环球信贷集团2023 年报

2023ANNUAL REPORT CONTENTS目錄 公司資料主席報告管理層討論及分析董事及高級管理層企業管治報告環境、社會及管治報告董事會報告獨立核數師報告合併綜合收益表合併財務狀況表合併權益變動表合併現金流量表合併財務報表附註五年財務概要 Corporate InformationChairman’s StatementManagement Discussion and AnalysisDirectors and Senior ManagementCorporate Governance ReportEnvironmental, Social and Governance ReportReport of the DirectorsIndependent Auditor’s ReportConsolidated Statement of Comprehensive IncomeConsolidated Statement of Financial PositionConsolidated Statement of Changes in EquityConsolidated Statement of Cash FlowsNotes to the Consolidated Financial StatementsFive Year Financial Summary Corporate Information公司資料 董事會 BOARD OF DIRECTORS 執行董事王瑤女士（主席及總裁）金曉琴女士葉莉盈女士 Executive Directors Ms. Wang Yao(Chairman and Chief Executive)Ms. Jin XiaoqinMs. Yip Lee Ying 獨立非執行董事 Independent non-executive Directors 吳麗文博士文耀光先生唐偉倫先生（別名：唐俊懿）（於二零二四年一月一日辭任）浦炳榮先生（於二零二四年一月一日獲委任） Dr. Ng Lai Man, CarmenMr. Man Yiu Kwong, NickMr. Tang, Warren Louis(resigned on 1 January 2024)Mr. Pao Ping Wing(appointed on 1 January 2024) 審核委員會 AUDIT COMMITTEE 吳麗文博士（主席）文耀光先生唐偉倫先生（於二零二四年一月一日辭任）浦炳榮先生（於二零二四年一月一日獲委任） Dr. Ng Lai Man, Carmen(Chairman)Mr. Man Yiu Kwong, NickMr. Tang, Warren Louis(resigned on 1 January 2024)Mr. Pao Ping Wing(appointed on 1 January 2024) REMUNERATION COMMITTEE 薪酬委員會 文耀光先生（主席）吳麗文博士唐偉倫先生（於二零二四年一月一日辭任）王瑤女士浦炳榮先生（於二零二四年一月一日獲委任） Mr. Man Yiu Kwong, Nick(Chairman)Dr. Ng Lai Man, CarmenMr. Tang, Warren Louis(resigned on 1 January 2024)Ms. Wang YaoMr. Pao Ping Wing(appointed on 1 January 2024) 提名委員會 NOMINATION COMMITTEE 王瑤女士（主席）吳麗文博士文耀光先生唐偉倫先生（於二零二四年一月一日辭任）浦炳榮先生（於二零二四年一月一日獲委任） Ms. Wang Yao(Chairman)Dr. Ng Lai Man, CarmenMr. Man Yiu Kwong, NickMr. Tang, Warren Louis(resigned on 1 January 2024)Mr. Pao Ping Wing(appointed on 1 January 2024) 公司秘書 COMPANY SECRETARY 葉莉盈女士 Ms. Yip Lee Ying Corporate Information (Continued)公司資料（續） 授權代表 AUTHORISED REPRESENTATIVES 王瑤女士葉莉盈女士 Ms. Wang YaoMs. Yip Lee Ying 註冊辦事處 REGISTERED OFFICE P.O. Box 309Ugland HouseGrand CaymanKY1-1104Cayman Islands P.O. Box 309Ugland HouseGrand CaymanKY1-1104Cayman Islands 總部及主要營業地點 HEAD OFFICE AND PRINCIPAL PLACE OF BUSINESS Unit 01, 12/FWorld-Wide House19 Des Voeux Road CentralHong Kong 香港德輔道中19號環球大廈12樓01室 開曼群島主要股份過戶登記處 PRINCIPAL SHARE REGISTRAR AND TRANSFER OFFICE INCAYMAN ISLANDS Maples Fund Services (Cayman) LimitedP.O. Box 1093Boundary HallCricket SquareGrand CaymanKY1-1102Cayman Islands Maples Fund Services (Cayman) LimitedP.O. Box 1093Boundary HallCricket SquareGrand CaymanKY1-1102Cayman Islands 香港股份過戶登記分處 BRANCH SHARE REGISTRAR AND TRANSFER OFFICE INHONG KONG 寶德隆證券登記有限公司香港北角電氣道148號21樓2103B室 Boardroom Share Registrars (HK) LimitedRoom 2103B, 21/F148 Electric RoadNorth PointHong Kong Global International Credit Group LimitedAnnual Report 2023 Corporate Information (Continued)公司資料（續） 法律顧問 LEGAL ADVISER 胡百全律師事務所 P. C. Woo & Co. 