Core Insights - The core message of the announcements is that Lufax Holdings is making significant progress in addressing historical issues and strengthening corporate governance while demonstrating resilience in its core business operations [1][2]. Group 1: Governance Foundation - Lufax Holdings has undertaken a comprehensive review and strengthening of its corporate governance, including the appointment of respected industry figure Ye Dichi as chairman and the engagement of Ernst & Young as its auditor and Deloitte as an internal control consultant [2]. - The company reported a steady increase in new loans, reaching RMB 48.9 billion, a year-on-year growth of 8.1%, with consumer finance loans specifically growing by 30.6% to RMB 28.9 billion compared to RMB 22.1 billion in the same period of 2024 [2][3]. Group 2: Business Performance and Risk Management - The structural transformation of Lufax Holdings has led to a more balanced risk-reward profile and stronger profitability resilience, supported by a stable loan portfolio with a C-M3 migration rate of 0.9% and a non-performing loan (NPL) rate of 1.2% [3]. - The company maintained a 90-day overdue rate of 2.7%, indicating effective risk management and overall asset quality control [3]. Group 3: ESG Rating Upgrade - MSCI upgraded Lufax Holdings' ESG rating from "A" to "AA," reflecting substantial progress in governance structure optimization, internal control enhancement, and consumer rights protection [4][5]. - The upgrade is attributed to the company's commitment to social responsibility and its efforts to enhance financial service accessibility for small and micro enterprises, demonstrating the dual engine of governance improvement and inclusive finance practice [4][5]. Group 4: Conclusion - The strategic initiatives, including the introduction of Ernst & Young and Deloitte, alongside robust core business performance and the "AA" ESG rating, signify a transformative process for Lufax Holdings [6]. - The optimization of governance structures provides a solid foundation for compliance and risk management, while the deepening of inclusive financial services expands the company's commercial and social value [6].
陆金所控股(LU.US/06623.HK)：治理筑基与业务韧性并举，内在价值获ESG权威认可