陆控年度报告2025

Lufax Holding Ltd陆金所控股有限公司 （ 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 243553100107113115117119120252253 20264 142026414202581420264 1320264132025814 20264 120254 2320263 3120254232025423 20262182026218202621720262172025423 202581420258142026414202641320258 142025814 20254 2320264 142026414202581420264 1320264132025814 頴 2025423頴2025423 Maples Corporate Services LimitedPO Box 309, Ugland HouseGrand Cayman, KY1-1104Cayman Islands 1542 133318 2920 33191920 1016–3032–42 9792720256 25 5047 222025625 2 7088 1 Maples Fund Services (Cayman) LimitedPO Box 1093Boundary Hall, Cricket SquareGrand Cayman, KY1-1102Cayman Islands https://ir-hk.lufaxholding.com/ 6623 慤1617 LU 2023202420253.95.04.020232024202512313,1542,1691,838263 202320242025123188.2%76.9%67.6%202320242025278,067219,291198,485202320242025551,253586,807445,24211.8%23.1%32.4%2023202420256,8056,7288,888202320242025 2024Ping An Digital Bank2025(i)(ii)(iii)(iv)AI(v)(vi) 202420254 20 20232023123149.8%2024123199.7%2025123199.1%2023123139.8%2024123174.5%202591.4% 202312312,783202412311,668202512311,243178 陸 控 20231231371202412315012025123159685 5030 202512317.220232024202590%84%87%202320242025123186%85%84% 202585.1%28.8%26.9%40.1% 2025123170%254520232024202512311.84.13.2 2025123129.12023202420253.95.04.0 2025 (i) 2025123121,80097%172 20232024202524.034.128.04.0 20232024202585662.6%86773.7%73778.2%20254.5 (ii) (iii) 202512311,000 20232024202578.262.772.310.3 20232024202519514.2%1129.5%85129.0% 20232024202512311.84.13.2 202512312.1172 2025 (2) 2025102200,000 36362021602023 2023202420251231 1236 2025123181.7%18.3% 202521.6%17.0%17.2%122023202420252020924% 202582.7%17.3%35.4198,48528,383 20232024202512312,0791,248939134202320242025910862708101 96.5%202535.8445,24263,669 20232024202512317044203044320232024202545931423433 202375%202476%202578% 20205 12362023202420256.86.78.91.3 2023202420251231371501596852023202420257129551,197171 292023202320242025123154968067596202512318.6% 20202512312953.6 20251231807 202545.6%26.9%202510% 80 20232024202579798020232024202539.1%30.9%27.7% (i)(ii)(iii) 20232024202520232024202526.6%22.5%11.4% 20232024202534.2%44.8%55.9% 2024720248202510620254.9% 2025123173.720 202512319,4002,2001,7002025123162%63%38%37% VPNIP IP R1R62024AI100%AIAI 20,00050,000 20 App 2025 20232024202549.741.644.96.4 80 202512318.6%100% R1R6 R1R6 202320242025123130 9020232024202512319090901798090 20251231909090(MOB) (i)129(ii)3059129(iii)60893059 202512311.2%202412311.2%202312311.5%91 202320251231 2025202320242025123164.2%28.6%8.2% 202512317.3% 20075%150%2020520 80 Ping An Digital Bank 20244Ping An Digital BankPing An Digital Bank20195Ping An Digital BankPing An DigitalBankPingAn Digital BankPing An Digital Bank(Business Banking)Ping An Digital Bank 2025123120244Ping An Digital Bank2024520257 2023 2024123124,51310.7%2025123127,128 202412318,16131.5%202512315,58820248131.8%2025558202495.010.2%202585.012.1 2024123112,3117.2%2025123113,194 20243,58053.5%20255,496786 20241,04620251,655陆 202412311,50820.8%202512311,1952025 2024123126,5924.2%2025123127,705 202412315,40625.3%202512314,036 202412312,0245.0%202512311,922 202412315,03423.8%202512313,837 202412311,17815.9%20251231991 2024123112631.3%20251231166 20242025282025 2024123185204.6%20251231258 2024253202574112025 202412311525.6%2025123111 2024362025173 2025123122,0862024123129,9042025123182020241231836 20251231(i)12,473(ii)16,467(iii)3,317 20241231(i)1,817(ii)2,669 (iii)11,282 20251231 2025123154,8918,2271.65%4.2%62,314 20251231976.9 2024202512312251,030 2024202512311,1791,139 202420251231136 16(b)20251231 2025123185.4% 20251231202512315% 14202621520242026215 20251231 20251231 20232025123167,470 47 202512313720251231 20251272025423202512312025625202512720254232025529 202512720254232025102420261272026427202621520241231 202631934 2025123133,16320251231 202512316,471 20142024122019 20251231 C12202571202571 C12 C.2.12025112025423 202542320251031 C3 20251231 20264 1202542320263 3120254232025423 20262182026218202621720262172025423 2025423202641420264142025814202641320264132025814 (1) (2)(3)(4)(5) 2025112025423 2025423 20251031 20251231 3.13 20254232025423202581420262182026218202641202641420264143.09D202541720254142025813202621220262122026313202648202649 202542320263 31AB2025423AB(2)2025423 (1) AB(2)20251231(3)20251231(4) (i)(ii) 20264132025814202641320258142026414202581420264143.10(2)3.21 20258142026413202581420258142025814202581420258142026414 (i)(ii) 2,500,0002,500,0015,000,000 2025123154.7%45.3% 20251231 (1)2025423(2)2025423(3)2025423(4)2025423(5)2025814(6)2025814 2025123120251231 20221120251231 20254232025102420261272026427 (i)(ii) 20232025620222023202412312022202320241231135 (1) (2)(3)(4) 頴 202512313.2915 (https://ir-hk.lufaxholding.com/) 59(2)(61) 133318 Investor_Relations@lu.com 20251231 202339202320%40% 20251231 20251231 20264 120254