闽信集团2023中期报告

公司資料Corporate Information2主席報告書Chairman’s Statement4管理層討論及分析Management Discussion and Analysis8企業管治及其他資料Corporate Governance and Other Information18簡明綜合損益表Condensed Consolidated Income Statement24簡明綜合全面收益表Condensed Consolidated Statement of25Comprehensive Income簡明綜合財務狀況表Condensed Consolidated Statement of26Financial Position簡明綜合權益變動表Condensed Consolidated Statement of28Changes in Equity簡明綜合現金流量表Condensed Consolidated Statement of30Cash Flows簡明綜合中期財務報表註釋Notes to the Condensed Consolidated32Interim Financial Statements ʮ̡༟ࣘCORPORATE INFORMATION 董事會 BOARD OF DIRECTORS 執行董事 Executive Directors 王非（主席）黃文勝（副主席）陳宇（總經理） WANG Fei(Chairman)HUANG Wensheng(Vice Chairman)CHEN Yu(General Manager) 非執行董事 Non-executive Directors 韓孝捷楊敬朝 HON Hau ChitYANG Jingchao 獨立非執行董事 Independent Non-executive Directors 葉啟明張文海梁創順 IP Kai MingCHEUNG Man HoiLEUNG Chong Shun 審核委員會 AUDIT COMMITTEE 張文海（主席）葉啟明梁創順 CHEUNG Man Hoi(Chairman)IP Kai MingLEUNG Chong Shun REMUNERATION COMMITTEE 薪酬委員會 葉啟明（主席）張文海梁創順陳宇陳廣宇 IP Kai Ming(Chairman)CHEUNG Man HoiLEUNG Chong ShunCHEN YuCHAN Kwong Yu NOMINATION COMMITTEE 提名委員會 王非（主席）葉啟明張文海梁創順 WANG Fei(Chairman)IP Kai MingCHEUNG Man HoiLEUNG Chong Shun 授權代表 AUTHORISED REPRESENTATIVE WANG FeiTSE Ching WahIP Kai Ming(Alternate to WANG Fei) 王非謝靜華葉啟明（王非替任代表） 公司秘書 COMPANY SECRETARY 謝靜華 TSE Ching Wah 核數師 AUDITOR 德勤•關黃陳方會計師行（於《財務匯報局條例》下的註冊公眾利益實體核數師） Deloitte Touche Tohmatsu(Public Interest Entity Auditor registered in accordancewith the Financial Reporting Council Ordinance) 法律顧問 LEGAL ADVISOR 的近律師行 Deacons 主要往來銀行 PRINCIPAL BANKERS 廈門國際銀行股份有限公司澳門國際銀行股份有限公司集友銀行有限公司招商銀行股份有限公司中國建設銀行（亞洲）股份有限公司中信銀行（國際）有限公司中國銀行（香港）有限公司平安銀行股份有限公司 Xiamen International Bank Co., Ltd.Luso International Banking LimitedChiyu Banking Corporation LimitedChina Merchants Bank Co., Ltd.China Construction Bank (Asia) Corporation LimitedChina Citic Bank International LimitedBank of China (Hong Kong) LimitedPing An Bank Co., Ltd. 股份過戶登記處 SHARE REGISTRAR 卓佳標準有限公司香港夏愨道16號遠東金融中心17樓 Tricor Standard Limited17th Floor, Far East Finance Centre16 Harcourt RoadHong Kong REGISTERED OFFICE 註冊辦事處 香港中環紅棉路8號東昌大廈17樓電話：(852) 2521 5671傳真：(852) 2530 5488網址：www.minxin.com.hk電郵：mxhl.enquiry@minxin.com.hk 17th Floor, Fairmont House8 Cotton Tree DriveCentral, Hong KongTel:(852) 2521 5671Fax:(852) 2530 5488Website:www.minxin.com.hkEmail:mxhl.enquiry@minxin.com.hk 股份上市 SHARE LISTING 香港聯合交易所有限公司主板股份代號：222 Main Board of The Stock Exchange of Hong Kong LimitedStock Code: 222 ˴ࢩజѓࣣCHAIRMAN’S STATEMENT 本人欣然宣佈本集團2023年上半年的未經審核中期業績。 I am pleased to announce the unaudited interim results ofthe Group for the first half of 2023. 2023年上半年，國際地緣政治局勢不穩及衝突持續、美國緊縮貨幣政策、主要央行多次加息行動、以及通脹壓力，令經濟活動持續受壓，營商環境充滿挑戰。 I n t h e f i r s t h a l f o f 2 0 2 3 , t h e o n g o i n g i n t e r n a t i o n a lgeopolitical instabilities and conflicts, a contractionary U.S.monetary policy coupled with successive interest rate hikesby leading central banks and the inflationary pressurescontinue to weigh on economic ac tivities and br ingchallenges to the business environment. 我們的表現 OUR PERFORMANCE 面對宏觀經濟形勢帶來的挑戰及不確定的市場環境，我們緊密跟蹤市場動態，審慎地開展業務以降低營運風險。截至2023年6月30日止六個月，本集團錄得未經審核本公司股東（「股東」）應佔溢利港幣11,552萬元，比2022年同期下跌51.8%，主要由於(i)廈門國際銀行股份有限公司（「廈銀」）的股東應佔溢利下跌及人民幣兌港元匯率貶值的綜合影響， 導 致 本 集 團 截 至2023年6月30日 止 六個月應佔廈銀業績比較2022年同期減少；及(ii)本公司所持廈銀的股權於2023年3月從約8.8543%被攤薄至約8.689%，確認一次性攤薄虧損。每股基本盈利港幣19.34仙。 In face of the challenges posed by the macroeconomicsituation and the uncertain market environment, we keptabreast of market development and conducted our businessprudently to minimise operational risks. For the six monthsended 30 June 2023, the Group recorded an unauditedprofit attributable to shareholders of the Company (the“Shareholders”) of HK$115.52 million, decreased by 51.8%when compared to the corresponding period in 2022,mainly due to (i) the decrease in share of results of XiamenInternational Bank Co., Ltd. (“XIB”) for the six monthsended 30 June 2023 as compared to the correspondingperiod in 2022 due to the combined effects of the decreasein the profit attributable to shareholders of XIB and thedevaluation of Renminbi against Hong Kong dollars; and(ii) the recognition of the one-off loss on dilution of theCompany’s shareholding in XIB from approximately 8.8543%to 8.689% in March 2023. Basic earnings per share was 19.34HK cents. 董事持續關注股東的訴求及致力提高股東的回報。董事建議於2023年7月14日派發2022年度末期股息每股港幣12仙，於2023年6月13日召開的本公司股東週年大會上獲得股東決議通過，給股東帶來穩定及可持續的回報。 The Directors continue to pay attention to Shareholders’demands and strive to improve Shareholders’ returns. TheDirectors recommended the payment of the final dividendfor 2022 of 12 HK cents per share on 14 July 2023 and passedby the Shareholders at the annual general meeting of theCompany held on 13 June 2023, which brought stable andsustainable returns to the Shareholders. 我們的表現（續） OUR PERFORMANCE(Continued) 於2023年6月30日，本集團的總資產錄得港幣92.8億元，比較2022年年底的港幣92.2億元上升0.7%。 Total assets of the Group recorded an increase of 0.7% toHK$9.28 billion