Earnings Call Summary | Lufax(LU.US) Q1 2024 Earnings Conference
Earnings Call Summary | Lufax(LU.US) Q1 2024 Earnings Conference
The following is a summary of the Lufax Holding Ltd (LU) Q1 2024 Earnings Call Transcript:
以下是陸金所控股有限公司（LU）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
Lufax's total income was at 7 billion RMB, a decrease of 30.9% from the same quarter of the previous year due to lower new loan sales and outstanding loan balance.
The first quarter saw a decrease in new loan sales by 15.6%, caused by weak loan demand from Small Business Owners and strategic business shift from quantity to quality.
Pre-tax profits were RMB447 million in Q1 2024, a drop from RMB1.1 billion from the same period of the previous year.
Net loss of RMB830mn was reported for Q1 largely due to an increase in tax related to the special dividend.
陸金所的總收入爲70億元人民幣，比上年同期下降30.9％，這是由於新貸款銷售和未償貸款餘額減少所致。
第一季度新貸款銷售下降了15.6％，這是由於小企業主的貸款需求疲軟以及戰略業務從數量向質量的轉變。
2024年第一季度的稅前利潤爲 RMB447 百萬元，較去年同期的人民幣11億元有所下降。
第一季度報告的淨虧損爲8.3億元人民幣，這主要是由於與特別股息相關的稅收增加。
Business Progress:
業務進展：
Lufax has noted an improvement in overall asset quality due to effective de-risking and diversification actions.
Despite decreased overall loan sales, new loan sales in consumer finance business increased by 46% YoY to RMB20.3 billion in Q1.
The company completed its acquisition of Ping An OneConnect Bank, ensuring diversification in service offerings.
Executive changes announced with CFO David resigning on April 30 and Zhu Peiqing taking his place.
A special dividend plan of USD 2.42 per ADS or USD 1.21 per ordinary share has been proposed, pending approval at the AGM.
Lufax expects the new loan volume to remain between RMB190 billion to RMB220 billion by year end, mirroring the previous quarter's outlook.
陸金所指出，由於有效的去風險和多元化行動，整體資產質量有所改善。
儘管整體貸款銷售有所下降，但第一季度消費金融業務的新貸款銷售額同比增長46％，達到人民幣203億元。
該公司完成了對平安OneConnect銀行的收購，確保了服務的多元化。
宣佈了高管變動，首席財務官戴維於4月30日辭職，朱培清接任。
已經提出了每股ADS2.42美元或每股普通股1.21美元的特別股息計劃，尚待股東周年大會批准。
陸金所預計，到年底，新貸款量將保持在 RMB190 億至 RMB220 億美元之間，這反映了上一季度的前景。
More details: Lufax IR
更多詳情： 盧金所 IR
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：欲了解更多詳情，請訪問投資者關係網站。本文僅供投資者參考，不構成任何投資建議。
譯文內容由第三人軟體翻譯。