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 於本公告日期，平安保險通過安科技術及平安海外控股間接持有本公司已發行 股本約66.85%。因此，根據《上市規則》第十四A章，(a)2026年物業租賃框架協 議；(b)2026年產品及服務提供框架協議；(c)2026年服務及產品購買框架協議； (d)2026年金融服務框架協議；及(e)2026年賬戶管理框架協議項下擬進行的交易 均構成本公司的持續關連交易。 平安消費金融為本公司的間接非全資子公司，於本公告日期由本公司及平安保 險分別擁有70%及30%的股權，因此根據《上市規則》第14A.16條，平安消費金 融為本公司的關連子公司。因此，根據《上市規則》第十四A章，2026年平安消 費金融服務合作框架協議項下擬進行的交易構成本公司的持續關連交易。 （於開曼群島註冊成立的有限公司） （股份代號：6623） （紐交所股票代碼：LU） 重續持續關連交易 及 ...

| 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/註冊股本總額： USD 100,000 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 | | | 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: 2025年11月6日 I. 法定/註冊股本變動 F ...

Core Insights - The company has appointed two senior executives, Ji Xiang as Co-CEO and Wu Tao as Executive Vice President and Chief Marketing Officer, to enhance its management team and drive its "micro + consumer finance" dual strategy [1][2] Group 1: Executive Appointments - Ji Xiang brings nearly 20 years of experience in retail credit, risk management, and investment management from McKinsey & Company, where he served as a global partner [1][2] - Wu Tao has over 30 years of experience in property insurance, automotive services, and the internet industry, previously holding key positions at Ping An Property & Casualty Insurance and as CEO of Autohome [2] Group 2: Strategic Focus - The appointments aim to strengthen the company's strategic execution capabilities and enhance its operational efficiency, aligning with its commitment to "quality first and prudent management" [2] - Ji Xiang's strategic thinking and international perspective, combined with Wu Tao's practical experience in channel management, are expected to create a synergy that supports high-quality business development [2] Group 3: Financial Performance - As of September 30, the company enabled new loans totaling RMB 56.9 billion, a 12.8% increase from 2024, with approximately 28.5 million borrowers [3] - Consumer finance business showed strong growth with new loans of RMB 31.7 billion in Q3, a year-on-year increase of 20.1%, while small micro-loan business also showed signs of recovery with a 26% quarter-on-quarter increase [3] - The effective complementarity of the two business lines validates the resilience and foresight of the "micro + consumer finance" dual-driven model [3]

Group 1: Management Changes - The board of directors of the company has proposed the appointment of Mr. Ji Xiang as Co-CEO and Mr. Wu Tao as Executive Vice President and Chief Marketing Officer [1][2] - Mr. Ji Xiang has nearly 20 years of cross-industry experience in retail credit, risk management, and investment management, previously serving as a global partner at McKinsey & Company [1] - Mr. Wu Tao has over 30 years of experience in property insurance, automotive services, and the internet, previously holding executive positions at AutoHome and Ping An Property & Casualty Insurance [2] Group 2: Upcoming Events - The company will hold a special shareholders' meeting on December 29, 2025, with the record date for shares set for November 17, 2025 [2] Group 3: Financial Performance - In the third quarter, the company reported a total new loan amount of 56.9 billion RMB, representing a year-on-year increase of 13%, with consumer finance loans increasing by 20.1% to 31.7 billion RMB [3] - As of September 30, the cumulative number of borrowers increased by 15.3% year-on-year to approximately 28.5 million [3]

Core Viewpoint - Lufax Holding (06623.HK; LU.N) is undergoing significant management changes amid ongoing audit issues and delayed financial reporting, which raises concerns about its operational stability and governance [3][4]. Management Changes - Lufax appointed Ji Xiang as co-CEO and Wu Tao as Executive Vice President and Chief Marketing Officer, effective immediately [3]. - Ji Xiang, aged 43, previously worked at McKinsey for over ten years, most recently as a global partner overseeing retail banking in Asia, with an annual salary of RMB 3.3 million [3]. - Wu Tao has over 20 years of experience within the Ping An system and has held various senior roles, including CEO of Autohome [3]. Audit and Financial Reporting Issues - Lufax is facing audit troubles, having parted ways with its former auditors due to suspected related-party transactions, which were confirmed but not properly accounted for [4][5]. - The company has appointed Ernst & Young as its new auditor to reassess financial statements for 2022 and 2023, and to complete audits for 2024 and 2025 [5]. - Lufax has requested an extension until April 30, 2026, to submit its 2024 20-F form to the NYSE, indicating delays in financial reporting [5]. Financial Performance - As of September 30, 2025, Lufax reported a total outstanding loan balance of RMB 189.6 billion, a year-on-year decrease of 11.0% [6]. - The retail credit empowerment business revenue rate was 13.0%, an increase of 3.3 percentage points year-on-year [6]. - The overdue rate for loans exceeding 30 days was 5.1% as of September 30, 2025, up from 4.6% as of June 30, 2025 [6].

