1月27日，陆控发布复牌进度季度更新公告，公告补充调查结果，并提供安永进行22年、23年、24年财 报审计。纽交所(NYSE)已批准其过往财报发布延期需求。公司正在编制尚待刊发的财务业绩，同时， 公司已委任德勤为其独立内部监控顾问，就内部监控政策及程序进行审查，并提供相应整改建议，公司 正作出回应并持续根据独立内部监控顾问的建议采取相应整改措施。 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 Lufax Holding Ltd 陸金所控股有限公司 （於開曼群島註冊成立的有限公司） (a) 補充調查的主要結果；及 (b) 內部監控審查的進展； (2) 2025年第四季度經營情況摘要； 及 (3) 繼續暫停買賣 本公告乃由陸金所控股有限公司（「本公司」，連同其子公司及其他併表實體統稱 為「本集團」）根據《香港聯合交易所有限公司證券上市規則》（「上市規則」）第13.09 條、第13.24條及第13.24A條及《證券及期貨條例》（香港法例第571章）第XIVA部 項下的內幕消息條文（定義見上市規則）作出。 （股份代號：6623） （紐交所股票代碼：LU） (1) 有關復牌進度的季度更新： I. 有關復牌進度的季度更新概要 茲提述本公司日期為2025年1月27日、2025年1月28日、2025年3月3日、 2025年3月28日、2025年4月23日、2025年5月9日、2025年5月13日、2025 ...

Core Viewpoint - The report emphasizes the importance of consumer rights protection in the financial sector, highlighting the integration of technology, systems, and services to create a comprehensive consumer rights protection framework [1][2]. Group 1: Consumer Rights Protection Framework - The company has fully integrated consumer rights protection into its governance, achieving comprehensive coverage of business process reviews and consumer protection education through both online and offline channels [1][2]. - In 2025, the company completed 2,976 reviews of various terms and processes, achieving a 100% coverage rate [2]. Group 2: Technological Empowerment - The company launched the "Smart Customer Due Diligence Solution" called "Zhidun," which utilizes AI and machine learning to enhance the efficiency and accuracy of credit due diligence processes, serving over 630,000 customers and saving more than 9 million minutes in application time [2][3]. - The "Smart Service 3.0" project improved customer service resolution rates by 2% and reduced the need for human intervention by 14%, increasing customer satisfaction from 80% to 85% [3]. Group 3: Information Security and Risk Management - The company has implemented AI facial recognition technology in its digital bank, successfully intercepting over 1,000 suspected identity fraud cases, thereby enhancing consumer information and asset security [3][4]. - The company achieved an upgrade in its ESG rating from A to AA by MSCI, indicating its leadership in consumer rights protection and data security [4]. Group 4: Fraud Prevention Initiatives - The company established a standardized process for combating financial fraud, reporting 4,465 cases of online black market activities and successfully addressing 3,868 of them [5][6]. - A comprehensive fraud prevention system was developed, which includes early warning, intervention, and post-event collaboration, successfully preventing a customer from falling victim to a fraudulent loan scheme [6]. Group 5: Consumer Education and Engagement - The company conducted 1,191 offline educational events, reaching over 40 million financial consumers, and initiated a "Financial Literacy Empowerment Program" to enhance consumer awareness of fraud [6][7]. - Targeted consumer education efforts were made for key demographics, including the elderly and new citizens, to address specific financial literacy needs [7][8]. Group 6: Commitment to Consumer-Centric Services - The company emphasizes a consumer-centric approach by providing 24/7 support through multiple communication channels and organizing face-to-face communication events to gather customer feedback [8]. - Future plans include continuing to integrate consumer rights protection into the company's development strategy, ensuring that financial services remain respectful and protective of consumer rights [8].

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年12月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 陆金所控股有限公司 呈交日期: 2026年1月6日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | | 於香港聯交所上市 (註1) | | 是 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 06623 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 10,000,000,000 | USD | | 0.00001 | USD | | 100,000 | | 增加 / 減少 (-) | | | | | | | USD | | | | 本月底結存 | | | 10,000,000,000 | USD | | 0.00001 | USD | | 100,000 | 本月底法定/註冊 ...

