{"id":16788,"date":"2023-03-12T20:30:00","date_gmt":"2023-03-12T20:30:00","guid":{"rendered":"https:\/\/www.prnasia.com\/story\/archive\/4038750_CN38750_0"},"modified":"2023-03-12T20:30:00","modified_gmt":"2023-03-12T20:30:00","slug":"lufax-reports-fourth-quarter-and-full-year-2022-financial-results","status":"publish","type":"post","link":"https:\/\/transmediavictoria.net.au\/?p=16788","title":{"rendered":"Lufax Reports Fourth Quarter and Full Year 2022 Financial Results"},"content":{"rendered":"<p><span class=\"legendSpanClass\"><span class=\"xn-location\">SHANGHAI<\/span>, March 13, 2023 \/PRNewswire\/ &#8212; Lufax Holding Ltd (&#8220;Lufax&#8221; or the &#8220;Company&#8221;) (NYSE: LU), a leading financial services enabler for small business owners in <span class=\"xn-location\">China<\/span>, today announced its unaudited financial results for the fourth quarter and full year ended <span class=\"xn-chron\">December 31, 2022<\/span>.<\/span><\/p>\n<p><b>Fourth Quarter 2022 Financial Highlights<\/b><\/p>\n<ul type=\"disc\">\n<li>Total income decreased by 22.2% to <span class=\"xn-money\">RMB12,318 million<\/span> (<span class=\"xn-money\">US$1,786 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB15,831 million<\/span> in the same period of 2021.<\/li>\n<li>Net loss was <span class=\"xn-money\">RMB806 million<\/span> (<span class=\"xn-money\">US$117 million<\/span>) in the fourth quarter of 2022, compared to net profit of <span class=\"xn-money\">RMB2,896 million<\/span> in the same period of 2021.<\/li>\n<\/ul>\n<div align=\"center\">\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" class=\"prnbcc\">\n<tbody readability=\"8.5\">\n<tr readability=\"13.5\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\">&nbsp;(In millions except percentages, unaudited)<\/span><\/p>\n<\/td>\n<td class=\"prngen3\" colspan=\"4\" rowspan=\"1\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Three Months Ended<br \/>December 31,<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen3\" colspan=\"4\" rowspan=\"1\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Twelve Months Ended<br \/>December 31,<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen6\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen6\" colspan=\"2\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2022<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen7\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen8\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>YoY<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen7\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen6\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen7\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prnpr10 prnpl2 prnvab prntac prncbts prnrbrb1 prnbbbs prnsblb1\" colspan=\"2\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2022<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen8\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>YoY<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Total income<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">15,831<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">12,318<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,786<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(22.2&nbsp;%)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">61,835<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">58,116<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,426<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(6.0&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Total expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(11,492)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(12,922)<\/span><\/p>\n<\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,874)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">12.4&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(38,435)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(45,102)<\/span><\/p>\n<\/td>\n<td class=\"prngen12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(6,539)<\/span><\/p>\n<\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">17.3&nbsp;%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"6\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"7\">\n<p class=\"prnml10\"><span class=\"prnews_span\">Total expenses excluding credit and asset impairment losses, <br \/>&nbsp;financial costs and other gains\/(losses) &#8211; net<\/span><\/p>\n<\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(8,302)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(6,574)<\/span><\/p>\n<\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(953)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(20.8&nbsp;%)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(30,194)<\/span><\/p>\n<\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(26,889)<\/span><\/p>\n<\/td>\n<td class=\"prngen12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(3,899)<\/span><\/p>\n<\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(10.9&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">&nbsp; &nbsp;Credit and asset impairment losses<\/span><\/p>\n<\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(3,222)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(6,266)<\/span><\/p>\n<\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(908)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">94.5&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(7,745)<\/span><\/p>\n<\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(16,978)<\/span><\/p>\n<\/td>\n<td class=\"prngen12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(2,462)<\/span><\/p>\n<\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">119.2&nbsp;%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">&nbsp; &nbsp;Financial costs and other gains\/(losses) &#8211; net<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">32<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(82)<\/span><\/p>\n<\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(12)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(356.3&nbsp;%)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(496)<\/span><\/p>\n<\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,236)<\/span><\/p>\n<\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(179)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">149.2&nbsp;%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Net profit\/(loss)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,896<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(806)<\/span><\/p>\n<\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(117)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(127.8&nbsp;%)<\/span><\/p>\n<\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">16,709<\/span><\/p>\n<\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,775<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,272<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(47.5&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><b>Fourth Quarter 2022 Operational Highlights<\/b><\/p>\n<ul type=\"disc\">\n<li>Outstanding balance of loans enabled decreased by 12.8% to <span class=\"xn-money\">RMB576.5 billion<\/span> as of <span class=\"xn-chron\">December 31, 2022<\/span> from <span class=\"xn-money\">RMB661.0 billion<\/span> as of <span class=\"xn-chron\">December 31, 2021<\/span>.<\/li>\n<li>Cumulative number of borrowers increased by 12.9% to approximately 19.0 million as of <span class=\"xn-chron\">December 31, 2022<\/span> from approximately 16.8 million as of <span class=\"xn-chron\">December 31, 2021<\/span>.<\/li>\n<li>New loans enabled decreased by 48.7% to <span class=\"xn-money\">RMB77.8 billion<\/span> in the fourth quarter of 2022 from <span class=\"xn-money\">RMB151.6 billion<\/span> in the same period of 2021.<\/li>\n<li>During the fourth quarter of 2022, excluding the consumer finance subsidiary, the Company bore risk on 22.2% of its new loans enabled, up from 20.8% in the same period of 2021.<\/li>\n<li>As of <span class=\"xn-chron\">December 31, 2022<\/span>, including the consumer finance subsidiary, the Company bore risk on 23.5% of its outstanding balance, up from 16.6% as of <span class=\"xn-chron\">December 31, 2021<\/span>. Credit enhancement partners bore risk on 72.6% of outstanding balance, among which Ping An P&amp;C accounted for a majority.<\/li>\n<li>For the fourth quarter of 2022, the Company&#8217;s retail credit enablement business take rate<sup>[1]<\/sup> based on loan balance was 7.7%, as compared to 9.0% for the fourth quarter of 2021.<\/li>\n<li>C-M3 flow rate<sup>[2]<\/sup> for the total loans the Company had enabled was 1.0% in the fourth quarter of 2022, as compared to 0.8% in the third quarter of 2022. Flow rates for the general unsecured loans and secured loans the Company had enabled were 1.1% and 0.6%, respectively, in the fourth quarter of 2022, as compared to 0.9% and 0.4%, respectively, in the third quarter of 2022.<\/li>\n<li>Days past due (&#8220;DPD&#8221;) 30+ delinquency rate<sup>[3]<\/sup>&nbsp;for the total loans the Company had enabled was 4.6% as of <span class=\"xn-chron\">December 31, 2022<\/span>, as compared to 3.6% as of <span class=\"xn-chron\">September 30, 2022<\/span>. DPD 30+ delinquency rate for general unsecured loans was 5.2% as of <span class=\"xn-chron\">December 31, 2022<\/span>, as compared to 4.2% as of <span class=\"xn-chron\">September 30, 2022<\/span>. DPD 30+ delinquency rate for secured loans was 2.6% as of <span class=\"xn-chron\">December 31, 2022<\/span>, as compared to 1.6% as of <span class=\"xn-chron\">September 30, 2022<\/span>.