众安集团2023 中期报告

公司資料2 主席報告4 管理層討論與分析10 獨立審閱報告26 持作發展及╱或銷售的物業76 財務資料概要92 Corporate Information公司資料 BOARD OF DIRECTORS 董事會 Executive Directors 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 Mr Shi Zhongan(Chairman)Mr Zhang Jiangang(Chief Executive Officer)Ms Shen TiaojuanMs Jin NiMs Shi Jinfan 獨立非執行董事貝克偉教授張化橋先生馮志偉先生 Independent Non-executive DirectorsProfessor Pei Ker WeiMr Zhang HuaqiaoMr Fung Che Wai Anthony 公司秘書彭向輝先生 COMPANY SECRETARYMr Pang Heung Fai 註冊辦事處Cricket Square Hutchins DriveP.O. Box 2681Grand Cayman KY1-1111Cayman Islands REGISTERED OFFICECricket Square Hutchins DriveP.O. Box 2681Grand Cayman KY1-1111Cayman Islands 中國總辦事處 中國浙江省杭州蕭山區蕭紹路996號 HEAD OFFICE IN THE PRC No. 996, Xiaoshao RoadXiaoshan DistrictHangzhouZhejiang Provincethe PRC 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 PRINCIPAL PLACE OF BUSINESS IN HONG KONG Room 4009, 40/FChina Resources Building26 Harbour RoadWanchaiHong Kong 公司網址www.zhongangrouphk.com COMPANY’S WEBSITEwww.zhongangrouphk.com 主要股份過戶登記處 PRINCIPAL SHARE REGISTRAR AND TRANSFEROFFICE Suntera (Cayman) LimitedSuite 3204, Unit 2A,Block 3, Building D,P.O. Box 1586,Gardenia Count, Camana Bay,Grand Cayman KY1-1110Cayman Islands Suntera (Cayman) LimitedSuite 3204, Unit 2A,Block 3, Building D,P.O. Box 1586,Gardenia Count, Camana Bay,Grand Cayman KY1-1110Cayman Islands 香港股份過戶登記分處 HONG KONG BRANCH SHARE REGISTRAR ANDTRANSFER OFFICE 卓佳證券登記有限公司香港夏愨道16號遠東金融中心17樓 Tricor Investor Services Limited17/F, Far East Finance Centre16 Harcourt RoadHong Kong 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浙商銀行 PRINCIPAL BANKERS Agricultural Bank of ChinaIndustrial and Commercial Bank of ChinaPing An BankBank of ChinaChina Zheshang Bank 核數師 AUDITORS 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楼 Ernst & YoungCertified Public AccountantsRegistered Public Interest Entity Auditor27/F, One Taikoo Place979 King’s RoadQuarry BayHong Kong 投資者關係 INVESTOR RELATIONS 資本市場部電郵：ir@zafc.com電話：(852) 2877 6991傳真：(852) 2877 6990 Capital Markets DepartmentEmail:ir@zafc.comTelephone:(852) 2877 6991Facsimile:(852) 2877 6990 Chairman’s Statement主席報告 Shi Zhongan,Chairman主席施中安 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2023年6月30日止年度（「回顧期」）之業績。 On behalf of Zhong An Group Limited (“Zhong An” or the “Company”) and itssubsidiaries (together the “Group”), I am pleased to present the results of theGroup for the six months ended 30 June 2023 (“Period under review”). 業績回顧 REVIEW OF RESULTS 於 回 顧 期 內，本 集 團 的 營 業 額 為 人 民 幣4 , 0 7 8 . 1百 萬 元，較2 0 2 2年 同 期 減 少 約19.7%；毛 利 約 為 人 民 幣699.2百 萬 元，較2022年同期減少約59.5%。回顧期內未經審核利潤為人民幣156.1百萬元，較2022年同期增長約122.2%；未經審核每股盈利為人民幣3.49分（2022年同期每股盈利：人民幣2.44分）。本公司董事會（「董事會」）不建議派發回顧期任何中期利息（2022年：無）。 During the Period under review, the Group’s revenue was RMB4,078.1million, representing a decrease of approximately 19.7% as compared withthat of the corresponding period of 2022; the gross profit was approximatelyRMB699.2 million, representing a decrease of approximately 59.5% ascompared with that of the corresponding period of 2022; the unauditedprofit was RMB156.1 million, representing an increase of approximately122.2% as compared with that of the corresponding period of 2022; theunaudited earnings per share was RMB3.49 cents (earnings per share for thecorresponding period of 2022: RMB2.44 cents). The Board of the Company(the “Board”) does not recommend the payment of any interim dividend forthe Period under review (2022: nil). Chairman’s Statement(Continued)主席報告（續） 市場及業務回顧 MARKET AND BUSINESS REVIEW 2023年上半年，隨著經濟社會全面恢復常態化，中國經濟在轉型升級中逐步復甦，並朝著高質量發展方向穩步推進。房地產市場宏觀調控整體延續去年末以來的寬鬆態勢。房地產市場運行逐步回歸常態化，從過去的高速發展逐步轉向平穩發展。 In the first half of 2023, China’s economy was gradually recovered in theprocess of transformation and upgrading after the economy and societyresumed to normal comprehensively, and the country steadily advancedtowards the direction of high-quality development. In addition, the overallmacro-control policies of the real estate market continued a relaxed trendsince the end of last year, while the operations of the real estate market haveprogressively resumed to normal, shifting moderately from a rapid growth inthe past to a stable development. 在行業內外部環境經歷質與量變化的情況下，眾安集團圍繞「穩健經營，健康發展」的價值理念，直面市場挑戰，積極調整戰略，聚焦「保交付」、「穩經營」，積極開展各項經營管理工作，確保企業始終保持穩健發展態勢。保交樓工作的順利開展，考驗著房企的開發經營能力和主體責任擔當。回顧期內，本集團共有40逾個新開售項目和分期在售的現有項目，主要分佈於長三角地區。於回顧期內，本集團共錄得合約銷售金額約為人民幣7,449百萬元，同比增加約41.5%。隨著下半年購房需求的逐步釋放，房地產政策的適時調節和寬鬆貨幣政策的持續，房地產行業將進一步受益。本集團合約銷售下半年也預期將隨著行業環境改善而進一步復甦。 Under the circumstance that the internal and external environment of theindustry has undergone qualitative and quantitative changes, Zhong AnGroup has adhered to the value philosophy of “stable operation and healthydevelopment”, overcome market challenges by actively adjusting its strategy,focusing on “guaranteed delivery” and “stable operations”, and proactivelycarrying out various operating and management works to ensure thatthe Company always maintains a solid and healthy development trend. Asmooth operation of the guaranteed property delivery relies mainly on t