Group 1 - The core strategy of the company is "AI in All," focusing on reshaping customer service experiences through artificial intelligence applications [1][2] - The project "Intelligent Customer Service 3.0," developed in collaboration with Ping An Technology, won the "Smart Leadership Case" award in the financial technology innovation application category, selected from 702 entries [1] - The project addresses three major pain points in intelligent customer service: insufficient complex problem recognition, lack of emotional perception, and inadequate personalized service capabilities [1] Group 2 - The "Intelligent Customer Service 3.0" combines NLP small models with LLM large models to create a "dual-model collaboration" technical architecture, improving complex intent understanding accuracy from 25% to 92% and customer emotion recognition accuracy to over 90% [2] - The company has built a robust AI architecture and a powerful computing cluster tailored to business needs, accumulating petabyte-level industry-specific knowledge through knowledge engineering [2] - The company emphasizes AI safety governance, establishing a comprehensive AI safety governance system that includes application safety, data security, model algorithm safety, and compliance operations to ensure AI applications are "safe, reliable, and controllable" [2] Group 3 - The case collection aims to promote high-quality development in China's financial technology sector and gather innovative application cases that support the "Five Major Articles" related to financial technology [3] - The China Academy of Information and Communications Technology (CAICT) is a subordinate unit of the Ministry of Industry and Information Technology, focusing on the integration of new-generation information technology in the financial sector [3]

Core Insights - The new general manager of Puda Credit Co., Ltd. has been appointed, with Jin Bo taking on the role [1][3] - Puda Credit held a large model ecological conference in Beijing, where Jin Bo delivered the opening speech [1] Company Overview - Jin Bo has been with Puda Credit since its establishment in late 2020, serving as deputy general manager for over four years [5] - Prior to joining Puda Credit, Jin Bo had limited public information available, but he has published several papers focusing on credit reporting, social credit, and digital finance [5] Leadership Transition - The former general manager, Cheng Jianbo, came from JD Technology, where he held significant positions in financial risk management [5] - Cheng Jianbo left Puda Credit in April to join Luokong (NYSE: LU) as Chief Risk Expert, and was later appointed Chief Risk Officer [5]

Core Insights - The integration of "Artificial Intelligence +" is driving a paradigm shift in the information security industry, necessitating a transition from traditional decentralized defenses to systematic, intelligent, and practical security capabilities [1][10] - The "Rock Solid Action" initiative in Shanghai has become a benchmark for assessing the cybersecurity capabilities of enterprises, with the 2025 event expanding to include 58 top attack teams and 187 defense teams, totaling nearly 4,000 participants [1][3] Group 1: Industry Developments - The 2025 "Rock Solid Action" event introduced advanced attack scenarios such as AI deep forgery and supply chain penetration, attracting hundreds of cross-industry companies and nearly 4,000 technical experts [4] - The "Iron Triangle" of Shanghai's information security, consisting of Lujin Technology, Hehe Information, and Shizhi Information, has achieved three consecutive years of excellence in the "Blue Team" category, reflecting a robust defense system aligned with industry needs [4][10] Group 2: Company Performance - Lujin Technology's performance in the "Rock Solid Action" highlights its ability to adapt financial-grade defense capabilities to general security scenarios, evolving from basic vulnerability defense in 2023 to addressing AI deep forgery attacks in 2025 [4][5] - The company has also excelled in other competitions, such as the "Guan An Cup" ISG competition and the ninth CTF competition organized by Ping An Group, demonstrating its commitment to practical security training [5] Group 3: AI and Security Innovations - Lujin Technology is implementing an AI-driven dynamic defense system that transitions from passive defense to proactive warning, utilizing deep learning algorithms to identify hidden attack chains in real-time [9] - The company has developed an automated security operations platform that enhances incident response efficiency, achieving an average response time of just 2 minutes for over 5,598 attacks, significantly reducing manpower requirements [9] Group 4: Strategic Vision - The rise of the "Iron Triangle" in Shanghai's fintech security sector is attributed to long-term accumulation and precise planning, establishing a benchmark for local fintech companies and providing a replicable model for national digital economic development [10] - Lujin Technology's focus on AI technology, compliance, and practical defense experience positions it as a key player in safeguarding data security and financial stability in the evolving digital economy [10]