<\/li>\n<li>DPD 90+ delinquency rate<sup>[4]<\/sup>&nbsp;for the total loans enabled was 2.6% as of <span class=\"xn-chron\">December 31, 2022<\/span>, as compared to 2.1% as of <span class=\"xn-chron\">September 30, 2022<\/span>. DPD 90+ delinquency rate for general unsecured loans was 3.0% as of <span class=\"xn-chron\">December 31, 2022<\/span>, as compared to 2.4% as of <span class=\"xn-chron\">September 30, 2022<\/span>. DPD 90+ delinquency rate for secured loans was 1.2% as of <span class=\"xn-chron\">December 31, 2022<\/span>, as compared to 0.9% as of <span class=\"xn-chron\">September 30, 2022<\/span>.<\/li>\n<\/ul>\n<p>Mr. <span class=\"xn-person\">YongSuk Cho<\/span>, Chairman and Chief Executive Officer of Lufax, commented, &#8220;Operating conditions in the fourth quarter were especially challenging, with the adverse macroeconomic environment particularly impacting our core SMB customers. We responded by optimizing our operations to be more agile and efficient, and by prioritizing asset quality over growth through more stringent customer selection. Our focus also includes optimizing credit enhancement approaches to provide further support to our operating margins and business sustainability in the medium term. At the same time, we continued to grow our consumer finance business. As a result, our outstanding balance of consumer finance loans grew from <span class=\"xn-money\">RMB3.6 billion<\/span> as of <span class=\"xn-chron\">December 31, 2020<\/span> to <span class=\"xn-money\">RMB29.7 billion<\/span> as of <span class=\"xn-chron\">December 31, 2022<\/span>, and our number of borrowers with outstanding consumer finance loans increased from 168,000 as of <span class=\"xn-chron\">December 31, 2020<\/span> to 1.3 million as of <span class=\"xn-chron\">December 31, 2022<\/span>. While there remain uncertainties ahead, we see signs of the green shoots of recovery, heightening our confidence in an economic upturn in the quarters to come. Boosted by this macro backdrop, an increasingly stabilized regulatory environment, and our strong capital position, we remain confident that our upgraded strategy and resilient business model will drive our U-shaped recovery and deliver long-term shareholder value.&#8221;<\/p>\n<p>Mr. <span class=\"xn-person\">Gregory Gibb<\/span>, Co-Chief Executive Officer of Lufax, commented, &#8220;Macro-related headwinds drove a spike in credit impairment losses, adversely impacting our fourth quarter results. We continued executing on our geographically differentiated strategy, focusing on those regions demonstrating more economic resilience, and realizing a greater contribution in new loan volumes from these regions. At the same time, we further strengthened our business model by enhancing efficiencies, optimizing our channel mix, and fine-tuning our sales force. Furthermore, in addition to the joint credit enhancement model where we provide credit enhancement together with our partners, we engaged fruitfully with some of our funding partners regarding the implementation of a more optimized risk-bearing model where our guarantee company provides full provision of credit enhancement. Our recently launched SBO ecosystem is generating promising growth momentum, with 130,000 C-end customers and <span class=\"xn-money\">120,000 B<\/span>-end customers at the end of 2022, and a five-fold growth in registered customers in the first two months of this year. While significant uncertainty remains as to the pace of macroeconomic revival, we are confident of our U-shaped recovery in the medium term. During this process, we will patiently wait for rejuvenation of the SMB sector, prudently implement new risk strategies, entrench lessons learned during the pandemic, and be fully prepared to capture new business as the economy rebounds. Finally, to deliver greater value to our shareholders and thank them for their continued support, we will distribute a cash dividend for the second half of 2022.&#8221;<\/p>\n<p>Mr. <span class=\"xn-person\">David Choy<\/span>, Chief Financial Officer of Lufax, commented, &#8220;As macro volatilities and uncertainties persisted, we forged ahead with strategic initiatives to strengthen our business model and optimize costs. Bolstered by these efforts, in the fourth quarter of 2022, we successfully reduced our operating-related expenses by 20.8% on a year-over-year basis. Our balance sheet remains solid, with our cash at bank balance increasing year over year to <span class=\"xn-money\">RMB43.9 billion<\/span>. Furthermore, liquid assets maturing in 90 days or less amounted to <span class=\"xn-money\">RMB49.9 billion<\/span> as of <span class=\"xn-chron\">December 31, 2022<\/span>. Our guarantee subsidiary had net assets of <span class=\"xn-money\">RMB47.9<\/span> billion&nbsp;and its leverage ratio remained steady at 2.0x as of the end of <span class=\"xn-chron\">December 2022<\/span>, compared to a regulatory allowance of 10x, providing us with ample operational flexibility. Looking ahead, we remain confident in the resilience of our business model and our ability to create greater sustainable value for our shareholders.&#8221;<\/p>\n<p><b>Fourth Quarter 2022 Financial Results<\/b><\/p>\n<p><b>TOTAL INCOME<\/b><\/p>\n<p>Total income decreased by 22.2% to <span class=\"xn-money\">RMB12<\/span>,318&nbsp;million (<span class=\"xn-money\">US$1,786 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB15,831 million<\/span> in the same period of 2021. The Company&#8217;s total income mix changed with the evolution of its business model, as it gradually bore more credit risk.<\/p>\n<div align=\"center\">\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" class=\"prnbcc\">\n<tbody readability=\"5\">\n<tr readability=\"4.5\">\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen3\" colspan=\"5\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Three Months Ended December 31,<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prnpr10 prnpl2 prnvab prnsbtb1 prnrbrb1 prnbbbs prnsblb1\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\">&nbsp;(In millions except percentages, unaudited)&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen6\" colspan=\"2\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen6\" colspan=\"2\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2022<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen3\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>YoY<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>% of income<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>% of income<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen5\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Technology platform-based income<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,836<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">55.8&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">5,874<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">47.7&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(33.5&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Net interest income<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,234<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">26.7&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,369<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">35.5&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3.2&nbsp;%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Guarantee income<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,635<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">10.3&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,671<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">13.6&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2.2&nbsp;%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Other income<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">769<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4.9&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">131<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1.1&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(83.0&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Investment income<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">359<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2.3&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">275<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2.1&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(23.4&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Share of net profits of investments accounted for using the equity method<\/span><\/p>\n<\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(2)<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">0.0&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen11\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(2)<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">0.0&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">0.0&nbsp;%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Total income<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">15,831<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">100.0&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">12,318<\/span><\/p>\n<\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">100.0&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen4\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(22.2&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<ul type=\"disc\">\n<li><b><i>Technology platform-based income<\/i><\/b> decreased by 33.5% to <span class=\"xn-money\">RMB5,874 million<\/span> (<span class=\"xn-money\">US$852 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB8,836 million<\/span> in the same period of 2021 due to 1) the decrease of retail credit service fees driven by the decrease in new loan sales and a lower take rate and <span id=\"spanHghltc897\">2)<\/span> the decrease of referral and other technology platform-based income driven by the decrease in transaction volume.