Lufax Holding released its Environmental, Social and Governance Report for the year ended 31 December 2025, outlining business scale, technology upgrades, customer service metrics and sustainability targets.
Business scale and inclusive finance • Retail-credit loans outstanding reached RMB 183.82 billion, serving 29.10 million small-business owners (SBOs) and individual borrowers. • Consumer-finance coverage exceeded 10 million customers, more than 80% located in tier-three cities and below. • Special products advanced: “WeiYing Loan” issued RMB 25.20 billion to 66,000 clients; “YouPiao” disbursed RMB 4.10 billion to 6,000 tax-compliant SBOs; newly launched “ZhaiSu Loan” offers property-backed financing.
Technology empowerment • “Xingyun 2.0” AI loan engine cut application time for mid-to-large SBO loans by 20 minutes; 95% of users received funds within 1.3 hours, with cumulative service to 1.51 million customers. • “Wujie” online signing and mortgage registration processed RMB 8.63 billion, with 67% of secured-loan contracts handled fully online.
Customer experience • Total customer complaints were 1,463, equivalent to 4.5 per 10,000 active accounts, with a 100% response rate. • Over 1,000 online and 6,500 on-site training courses were delivered via the Zhiniao platform, involving 3 million participations.
Governance and information security • ESG oversight is led by the Board-level Consumer Protection and ESG Committee; all business systems hold ISO/IEC 27001 certification. • The year recorded 802 party-discipline and 530 integrity-training activities; anti-corruption training covered 100% of employees.
Environmental performance • Compared with 2024, electricity usage fell 18.9%, water consumption 14.7% and greenhouse-gas emissions 17.4%. • Total 2025 emissions were 14,486.71 tCO₂e, or 0.44 tCO₂e per employee.
Social investment • Public-welfare work reached 0.48 million agricultural micro-businesses; RMB 160 million in assistance funds were channelled to nearly 300 rural cooperative leaders and entrepreneurs. • Employees contributed 6,200 volunteer hours across 107 activities.
Supply-chain and awards • All 219 active suppliers passed ESG-related on-site or annual assessments. • Lufax received multiple 2025 accolades, including Caijing’s “ESG Practice Pioneer” and Jiemian’s “ESG Pioneer 60”.
The report reaffirms Lufax Holding’s target of carbon neutrality by 2060 and details progress toward responsible finance, operational efficiency, robust governance and environmental stewardship.