财务数据和关键指标变化 - 第三季度总收入为人民币55亿元，同比下降31.1%，主要由于贷款余额减少41.8% [10] - 总支出下降19.2%至人民币63亿元，运营支出下降35.9%至人民币30亿元 [10] - 净亏损为人民币7.25亿元 [11] 各条业务线数据和关键指标变化 - 新贷款销售总额为人民币505亿元，同比持平，环比增长11.7% [6] - 消费金融贷款同比增长27.8%，占总新贷款销售的52% [6] - 技术平台收入为人民币16亿元，同比下降49.9% [14] 各个市场数据和关键指标变化 - 小微企业发展指数在第三季度下降0.3点至88.7 [4] - 消费者物价指数（CPI）从6月的0.2%改善至9月的0.4% [4] 公司战略和发展方向和行业竞争 - 公司计划在小微企业贷款领域保持谨慎，优先考虑资产质量 [3] - 将更多关注非小微企业客户，继续推动消费金融业务增长 [5] - 通过新获得的小额贷款牌照，预计将进一步降低资金成本并优化产品组合 [8] 管理层对经营环境和未来前景的评论 - 管理层对政策刺激措施的影响持乐观态度，但认为小微企业需要时间才能受益 [18] - 预计贷款余额将在未来几个月内稳定，资产质量将进一步改善 [21] 其他重要信息 - 平安集团的强制性收购要约于9月27日开始，预计将于10月28日结束 [9] - 公司承诺将继续为股东提供长期回报 [22] 问答环节所有提问和回答 问题: 新政策刺激对业务的影响 - 管理层认为政策刺激将对经济和小微企业产生积极影响，但短期内仍需谨慎 [18] 问题: 未来的业务展望 - 贷款量指导维持在人民币1900亿至2200亿元，贷款余额指导在人民币2000亿至2300亿元 [19] 问题: 资产质量表现 - 资产质量指标在第三季度保持稳定，Puhui贷款的C-M3流失率为0.9% [21] 问题: 特别股息计划 - 目前没有具体的特别股息计划，但管理层承诺将考虑所有积极的回报方式 [22] 问题: 信贷减值损失增加的原因 - 信贷减值损失的增加主要是由于贷款的前期准备金 [25] 问题: 资金成本的趋势 - 资金成本在第三季度进一步下降，预计将继续优化 [26]

Exhibit 99.2 Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this announcement, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this announcement. Lufax Holding Ltd 陆 金 所 控 股 有 限 公 司 (Incorporated in the Cayman Islands with limited liability) (Stock Code: 6623) (NYSE Stock Tic ...

YinYangI maintain my Buy investment rating for Lufax Holding Ltd (NYSE:LU) [6623:HK]. LU's shares have pulled back in recent weeks due to the company's poor Q2 bottom line performance and the omission of interim dividends. But Lufax has been making good progress with its strategic pivot, and the company is well-positioned to record positive net income again in FY 2025. As such, I remain bullish on LU with my unchanged Buy rating. The prior June 6, 2024 write-up was focused on LU's Q1 2024 operating metr ...