Core Viewpoint - Shanghai Lufax Information Technology Co., Ltd. (Lufax) has been awarded the "Golden Horse Outstanding Institution for Serving the Real Economy" for its contributions to empowering small and micro enterprises through innovative financial services [2] Group 1: Financial Services Innovation - Lufax has upgraded its financing service brand to "Ping An Rongyi," focusing on the needs of small business owners and individual operators, utilizing a "technology + finance" dual-drive model to stimulate the real economy [2] - The company has implemented a "people + enterprise" risk control concept to create a comprehensive financing lifecycle management solution for small and micro enterprises, enhancing credit asset utilization and aligning financial services with industrial transformation [2] Group 2: Inclusive Finance and Digital Financial Services - Lufax has adopted a "three savings" service philosophy (saving worry, time, and money) and is driving its services through a dual-engine model of "micro financing + consumer finance," significantly improving accessibility and convenience of financial services [3] - By the end of Q3 2025, 13.68 million customers have received timely financing services from Ping An Rongyi [3] - The company is advancing its "AI in All" strategy, leveraging AI and big data to create a diverse intelligent service matrix, resulting in a 2.5 times increase in per capita productivity and a 75% improvement in review efficiency [3] Group 3: Green Development and Social Responsibility - Lufax is committed to the national "dual carbon" goals and has launched a "green finance +" action plan to support the development of green industries, including special financing solutions for electric vehicles [4] - The company has partnered with the China Women's Development Foundation to promote the "@Her Entrepreneurship Program," assisting over 2,500 rural women in developing unique industries, thereby activating rural economic vitality [4] - Lufax plans to continue focusing on key areas such as rural revitalization, green development, and technological innovation, aiming to contribute to high-quality financial development and the construction of a financially strong nation [4]

Core Insights - The company,陆控, has been recognized as the "Outstanding Digital Financial Institution of the Year" at the "2025 Financial Annual Conference" for its innovative practices in digital finance [1] - The company continues to implement its "AI in ALL" strategy, integrating digital finance, technology finance, and green finance into its inclusive finance operations [1] Group 1: Digital Technology and Innovation - The company leverages technologies such as artificial intelligence, cloud computing, blockchain, and big data to enhance its digital services, focusing on financing guarantees for local key industries and small micro-economies [2] - The recently launched "Yunfan" solution is the first AI-driven remote financing service in the non-bank credit sector, achieving a 158% increase in productivity through the use of AI coaches for customer service representatives [2] - The "Zhihun" project utilizes large model technology and machine learning to automate due diligence processes, reducing processing time by 90% and achieving a 93% accuracy rate in application dimensions [3] Group 2: Financial Services and Support - The "Prism" project aims to support local key industries by analyzing their financing needs and usage patterns, providing a comprehensive financial service ecosystem that addresses various financing challenges [3] - The "Smart Customer Service 3.0" initiative has improved customer service efficiency, increasing resolution rates by 2% and reducing the need for human intervention by 14%, while customer satisfaction rose from 80% to 85% [4] - The "Che e Loan" green financing program offers exclusive benefits for small micro-enterprises, facilitating access to lower financing rates for new energy vehicle owners, with over 4.22 billion yuan in loans disbursed by September 2025 [4] Group 3: Community Engagement and Support - The company emphasizes grassroots engagement by establishing a professional team that actively serves local small micro-economies, providing tailored financing solutions and support [5] - A case study highlights how the company assisted a cattle farmer in Shandong by providing 500,000 yuan in financing, resulting in a 50% increase in production capacity and a nearly 30% rise in income [6] - The company has partnered with the China Women's Development Foundation to support female entrepreneurship, distributing 43.1 million yuan in micro-loans to over 2,500 women, thereby promoting local employment and industry development [7]

