众安集团二零二二年年报

CONTENTS目錄Zhong An Group Limited 2022 Annual ReportPages頁次Corporate Information公司資料4Financial Highlights財務摘要7Chairman’s Statement主席報告8Management Discussion and Analysis管理層討論與分析18Corporate Governance Report企業管治報告48Biographical Details of Directors and Senior Management董事及高級管理人員履歷71Directors’ Report董事會報告78Independent Auditor’s Report獨立核數師報告105Consolidated Statement of Profit or Loss合併損益表112Consolidated Statement of Comprehensive Income合併全面收益表113Consolidated Statement of Financial Position合併財務狀況表114Consolidated Statement of Changes in Equity合併權益變動表116Consolidated Statement of Cash Flows合併現金流量表117Notes to Financial Statements財務報表附註120Properties Held for Investment持作投資的物業294Properties Held for Development and/or Sale持作發展及╱或銷售的物業296Summary of Financial Information財務資料概要308CONTENTS目錄 Hangzhou • Lan Lotus Mansion杭州 • 嵐荷芸府 Corporate Information公司資料Zhong An Group Limited 2022 Annual Report4董事會執行董事施中安先生（主席）張堅鋼先生（首席執行官）沈條娟女士金妮女士施金帆女士獨立非執行董事貝克偉教授張化橋先生馮志偉先生公司秘書彭向輝先生註冊辦事處Cricket SquareHutchins DriveP.O. Box 2681Grand Cayman KY1-1111Cayman Islands中國總辦事處中國浙江省杭州市蕭山區蕭紹路996號BOARD OF DIRECTORSExecutive DirectorsMr Shi Zhongan (Chairman)Mr Zhang Jiangang (Chief Executive Officer)Ms Shen TiaojuanMs Jin Ni Ms Shi Jinfan Independent Non-executive DirectorsProfessor Pei Ker WeiMr Zhang HuaqiaoMr Fung Che Wai AnthonyCOMPANY SECRETARYMr Pang Heung FaiREGISTERED OFFICECricket SquareHutchins DriveP.O. Box 2681Grand Cayman KY1-1111Cayman IslandsHEAD OFFICE IN THE PRCNo. 996, Xiaoshao RoadXiaoshan District HangzhouZhejiang Provincethe PRCCorporate Information公司資料 5眾安集團有限公司 二零二二年年報Corporate Information (Continued)公司資料（續）Zhong An Group Limited 2022 Annual Report香港主要營業地點香港灣仔港灣道26號華潤大廈40樓4009室公司網址www.zhongangrouphk.com主要股份過戶登記處 Suntera (Cayman) LimitedSuite 3204, Unit 2A, Block 3Building D, P.O. Box 1586, Gardenia CourtGrand Cayman, KY1-1110, Cayman Islands香港股份過戶登記分處 卓佳證券登記有限公司香港夏慤道16號遠東金融中17樓PRINCIPAL PLACE OF BUSINESS IN HONG KONGRoom 4009, 40/FChina Resources Building26 Harbour RoadWanchaiHong KongCOMPANY’S WEBSITEwww.zhongangrouphk.comPRINCIPAL SHARE REGISTRAR AND TRANSFER OFFICESuntera (Cayman) LimitedSuite 3204, Unit 2A, Block 3Building D, P.O. Box 1586, Gardenia CourtGrand Cayman, KY1-1110, Cayman IslandsHONG KONG BRANCH SHARE REGISTRAR AND TRANSFER OFFICETricor Investor Services Limited17/F, Far East Finance Centre16 Harcourt RoadHong Kong Zhong An Group Limited 2022 Annual Report6Corporate Information (Continued)公司資料（續）主要往來銀行中國農業銀行中國工商銀行平安銀行中國銀行中國光大銀行核數師安永會計師事務所執業會計師註冊公眾利益實體核數師香港鰂魚涌英皇道979號太古坊一座27樓PRINCIPAL BANKERSAgricultural Bank of ChinaIndustrial and Commercial Bank of ChinaPing An BankBank of ChinaChina Everbright BankAUDITORErnst & YoungCertified Public AccountantsRegistered Public Interest Entity Auditor27/F, One Taikoo Place979 King’s RoadQuarry BayHong Kong Financial Highlights財務摘要7Zhong An Group Limited 2022 Annual Report眾安集團有限公司 二零二二年年報1 總現金=現金及現金等價物+受限制現金2 淨負債率=（有息負債-總現金）╱總權益3 現金短債比=總現金╱短期借款4 剔除預收款後的資產負債率=（總負債-預收賬款）╱（總資產-預收賬款）Year 2022二零二二年Year 2021二零二一年Changes百分比變動RMB’000RMB’000人民幣千元人民幣千元Contracted sales amount合約銷售額 14,267,700 27,925,100-48.9%Revenue 收入9,250,4994,968,68286.2%Profit for the Year年內利潤21,41838,526-44.4%Profit Attributable to Owners of the Company本公司權益持有人應佔溢利186,73473,132155.3%The basic earnings per share (RMB Cents) 每股基本盈利（人民幣分)3.31.3Total Cash1總現金16,633,3877,895,697-16.0%Total Assets 總資產59,096,85257,240,3093.2%Total Equity (Net Assets) 總權益（淨資產)12,333,16411,930,0843.4%Debt to Asset Ratio 負債比率79.1%79.2%Net Gearing Ratio2淨負債率265.8%76.3%Cash to Short-term Debt Ratio3現金短債比3 1.20 2.18 Debt to Asset Ratio after Advance Receivables4剔除預收款的資產負債率465.2%66.9%Current Ratio (Times) 流動比率（倍)1.251.411 Total Cash = cash and cash equivalents + restricted cash2 Net Gearing Ratio = (interest-bearing liabilities – total cash)/total equity3 Cash to short-term debt ratio = total cash/short-term borrowings4 Debt to Asset Ratio after Advance Receivables = (total liabilities – advance receivables)/(total assets – advance receivables)Financial Highlights財務摘要 Chairman’s Statement主席報告Zhong An Group Limited 2022 Annual Report8致各位股東：本人謹代表眾安集團有限公司（「眾安」或「本公司」）連同其附屬公司（統稱「本集團」），欣然提呈本集團截至2022年12月31日止年度（「2022年」）之全年業績。業績回顧2022年的經審核合併收入約為人民幣9,250.5百萬元，較2021年增長約86.2%；2022年毛利約為人民幣2,470.9百萬元，較2021年增長約67.4%。2022年母公司擁有人應佔溢利為人民幣186.7百萬元，較2021年增長約155.4%；每股基本盈利為人民幣3.3分（2021年：人民幣1.3分）。本公司董事會（「董事會」）不建議派發2022年度末期利息（2021年：無）。Dear Shareholders,On behalf of Zhong An Group Limited (“Zhong An” or the “Company”) and its subsidiaries (together the “Group”), I am pleased to present the annual results of the Group for the year ended 31 December 2022 (“2022”).REVIEW OF RESULTSThe audited consolidated revenue in 2022 was about RMB9,250.5 million, representing an increase of approximately 86.2% from that of 2021. The gross profit in 2022 was about RMB2,470.9 million, representing an increase of approximately 67.4% from that of 2021. The profit attributable to owners of the parent company in 2022