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]