陆金所美股招股说明书(2023-04-11版)

424B31d494546d424b3.htm424(B)(3) TableofContents PROSPECTUSSUPPLEMENT (ToProspectusdatedApril11,2023) FiledPursuanttoRule424(b)(3)RegistrationNo.333-271209 LufaxHoldingLtd OrdinaryShares TunKungCompanyLimitedislendingtocertaindesignateddealersupto28,652,716ofourordinaryshares,US$0.00001pershare,orapproximately2.5%ofourtotalordinarysharesissuedandoutstandingimmediatelyupontheListing(asdefinedbelow)(assumingnoadditionalsharesareissuedunderourshareincentiveplansorupontheconversionoftheoutstandingconvertiblepromissorynotesbeforetheListing),ononeormoreoccasions,tofacilitatetheproposedlistingofourordinarysharesontheMainBoardofTheStockExchangeofHongKongLimited,ortheHongKongStockExchange,bywayofintroduction,ortheListing.OurordinaryshareswillbetradedontheHongKongStockExchangeunderthestockcode“6623.” TheordinarysharesbeinglentherebywillbeusedbythedesignateddealerstocreateadditionalliquidityofourordinarysharesontheHongKongStockExchangethroughsalesatmarketpricesontheHongKongStockExchangeduringa30-calendar-dayperiodcommencingonthelistingdateofourordinarysharesontheHongKongStockExchange,whichisexpectedtobeonoraboutApril14,2023.See“DescriptionofLiquidityArrangements.”WeareregisteringtheordinarysharesbeingregisteredherebyinconnectionwiththesaleofsuchsharestotheextentthattheyaresoldtoU.S.persons,asdefinedunderRegulationS,orfortheaccountorbenefitofU.S.persons. NeitherwenorTunKungCompanyLimitedwillreceiveanyproceedsfromthelendingoftheordinarysharesbeingregisteredhereby,whichwillbesoldatprevailingmarketpricesatthetimeofsaleinliquiditytradesontheHongKongStockExchangeduringtheliquidityperiodwithdeliveryexpectedtooccurfromtimetotimeinaccordancewiththerulesoftheHongKongStockExchange. OurAmericandepositaryshares,ortheADSs,arelistedontheNewYorkStockExchange,ortheNYSE,underthesymbol“LU.”EverytwoADSsrepresentoneordinaryshare.OnApril10,2023,thelastreportedsalepriceoftheADSsontheNewYorkStockExchangewasUS$1.85perADS. Investinginoursecuritiesinvolvesrisks.See“RiskFactors”beginningonpageS-42ofthisprospectussupplementandinanydocumentsincorporatedbyreferenceintothisprospectussupplementforadiscussionofcertainrisksthatshouldbeconsideredinconnectionwithaninvestmentinourordinaryshares. LufaxHoldingLtdisnotanoperatingcompanyinChinabutaCaymanIslandsholdingcompanywithnoequityownershipinitsconsolidatedaffiliatedentities.WeconductoperationsinChinathrough(i)ourPRC subsidiaries,(ii)theconsolidatedaffiliatedentitieswithwhichwehavecontractualarrangements,and (iii)thesubsidiariesoftheconsolidatedaffiliatedentities.PRClawsandregulationsrestrictandimposeconditionsonforeignownershipandinvestmentincertaininternet-basedbusinesses.Accordingly,weoperatethesebusinessesinChinathroughtheconsolidatedaffiliatedentitiesandtheirsubsidiaries,andrelyoncontractualarrangementsamongourPRCsubsidiaries,theconsolidatedaffiliatedentitiesandtheirrespectiveshareholderstocontrolthebusinessoperationsoftheconsolidatedaffiliatedentitiesandtheirsubsidiaries.ThisstructureprovidesinvestorswithexposuretoforeigninvestmentinChina-basedcompanieswherePRClawsandregulationsprohibitorrestrictdirectforeigninvestmentinoperatingcompaniesincertainsectors.Revenuescontributedbytheconsolidatedaffiliatedentitiesandtheirsubsidiariesaccountedfor3.0%,2.5%,and1.7%ofourtotalrevenues TableofContents for2020,2021and2022,respectively.Asusedinthisprospectussupplement,“we,”“us,”“ourcompany”and“our”refertoLufaxHoldingLtd,itssubsidiaries,and,inthecontextofdescribingouroperationsandconsolidatedfinancialinformation,theconsolidatedaffiliatedentitiesinChinaandtheirsubsidiaries,includingbutnotlimitedto(i)ShanghaiXiongguoCorporationManagementCo.,Ltd.,orShanghaiXiongguo,whichwasestablishedinDecember2014andultimatelyholdsallequityinterestsofShanghaiLufax(asdefinedbelow),(ii)ShanghaiLufaxInformationTechnologyCo.,Ltd.(formerlyknownasShanghaiLujiazuiInternationalFinancialAssetExchangeCo.,Ltd.),orShanghaiLufax,whichwasestablishedinSeptember2011andcurrentlyoperatestheonlinewealthmanagementbusiness,and (iii)ShenzhenLufaxHoldingEnterpriseManagementCo.,Ltd.,orShenzhenLufaxEnterpriseManagement,whichwasestablishedinMay2018andcurrentlyhasawhollyownedsubsidiarythatholdsaninternetcontentproviderlicense,orICPlicense,andoperatesanSBOvalue-addedservicesplatformunderthebrandofLudiantong.TheconsolidatedaffiliatedentitiesarePRCcompaniesconductingoperationsinChina,andtheirfinancialresultshavebeenconsolidatedintoourconsolidatedfinancialstatementsunderIFRSforaccountingpurposes.InvestorsinourADSsarenotpurchasingequityinterestsintheconsolidatedaffiliatedentitiesinChinabutinsteadarepurchasingequityinterestsinaholdingcompanyincorporatedintheCaymanIslands,andmayneverdirectlyholdequityinterestsintheconsolidatedaffiliatedentitiesinChina. Ourcorporatestructureissubjecttorisksassociatedwithourcontractualarrangementswiththeconsolidatedaffiliatedentities.Thecontractualarrangementsmaynotbeaseffectiveasequityownershipovertheconsolidatedaffiliatedentities,andwemayincursubstantialcoststoenforcethetermsofthearrangements.Inaddition,asofthedateofthisprospectus