 融原则，致力为中小企解决融资难题。PAObank通过科技优势突破金融服务业既有框架，填补香港中小 企金融服务缺口，更透过创新金融科技和大数据应用，为中小企业提供融资便利，促进香港本地中小企 业务发展，树立行业标杆。公开信息显示，2024年PAObank各项经营指标表现亮眼：全年净利息收入按 年显著增加70%至逾1.3亿港元，客户贷款和垫款总额按年增长49%，突破31.3 亿港元。 陆金所控股首席执行官兼执行董事赵容奭表示："姚先生拥有卓越的银行金融业领导经验，对数字化金 融创新具有深刻洞察和丰富实践。陆控相信，姚文松先生将有力推动PAObank战略升级，在巩固中小企 服务优势的同时，加速拓展个人银行服务，持续践行普惠金融承诺，引领PAObank迈上高质量发展新台 阶。" 姚文松先生拥有逾20年银行及金融业经 ...

深交所公告，因恒生综合中型股指数实施成份股调整，根据有关规定， 港股通标的证券名单发生调整 并自2025年05月08日起生效，将 陆控调出港股通标的证券名单。 ...

凭借在数字金融领域的卓越表现，陆金所控股在"影响力·时代峰会"暨第九届"时代金融金桔奖"颁奖典 礼上，荣获"最佳数字金融机构"奖项。这一奖项旨在表彰积极落地科技应用、提升数字化金融服务水 平、以数字化拓展新业务领域以及拥抱数字转型的金融机构。陆金所控股的获奖，不仅是市场对其数字 融资服务能力的认可，更是对其在小微服务质效优化方面的高度评价。 在数字技术与实体经济深度融合的当下，数字金融正以其便捷性、高效性和普惠性，成为推动经济高质 量发展的重要力量。陆金所控股作为小微企业金融服务赋能机构，始终坚守服务实体经济的初心，通过 技术创新与应用，不断探索并构建与数字经济发展相适应的数字融资服务能力，为小微企业的发展注入 强劲动力。 陆金所控股表示，将通过技术创新与应用，不仅为小微企业提供了便捷、高效的融资解决方案，更为小 微企业经营赋能，助力其实现可持续发展。其在数字金融领域的创新实践，为行业树立了标杆，也为中 国经济的高质量发展贡献了重要力量。 数字金融不仅是融资工具的创新，更是小微企业经营赋能的重要手段。陆金所控股围绕金融"五篇大文 章"谋划布局，致力于基本建成数字化经营管理体系，推动数字化服务广泛普及，为数字经 ...

Core Viewpoint - Lufax Holding's recent announcement addresses market concerns regarding its auditor change, showcasing its commitment to investor relations and providing a clearer basis for reassessing the company's value [1] Group 1: Independent Investigation and Management Changes - The independent investigation revealed that past accounting issues were not due to profit transfer but aimed at protecting retail investors, with no malicious intent found among management [2] - The company has made significant governance improvements, including appointing a new independent non-executive chairman and CFO, and establishing a special committee led by independent directors to enhance board independence [2][3] Group 2: Financial Impact and Business Transition - The board estimates that adjustments to the asset side for 2022 will not exceed 0.5%, with a projected net profit reduction of 8-15% for 2023 [3] - The company has initiated recovery procedures from related parties, expecting to recover about 70% of disposal costs, indicating limited financial impact from the related transactions [3] - The transition to a 100% guaranteed business model has been completed, isolating historical transactions from current growth engines, thus maintaining the integrity of future financial data [4][5] Group 3: Operational Performance and Growth Prospects - The company reported a significant increase in new loans, with Q4 2024 reaching 694 billion yuan, a 47.6% year-on-year growth, and Q1 2025 at 573 billion yuan, up 19.1% [6] - The overdue rate for loans has improved, decreasing from 5.2% in Q3 2024 to 4.5% in Q1 2025, while the non-performing loan rate for consumer finance remains stable at 1.2% [7] - The company's revenue rate has increased to 9.7%, indicating a potential acceleration in profitability as it transitions to a fully guaranteed business model [7] Group 4: Market Reaction and Future Outlook - Following the announcement, Lufax's stock rose by 12.6%, reflecting positive market sentiment and a cumulative increase of 27% since the previous announcement [8] - The company's ability to navigate challenges while maintaining strategic focus positions it favorably for future value reassessment, especially as it demonstrates strong governance and operational resilience [9]

