金邦达宝嘉二零二三年年报

CONTENTS目錄 12Management Discussion and Analysis 2Corporate Information 5Financial Highlights28Directors and Senior Management 62023 Major Events2023 40Environmental, Social and Governance Report 194Consolidated Statement of Changes in Equity 153Corporate Governance Report 196Consolidated Statement of Cash Flows 178Independent Auditor’s Report 190Consolidated Statement of Profit or Loss andOther Comprehensive Income 198Notes to the Consolidated Financial Statements 312Financial Summary 192Consolidated Statement of Financial Position PLACE OF LISTING 上市地點 聯交所 The Stock Exchange of Hong Kong Limited (the “Stock Exchange”) 股份代號 STOCK CODE 3315 3315 執行董事 EXECUTIVE DIRECTORS Mr. LU Run Ting(Chairman)Mr. HOU PingMr. LU RunyiMr. WU SiqiangMr. LU Wai LimMs. LI Yijin 獨立非執行董事 INDEPENDENT NON-EXECUTIVE DIRECTORS Mr. MAK Wing Sum AlvinMs. YE LuMr. LAI Tung Kwok 審核委員會 AUDIT COMMITTEE Mr. MAK Wing Sum Alvin(chairman)Ms. YE LuMr. LAI Tung Kwok 薪酬委員會 REMUNERATION COMMITTEE Ms. YE Lu(chairman)Mr. LU Run TingMr. MAK Wing Sum Alvin NOMINATION COMMITTEE 提名委員會 Mr. LU Run Ting(chairman)Mr. HOU PingMr. MAK Wing Sum AlvinMs. YE LuMr. LAI Tung Kwok 02Goldpac Group LimitedAnnual Report2023 法律顧問 LEGAL ADVISOR 1016–19 Mayer Brown16th–19th Floors, Prince’s Building10 Chater RoadCentralHong Kong 核數師 AUDITOR 22 PricewaterhouseCoopersCertified Public AccountantsRegistered Public Interest Entity Auditor22nd Floor, Prince’s BuildingCentralHong Kong COMPANY SECRETARY 公司秘書 Ms. LI Yijin 授權代表 AUTHORISED REPRESENTATIVES Mr. LU Run TingMs. LI Yijin 主要銀行 PRINCIPAL BANKERS Bank of China (Hong Kong) LimitedNanyang Commercial Bank LimitedBank of China LimitedIndustrial and Commercial Bank of China LimitedAgricultural Bank of China LimitedBank of Communications Co., Ltd.Postal Savings Bank of China Limited REGISTERED OFFICE, HEADQUARTERS ANDPRINCIPAL PLACE OF BUSINESS IN HONGKONG 註冊辦事處、總部及在香港的主要營業地點 56131301 Room 1301, 13th FloorBank of East Asia Harbour View CentreNo. 56 Gloucester Road, Wanchai, Hong Kong 香港股份過戶登記處及股東名冊登記處 HONG KONG SHARE REGISTRAR ANDTRANSFER OFFICE Tricor Investor Services Limited17/F, Far East Finance Centre16 Harcourt RoadHong Kong 1617 公司網址www.goldpac.com COMPANY WEBSITE www.goldpac.com 投資者關係goldpac@goldpac.com INVESTOR RELATION Email: goldpac@goldpac.com INNOVATION DRIVEN BY TECHNOLOGY科技驅動創新發展 UMV202350Goldpac waslisted as one ofthe country’stop fintechenterprisesin the 2023KPMG Chinaleading Fintech50 Election inrecognitionof our UMVplatform. AIGoldpac’s ”AI Credit CardCustomisation Solutions” washonoured with the InnovationCompetitiveness Product title inthe China Digital and SoftwareServices Awards, further enhancingthe advancements of the financialservices industry. 2023Goldpac’s ”Low-carbon SecurePayment Solution” was awardedthe Green DevelopmentDemonstration Award by the 2023China International Fair for Trade inServices (CIFTIS). 2023 ESGGoldpac’s effective ESGpractices were recognisedwith the OutstandingCorporate SocialResponsibility Award for thesecond consecutive year. Goldpac was shortlisted as aproject supplier of the ChinaUnionPay Card Product Planning &Service Programme. Its work helpsto strengthen the capabilities inthe entire-industry-chain servicesfor credit cards. Trustech Paris 2023SeamlessEurope 2023, Seamless Middle East 2023Goldpac raised its international presence byexhibiting at some of the most prominenttrade events in the finance sector includingSeamless Europe 2023, Seamless Middle East2023, Trustech Paris 2023, among others. ICMA Our stunning card effects werehonoured with three ICMA ÉlanAwards in 2023, once againdemonstrating our excellent design andinnovation capabilities. 2023•G Goldpac was honoured with the2023 CLS ZhiYuan – CorporateGovernance Pioneer EnterpriseAward, reinforcing our competitiveadvantages in sustainabledevelopments. CMMI L5Goldpac successfully passed theCMMI Maturity Level 5 reassessmentfor continuous improvements inour software delivery quality andcapabilities. Goldpac, in cooperation with the Bank of China, constructed the digital currencyinnovation pilot site, establishing a digital currency ecosystem in the Guangdong –Hong Kong – Macao Greater Bay Area. Dear Shareholders, Onbehalf of the board of directors(the“Directors”and“Board”,respectively)ofGoldpac Group Limited (the “Company”), I amdelighted to present the Annual Report of theCompany and its subsidiaries (the “Group”) forthe year ended 31 December 2023. 尊敬的各位股東： 董 事董 事 會本 公 司本 集 團202312 31 Chairman & Executive Director:董事會主席兼執行董事： LU Run Ting盧閏霆 CHAIRMAN’S STATEMENT主席報告 301000202350 Over the past 30 years, the Group has won the trust and supportof over 1,000 financial institutions and other customers worldwidethrough its solid and steady developments, achieving compellingresults and stable shareholder returns. At present, digitalisationhas taken the world by storm, and the rapid development ofartificial intelligence (“AI”) has brou