Core Viewpoint - The company, LuKong, has been awarded the "2024 Annual Excellence in Service to the Real Economy Award" for its contributions to empowering small and micro enterprises through innovative financial services and technology [1][4]. Group 1: Financial Services and Innovation - LuKong is recognized as a leading financial service provider for small and micro enterprises in China, focusing on enhancing the accessibility and effectiveness of financial services [1]. - The company has upgraded its financing service brand to "Ping An Rong Yi," targeting the needs of small business owners and individual entrepreneurs, utilizing a "technology + finance" dual approach to stimulate the real economy [1]. - By implementing an O2O model combining online processes with offline consulting, LuKong has significantly improved the accessibility and convenience of its financial services, with 13.68 million customers benefiting from timely financing services by Q3 2025 [2]. Group 2: Digital Finance and Efficiency - LuKong is advancing its "AI in All" strategy, leveraging artificial intelligence and big data to create a diverse intelligent service matrix, enhancing operational efficiency [2]. - The company has achieved a 2.5 times increase in per capita productivity through its remote financing service platform "Yun Fan," and improved customer due diligence efficiency by 75% using the "Zhi Dun" system [2]. - The implementation of the Aegis project has led to a comprehensive intelligent risk approval system, covering 157,000 applications within five months, enhancing both efficiency and risk control [2]. Group 3: Green Development and Social Responsibility - LuKong is committed to the national "dual carbon" goals, promoting green finance initiatives such as special financing plans for electric vehicles and participating in national park conservation projects [3]. - The company has supported over 2,500 rural women through the "@Her Entrepreneurship Program," integrating finance, public welfare, and industry to invigorate rural economies [3]. - LuKong's recognition as a leading institution in service to the real economy reflects its effective service outcomes and innovative "technology + finance" model, contributing to high-quality economic development [3].

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 Lufax Holding Ltd 陸金所控股有限公司 （於開曼群島註冊成立的有限公司） 1 | | 普通決議案 | | 投票票數及百分比(%) | | --- | --- | --- | --- | | | | 贊成 | 反對 | | 2. | 謹此批准、追認及確認2026年金融服 | 269,388,205 | 74,951 | | | 務框架協議、其項下擬進行的交易及 | (99.97%) | (0.03%) | | | 截至2026年12月31日止年度的建議年 | | | | | 度上限（更多詳情載於通函）；及謹此 | | | | | 授權任何一名執行董事代表本公司簽 | | | | | 立（及倘有需要，加蓋本公司印章）任 | | | | | 何文件、文據或協議，及作出其認為必 | | | | | 要、權宜或適當的任何行動及事宜， | | | | | 以落實及執行2026年金融服務框架協 | | ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 Lufax Holding Ltd 本公告乃由陸金所控股有限公司（「本公司」，連同其子公司及併表附屬實體統稱 為「本集團」）根據《香港聯合交易所有限公司證券上市規則》（「上市規則」）第13.09 條及《證券及期貨條例》（香港法例第571章）第XIVA部項下的內幕消息條文（定義 見上市規則）作出。 作為背景資料，本集團此前曾通過多種渠道為本公司及其境外子公司的財務需求 提供資金，包括境外融資、跨境資金借貸及2024年境內子公司作出的一次性股息 分派。由於(i)本公司截至2024年12月31日止年度及截至2025年6月30日止六個月 的財務業績刊發延誤對本公司境外融資能力造成影響，(ii)本公司及其境外子公 司持續的資金需求及(iii)有關縮減跨境資金借貸規模的要求，本公司相應調整其 資金計劃。因此，本公司境內子公司預期將就其歷史留存收益向本公司境外子公 司作出重大股息分派，以滿足本公司及其境外子公司的資金 ...

Core Insights - Lukoil has been recognized as the "Annual Leading Enterprise Supporting Local Economic Development" in a case collection by Economic Observer, highlighting its commitment to enhancing local economies through innovative financial services [1] - The company leverages cutting-edge technologies like AI to implement an "AI+O2O" model, providing efficient financing guarantee services to remote areas and supporting local key industries and hidden champion enterprises [1] Group 1: Financial Services and Innovations - Lukoil's subsidiary, Ping An Rongyi, has successfully provided timely loans to local entrepreneurs, such as a chicken farm owner in Henan, demonstrating the effectiveness of its financial services in rural areas [2] - The "Prism" project has been launched to focus on the financing needs of key local industries, utilizing data-driven risk control to enhance financing services and address various financing challenges faced by agricultural and manufacturing enterprises [3][5] - The company has expanded the "Prism" project's coverage to various regions, including Xinjiang and Shandong, providing essential financial support to local industries affected by adverse conditions, such as natural disasters [3][4] Group 2: AI and Technology Integration - Lukoil has developed the "Xingyun 2.0" AI intelligent loan system, which allows small and micro enterprises to obtain loans quickly with minimal input, significantly improving the efficiency of the loan application process [7] - The combination of online AI technology and offline team efforts enables Lukoil to respond swiftly to the financing needs of local enterprises, enhancing confidence among small businesses [6][7] - The company aims to be a long-term support system for local small and micro enterprises, addressing their urgent financing needs while also contributing to their sustainable growth [9]