Core Viewpoint - The conflict between Lufax Holding (陆控) and PwC centers around the independent investigation results of related party transactions, revealing that while such transactions existed, their purpose differed from PwC's claims. Lufax failed to comply with necessary procedures and accounting standards, leading to significant management changes and a shift in auditing firms [1][2][3]. Related Party Transactions Investigation - An independent investigation commissioned by Lufax confirmed the existence of related party transactions, but the purpose was to compensate retail investors for losses rather than to cover previous losses of related entities. Lufax did not follow the required procedures for these transactions [2][3]. - The investigation revealed that from May 2023 to January 2024, Lufax invested in trust products managed by a non-related trust company, which were directed to purchase assets from related entities [2]. Financial Impact - Lufax acknowledged that the related party transactions constituted a breach of listing rules, affecting the fair value of assets and potentially leading to a 0.5% increase in total assets by the end of 2022, but a decrease of up to 2% by the end of 2023. Net profit is expected to decline by 8% to 15%, equating to a loss of 83 million to 155 million yuan [3][9]. Management Changes - Following the investigation, Lufax's board proposed significant management changes, including the appointment of a new chairman and CFO, to enhance corporate governance and comply with listing rules [5][6]. - The new chairman, Ye Dichi, and CFO, Xi Tongzhuo, both have extensive experience in the financial sector, with previous roles in Ping An Group [6]. Auditing Firm Transition - Lufax's board recommended appointing Ernst & Young as the new auditor to replace PwC, pending approval at a special shareholders' meeting [4]. Internal Control Enhancements - Lufax plans to hire independent consultants to improve its internal control systems and has established temporary committees to oversee these enhancements [7]. Loan Performance - Lufax reported a 31.2% year-on-year decrease in total outstanding loans, amounting to 216.9 billion yuan by the end of 2024. However, new loan issuance showed improvement, particularly in consumer finance, with a 50% increase in new loans [8]. - The overdue loan rates have also improved, with the 30-day overdue rate decreasing from 5.2% to 4.5% over three reporting periods [8]. Financial Performance Overview - Lufax's financial performance has been declining, with total revenue and net profit significantly dropping, including a net loss exceeding 700 million yuan in a single quarter [9].

待股东大会完成审批后，安永进入工作，开始审计2023年至2025年期间的季度、中期及年度财务数据， 这一过程仍将耗费大量时间。由此可见，陆控的财务报告披露将持续推迟，短期内公司股票复盘的可能 性亦极为渺茫。 4月24日，陆金所控股有限公司（证券简称"陆控"，06623.HK）发布了股票复牌进展公告。 图片来源：陆控公告 公告涵盖的信息量巨大，不仅披露了陆控与普华永道之间矛盾的核心关联交易的调查结果，还就关联交 易的发生进行了一系列例如追债安排、董事会及管理层架构优化、提升内部监控及程序等补救及改善措 施，另外，由于解聘普华永道聘任永安为核数师的议案，仍需股东特别大会审议通过，财报披露时间亦 尚未明确。因此公司股票将继续停牌，直至满足复盘条件。最后，公告也披露了公司最新业务运营情 况，整体表现可谓喜忧参半。 陆控与普华永道的恩怨真相大白 2025年1月21日，陆控审计委员会收到普华永道发出的函件，函件指出，普华永道在2024年10月25日与 公司一名时任高管的口头交流中获悉疑似关联交易信息，认为相关事项值得关注，并建议委任独立专家 展开调查。然而，由于审计委员会未及时通报独立调查结论，亦未就涉及的独立性问题作出 ...

陆控此前于1月27日发布建议更换核数师公告，公告提及PwC对某些交易提出关注。对此，陆控审计委 员会已委聘国际领先律所、法证会计师等进行独立调查，主要调查结果事实如下：1）公司作为唯一投 资人投资于若干信托，并通过信托购买若干资产，并非用于补偿关联实体在先前与本公司进行的交易中 蒙受的损失，而是用于赔偿若干零售投资者于投资产品的投资损失，以及向另一关联实体购置若干其他 资产。2）为实现前述交易，公司向第三方银行出售及转让若干高收益资产后转回予相关信托，从而降 低道德风险及目标资产账面值潜在的减值风险。基于上述情况，董事会目前预估，截至22年12月31日 止财政年度，公司合并资产总值预计将增加不超过0.5%，合并净利润预计不会发生实质性变化；截至 23年12月31日止财政年度，公司合并资产总值预计将减少不超过2%，合并净利润预计将减少8%至15% （即人民币0.83亿元至人民币1.55亿元）。另一项PwC函件中所提及的交易与上述任何交易均无关连。 公告同步发布公司多项改善举措，包括进一步优化董事会及管理层架构、追偿安排、委聘独立内控顾问 及设置特别委员会以提升内控等。公司亦将委任继任核数师重新审计本公司截至22 ...