Core Viewpoint - The company has made significant procedural progress in meeting the resumption guidance requirements, including obtaining an extension for annual report submission and ongoing audits, while maintaining normal business operations [1][2] Group 1: Financial Reporting and Auditing - The company successfully received approval from the NYSE for an extension on the annual report submission, primarily due to the need for comprehensive audits by the new auditor, Ernst & Young, covering three consecutive fiscal years from 2022 to 2024 [1] - The management emphasizes the importance of the quality of financial information disclosure, viewing the reasonable delay in audit completion as a common and professional arrangement in the capital market [1] Group 2: Governance and Internal Control - The company is actively enhancing its governance framework by hiring Deloitte as an independent advisor to conduct a systematic review and improvement of its internal control system [1] - This initiative reflects the company's commitment to a "quality first, prudent operation" strategy, aiming to strengthen the governance foundation for long-term development with a focus on investor interests [1] Group 3: Business Performance - The core consumer finance business continues to show growth, with a year-on-year increase in loan balances of 19.0% and an expanding scale of new loans, validating the effectiveness and resilience of the "small and micro + consumer finance" dual-driven model in serving the real economy [2] - As the company steadily implements its established procedures, it is expected to alleviate market concerns and achieve the resumption guidance goals sooner [2]

1月27日晚，陆控（06623.HK）发布有关复牌进度的季度更新公告，同步披露了2025年第四季度经营情 况摘要。公告显示，截至2025年12月31日，公司累计借款人数已增至约2910万人。同时，消费金融贷款 余额达到人民币596亿元，较上年同期增长19.0%；该板块在第四季度新增贷款人民币287亿元，同比增 长7.4%。 从用户基础夯实到核心业务增长，陆金所控股展现出其商业模式的内在韧性。在推进必要合规程序的同 时，这些基本面向好因素构成了公司应对当下、面向未来的有力支撑。 财经频道更多独家策划、专家专栏，免费查阅>> 责任编辑：栎树 在"小微+消金"双轮驱动模式下，公司消费金融业务展现出持续增长动力。用户基数的持续扩大与核心 业务板块的稳健增长，共同构成了陆控运营的基本盘。此外，公司所赋能贷款的C-M3迁徙率在第四季 度保持在1.1%的稳定水平。 公告亦更新了复牌相关工作的进展。陆控已获纽交所批准，将2024年度报告提交时间延长至2026年4月 30日，以保障对连续三个财年财务报表审计工作的质量。同时，公司委任的独立内部监控顾问正在推进 内控体系审查与整改。 ...

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]