<\/li>\n<li><b><i>Net interest income<\/i><\/b> increased by 3.2% to <span class=\"xn-money\">RMB4,369 million<\/span> (<span class=\"xn-money\">US$633 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB4,234 million<\/span> in the same period of 2021, mainly due to the increase in consumer finance loans, partially offset by the decrease in net interest income from trust plans.<\/li>\n<li><b><i>Guarantee income<\/i><\/b> increased by 2.2% to <span class=\"xn-money\">RMB1,671 million<\/span> (<span class=\"xn-money\">US$242 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB1,635 million<\/span> in the same period of 2021, primarily due to the increase in the loans for which the Company bore credit risk.<\/li>\n<li><b><i>Other income<\/i><\/b> was <span class=\"xn-money\">RMB131 million<\/span> (<span class=\"xn-money\">US$19 million<\/span>) in the fourth quarter of 2022, compared to <span class=\"xn-money\">RMB769 million<\/span> in the same period of 2021, mainly due to the change of fee structure that the Company charged to its primary credit enhancement partner.<\/li>\n<li><b><i>Investment income<\/i><\/b> decreased to <span class=\"xn-money\">RMB275 million<\/span> (<span class=\"xn-money\">US$40 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB359 million<\/span> in the same period of 2021, mainly due to the decrease of investment assets.<\/li>\n<\/ul>\n<p><b>TOTAL EXPENSES<\/b><\/p>\n<p>Total expenses increased by 12.4% to <span class=\"xn-money\">RMB12<\/span>,922&nbsp;million (<span class=\"xn-money\">US$1,874 million<\/span>)&nbsp;in the fourth quarter of 2022 from <span class=\"xn-money\">RMB11,492 million<\/span> in the same period of 2021. This increase was mainly driven by credit impairment losses, since credit impairment losses increased by 147.1% to <span class=\"xn-money\">RMB6,259 million<\/span> (<span class=\"xn-money\">US$907 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB2,533 million<\/span> in the same period of 2021.&nbsp;Total expenses excluding credit impairment losses, asset impairment losses, finance costs and other (gains)\/losses decreased by 20.8% to <span class=\"xn-money\">RMB6,574 million<\/span> (<span class=\"xn-money\">US$953 million<\/span>)&nbsp;in the fourth quarter of 2022 from <span class=\"xn-money\">RMB8,302 million<\/span> in the same period of 2021.<\/p>\n<div align=\"center\">\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" class=\"prnbcc\">\n<tbody readability=\"8\">\n<tr readability=\"4.5\">\n<td class=\"prngen14\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen15\" colspan=\"5\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Three Months Ended December 31,<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\"><\/td>\n<td class=\"prnpr10 prnpl2 prnvam prnsbtb1 prnrbrb1 prnbbbs prnsblb1\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen18\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\">&nbsp;(In millions except percentages, unaudited)&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen19\" colspan=\"2\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen19\" colspan=\"2\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2022<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen15\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>YoY<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen14\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>% of income<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>% of income<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen14\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen18\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Sales and marketing expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,835<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">30.5&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3,706<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">30.1&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(23.4&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen18\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">General and administrative expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">971<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">6.1&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">750<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">6.1&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(22.8&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen18\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Operation and servicing expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,900<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">12.0&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,659<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">13.5&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen14\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(12.7&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen18\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Technology and analytics expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">597<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3.8&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">458<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3.7&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(23.3&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen18\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Credit impairment losses <\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,533<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">16.0&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">6,259<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">50.8&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">147.1&nbsp;%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen18\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Asset impairment losses<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">689<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4.4&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">7<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">0.1&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(99.0&nbsp;%)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen18\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Finance costs<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">267<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1.7&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">501<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4.1&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">87.6&nbsp;%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen18\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Other (gains)\/losses &#8211; net<\/span><\/p>\n<\/td>\n<td class=\"prngen21\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(300)<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1.9&nbsp;%)<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen21\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(419)<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(3.4&nbsp;%)<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">39.7&nbsp;%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen18\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Total expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">11,492<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">72.6&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">12,922<\/span><\/p>\n<\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">105.0&nbsp;%<\/span><\/p>\n<\/td>\n<td class=\"prngen16\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen20\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">12.4&nbsp;%<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<ul type=\"disc\">\n<li><b><i>Sales and marketing expenses <\/i><\/b>decreased by 23.4% to <span class=\"xn-money\">RMB3,706 million<\/span> (<span class=\"xn-money\">US$537 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB4,835 million<\/span> in the same period of 2021. The decrease was mainly due to 1) decreased new loan sales and reductions in commissions; 2) decreased investor acquisition and retention expenses and referral expenses from platform service driven by decreased transaction volume, and 3) decreased general sales and marketing expenses driven by the decrease in new loan sales.