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 | | ...

Core Insights - The "Yunfan" remote financing service platform developed by Lufax Holdings has been recognized as a "Pioneer Case of New Digital Intelligence and New Scenarios" at the 2025 "China Inclusive Finance Action" conference [1] - The platform utilizes L4-level AI remote consulting capabilities to address inefficiencies in traditional remote financing services, enhancing customer engagement and reducing marketing costs [3] Group 1: Platform Features - "Yunfan" integrates multi-dimensional data to create a three-dimensional profile of each customer, including consumption habits and emotional tendencies [3] - The platform employs predictive models trained on historical transaction data to accurately forecast customer needs, enabling intelligent scheduling and proactive customer engagement [3] - Natural language processing advancements allow the AI to interpret customer emotions and semantic nuances in real-time, providing a service level comparable to human agents [4] Group 2: Operational Impact - Since its launch in August, "Yunfan" has facilitated over 140 million yuan in remote financing while reducing operational costs by 30% [5] - The platform's human-machine collaboration has led to a 158% increase in productivity, aligning with the philosophy that AI enhances human capabilities rather than replacing them [4] Group 3: Strategic Initiatives - Lufax Holdings is actively exploring the application of large models in various financial scenarios as part of its "AI in ALL" strategy, aiming to drive digital and intelligent transformation in the financial sector [6] - The company has developed a unique "large model + knowledge base" integration system, which has been applied across the entire financing service process [6] - The innovations in financing services and intelligent customer support provide a replicable and scalable model for the broader financial industry [7]

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]

Core Insights - PAO Bank Limited has announced a more than 100% year-on-year growth in total assets as of November, supported by a capital injection of HKD 500 million from Lufax Holding Ltd, reinforcing its capital strength [1] - The bank aims to enhance its technological capabilities and upgrade personal banking services, positioning itself as a comprehensive financial platform under the Ping An Group in Hong Kong [1] Group 1: Financial Performance - PAO Bank's total assets have exceeded a 100% increase year-on-year, indicating significant business expansion [1] - Lufax Holding has invested a total of HKD 700 million in PAO Bank in 2025, demonstrating strong support for the bank's development [1] Group 2: Business Strategy - The bank is focused on becoming a "user-friendly digital wealth management bank," aiming to provide a one-stop wealth management experience [1] - PAO Bank has recently announced the launch of its insurance business, becoming the first digital bank in Hong Kong to offer comprehensive online and offline insurance services [1] Group 3: Service Innovation - The bank is integrating banking and insurance advantages to create an insurance and wealth management ecosystem, allowing customers to enjoy comprehensive protection alongside banking services [1] - The insurance offerings include various products such as auto, travel, and home insurance, with a fully paperless process for customer convenience [1]

过去一年，PAObank不断提升个人银行服务，并创下多项重要里程碑。截至今年11月底，本行总资产按 年增长超过100%，业务规模大幅扩展。继今年3月正式进军保险业务，PAObank亦宣布成为香港首间数 字银行提供在线及线下全方位保险服务，无论汽车保险、旅游保险和家居保险等一般保险产品，更将保 险产品升级至涵盖多元化人寿保障及储蓄保险计划，全程无纸化流程，让客户在弹指之间即可投保，享 受更便捷、无缝且安全的保障。作为中国平安的成员公司，PAObank积极融合银行和保险优势；并逐步 打造保险理财生态圈，让客户于享受银行服务的同时，亦可兼享全方位保障，成为具有保险DNA的数 字银行。 2025年12月22日，香港 – PAO Bank Limited(「PAObank」)宣布，随着业务不断扩大，银行今年总资产 按年录得逾一倍增长，并再度获陆金所控股有限公司(陆控)(06623.HK, NYSE LU)增资5亿港元，进一步 巩固资本实力。PAObank将继续强化科技实力，全方位升级个人银行业务，以「好用的理财数字银行」 为目标，带来一站式理财体验，成为平安集团在港的综合金融平台之一。 连同早前增资，陆控于2025年向 ...