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通告的內容概不負 責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本通告全部或任 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。 截至2025年11月17日營業時間結束時（紐約時間），記錄在冊的美國存託股份持 有人有權向存託機構提供投票指示，且必須在存託機構發佈的美國存託股份投票指示 卡指定的日期及時間前向美國存託股份的存託機構花旗銀行發出投票指示。 – 2 – 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） （股份代號：6623） （紐交所股票代碼：LU） 股東特別大會通告 茲通告陸金所控股有限公司（「本公司」）謹訂於2025年12月29日（星期一）上午九 時三十分（香港時間）假座中華人民共和國上海市浦東新區陸家嘴環路1333號3601室舉 行股東特別大會（「股東特別大會」），以考慮並酌情通過下列普通決議案。除另有指明 外，本通告所用詞彙與本公司日期為2025年12月3日的通函（「通函」）所界定者具有相 同涵義。 普通決議案 考慮及酌情通過（不論有否修訂）以下決議案為普通決議案： 1 ...

此乃要件 請即處理 閣下如對本通函或應採取的行動有任何疑問，應諮詢 閣下的股票經紀或其他持牌證券交易商、銀行經理、律師、專 業會計師或其他專業顧問。 閣下如已將名下的陸金所控股有限公司股份全部售出或轉讓，應立即將本通函連同隨附的代表委任表格送交買主或承 讓人或經手買賣或轉讓的銀行、持牌證券交易商或其他代理人，以便轉交買主或承讓人。 香港交易及結算所有限公司和香港聯合交易所有限公司對本通函的內容概不負責，對其準確性或完整性亦不發表任何 聲明，並明確表示，概不對因本通函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） （股份代號：6623） （紐交所股票代碼：LU） (1)重續持續關連交易 及 (2)股東特別大會通告 獨立董事委員會及 獨立股東之獨立財務顧問 本封面頁所用詞彙應與通函所界定者具有相同涵義。 董事會函件載於本通函第7至33頁。獨立董事委員會致獨立股東之函件載於本通函第34至35頁。獨立財務顧問函件（載 有其對獨立董事委員會及獨立股東的意見）載於本通函第36至76頁。 陸金所控股有限公司 ...

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11月30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: 2025年12月2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 ...

Summary of Key Points from the Conference Call Industry Overview - **Industry**: China Financials, specifically focusing on manufacturing and infrastructure investments in China [1][5][7] Core Insights and Arguments - **Manufacturing FAI Growth**: There has been a notable slowdown in manufacturing Fixed Asset Investment (FAI) growth, dropping to 2.7% year-over-year (yoy) from 4.0% yoy in the previous month, indicating steady progress on capital expenditure (capex) slowdown [7] - **Liability Growth**: Total liability growth for industrial firms moderated to 5.0% yoy, while manufacturing firms saw a slight increase to 5.9% yoy. This moderation is expected to lead to more rational capacity expansion [2][7] - **Revenue Decline**: Manufacturing revenue declined by 4.3% yoy, attributed to lower production levels due to overcapacity control efforts. The Value-Added Industrial (VAI) growth also slowed to 4.9% yoy from 6.5% yoy in September [3][10] - **Profit Growth**: Manufacturing profit growth moderated to 7.7% yoy from 9.9% yoy in September, influenced by higher financing costs and lower production [10] Future Outlook - **Infrastructure Investment**: A potential increase in infrastructure investments, supported by a new RMB 500 billion fund from the China Development Bank, is expected to bolster demand in 2026 and aid in the digestion of overcapacity risks [8][3] - **Sector Performance**: 77.1% of sectors experienced a slowdown in capex in October 2025 compared to the first half of 2025, while 39.3% of sectors showed profit improvement [9][7] Additional Important Information - **PPI Trends**: The Producer Price Index (PPI) rebounded month-over-month for the first time since December 2024, with the year-over-year decline narrowing to 2.1% [7] - **Investment Sentiment**: The overall sentiment towards the China Financials sector remains attractive, with ongoing efforts in financial tightening contributing to anti-involution measures [5][4] This summary encapsulates the critical insights from the conference call, highlighting the current state and future expectations of the manufacturing and financial sectors in China.

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]