GOLDPAC GROUP LIMITED金邦達寶嘉控股有限公司ANNUAL REPORT 2023 年報 2Corporate Information企業資料5Financial Highlights財務摘要62023 Major Events2023年大事記8Chairman’s Statement主席報告12Management Discussion and Analysis管理層討論及分析28Directors and Senior Management董事及高級管理層40Environmental, Social and Governance Report環境、社會及管治報告99Report of Directors董事會報告CONTENTS目錄 153Corporate Governance Report企業管治報告178Independent Auditor’s Report獨立核數師報告190Consolidated Statement of Profit or Loss and Other Comprehensive Income綜合損益及其他全面收入表192Consolidated Statement of Financial Position綜合財務狀況表194Consolidated Statement of Changes in Equity綜合權益變動表196Consolidated Statement of Cash Flows綜合現金流量表198Notes to the Consolidated Financial Statements綜合財務報表附註312Financial Summary財務概要 02Goldpac Group Limited Annual Report 2023CORPORATE INFORMATION企業資料上市地點香港聯合交易所有限公司（「聯交所」）股份代號3315執行董事盧閏霆先生（主席）侯 平先生盧潤怡先生吳思強先生盧威廉先生李易進女士獨立非執行董事麥永森先生葉 淥女士黎棟國先生審核委員會麥永森先生（主席）葉 淥女士黎棟國先生薪酬委員會葉 淥女士（主席）盧閏霆先生麥永森先生提名委員會盧閏霆先生（主席）侯 平先生麥永森先生葉 淥女士黎棟國先生PLACE OF LISTINGThe Stock Exchange of Hong Kong Limited (the “Stock Exchange”)STOCK CODE3315EXECUTIVE DIRECTORSMr. LU Run Ting (Chairman)Mr. HOU PingMr. LU RunyiMr. WU SiqiangMr. LU Wai LimMs. LI YijinINDEPENDENT NON-EXECUTIVE DIRECTORSMr. MAK Wing Sum AlvinMs. YE LuMr. LAI Tung KwokAUDIT COMMITTEEMr. MAK Wing Sum Alvin (chairman)Ms. YE LuMr. LAI Tung KwokREMUNERATION COMMITTEEMs. YE Lu (chairman)Mr. LU Run TingMr. MAK Wing Sum AlvinNOMINATION COMMITTEEMr. LU Run Ting (chairman)Mr. HOU PingMr. MAK Wing Sum AlvinMs. YE LuMr. LAI Tung Kwok 03FinancialStatements財務報告Corporate GovernanceReport企業管治報告Report ofDirectors董事會報告Environmental,Social and Governance Report環境、社會及管治報告Directors and SeniorManagement董事及高級管理層Management Discussionand Analysis管理層討論及分析Chairman’sStatement主席報告2023Major Events2023年大事記FinancialHighlights財務摘要CorporateInformation企業資料CORPORATE INFORMATION (CONTINUED)企業資料（續）金邦達寶嘉控股有限公司
二ཧ二三年年報LEGAL ADVISORMayer Brown16th–19th Floors, Prince’s Building10 Chater RoadCentralHong KongAUDITORPricewaterhouseCoopersCertified Public AccountantsRegistered Public Interest Entity Auditor22nd Floor, Prince’s BuildingCentralHong KongCOMPANY SECRETARYMs. LI YijinAUTHORISED REPRESENTATIVESMr. LU Run TingMs. LI YijinPRINCIPAL BANKERSBank 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法律顧問孖士打律師行香港中環遮打道10號太子大廈16–19樓核數師羅兵咸永道會計師事務所執業會計師註冊公眾利益實體核數師香港中環太子大廈22樓公司秘書李易進女士授權代表盧閏霆先生李易進女士主要銀行中國銀行（香港）有限公司南洋商業銀行有限公司中國銀行股份有限公司中國工商銀行股份有限公司中國農業銀行交通銀行股份有限公司中國郵政儲蓄銀行 04CORPORATE INFORMATION (CONTINUED)企業資料（續）Goldpac Group Limited Annual Report 2023註冊辦事處、總部及在香港的 主要營業地點香港灣仔告士打道56號東亞銀行港灣中心13層1301室香港股份過戶登記處及 股東名冊登記處卓佳證券登記有限公司香港夏愨道16號遠東金融中心17樓公司網址www.goldpac.com投資者關係電郵：goldpac@goldpac.comREGISTERED OFFICE, HEADQUARTERS AND PRINCIPAL PLACE OF BUSINESS IN HONG KONGRoom 1301, 13th FloorBank of East Asia Harbour View CentreNo. 56 Gloucester Road, Wanchai, Hong KongHONG KONG SHARE REGISTRAR AND TRANSFER OFFICETricor Investor Services Limited17/F, Far East Finance Centre16 Harcourt RoadHong KongCOMPANY WEBSITEwww.goldpac.comINVESTOR RELATIONEmail: goldpac@goldpac.com 05FinancialStatements財務報告Corporate GovernanceReport企業管治報告Report ofDirectors董事會報告Environmental,Social and Governance Report環境、社會及管治報告Directors and SeniorManagement董事及高級管理層Management Discussionand Analysis管理層討論及分析Chairman’sStatement主席報告2023Major Events2023年大事記FinancialHighlights財務摘要CorporateInformation企業資料金邦達寶嘉控股有限公司 二零二三年年報FINANCIAL HIGHLIGHTS財務摘要CONSOLIDATED RESULTS 綜合業績For the year ended31 December截至12月31日止之年度20232022ChangeRMB’000RMB’000變化人民幣千元人民幣千元 Revenue收入1,416,5731,530,251-7.4% Profit for the year attributable to owners of the Company本公司擁有人應佔 年度利潤132,051147,427-10.4% Net profit margin淨利率10.7%10.5%+0.2PP百分點 REVENUE ANALYSIS 收入分析For the year ended31 December截至12月31日止之年度20232022ChangeRMB’000RMB’000變化人民幣千元人民幣千元 Embedded software and secure payment products嵌入式軟件和安全 支付產品949,7811,009,115-5.9%Platform and service平台及服務466,792521,136-10.4% Total合計1,416,5731,530,251-7.4% FINANCIAL POSITIONS 財務狀況At 31 December於12月31日20232022ChangeRMB’000RMB’000變化人民幣千元人民幣千元 Total assets總資產2,693,9072,813,857-4.3%Total liabilities總負債(598,836)(743,294)-19.4% Net assets淨資產2,095,0712,070,563+1.2% 06Goldpac Group Limited Annual Report 20232023 MAJOR EVENTS2023年大事記INNOVATION DRIVEN BY TECHNOLOGY科技驅動創新發展金邦達憑藉UMV平台榮登2023年畢馬威中國金融科技企業雙50榜單Goldpac was listed as one of the country’s top fintech enterprises in the 2023 KPMG China leading Fintech 50 Election in recognition of our UMV platform.金邦達「基於AI應用的信用卡個性定制解決方案」榮獲「中國數字與軟件服務業創新競爭力產品獎」，助推銀行金融服務創新Goldpac’s ”AI Credit Card Customisation Solutions” was honoured with the Innovation Competitiveness Product title in the China Digital and Software Services Awards, further enhancing the advancements of the financial services industry.金邦達「安全支付環保零碳解決方案 」榮 獲2023年中國國際服務貿易交易會綠色發展服務示範案例獎Goldpac’s ”Low-carbon Secure Payment So