霭华押业信贷2021中期报告

Oi Wah Pawnshop Credit Holdings Limited 靄華押業信貸控股有限公司 Interim Report 2021 中期報告Oi Wah Pawnshop Credit Holdings Limited靄 華 押 業 信 貸 控 股 有 限 公 司(Incorporated in the Cayman Islands with limited liability)（於開曼群島註冊成立之有限公司）Stock Code 股份代號 : 01319www.pawnshop.com.hk Contents目錄2 Company Information 公司資料5 Financial Highlights 財務摘要6 Management Discussion and Analysis 管理層討論及分析20 Review Report to the Board of Directors 致董事會之審閱報告23 Condensed Consolidated Statement of Profit or Loss and Other Comprehensive Income 簡明綜合損益及其他全面收入表24 Condensed Consolidated Statement of Financial Position 簡明綜合財務狀況表26 Condensed Consolidated Statement of Changes in Equity 簡明綜合權益變動表27 Condensed Consolidated Statement of Cash Flows 簡明綜合現金流量表29 Notes to the Interim Financial Report 中期財務報告附註69 Other Information 其他資料Contents目錄 靄華押業信貸控股有限公司 中期報告 20212Company InformatIon公司資料 Company Information公司資料board oF directorSexecutive directorsMr. Chan Chart ManMr. Chan Kai Ho Edward (Chairman and Chief Executive Officer)Ms. Chan Mei FongMs. Chan Ying Yunon-executive directorMr. Chan Kai Kow MacksionMr. Ng Siu Hongindependent non-executive directorsDr. Leung Shiu Ki AlbertDr. Yip NgaiMr. Lam On Taiboard coMMitteeSaudit committeeDr. Yip Ngai (Chairman)Dr. Leung Shiu Ki AlbertMr. Lam On Tairemuneration committeeMr. Lam On Tai (Chairman)Mr. Chan Kai Ho EdwardDr. Leung Shiu Ki Albert董事會執行董事陳策文先生陳啟豪先生（主席兼行政總裁）陳美芳女士陳英瑜女士非執行董事陳啟球先生伍紹康先生獨立非執行董事梁兆棋博士葉毅博士林安泰先生董事委員會審核委員會葉毅博士（主席）梁兆棋博士林安泰先生薪酬委員會林安泰先生（主席）陳啟豪先生梁兆棋博士 靄華押業信貸控股有限公司 中期報告 2021Oi Wah Pawnshop Credit Holdings Limited Interim Report 20213Company InformatIon公司資料 Company Information公司資料nomination committeeDr. Leung Shiu Ki Albert (Chairman)Mr. Chan Kai Ho EdwardMr. Lam On TaicoMPany SecretaryMr. Cheng Yiu Hang HKICPAauthoriSed rePreSentatiVeSMr. Chan Kai Ho EdwardMs. Chan Ying YuregiStered oFFiceClifton House, 75 Fort Street,P.O. Box 1350Grand Cayman, KY1-1108Cayman IslandsheadQuarterS and PrinciPal Place oF buSineSS in hong KongRooms 2302–2303Kwan Chart TowerNo. 6 Tonnochy Road, WanchaiHong KongStocK code01319提名委員會梁兆棋博士（主席）陳啟豪先生林安泰先生公司秘書鄭耀衡先生 HKICPA授權代表陳啟豪先生陳英瑜女士註冊辦事處Clifton House, 75 Fort Street,P.O. Box 1350Grand Cayman, KY1-1108Cayman Islands香港總部及主要營業地點香港灣仔杜老誌道6號羣策大廈2302–2303室股份代號01319 靄華押業信貸控股有限公司 中期報告 20214Company InformatIon公司資料 開曼群島股份過戶登記處Estera Trust (Cayman) Ltd.Clifton House, 75 Fort StreetP.O. Box 1350Grand Cayman KY1-1108Cayman Islands香港股份過戶登記處寶德隆證券登記有限公司香港北角電氣道148號21樓2103B室核數師信永中和（香港）會計師事務所 有限公司註冊公眾利益實體核數師法律顧問香港法律方面：胡百全律師事務所開曼群島法律方面：Appleby主要往來銀行招商永隆銀行有限公司東亞銀行有限公司富邦銀行（香港）有限公司王道商業銀行股份有限公司香港分行公司網站www.pawnshop.com.hkcayMan iSlandS Share regiStrar and tranSFer oFFiceEstera Trust (Cayman) Ltd.Clifton House, 75 Fort StreetP.O. Box 1350Grand Cayman KY1-1108Cayman Islandshong Kong Share regiStrarBoardroom Share Registrars (HK) Limited2103B, 21/F, 148 Electric RoadNorth PointHong KongauditorSHINEWING (HK) CPA LimitedRegistered Public Interest Entity Auditorlegal adViSerSas to hong Kong law:P. C. Woo & Co.as to cayman islands law:ApplebyPrinciPal banKerSCMB Wing Lung Bank LimitedThe Bank of East Asia, LimitedFubon Bank (Hong Kong) LimitedO-Bank Co., Ltd., Hong Kong BranchcoMPany WebSitewww.pawnshop.com.hk 靄華押業信貸控股有限公司 中期報告 2021Oi Wah Pawnshop Credit Holdings Limited Interim Report 20215fInanCIal HIgHlIgHts財務摘要 Financial Highlights財務摘要Financial PerForMance• Revenue decreased by 23.3% to approximately HK$76.2 million• Profit attributable to the equity shareholders decreased by 27.7% to approximately HK$37.6 million• Net profit margin decreased by 3.0 percentage points to 49.4%• Basic earnings per share is HK1.9 cents• The principal of gross loan receivables decreased by 2.2% to approximately HK$913.4 millionbuSineSS PerForMance• Total amount of new pawn loans granted increased by 17.2% to approximately HK$380.8 million• Total amount of new mortgage loans granted increased by 7.4% to approximately HK$195.6 million• Net interest margin for pawn loan decreased by 0.4 percentage points to 40.1%• Net interest margin for mortgage loan decreased by 0.2 percentage points to 9.8%財務表現• 收益減少23.3%至約76,200,000港元• 權益股東應佔溢利減少27.7%至約37,600,000港元• 純利率減少3.0個百分點至49.4%• 每股基本盈利為1.9港仙• 應收貸款總額的本金減少2.2%至約913,400,000港元業務表現• 已發放新典當貸款總額增加17.2%至約380,800,000港元• 已發放新按揭抵押貸款總額增加7.4%至約195,600,000港元• 典當貸款之淨息差減少0.4個百分點至40.1%• 按揭抵押貸款之淨息差減少0.2個百分點至9.8% 靄華押業信貸控股有限公司 中期報告 20216management DIsCussIon anD analysIs管理層討論及分析 Management Discussion and Analysis管理層討論及分析buSineSS reVieWOi Wah Pawnshop Credit Holdings Limited (the “company” or “our company”), and its subsidiaries (together with the Company are collectively referred to as the “group”) is a financing service provider in Hong Kong operating under the brand name of “Oi Wah”, principally engaging in providing secured financing, including mortgage loans and pawn loans.Mortgage loan buSineSSFor the six months ended 31 August 2021 (“FP2022”), though the Hong