核數師 AUDITOR 香港立信德豪會計師事務所有限公司執業會計師註冊公眾利益實體核數師 BDO LimitedCertified Public AccountantsRegistered Public Interest Entity Auditors 主要往來銀行 PRINCIPAL BANKER 中國銀行（香港）有限公司 Bank of China (Hong Kong) Limited STOCK CODE 股份代號 1669 1669 網址www.gicl.com.hk WEBSITE ADDRESS www.gicl.com.hk Chairman’s Statement主席報告 各位股東： Dear Shareholders: 本 人 謹 代 表 環 球 信 貸 集 團 有 限 公 司（「 本 公司」，連同其附屬公司，統稱為「本集團」）董事會（「董事會」）欣然提呈本集團截至二零二三年十二月三十一日止年度（「二零二三年財政年度」）的年報。 On behalf of the board of directors (the “Board”) of Global InternationalCredit Group Limited (the “Company” together with its subsidiaries, the“Group”), I am delighted to present the annual report of the Group for theyear ended 31 December 2023 (“FY2023”). 於二零二三年財政年度，儘管香港經濟疫后恢復 正 常 ， 但 經 濟 復 蘇 並 不 穩 定 ， 本 年 度 對 本集團而言仍然充滿挑戰。高利率環境，連同政策的不確定性、中國經濟增長放緩及投資者信心疲軟，均為投資者情緒帶來負面壓力，導致香 港 住 宅 物 業 價 格 於 二 零 二 三 年 進 一 步 下 降7.0%。於回顧年度，在上述充滿挑戰的經營環境下，本集團審慎經營業務，將戰略重點放在較低風險的物業一按貸款上，並調整定價以維持合理收益以應對不斷增加的資金成本壓力。本集團亦投入額外資源，審視及監察還款狀態及其貸款組合的抵押品質量，以管控其信貸虧損。 Although Hong Kong’s economy returned to normalcy in the aftermathof pandemic during FY2023, the economic recovery was patchy andthe year remained challenging to the Group. The high interest ratesenvironment along with policy uncertainty, deceleration in China’seconomic growth and weak investor confidence, has placed pressureon investor sentiment leading to a further decline in the residentialproperty prices of Hong Kong by 7.0% in 2023. Under the aforesaidchallenging operating environment in the year under review, theGroup conducted its business cautiously with a strategic focus onlower-risk first mortgage loans and has adjusted its pricing in order tomaintain a reasonable yield to cope with the increasing funding costpressure. The Group also devoted extra effort to reviewing and monitoringthe repayment status and the quality of collaterals of its loan portfolio tomanage its credit loss. 在 該 等 充 滿 挑 戰 的 營 運 環 境 中 ， 本 集 團 的 應收 貸 款 總 額 由 二 零 二 二 年 十 二 月 三 十 一 日 的871,500,000港元減少36,800,000港元或4.2%至二零二三年十二月三十一日的834,700,000港元，收入則較去年的90,500,000港元減少2,600,000港元或2.9%至二零二三年財政年度的87,900,000港元。 Amid such challenging operating environment,