香港信贷2024年报

CONTENTS 目录 2 CorporateInformation 公司资料 4 ManagementDiscussionandAnalysis 管理层讨论及分析 15 CorporateGovernanceReport 企业管治报告 42 Environmental,SocialandGovernanceReport 环境、社会及管治报告 77 DirectorsandSeniorManagement 董事及高级管理层 81 ReportoftheDirectors 董事会报告 93 IndependentAuditor’sReport 独立核数师报告 100 ConsolidatedStatementofComprehensiveIncome 综合全面收入表 101 ConsolidatedStatementofFinancialPosition 综合财务状况表 103 ConsolidatedStatementofChangesinEquity 综合权益变动表 104 ConsolidatedStatementofCashFlows 综合现金流量表 105 NotestotheFinancialStatements 财务报表附注 177 ScheduleofInvestmentProperties 投资物业列表 178 Five-yearFinancialSummary 五年财务概要 179 Glossary 词汇 CORPORATEINFORMATION 公司资料 DIRECTORSANDBOARDCOMMITTEES DirectorsExecutiveDirectorsChanKoungNam ChanKwongYinWilliam(Chairman)TsePuiTo(ChiefExecutiveOfficer)ChanSiuChing IndependentNon-executiveDirectors ChuYatPangTerryCheungKokCheongWongKaiMan BOARDCOMMITTEES AuditCommittee ChuYatPangTerry(Chairman)CheungKokCheong WongKaiMan RemunerationCommittee ChuYatPangTerry(Chairman)ChanKoungNam CheungKokCheong NominationCommittee ChanKwongYinWilliam(Chairman)ChuYatPangTerry CheungKokCheong COMPANYSECRETARY HuiChunHoEric REGISTEREDOFFICE CricketSquare,HutchinsDrive P.O.Box2681 GrandCayman,KY1-1111CaymanIslands HEADQUARTERSAND PRINCIPALPLACEOFBUSINESS Unit3410,34thFloor,TowerIILippoCentre89QueenswayAdmiralty HongKong 2 HongKongFinanceGroupLimitedANNUALREPORT2024 董事及董事委员会 董事 执行董事 陈光南 陈光贤（主席） 谢培道（行政总裁）陈小菁 独立非执行董事 朱逸鹏张国昌 WongKaiMan 董事委员会 审核委员会 朱逸鹏（主席）张国昌 WongKaiMan 薪酬委员会朱逸鹏（主席）陈光南 张国昌 提名委员会陈光贤（主席）朱逸鹏 张国昌 公司秘书 许俊浩 注册办事处 CricketSquare,HutchinsDrive P.O.Box2681 GrandCayman,KY1-1111CaymanIslands 总部及 主要营业地点 香港金钟 金钟道89号力宝中心二座34楼3410室 CORPORATEINFORMATION 公司资料 PRINCIPALBANKERS DBSBank(HongKong)LimitedBankofChina(HongKong)Limited LEGALADVISORS AstoHongKonglaw: Cheung&ChoySolicitors&Notaries AstoCaymanIslandslaw: ConyersDill&Pearman(Cayman)Limited AUDITOR PricewaterhouseCoopers CertifiedPublicAccountantsRegisteredPublicInterestEntityAuditor PRINCIPALSHAREREGISTRARANDTRANSFEROFFICEINCAYMANISLANDS ConyersTrustCompany(Cayman)LimitedCricketSquare,HutchinsDrive P.O.Box2681 GrandCayman,KY1-1111CaymanIslands BRANCHSHAREREGISTRARANDTRANSFEROFFICEINHONGKONG UnionRegistrarsLimitedSuites3301-04,33/F. TwoChinachemExchangeSquare338King’sRoad NorthPoint,HongKong STOCKCODE 1273 COMPANY’SWEBSITE www.hkfinance.hk 主要往来银行 星展银行（香港）有限公司中国银行（香港）有限公司 法律顾问 香港法律方面： 张世文蔡敏律师事务所 开曼群岛法律方面： ConyersDill&Pearman(Cayman)Limited 核数师 罗兵咸永道会计师事务所 执业会计师 注册公众利益实体核数师 开曼群岛股份登记及过户总处 ConyersTrustCompany(Cayman)LimitedCricketSquare,HutchinsDrive P.O.Box2681 GrandCayman,KY1-1111CaymanIslands 香港股份过户登记分处 联合证券登记有限公司香港北角 英皇道338号华懋交易广场2期33楼3301-04室 股份代号 1273 公司网址 www.hkfinance.hk 3 香港信贷集团有限公司 2024年报 MANAGEMENTDISCUSSIONANDANALYSIS 管理层讨论及分析 BUSINESSREVIEWANDINDUSTRYOVERVIEW OurGroupprimarilyoperatesinthemoneylendingsector,specialisinginprovidingloanstopropertyownersinHongKongundertheMLO.Ourcorebusinessrevolvesmortgageloans,whichweofferunderourwidelyrecognisedbrandname“HongKongFinance”.Wealsodiversifyourservicesbyprovidingunsecuredpersonalloanproductstopropertyowners,aimingtoexpandourpresenceinvariousmoneylendingmarketsegmentsandenhanceouroverallinterestmargin. Thefinancialyearof2023/24posedamultitudeofchallengesandcomplexities.Ongoinginterestratehikesresultedinweakglobalinvestmentandconsumptiondemand.ProlongedgeopoliticaltensionssuchastheRussia-Ukraineconflict,andtheIsraeli-Palestinianconflictheightenedinvestoraversiontorisk.AslowdowninChina’seconomicgrowthfurtheraddedheadwindstotheeconomy.TheseadversefactorscollectivelycontributedtothecontinueddeclineinHongKong’sresidentialpropertymarket,asevidencedbytheCentra-CityLeadingIndex’sdownwardtrendfrom168.27inlateMarch2023to147.08inlateMarch2024.DespiteacyclicalreboundinHongKong’seconomyfollowingtheCOVID-19pandemicandtheeffortsbytheHongKongGovernmenttopartiallyeasepropertymarketcoolingmeasures,therecoverywasephemeral,andthemarketsentimentremainedweakwithnosignificantreboundobservedinpropertypricesortransactionvolume.Inthischallengingenvironment,ourGroup’soverallfinancialperformancewasnegativelyimpacted,leadingtoasignificantincreaseinourprovisionforimpairmentandwrite-offofloansandinterestreceivables,andrepossessedassetsofHK$18.0millionforthecurrentyear,althoughwehavemaintainedourGroupinterestincomeofHK$158.9millionatsimilarlevelasoflastyear’s. MortgageloansremainedtheprimaryrevenuesourceforourGroup,contributingapproximately65.7%toourtotalrevenueduringthecurrentyear.Interestincomegeneratedfrommortgageloansdecreasedby3.5%toHK$104.4million.Asof31March2024,ourgrossmortgageloanandinterestreceivablesamountedtoHK$732.2million.Forourunsecuredpersonalloanbusiness,interestincomeincreasedby3.4%toHK$54.5million,accountingforapproximately34.3%ofourGroup’srevenueforthecurrentyear.Asof31March2024,ourgrosspersonalloanandinterestreceivablesstoodatHK$203.6million. 业务回顾及行业概览 本集团主要从事放债业务，根据放债人条例向香港业主提供贷款。按揭贷款为我们以深入民心之 “香港信贷”品牌提供之核心业务。我们亦向业主 提供无抵押私人贷款产品以多样化我们的服务，旨在扩大我们在不同放债市场分部之业务及提高整体息差。 2023/24财政年度充满了挑战及复杂性。持续加息导致全球投资及消费需求疲软。俄乌冲突及以巴冲突等长期