财务数据和关键指标变化 - 公司总收入同比下降35.5%至60亿元,主要由于贷款余额下降44.8%所致 [25] - 总费用同比下降20.3%至63亿元,其中经营费用下降29.7%至35亿元,信用减值损失下降14.6%至26亿元 [26] - 公司净亏损7.3亿元 [26] 各条业务线数据和关键指标变化 - 普惠贷款新发放额同比下降35%,占总新发放额的51% [10] - 消费金融贷款新发放额同比增长23.6%,占总新发放额的49% [11] - 普惠贷款不良率从上季度的1.0%改善至0.9%,消费金融贷款不良率从1.6%下降至1.4% [13] - 100%担保模式下的贷款占比不断提升,贷款平均利率从20.3%下降至19.6% [27] 各个市场数据和关键指标变化 - 小微企业发展指数环比下降0.3点至89,企业经营指数从50.1下降至49.3,反映小微企业经营环境持续面临挑战 [9] 公司战略和发展方向及行业竞争 - 公司将继续推进100%担保模式,提高资产质量和资本效率 [14] - 收购PAObank后,其贷款余额同比增长45%,未来将推出保险、财富管理等新业务 [15] - 公司新获得全国小额贷款牌照,有助于降低融资成本、丰富产品和提高资本管理效率 [16] - 与平安集团的战略合作将在品牌、技术、渠道等方面带来协同效应,有利于更好服务小微企业客户 [18][19][20] 管理层对经营环境和未来前景的评论 - 尽管宏观环境复杂,但公司资产质量和消费金融业务表现良好,将继续执行谨慎的战略 [22] - 公司有信心通过持续优化风险模型、升级运营管理等措施,进一步改善资产质量 [39] - 公司对融资成本的下降趋势保持乐观,并将通过提高运营效率来应对规模缩小带来的影响 [44][47][48] 其他重要信息 - 公司已如期完成特别股息分配,平安集团持股比例增至56.8% [17] - 公司将保持独立上市地位,与平安集团深化协同发展 [18] 问答环节重要的提问和回答 问题1 **Emma Xu 提问** - 贷款需求情况如何,公司是否有信心完成全年目标 [37] - 资产质量持续改善的原因及可持续性 [37] **Yong Suk Cho 回答** - 整体贷款需求仍然疲弱,但消费金融业务表现相对稳定,公司将更多聚焦该领域 [38] - 通过优化客户结构、升级风险模型等措施,公司有信心持续改善资产质量 [39] 问题2 **Yada Li 提问** - 未来与平安集团的合作重点领域 [41] - 是否有进一步提高股东回报的计划 [41] - 融资成本和运营效率的展望 [41][42] **Yong Suk Cho 和 Peiqing Zhu 回答** - 在客户获取、技术发展、品牌建设等方面与平安集团加强合作 [43][44] - 公司致力于通过多种方式提高股东回报,未来仍将执行20%-40%净利润分红政策 [45] - 融资成本有望进一步下降,运营效率也将通过数字化转型等措施持续提升 [44][46][47][48]

Lufax Reports Second Quarter 2024 Financial Results SHANGHAI, Aug. 21, 2024 /PRNewswire/ — Lufax Holding Ltd ("Lufax" or the "Company") (NYSE: LU and HKEX: 6623), a leading financial services enabler for small business owners in China, today announced its unaudited financial results for the second quarter ended June 30, 2024. Second Quarter 2024 & First Half 2024 Financial Highlights • Total income was RMB5,976 million (US$822 million) in the second quarter of 2024, compared to RMB9,270 million in the same ...

Lufax Holding (NYSE:LU) just reported results for the second quarter of 2024.Lufax Holding reported earnings per share of -19 cents.The company reported revenue of $822.36 million.InvestorPlace Earnings is a project that leverages data from TradeSmith to automate coverage of quarterly earnings reports. InvestorPlace Earnings distills key takeaways including earnings per share and revenue, as well as how a company stacks up to analyst estimates. These articles are published without human intervention, allowi ...

SHANGHAI, Aug. 21, 2024 /PRNewswire/ -- Lufax Holding Ltd ("Lufax" or the "Company") (NYSE: LU and HKEX: 6623), a leading financial services enabler for small business owners in China, today announced its unaudited financial results for the second quarter ended June 30, 2024.Second Quarter 2024 & First Half 2024 Financial HighlightsTotal income was RMB5,976 million (US$822 million) in the second quarter of 2024, compared to RMB9,270 million in the same period of 2023.Net loss was RMB730 million (US$100 mill ...

SHANGHAI, May 30, 2024 /PRNewswire/ -- Lufax Holding Ltd (NYSE: LU and HKEX: 6623), a leading financial services enabler for small business owners in China, today announced the results of its annual general meeting of shareholders held in Shanghai on May 30, 2024. At the meeting, the shareholders of Lufax approved, ratified and/or confirmed the following resolutions: To receive and adopt the audited consolidated financial statements of the Company for the year ended December 31, 2023 and the reports of the ...

SHANGHAI, April 23, 2024 /PRNewswire/ -- Lufax Holding Ltd ("Lufax" or the "Company") (NYSE: LU and HKEX: 6623), a leading financial services enabler for small business owners in China, today announced that it will hold an annual general meeting of the Company's shareholders (the "AGM") at 10:00 a.m. Hong Kong time on May 30, 2024 at Room 3601, No. 1333 Lujiazui Ring Road, Pudong New District, Shanghai, the People's Republic of China, for the purposes of considering and, if thought fit, passing each of the ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES ...