环球信贷集团2023 年报

2023 ANNUALREPORT年报 CONTENTS目录 2 5 7 19 22 46 66 78 84 85 87 88 89 168 CorporateInformation公司资料 Chairman’sStatement主席报告 ManagementDiscussionandAnalysis管理层讨论及分析 DirectorsandSeniorManagement董事及高级管理层 CorporateGovernanceReport企业管治报告Environmental,SocialandGovernanceReport环境、社会及管治报告ReportoftheDirectors董事会报告 IndependentAuditor’sReport独立核数师报告ConsolidatedStatementofComprehensiveIncome合并综合收益表ConsolidatedStatementofFinancialPosition合并财务状况表ConsolidatedStatementofChangesinEquity合并权益变动表ConsolidatedStatementofCashFlows合并现金流量表NotestotheConsolidatedFinancialStatements合并财务报表附注FiveYearFinancialSummary五年财务概要 GlobalInternationalCreditGroupLimitedAnnualReport2023 CorporateInformation 公司资料 BOARDOFDIRECTORS ExecutiveDirectors Ms.WangYao(ChairmanandChiefExecutive) Ms.JinXiaoqinMs.YipLeeYing Independentnon-executiveDirectors Dr.NgLaiMan,CarmenMr.ManYiuKwong,NickMr.Tang,WarrenLouis (resignedon1January2024) Mr.PaoPingWing(appointedon1January2024) AUDITCOMMITTEE Dr.NgLaiMan,Carmen(Chairman) Mr.ManYiuKwong,Nick Mr.Tang,WarrenLouis(resignedon1January2024) Mr.PaoPingWing(appointedon1January2024) REMUNERATIONCOMMITTEE Mr.ManYiuKwong,Nick(Chairman) Dr.NgLaiMan,Carmen Mr.Tang,WarrenLouis(resignedon1January2024) Ms.WangYao Mr.PaoPingWing(appointedon1January2024) NOMINATIONCOMMITTEE Ms.WangYao(Chairman)Dr.NgLaiMan,CarmenMr.ManYiuKwong,Nick Mr.Tang,WarrenLouis(resignedon1January2024) Mr.PaoPingWing(appointedon1January2024) COMPANYSECRETARY Ms.YipLeeYing 董事会 执行董事 王瑶女士（主席及总裁）金晓琴女士 叶莉盈女士 独立非执行董事 吴丽文博士 文耀光先生 唐伟伦先生（别名：唐俊懿） （于二零二四年一月一日辞任） 浦炳荣先生（于二零二四年一月一日获委任） 审核委员会 吴丽文博士（主席）文耀光先生 唐伟伦先生（于二零二四年一月一日辞任）浦炳荣先生（于二零二四年一月一日获委任） 薪酬委员会 文耀光先生（主席）吴丽文博士 唐伟伦先生（于二零二四年一月一日辞任）王瑶女士 浦炳荣先生（于二零二四年一月一日获委任） 提名委员会 王瑶女士（主席）吴丽文博士 文耀光先生 唐伟伦先生（于二零二四年一月一日辞任）浦炳荣先生（于二零二四年一月一日获委任） 公司秘书 叶莉盈女士 2 环球信贷集团有限公司2023年报 CorporateInformation(Continued) 公司资料（续） AUTHORISEDREPRESENTATIVES Ms.WangYaoMs.YipLeeYing REGISTEREDOFFICE P.O.Box309UglandHouseGrandCaymanKY1-1104CaymanIslands HEADOFFICEANDPRINCIPALPLACEOFBUSINESS Unit01,12/FWorld-WideHouse 19DesVoeuxRoadCentralHongKong PRINCIPALSHAREREGISTRARANDTRANSFEROFFICEINCAYMANISLANDS MaplesFundServices(Cayman)Limited P.O.Box1093BoundaryHallCricketSquareGrandCaymanKY1-1102CaymanIslands BRANCHSHAREREGISTRARANDTRANSFEROFFICEINHONGKONG BoardroomShareRegistrars(HK)LimitedRoom2103B,21/F 148ElectricRoadNorthPointHongKong 授权代表 王瑶女士叶莉盈女士 注册办事处 P.O.Box309UglandHouseGrandCaymanKY1-1104CaymanIslands 总部及主要营业地点 香港 德辅道中19号环球大厦 12楼01室 开曼群岛主要股份过户登记处 MaplesFundServices(Cayman)Limited P.O.Box1093BoundaryHallCricketSquareGrandCaymanKY1-1102CaymanIslands 香港股份过户登记分处 宝德隆证券登记有限公司香港 北角 电气道148号 21楼2103B室 3 BankofChina(HongKong)Limited STOCKCODE 1669 WEBSITEADDRESS www.gicl.com.hk 中国银行（香港）有限公司 股份代号 1669 网址 www.gicl.com.hk GlobalInternationalCreditGroupLimitedAnnualReport2023 CorporateInformation(Continued) 公司资料（续） LEGALADVISER 法律顾问 P.C.Woo&Co. 胡百全律师事务所 AUDITOR 核数师 BDOLimited CertifiedPublicAccountants RegisteredPublicInterestEntityAuditors 香港立信德豪会计师事务所有限公司 执业会计师 注册公众利益实体核数师 PRINCIPALBANKER 主要往来银行 4 环球信贷集团有限公司2023年报 Chairman’sStatement 主席报告 DearShareholders: Onbehalfoftheboardofdirectors(the“Board”)ofGlobalInternationalCreditGroupLimited(the“Company”togetherwithitssubsidiaries,the“Group”),IamdelightedtopresenttheannualreportoftheGroupfortheyearended31December2023(“FY2023”). AlthoughHongKong’seconomyreturnedtonormalcyintheaftermathofpandemicduringFY2023,theeconomicrecoverywaspatchyandtheyearremainedchallengingtotheGroup.Thehighinterestratesenvironmentalongwithpolicyuncertainty,decelerationinChina’seconomicgrowthandweakinvestorconfidence,hasplacedpressureoninvestorsentimentleadingtoafurtherdeclineintheresidentialpropertypricesofHongKongby7.0%in2023.Undertheaforesaidchallengingoperatingenvironmentintheyearunderreview,theGroupconducteditsbusinesscautiouslywithastrategicfocusonlower-riskfirstmortgageloansandhasadjusteditspricinginordertomaintainareasonableyieldtocopewiththeincreasingfundingcostpressure.TheGroupalsodevotedextraefforttoreviewingandmonitoringtherepaymentstatusandthequalityofcollateralsofitsloanportfoliotomanageitscreditloss. Amidsuchchallengingoperatingenvironment,theGroup’sgrossloansreceivabledecreasedbyHK$36.8millionor4.2%fromHK$871.5millionasat31December2022toHK$834.7millionasat31December2023,andrecordedadeclineinrevenueofHK$2.6millionor2.9%toHK$87.9millioninFY2023ascomparedtoHK$90.5millionintheprioryear. HongKongresidentialpropertypriceshavedroppedmorethan20%sincetheirpeakinSeptember2021,althoughtheHongKongGovernmenthasrecentlyliftedallpropertycoolingmeasurestorevitalizethemarket,itisbelievedthatinterestratetrendsandoveralleconomicperformancearestillthemaindriversforrecoveryandinvestmentsentimentin2024.TheGrouphasbeenadoptingjudiciousapproachonitscreditpolicybackwhenthepropertymarketwasstillred-hottopreservetheoverallqualityofourloanportfolio.Webelievethattheoverallqualityofourloanportfolioremainsbenignwiththeoverallweightedaverageloan-to-valueratiomanagedat60.0%asat31December2023.Amidtheupcomingchallengesanduncertainties,theGroupwillcontinuetoconductitslo