Core Viewpoint - Lufax Holding has made significant progress in governance and business transformation, addressing past challenges and laying a solid foundation for future growth through systematic measures and strategic focus on consumer finance [1][2][3]. Governance Deepening - The company has conducted a thorough investigation into historical transactions, clarifying the motives behind specific trades aimed at compensating retail investors who suffered losses [1]. - Lufax has appointed Deloitte as an independent internal monitoring consultant to review its governance and internal control policies, indicating a commitment to rebuilding its internal control system to prevent future issues [2]. - The company's governance improvements have been recognized by MSCI, which upgraded Lufax's ESG rating to "AA," reflecting substantial enhancements in governance and internal controls [2]. Business Focus - Lufax's core business has shown resilience and growth, particularly in consumer finance, with a loan balance reaching 59.6 billion yuan, a 19.0% year-on-year increase as of December 31, 2025 [3]. - The company has maintained a stable non-performing loan (NPL) rate of 1.2% in its consumer finance segment, demonstrating effective risk management and a robust business model [3][4]. - The total number of borrowers has grown to approximately 29.1 million, indicating a solid and expanding base for its inclusive financial services [3]. Conclusion - Over the past year, Lufax has undergone a profound self-reform, including changes in auditors and the appointment of experienced executives to strengthen governance [5]. - The company is actively cooperating with Ernst & Young to complete its financial audit and has received an extension from the NYSE for its annual report submission, clarifying the path to resuming trading [6]. - As short-term uncertainties are resolved, Lufax is positioned for a re-evaluation of its intrinsic value, supported by improved governance, focused business strategies, and sustainable operational models [6].

Core Viewpoint - The company, Lu控 (06623.HK), reported a significant increase in its consumer finance business, with a total loan balance reaching RMB 59.6 billion, reflecting a year-on-year growth of 19.0% as of December 31, 2025 [1] Group 1: Business Performance - As of December 31, 2025, the cumulative number of borrowers reached approximately 29.1 million [1] - The consumer finance loan balance increased by RMB 28.7 billion in the fourth quarter, representing a year-on-year growth of 7.4% [1] - The company's "small and micro + consumer finance" dual-driven model continues to show sustained growth momentum [1] Group 2: Operational Updates - The company has received approval from the New York Stock Exchange to extend the submission deadline for its 2024 annual report to April 30, 2026, ensuring the quality of financial statement audits for three consecutive fiscal years [1] - An independent internal control consultant has been appointed to advance the review and rectification of the internal control system [1] Group 3: Business Resilience - The expansion of the user base and steady growth in core business segments demonstrate the inherent resilience of the company's business model [1] - Positive fundamental factors provide strong support for the company to navigate current challenges and future opportunities while advancing necessary compliance procedures [1]

2026.01.27 针对上述问题，陆控在公告中披露了整改措施：陆控前联席首席执行官和前首席财务官（均已离职）主 要负责设计和实施补偿性交易。对于在相关交易中负有责任或起到支持作用的人员，陆控正在考虑适当 的人员管理措施。此外，陆控已委任德勤作为独立内部监控顾问，对公司内部监控系统进行审查并提供 整改建议，以完善内部控制。 陆控在公告中表示，补充调查结果已提供给继任审计师安永进行2022年至2024年财报审计。纽交所已批 准其过往财报发布延期至2026年4月30日。"公司正在编制尚待刊发的财务业绩。公司正在积极推进相关 工作，包括配合审计、落实内部监控整改措施等，并将根据上市规则的要求适时就复牌进展作出进一步 公告。"陆控表示。 公告同步披露了陆控2025年第四季度经营情况摘要。数据显示，截至2025年12月31日，陆控总贷款余额 为1838亿元，较上年同期下降15.2%，其中消费金融贷款余额为596亿元，同比增长19.0%。截至2025年 12月31日，陆控已赋能贷款总额（不包括消费金融子公司）的30天以上逾期率为5.6%，而截至去年三 季度末为5.1%；消费金融贷款的不良贷款（NPL）率为1.2%，而截至 ...