<\/li>\n<li><b><i>General and administrative expenses<\/i><\/b> decreased by 22.8% to <span class=\"xn-money\">RMB750 million<\/span> (<span class=\"xn-money\">US$109 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB971 million<\/span> in the same period of 2021 as a result of decreased personnel expenses.<\/li>\n<li><b><i>Operation and servicing expenses<\/i><\/b> decreased by 12.7% to <span class=\"xn-money\">RMB1,659 million<\/span> (<span class=\"xn-money\">US$241 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB1,900 million<\/span> in the same period of 2021, primarily due to the Company&#8217;s expense control measures and decrease of loan balance and new loan sales.<\/li>\n<li><b><i>Technology and analytics expenses<\/i><\/b> decreased by 23.3% to <span class=\"xn-money\">RMB458 million<\/span> (<span class=\"xn-money\">US$66 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB597 million<\/span> in the same period of 2021 as a result of the Company&#8217;s improved efficiency.<\/li>\n<li><b><i>Credit impairment losses<\/i><\/b> increased by 147.1% to <span class=\"xn-money\">RMB6,259 million<\/span> (<span class=\"xn-money\">US$907 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB2,533 million<\/span> in the same period of 2021, mainly driven by the increase of provision and indemnity losses as a result of 1) increased risk exposure, resulting from the Company, including the consumer finance subsidiary, bearing risk on 23.5% of its outstanding balance as of <span class=\"xn-chron\">December 31, 2022<\/span>, up from 16.6% as of <span class=\"xn-chron\">December 31, 2021<\/span>, and 2) worsening credit performance due in large part to the challenging macroeconomic environment.<\/li>\n<li><b><i>Asset impairment losses<\/i> <\/b>decreased by 99.0% to <span class=\"xn-money\">RMB7 million<\/span> (<span class=\"xn-money\">US$1 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB689 million<\/span> in the same period of 2021, mainly due to the higher base of impairment loss in the fourth quarter of 2021 driven by impairment loss of intangible assets.<\/li>\n<li><b><i>Finance costs<\/i><\/b> increased by 87.6% to <span class=\"xn-money\">RMB501 million<\/span> (<span class=\"xn-money\">US$73 million<\/span>) in the fourth quarter of 2022 from <span class=\"xn-money\">RMB267 million<\/span> in the same period of 2021, mainly due to interest costs related to early repayment of <span class=\"xn-person\">Ping An<\/span> group convertible notes.<\/li>\n<li><b><i>Other gains <\/i><\/b>were <span class=\"xn-money\">RMB419 million<\/span> (<span class=\"xn-money\">US$61 million<\/span>) in the fourth quarter of 2022, compared to <span class=\"xn-money\">RMB300 million<\/span> in the same period of 2021, mainly due to the increase in government subsidies.<\/li>\n<\/ul>\n<div>\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" class=\"prnbcc\">\n<tbody readability=\"12\">\n<tr readability=\"12\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"11\">\n<p class=\"prnml4\"><span class=\"prnews_span\">[1]&nbsp;The take rate of retail credit enablement business is calculated by dividing the aggregated amount of loan enablement service fees, post-origination service fees, net interest income, guarantee income and the penalty fees and account management fees by the average outstanding balance of loans enabled for each period.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"12\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"11\">\n<p class=\"prnml4\"><span class=\"prnews_span\">[2]&nbsp;Flow rate estimates the percentage of current loans that will become non-performing at the end of three months, and is defined as the product of (i) the loan balance that is overdue from 1 to 29 days as a percentage of the total current loan balance of the previous month, (ii) the loan balance that is overdue from 30 to 59 days as a percentage of the loan balance that was overdue from 1 to 29 days in the previous month, and (iii) the loan balance that is overdue from 60 to 89 days as a percentage of the loan balance that was overdue from 30 days to 59 days in the previous month. Loans from legacy products and consumer finance subsidiary are excluded from the flow rate calculation.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"6\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"7\">\n<p class=\"prnml4\"><span class=\"prnews_span\">[3]&nbsp;DPD 30+ delinquency rate refers to the outstanding balance of loans for which any payment is 30 to 179 calendar days past due divided by the outstanding balance of loans. Loans from legacy products and consumer finance subsidiary are excluded from the calculation.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"6\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"7\">\n<p class=\"prnml4\"><span class=\"prnews_span\">[4]&nbsp;DPD 90+ delinquency rate refers to the outstanding balance of loans for which any payment is 90 to 179 calendar days past due divided by the outstanding balance of loans. Loans from legacy products and consumer finance subsidiary are excluded from the calculation.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><b>NET LOSS<\/b><\/p>\n<p>Net loss was <span class=\"xn-money\">RMB806 million<\/span> (<span class=\"xn-money\">US$117 million<\/span>) in the fourth quarter of 2022, compared to net profit of <span class=\"xn-money\">RMB2,896 million<\/span> in the same period of 2021, driven by&nbsp;the aforementioned factors.<\/p>\n<p><b><span id=\"spanHghltad19\">LOSS<\/span> PER ADS<\/b><\/p>\n<p>Basic and diluted <span id=\"spanHghltee88\">loss<\/span> per American Depositary Share (&#8220;ADS&#8221;) were both <span class=\"xn-money\">RMB0.36<\/span> <span class=\"xn-money\">(US$0.05)<\/span> in the fourth quarter of 2022.<\/p>\n<p><b>BALANCE SHEET<\/b><\/p>\n<p>The Company had <span class=\"xn-money\">RMB43,882 million<\/span> (<span class=\"xn-money\">US$6,362 million<\/span>) in cash at bank as of <span class=\"xn-chron\">December 31, 2022<\/span>, as compared to <span class=\"xn-money\">RMB34,743 million<\/span> as of <span class=\"xn-chron\">December 31, 2021<\/span>. Net assets of the Company amounted to <span class=\"xn-money\">RMB94,787 million<\/span> (<span class=\"xn-money\">US$13,743 million<\/span>) as of <span class=\"xn-chron\">December 31, 2022<\/span>, as compared to <span class=\"xn-money\">RMB94,559 million<\/span> as of <span class=\"xn-chron\">December 31, 2021<\/span>.<\/p>\n<p><b>Recent Developments\u00ad<\/b><\/p>\n<p><i>Change in Semi-Annual Dividend Policy<\/i><\/p>\n<p>The Company&#8217;s board of directors (the &#8220;Board&#8221;) has approved a revised semi-annual cash dividend policy to replace its existing dividend policy. Under the revised dividend policy, starting from 2023, the Company will declare and distribute a recurring cash dividend semi-annually in which the aggregate amount of the semi-annual dividend distributions for each year is equivalent to approximately 20% to 40% of the Company&#8217;s net profit in such fiscal year, or as otherwise authorized by the Board. The determination to make dividend distributions and the exact amount of such distributions in any particular semi-annual period will be based upon the Company&#8217;s operations and earnings, cash flow, financial condition, and other relevant factors, and subject to adjustment and determination by the Board.<\/p>\n<p><i>Declaration of Semi-Annual Dividend<\/i><\/p>\n<p>The Board has approved a cash dividend of <span class=\"xn-money\">US$0.10<\/span> per ordinary share for the six-month period ended <span class=\"xn-chron\">December 31, 2022<\/span>, on the Company&#8217;s outstanding shares to shareholders of record as of the close of trading on the New York Stock Exchange on <span class=\"xn-chron\">April 7, 2023<\/span>. Holders of ADSs, each two ADSs representing one ordinary share, will accordingly be entitled to a cash dividend of <span class=\"xn-money\">US$0.05<\/span> per ADS, subject to the payment of applicable depositary fees. The depositary, Citibank, N.A., will distribute the dividend to holders of ADSs on or about <span class=\"xn-chron\">April 21, 2023<\/span>.<\/p>\n<p><b>Conference Call Information<\/b><\/p>\n<p>The Company&#8217;s management will hold an earnings conference call at <span class=\"xn-chron\">9:00 P.M.<\/span> U.S. Eastern Time on <span class=\"xn-chron\">Sunday, March 12, 2023<\/span> (<span class=\"xn-chron\">9:00 A.M.<\/span> Beijing Time on <span class=\"xn-chron\">Monday, March 13, 2023<\/span>) to discuss the financial results. For participants who wish to join the call, please complete online registration using the link provided below in advance of the conference call. Upon registering, each participant will receive a set of participant dial-in numbers, the Direct Event passcode, and a unique access PIN, which can be used to join the conference call.