OiWahPawnshopCreditHoldingsLimited 霭华押业信贷控股有限公司 (IncorporatedintheCaymanIslandswithlimitedliability) (于开曼群岛注册成立之有限公司) StockCode股份代号:01319 2022 INTERIMREPORT 中期报告 CONTENTS 目录 2CompanyInformation 公司资料 5FinancialHighlights 财务摘要 7ManagementDiscussionandAnalysis 管理层讨论及分析 23Reviewreporttotheboardofdirectors 致董事会之审阅报告 26ConsolidatedStatementofComprehensiveIncome 综合全面收入表 27ConsolidatedStatementofFinancialPosition 综合财务状况表 29ConsolidatedStatementofChangesinEquity 综合权益变动表 30CondensedConsolidatedCashFlowStatement 简明综合现金流量表 32NotestotheUnauditedInterimFinancialReport 未经审核中期财务报告附注 77OtherInformation 其他资料 CompanyInformatIon公司资料 BOARDOFDIRECTORS ExecutiveDirectors Mr.ChanChartMan Mr.ChanKaiHoEdward(ChairmanandChiefExecutiveOfficer) Ms.ChanMeiFongMs.ChanYingYu Non-executiveDirector Mr.ChanKaiKowMacksionMr.NgSiuHong IndependentNon-executiveDirectors Dr.LeungShiuKiAlbertDr.YipNgai Mr.LamOnTai BOARDCOMMITTEES AuditCommittee Dr.YipNgai(Chairman)Dr.LeungShiuKiAlbertMr.LamOnTai RemunerationCommittee Mr.LamOnTai(Chairman)Mr.ChanKaiHoEdwardDr.LeungShiuKiAlbert 董事会 执行董事 陈策文先生 陈启豪先生(主席兼行政总裁) 陈美芳女士陈英瑜女士 非执行董事 陈启球先生伍绍康先生 独立非执行董事 梁兆棋博士叶毅博士林安泰先生 董事委员会 审核委员会 叶毅博士(主席)梁兆棋博士 林安泰先生 薪酬委员会 林安泰先生(主席)陈启豪先生 梁兆棋博士 2霭华押业信贷控股有限公司中期报告2022 CompanyInformatIon 公司资料 NominationCommittee Dr.LeungShiuKiAlbert(Chairman) Mr.ChanKaiHoEdwardMr.LamOnTai COMPANYSECRETARY Mr.ChengYiuHangHKICPA AUTHORISEDREPRESENTATIVES Mr.ChanKaiHoEdwardMs.ChanYingYu REGISTEREDOFFICE Windward3,RegattaOfficePark P.O.Box1350 GrandCayman,KY1-1108CaymanIslands HEADQUARTERSANDPRINCIPALPLACEOFBUSINESSINHONGKONG Rooms2302–2303 KwanChartTower No.6TonnochyRoad,WanchaiHongKong STOCKCODE 01319 提名委员会 梁兆棋博士(主席)陈启豪先生 林安泰先生 公司秘书 郑耀衡先生HKICPA 授权代表 陈启豪先生陈英瑜女士 注册办事处 Windward3,RegattaOfficePark P.O.Box1350 GrandCayman,KY1-1108CaymanIslands 香港总部及主要营业地点 香港 湾仔杜老志道6号羣策大厦2302–2303室 股份代号 01319 OiWahPawnshopCreditHoldingsLimitedInterimReport20223 CompanyInformatIon公司资料 CAYMANISLANDSSHAREREGISTRARANDTRANSFEROFFICE EsteraTrust(Cayman)Ltd.Windward3,RegattaOfficePark P.O.Box1350 GrandCaymanKY1-1108CaymanIslands HONGKONGSHAREREGISTRAR BoardroomShareRegistrars(HK)Limited2103B,21/F,148ElectricRoad NorthPointHongKong AUDITOR SHINEWING(HK)CPALimited RegisteredPublicInterestEntityAuditor LEGALADVISERS AstoHongKonglaw: P.C.Woo&Co. AstoCaymanIslandslaw: Appleby PRINCIPALBANKERS CMBWingLungBankLimitedTheBankofEastAsia,LimitedFubonBank(HongKong)Limited O-BankCo.,Ltd.,HongKongBranch COMPANYWEBSITE www.pawnshop.com.hk 开曼群岛股份过户登记处 EsteraTrust(Cayman)Ltd.Windward3,RegattaOfficePark P.O.Box1350 GrandCaymanKY1-1108CaymanIslands 香港股份过户登记处 宝德隆证券登记有限公司香港 北角 电气道148号21楼2103B室 核数师 信永中和(香港)会计师事务所有限公司 注册公众利益实体核数师 法律顾问 香港法律方面: 胡百全律师事务所 开曼群岛法律方面: Appleby 主要往来银行 招商永隆银行有限公司东亚银行有限公司 富邦银行(香港)有限公司 王道商业银行股份有限公司香港分行 公司网站 www.pawnshop.com.hk 4霭华押业信贷控股有限公司中期报告2022 FinancialHigHligHts 财务摘要 TheaverageLTVratioofourmortgageloanportfoliomaintainedataround 按揭贷款组合的平均按揭成数比率维持约 53% LTV按揭成数 OiWahPawnshopCreditHoldingsLimitedInterimReport20225 FinancialHigHligHts财务摘要 FINANCIALPERFORMANCE •Revenueincreasedby7.6%toapproximatelyHK$82.0million •Profitattributabletotheequityshareholdersincreasedby17.3%toapproximatelyHK$44.1million •Netprofitmarginincreasedby4.4percentagepointsto53.8% •BasicearningspershareisHK2.3cents •Theprincipalofgrossloanreceivablesincreasedby14.2%toapproximatelyHK$1,016.8million BUSINESSPERFORMANCE •Totalamountofnewpawnloansgrantedincreasedby36.9%toapproximatelyHK$521.3million •Totalamountofnewmortgageloansgrantedincreasedby91.7%toapproximatelyHK$375.0million •Netinterestmarginforpawnloandecreasedby3.0percentagepointsto37.1% •Netinterestmarginformortgageloanincreasedby0.8percentagepointsto10.6% 财务表现 •收益增加7.6%至约82,000,000港元 •权益股东应占溢利增加17.3%至约 44,100,000港元 •纯利率增加4.4个百分点至53.8% •每股基本盈利为2.3港仙 •应收贷款总额的本金增加14.2%至约1,016,800,000港元 业务表现 •已发放新典当贷款总额增加36.9%至约521,300,000港元 •已发放新按揭抵押贷款总额增加 91.7%至约375,000,000港元 •典当贷款之净息差减少3.0个百分点至37.1% •按揭抵押贷款之净息差增加0.8个百分点至10.6% 6霭华押业信贷控股有限公司中期报告2022 ManageMentDiscussionanDanalysis 管理层讨论及分析 BUSINESSREVIEW OiWahPawnshopCreditHoldingsLimited(the“Company”or“ourCompany”),anditssubsidiaries(togetherwiththeCompanyarecollectivelyreferredtoasthe“Group”)isafinancingserviceproviderinHongKongoperatingunderthebrandnameof“OiWah”,principallyengaginginprovidingsecuredfinancing,includingmortgageloansandpawnloans. MORTGAGELOANBUSINESS Forthesixmonthsended31August2022(“FP2023”or“theperiod”),loandemandroseastheeconomicactivitieswerepickedupgraduallyundertheloosenedCOVID-19socialdistancingmeasures.Duringtheperiod,theinterestincomeofthemortgageloanbusinessoftheGroupincreasedbyapproximatelyHK$2.5millionor5.8%fromapproximatelyHK$42.8millionforthesixmonthsended31August2021(“FP2022”)toapproximatelyHK$45.3millioninFP2023,whichaccountedforapproximately55.3%oftheGroup’stotalrevenue.ThegrossmortgageloanreceivablewasapproximatelyHK$836.7millionasat31August2022withthetotalnewmortgageloansgrantedamountedtoapproximatelyHK$375.0millioninFP2023.Duringtheperiod,netinterestmarginofthemortgageloanbusinessincreasedbyapproximately0.8%toapproximately10.6%