2026.01. 27 本文字数：1206，阅读时长大约2分钟 陆控在公告中表示，补充调查结果已提供给继任审计师安永进行2022年至2024年财报审计。纽交所已批准 其过往财报发布延期至2026年4月30日。"公司正在编制尚待刊发的财务业绩。公司正在积极推进相关工 作，包括配合审计、落实内部监控整改措施等，并将根据上市规则的要求适时就复牌进展作出进一步公 告。"陆控表示。 作者 | 第一财经 杨倩雯 陆金所控股（06623.HK；LU.N）的关联交易审计风波又有进展。 1月27日晚，陆金所控股（下称"陆控"）发布有关复牌进度季度更新公告，披露了补充调查结果、整改措施 以及复牌进度等信息。 根据补充调查结果，在2017年至2023年期间，陆控向第三方深圳德诚投资发展有限公司（下称"德诚投 资"）提供了总计38.4亿元贷款。这些贷款的部分资金被德诚投资用于收购某些风险或风险理财产品的底层 资产，目的是用于补偿通过陆控平台购买相关亏损金融产品的零售投资者。 调查团队发现，上述用于补偿交易的贷款交易会计处理未反映上述贷款交易的经济实质，即德诚投资作为通 道方代陆控承接相关风险资产或风险理财产品的底层资产，支付对价以补 ...

针对上述问题，陆控在公告中披露了整改措施：陆控前联席首席执行官和前首席财务官（均已离职）主 要负责设计和实施补偿性交易。对于在相关交易中负有责任或起到支持作用的人员，陆控正在考虑适当 的人员管理措施。此外，陆控已委任德勤作为独立内部监控顾问，对公司内部监控系统进行审查并提供 整改建议，以完善内部控制。 陆控在公告中表示，补充调查结果已提供给继任审计师安永进行2022年至2024年财报审计。纽交所已批 准其过往财报发布延期至2026年4月30日。"公司正在编制尚待刊发的财务业绩。公司正在积极推进相关 工作，包括配合审计、落实内部监控整改措施等，并将根据上市规则的要求适时就复牌进展作出进一步 公告。"陆控表示。 根据补充调查结果，在2017年至2023年期间，陆控向第三方深圳德诚投资发展有限公司（下称"德诚投 资"）提供了总计38.4亿元贷款。这些贷款的部分资金被德诚投资用于收购某些风险或风险理财产品的 底层资产，目的是用于补偿通过陆控平台购买相关亏损金融产品的零售投资者。 调查团队发现，上述用于补偿交易的贷款交易会计处理未反映上述贷款交易的经济实质，即德诚投资作 为通道方代陆控承接相关风险资产或风险理财产品的底 ...

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].

Core Insights - The 2025 KPMG China FinTech Dual 50 Report marks the 10th anniversary of the selection, showcasing the industry's development during the critical period of the "14th Five-Year Plan" [1] - FinTech is transitioning from "digitalization" to "intelligentization," becoming a vital engine for serving the real economy, with "pragmatism" and "deepening" as the main themes of industry development [1][2] - The report highlights a significant concentration of companies in major urban areas, with Beijing, Shanghai, and Shenzhen leading the first tier, and the Yangtze River Delta, Guangdong-Hong Kong-Macau, and Beijing-Tianjin-Hebei regions accounting for 88% of the total [1][2] Company Composition - 90% of the listed companies have been established for over five years, while the proportion of companies founded within the last three years has increased to 6%, indicating a collaborative development between established and emerging players [1] - Over 80% of the listed companies have more than 40% of their workforce in technology roles, emphasizing the importance of core technical talent as a support for industry innovation [1][2] Technology Application - Artificial intelligence continues to lead, with 92% of the listed companies utilizing technological elements, collaborating deeply with big data and blockchain technologies, and penetrating core scenarios such as investment research and risk control [2] - The application of large models and intelligent agents is moving beyond conceptual phases, with a "collaborative model" reducing costs and improving response times, while multi-agent collaboration significantly enhances the accuracy of complex task handling [2] Industry Trends - FinTech services are penetrating the entire lifecycle of technology companies, utilizing intelligent credit assessments to meet diverse financing needs at different stages [2] - The industry is entering a 2.0 era of going global, forming a "dual market" model that promotes inclusive financial services in emerging markets while building competitive advantages through technology exports in mature markets [2] Capital Market Insights - 63% of the listed companies have IPO plans, with Hong Kong and domestic markets being the primary destinations for listings, and some companies adopting multi-location listing strategies [2] - As technological innovation deepens and regulatory frameworks improve, FinTech is expected to continue advancing in core technological breakthroughs, application scenario expansions, and enhancements in self-controllable capabilities, injecting lasting momentum into high-quality industry development [2]

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 ...