<\/p>\n<p><b>Registration Link:<\/b>&nbsp;<a href=\"https:\/\/www.netroadshow.com\/events\/login?show=9fbea766&amp;confId=48030\" target=\"_blank\" rel=\"nofollow noopener\">https:\/\/www.netroadshow.com\/events\/login?show=9fbea766&amp;confId=48030<\/a><\/p>\n<p>A replay of the conference call will be accessible through <span class=\"xn-chron\">March 20, 2023<\/span> (dial-in numbers: +1 (866) 813-9403 or +1 (929) 458-6194; replay access code: 569250). A live and archived webcast of the conference call will also be available at the Company&#8217;s investor relations website at <a href=\"https:\/\/ir.lufaxholding.com\/\" target=\"_blank\" rel=\"nofollow noopener\">https:\/\/ir.lufaxholding.com<\/a>.<\/p>\n<p><b>About Lufax<\/b><\/p>\n<p>Lufax Holding Ltd is a leading financial services enabler for small business owners in <span class=\"xn-location\">China<\/span>. The Company offers tailor-made financing products to small business owners and other high-quality borrowers to address their large unmet needs. In doing so, the Company has established relationships with over 550 financial institutions in <span class=\"xn-location\">China<\/span>, many of which have worked with the Company for over three years. These financial institutions provide funding and credit enhancement for the loans the Company enables as well as other products to enrich the small business owner ecosystem that the Company is creating.<\/p>\n<p><b>Exchange Rate Information<\/b><\/p>\n<p>This announcement contains translations of certain RMB amounts into U.S. dollars at a specified rate solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to U.S. dollars are made at a rate of <span class=\"xn-money\">RMB6.8972<\/span> to <span class=\"xn-money\">US$1.00<\/span>, the rate in effect as of <span class=\"xn-chron\">December 31, 2022<\/span>, as certified for customs purposes by the Federal Reserve Bank of <span class=\"xn-location\">New York<\/span>.<\/p>\n<p><b>Safe Harbor Statement<\/b><\/p>\n<p>This announcement contains forward-looking statements. These statements are made under the &#8220;safe harbor&#8221; provisions of the United States Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as &#8220;will,&#8221; &#8220;expects,&#8221; &#8220;anticipates,&#8221; &#8220;future,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;believes,&#8221; &#8220;estimates&#8221; and similar statements. Statements that are not historical facts, including statements about Lufax&#8217;s beliefs and expectations, are forward-looking statements. Lufax has based these forward-looking statements largely on its current expectations and projections about future events and financial trends, which involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond the Company&#8217;s control. These forward-looking statements include, but are not limited to, statements about Lufax&#8217;s goals and strategies; Lufax&#8217;s future business development, financial condition and results of operations; expected changes in Lufax&#8217;s income, expenses or expenditures; expected growth of the retail credit enablement; Lufax&#8217;s expectations regarding demand for, and market acceptance of, its services; Lufax&#8217;s expectations regarding its relationship with borrowers, platform investors, funding sources, product providers and other business partners; general economic and business conditions; and government policies and regulations relating to the industry Lufax operates in. Forward-looking statements involve inherent risks and uncertainties. Further information regarding these and other risks is included in Lufax&#8217;s filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and Lufax does not undertake any obligation to update any forward-looking statement, except as required under applicable law.<\/p>\n<p><b>Investor Relations Contact<\/b><\/p>\n<p>Lufax Holding Ltd<br \/>Email: <a href=\"mailto:Investor_Relations@lu.com\" target=\"_blank\" rel=\"nofollow noopener\">Investor_Relations@lu.com<\/a><\/p>\n<p>ICR, LLC<br \/><span class=\"xn-person\">Robin Yang<\/span><br \/>Tel: +1 (646) 308-0546<br \/>Email: lufax.ir@icrinc<\/p>\n<div align=\"center\">\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" class=\"prnbcc\">\n<tbody readability=\"23\">\n<tr>\n<td class=\"prngen10\" colspan=\"12\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>LUFAX HOLDING LTD<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen10\" colspan=\"12\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>UNAUDITED INTERIM CONDENSED CONSOLIDATED INCOME STATEMENTS<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"6\">\n<td class=\"prngen10\" colspan=\"12\" rowspan=\"1\" readability=\"7\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(All amounts in thousands, except share data, or otherwise noted)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"5\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"5\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"5\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"5\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr readability=\"9\">\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen3\" colspan=\"5\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Three Months Ended December 31,<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen3\" colspan=\"5\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Twelve Months Ended December 31,<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen23\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen23\" colspan=\"3\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2022<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen23\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen23\" colspan=\"3\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2022<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Technology platform-based income<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,836,164<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">5,874,337<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">851,699<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">38,294,317<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">29,218,432<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,236,274<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Net interest income<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,234,114<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,369,470<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">633,514<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">14,174,231<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">18,981,376<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,752,041<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Guarantee income<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,634,938<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,670,743<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">242,235<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,370,342<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">7,372,509<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,068,913<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Other income<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">769,097<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">130,927<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">18,983<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3,875,407<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,238,004<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">179,494<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Investment income<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">358,866<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">274,594<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">39,812<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,151,753<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,305,625<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">189,298<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Share of net profits of investments accounted for<br \/>using the equity method<\/span><\/p>\n<\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,725)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,733)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(251)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(31,143)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(218)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(32)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Total income<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>15,831,454<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>12,318,338<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prnpr4 prnpl2 prnvab prnsbtb1 prnrbrb1 prnbbbs prnsblb1\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>1,785,991<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>61,834,907<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>58,115,728<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>8,425,989<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Sales and marketing expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(4,834,811)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(3,706,378)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(537,374)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(17,993,072)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(15,756,916)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(2,284,538)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">General and administrative expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(970,864)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(750,422)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(108,801)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(3,559,323)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(2,830,119)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(410,329)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Operation and servicing expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,899,665)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,659,300)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(240,576)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(6,557,595)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(6,429,862)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(932,242)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Technology and analytics expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(596,647)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(457,569)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(66,341)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(2,083,994)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,872,454)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(271,480)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Credit impairment losses <\/span><\/p>\n<\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(2,532,985)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(6,258,530)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(907,402)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(6,643,727)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(16,550,465)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(2,399,592)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Asset impairment losses<\/span><\/p>\n<\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(689,286)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(7,101)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,030)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,100,882)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(427,108)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(61,925)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Finance costs<\/span><\/p>\n<\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(267,359)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(501,042)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(72,644)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(995,515)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,238,992)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(179,637)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Other gains\/(losses) &#8211; net<\/span><\/p>\n<\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">299,807<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">418,781<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">60,718<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">499,379<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3,459<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">502<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Total expenses<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(11,491,810)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(12,921,561)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(1,873,450)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(38,434,729)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(45,102,457)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(6,539,242)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Profit\/(loss) before income tax expenses<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,339,644<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(603,223)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(87,459)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">23,400,178<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">13,013,271<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,886,747<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Income tax expenses<\/span><\/p>\n<\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,443,350)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(202,712)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(29,390)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(6,691,118)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(4,238,232)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(614,486)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Net profit\/(loss) for the period<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2,896,294<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(805,935)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(116,850)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>16,709,060<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>8,775,039<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>1,272,261<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Net profit\/(loss) attributable to: <\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Owners of the Group<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,906,087<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(815,292)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(118,206)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">16,804,380<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,699,369<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,261,290<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Non-controlling interests<\/span><\/p>\n<\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(9,793)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">9,357<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,357<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(95,320)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">75,670<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">10,971<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Net profit\/(loss) for the period<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2,896,294<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen30\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(805,935)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen30\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(116,850)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>16,709,060<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>8,775,039<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>1,272,261<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Earnings\/(loss) per share<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">-Basic earnings\/(loss) per share<\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2.51<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen30\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(0.71)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen30\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(0.10)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">14.22<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">7.60<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1.10<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">-Diluted earnings\/(loss) per share<\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2.42<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen30\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(0.71)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen30\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(0.10)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">13.38<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">7.58<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1.10<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">-Basic earnings\/(loss) per ADS<\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1.26<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen30\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(0.36)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen30\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(0.05)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">7.11<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3.80<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">0.55<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">-Diluted earnings\/(loss) per ADS<\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1.21<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen30\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(0.36)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen30\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(0.05)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">6.69<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3.79<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">0.55<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<div align=\"center\">\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" class=\"prnbcc\">\n<tbody readability=\"18\">\n<tr>\n<td class=\"prngen10\" colspan=\"6\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>LUFAX HOLDING LTD<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen10\" colspan=\"6\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>UNAUDITED INTERIM CONDENSED CONSOLIDATED BALANCE