众安集团二零二三年年报

CONTENTS目錄Zhong An Group Limited 2023 Annual ReportCONTENTS目錄 Pages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74Directors’ Report董事會報告80Independent Auditor’s Report獨立核數師報告107Consolidated Statement of Profit or Loss合併損益表113Consolidated Statement of Comprehensive Income合併全面收益表114Consolidated Statement of Financial Position合併財務狀況表115Consolidated Statement of Changes in Equity合併權益變動表117Consolidated Statement of Cash Flows合併現金流量表118Notes to Financial Statements財務報表附註121Properties Held for Investment持作投資的物業286Properties Held for Development and/or Sale持作發展及╱或銷售的物業288Summary of Financial Information財務資料概要300 Zhong An Group Limited 2023 Annual Report22Corporate Information公司資料 33Zhong An Group Limited 2023 Annual Report眾安集團有限公司 二零二三年年報Taizhou • Harmony Mirror of Mountains and Sea台州 • 山海映和 Corporate Information公司資料Zhong An Group Limited 2023 Annual Report44BOARD 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 PRC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 55Zhong An Group Limited 2023 Annual Report眾安集團有限公司 二零二三年年報Corporate Information (Continued)公司資料（續）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 2023 Annual Report66Corporate 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77Zhong An Group Limited 2023 Annual Report眾安集團有限公司 二零二三年年報Financial Highlights財務摘要 Year 2023二零二三年Year 2022二零二二年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11,669,30014,267,700 -18.2%Revenue 收入14,490,2329,250,49956.6%Profit for the Year年內利潤287,11421,4181,240.5%Profit Attributable to Owners of the Company本公司權益持有人應佔溢利479,442186,734156.8%The basic earnings per share (RMB Cents) 每股基本盈利（人民幣分)8.53.3Total Cash1總現金12,897,5146,633,387-56.3%Total Assets 總資產48,569,76859,096,852-17.8%Total Equity (Net Assets) 總權益（淨資產)12,955,20012,333,1645.0%Debt to Asset Ratio 負債比率73.3%79.1%Net Gearing Ratio2淨負債率243.1%65.8%Cash to Short-term Debt Ratio3現金短債比31.15 1.20 Debt to Asset Ratio after Advance Receivables4剔除預收款的資產負債率459.4%65.2%Current Ratio (Times) 流動比率（倍)1.231.251 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)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） Chairman’s Statement主席報告Zhong An Group Limited 2023 Annual Report88Chairman’s Statement主席報告 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 2023 (“2023”).REVIEW OF RESULTSThe audited consolidated revenue in 2023 was approximately RMB14,490.2 million, representing an increase of approximately 56.6% from that of 2022. The gross profit in 2023 was approximately RMB1,525.4 million and net profit was approximately RMB287.1 million, representing a significant increase by approximately 12 times from that of 2022. The profit attributable to owners of the parent company in 2023 was approximately RMB479.4 million, representing