Group 1: Management Changes - Lufax Holdings has appointed Ji Xiang as co-CEO and Wu Tao as Executive Vice President and Chief Marketing Officer, effective immediately [1] - Ji Xiang, aged 43, previously worked at McKinsey for over ten years, serving as a global partner overseeing retail banking in Asia, with an initial three-year term and an annual salary of RMB 3.3 million [1] - Wu Tao has over 20 years of experience within the Ping An system and has held various senior positions, including CEO of Autohome [1] Group 2: Audit and Financial Reporting Issues - Lufax Holdings is currently facing audit issues and delays in financial reporting, having parted ways with its former auditors due to suspected related party transactions [2] - The company has appointed Ernst & Young as its new auditor to review financial statements for 2022 and 2023, and has requested an extension until April 30, 2026, for submitting its 2024 20-F form [3] - As of September 30, 2025, the total outstanding loan balance was RMB 189.6 billion, a year-on-year decrease of 11.0%, with a retail credit empowerment business income rate of 13.0%, up 3.3 percentage points year-on-year [3]

Core Viewpoint - The announcement from the company details the appointment of new senior management personnel and the schedule for a special shareholders' meeting, indicating a strategic shift in leadership aimed at enhancing operational efficiency and growth in financial services [1][2]. Group 1: Management Appointments - The board proposes the appointment of Mr. Ji Xiang as Co-CEO and Mr. Wu Tao as Executive Vice President and Chief Marketing Officer [1][2]. - Mr. Ji Xiang, aged 43, has nearly 20 years of cross-industry experience in retail credit, risk management, and investment management, previously serving as a global partner at McKinsey & Company [1]. - Mr. Wu Tao, aged 52, brings over 30 years of experience in property insurance, automotive services, and the internet, having held various leadership roles at AutoHome and Ping An Insurance [2]. Group 2: Upcoming Shareholders' Meeting - The company will hold a special shareholders' meeting on December 29, 2025, with a record date for shares set at the end of business on November 17, 2025 [2]. Group 3: Company Performance - The company reported a total of 56.9 billion RMB in new loans for the third quarter, representing a year-on-year increase of 13%, with consumer finance loans increasing by 20.1% to 31.7 billion RMB [3]. - As of September 30, the cumulative number of borrowers increased by 15.3% year-on-year to approximately 28.5 million [3].

Core Viewpoint - The company has appointed new executives, including a co-CEO and a Chief Marketing Officer, effective immediately [1] Group 1 - The company has accepted the recommendations from the Board of Directors and the Compensation Committee [1] - Ji Xiang has been appointed as the co-CEO of the company [1] - Wu Tao has been appointed as the Executive Vice President and Chief Marketing Officer of the company [1]

Core Viewpoint - The company has appointed new executives, including a co-CEO and a Chief Marketing Officer, effective immediately [1] Group 1 - The board of directors has accepted the recommendations from the nomination and remuneration committee [1] - The company has appointed Ji Xiang as the co-CEO [1] - Wu Tao has been appointed as the Executive Vice President and Chief Marketing Officer [1]

Core Insights - Lufax Holding Ltd has appointed Mr. Xiang Ji as Co-Chief Executive Officer and Mr. Tao Wu as Executive Deputy General Manager and Chief Marketing Officer, effective immediately [1][4]. Leadership Appointments - Mr. Xiang Ji, aged 43, has nearly 20 years of experience in retail credit, risk management, and investment management, previously serving as Global Managing Partner at McKinsey & Company overseeing Asia Retail Banking Business [2]. - Mr. Tao Wu, aged 52, brings over 30 years of experience in financial insurance, automobile service, and internet industries, having held various leadership roles at Autohome and Ping An Property & Casualty Insurance [3]. Company Overview - Lufax is recognized as a leading financial services enabler for small business owners in China, offering financing products tailored to their needs and maintaining relationships with 85 financial institutions as funding partners [5].