SHEETS<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"6\">\n<td class=\"prngen10\" colspan=\"6\" rowspan=\"1\" readability=\"7\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(All amounts in thousands, except share data, or otherwise noted)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"3\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"3\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen3\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>As of December 31,<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen3\" colspan=\"3\" rowspan=\"1\" nowrap=\"nowrap\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>As of December 31,<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen23\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen23\" colspan=\"3\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2022<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Assets<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Cash at bank<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">34,743,188<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">43,882,127<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">6,362,310<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Restricted cash<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">30,453,539<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">26,508,631<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3,843,390<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Financial assets at fair value through profit or loss<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">31,023,211<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">29,089,447<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,217,573<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Financial assets at amortized cost<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3,784,613<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,716,448<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">683,821<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Financial assets purchased under reverse repurchase agreements<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">5,527,177<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Accounts and other receivables and contract assets<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">22,344,773<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">15,758,135<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,284,715<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Loans to customers<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">214,972,110<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">211,446,645<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">30,656,882<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Deferred tax assets<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,873,370<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,990,352<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">723,533<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Property and equipment<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">380,081<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">322,499<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">46,758<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Investments accounted for using the equity method<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">459,496<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">39,271<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">5,694<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Intangible assets<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">899,406<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">885,056<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">128,321<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Right-of-use assets<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">804,990<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">754,010<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">109,321<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Goodwill<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,918,108<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,911,445<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,292,038<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Other assets<\/span><\/p>\n<\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,249,424<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,958,741<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">283,991<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Total assets<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>360,433,486<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>349,262,807<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>50,638,347<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Liabilities <\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Payable to platform users<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,747,891<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,569,367<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">227,537<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Borrowings<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">25,927,417<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">36,915,513<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">5,352,246<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Bond payable<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,143,348<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">302,354<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Current income tax liabilities<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,222,684<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,987,443<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">288,152<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Accounts and other payables and contract liabilities<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,814,255<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">12,198,654<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,768,639<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Payable to investors of consolidated structured entities<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">195,446,140<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">177,147,726<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">25,684,006<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Financial guarantee liabilities<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,697,109<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">5,763,369<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">835,610<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Deferred tax liabilities<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">833,694<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">694,090<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">100,634<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Lease liabilities<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">794,544<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">748,807<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">108,567<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Convertible promissory note payable<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">10,669,498<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">5,164,139<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">748,730<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Optionally convertible promissory notes<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">7,405,103<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,142,908<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,180,611<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Other liabilities<\/span><\/p>\n<\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,315,948<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,000,768<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">290,084<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Total liabilities<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>265,874,283<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>254,476,132<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>36,895,571<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Equity<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Share capital<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">75<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">75<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">11<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Share premium<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">33,365,786<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">32,073,874<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,650,275<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Treasury shares<\/span><\/p>\n<\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(5,560,104)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(5,642,769)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(818,125)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Other reserves<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">9,304,995<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,158,432<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">312,943<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Retained earnings<\/span><\/p>\n<\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">55,942,943<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">64,600,234<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">9,366,154<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Total equity attributable to owners of the Company<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>93,053,695<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>93,189,846<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>13,511,258<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Non-controlling interests<\/span><\/p>\n<\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,505,508<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,596,829<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">231,518<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Total equity<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>94,559,203<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>94,786,675<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>13,742,776<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Total liabilities and equity<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>360,433,486<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>349,262,807<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>50,638,347<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<div align=\"center\">\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" class=\"prnbcc\">\n<tbody readability=\"13\">\n<tr>\n<td class=\"prngen10\" colspan=\"12\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>LUFAX HOLDING LTD<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen10\" colspan=\"12\" rowspan=\"1\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>UNAUDITED INTERIM CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"6\">\n<td class=\"prngen10\" colspan=\"12\" rowspan=\"1\" readability=\"7\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>(All amounts in thousands, except share data, or otherwise noted)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"5\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"5\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"5\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen22\" colspan=\"5\" rowspan=\"1\"><\/td>\n<\/tr>\n<tr readability=\"9\">\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen3\" colspan=\"5\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Three Months Ended December 31,<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen3\" colspan=\"5\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"6\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>Twelve Months Ended December 31,<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen23\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen23\" colspan=\"3\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2022<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen23\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen23\" colspan=\"3\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>2022<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen10\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Net cash generated from\/(used in)<\/span><span class=\"prnews_span\"> <\/span><span class=\"prnews_span\">operating activities<\/span><\/p>\n<\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(629,561)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,823,634<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">699,361<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,987,472<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,455,301<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">645,958<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Net <\/span><span class=\"prnews_span\">cas<\/span><span class=\"prnews_span\">h generated from\/(used in) investing activities<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,949,461<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,063,535<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">154,198<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">313,822<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,447,678<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">1,224,798<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Net cash generated from\/(used in) financing activities <\/span><\/p>\n<\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,631,703)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(7,075,240)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,025,813)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(2,448,028)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(9,918,803)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,438,091)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Effects of exchange rate<\/span><span class=\"prnews_span\"> <\/span><span class=\"prnews_span\">changes on cash and cash<\/span><\/p>\n<p class=\"prnml6\"><span class=\"prnews_span\">&nbsp; equivalents<\/span><\/p>\n<\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(98,354)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(148,951)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(21,596)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen25\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(142,607)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">57,025<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">8,268<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Net increase\/(decrease) in cash<\/span><span class=\"prnews_span\"> <\/span><span class=\"prnews_span\">and cash equivalents<\/span><\/p>\n<\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">589,843<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(1,337,022)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen28\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">(193,850)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">2,710,659<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3,041,201<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen24\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">440,933<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Cash and cash equivalents at<\/span><span class=\"prnews_span\"> <\/span><span class=\"prnews_span\">the beginning of the<br \/><\/span><span class=\"prnews_span\">&nbsp; period<\/span><\/p>\n<\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">25,906,467<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">30,874,533<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,476,387<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">23,785,651<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">26,496,310<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen26\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">3,841,604<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" colspan=\"1\" rowspan=\"1\" nowrap=\"nowrap\" readability=\"5\">\n<p class=\"prnml4\"><span class=\"prnews_span\">Cash and cash equivalents at<\/span><span class=\"prnews_span\"> <\/span><span class=\"prnews_span\">the end of the period<\/span><\/p>\n<\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">26,496,310<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">29,537,511<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,282,537<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">26,496,310<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">29,537,511<\/span><\/p>\n<\/td>\n<td class=\"prngen22\" colspan=\"1\" rowspan=\"1\"><\/td>\n<td class=\"prngen29\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\"><span class=\"prnews_span\">4,282,537<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n","protected":false},"excerpt":{"rendered":"<p>SHANGHAI, March 13, 2023 \/PRNewswire\/ &#8212; Lufax Holding Ltd (&#8220;Lufax&#8221; or the &#8220;Company&#8221;) (NYSE: LU), a leading financial services enabler for small business owners in China, today announced its unaudited financial results for the fourth quarter and full year ended December 31, 2022. Fourth Quarter 2022 Financial Highlights Total income decreased by 22.2% to RMB12,318 [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-16788","post","type-post","status-publish","format-standard","hentry","category-business-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lufax Reports Fourth Quarter and Full Year 2022 Financial Results - My Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/transmediavictoria.net.au\/?p=16788\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lufax Reports Fourth Quarter and Full Year 2022 Financial Results - My Blog\" \/>\n<meta property=\"og:description\" content=\"SHANGHAI, March 13, 2023 \/PRNewswire\/ &#8212; Lufax Holding Ltd (&#8220;Lufax&#8221; or the &#8220;Company&#8221;) (NYSE: LU), a leading financial services enabler for small business owners in China, today announced its unaudited financial results for the fourth quarter and full year ended December 31, 2022. 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