金邦达宝嘉中期报告2024

Contents 2Corporate Information4Performance Highlights5Management Discussion and Analysis16Directors17Corporate Governance and Other Information26Report on Review of Interim Financial Information28Condensed Consolidated Statement of Profit or Loss andOther Comprehensive Income29Condensed Consolidated Statement of Financial Position31Condensed Consolidated Statement of Changes in Equity33Condensed Consolidated Statement of Cash Flows34Notes to the Condensed Consolidated Financial Information Corporate Information企業資料 PLACE OF LISTING The Stock Exchange of Hong Kong Limited (the “Stock Exchange”) 3315 STOCK CODE3315 EXECUTIVE DIRECTORS Mr. LU Run Ting(Chairman)Mr. HOU PingMr. LU RunyiMr. WU SiqiangMr. LU Wai LimMs. LI Yijin INDEPENDENT NON-EXECUTIVE DIRECTORS 20245212024521 Mr. MAK Wing Sum Alvin(retired on 21 May 2024)Ms. YE LuMr. LAI Tung KwokMr. JIANG Li(appointed on 21 May 2024) AUDIT COMMITTEE Mr. MAK Wing Sum Alvin(Chairman) (retired on 21 May 2024)Mr. JIANG Li(Chairman) (appointed on 21 May 2024)Ms. YE LuMr. LAI Tung Kwok 20245212024521 REMUNERATION COMMITTEEMs. YE Lu(Chairman) Mr. LU Run TingMr. MAK Wing Sum Alvin(retired on 21 May 2024)Mr. JIANG Li(appointed on 21 May 2024) 20245212024521 NOMINATION COMMITTEE Mr. LU Run Ting(Chairman)Mr. HOU PingMr. MAK Wing Sum Alvin(retired on 21 May 2024)Ms. YE LuMr. LAI Tung KwokMr. JIANG Li(appointed on 21 May 2024) 20245212024521 1016–19 LEGAL ADVISOR Mayer Brown16th–19th Floors, Prince’s Building10 Chater RoadCentralHong Kong AUDITOR 22 PricewaterhouseCoopersCertified Public AccountantsRegistered Public Interest Entity Auditor22nd Floor, Prince’s BuildingCentralHong Kong COMPANY SECRETARY 20244232024423 Ms. LI Yijin(resigned on 23 April 2024)Ms. HUANG Minjie(appointed on 23 April 2024) AUTHORISED REPRESENTATIVES Mr. LU Run TingMs. LI Yijin(resigned on 23 April 2024)Ms. HUANG Minjie(appointed on 23 April 2024) 20244232024423 PRINCIPAL BANKERS Bank of China (Hong Kong) LimitedNanyang Commercial Bank LimitedBank of China LimitedIndustrial and Commercial Bank of China LimitedThe Agricultural Bank of China LimitedBank of Communications Co., Ltd.Postal Savings Bank of China REGISTERED OFFICE, HEADQUARTERSAND PRINCIPAL PLACE OF BUSINESSIN HONG KONG 56131301 Room 1301, 13th FloorBank of East Asia Harbour View CentreNo. 56 Gloucester Road, Wanchai, Hong Kong 1617 HONG KONG SHARE REGISTRAR ANDTRANSFER OFFICE Tricor Investor Services Limited17th Floor, Far East Finance Centre16 Harcourt Road, Hong Kong www.goldpac.com COMPANY WEBSITEwww.goldpac.com goldpac@goldpac.com INVESTOR RELATIONEmail: goldpac@goldpac.com Performance Highlights業績聚焦 REVENUE OF EMBEDDEDSOFTWARE AND SECURE PAYMENTPRODUCTS SEGMENT REVENUE OF PLATFORM ANDSERVICE SEGMENT Management Discussion and Analysis管理層討論及分析 Reinforcing Confidence to Accelerate theImplementation of Digital and Platform-BasedStrategy 202420247 In the first half of 2024, geopolitical tensions continued and policydivergences became more prominent. According to theWorldEconomic Outlook published by The International Monetary Fund inJuly 2024, global manufacturing remained subdued, inflation in pricesfor services was more persistent and commodity prices surged. Theeconomic growth of developed economies was slower than projected.Developing countries were also facing continuous deceleration ineconomic growth, as well as obstacles posed by insufficient effectivedemand and prudent consumer behaviour in the Chinese mainlandmarket. Therefore, the world economy is facing more prominentnear-term and mid-term challenges, leading to an unclear outlook. 2024 Since China is one of the largest economies and markets for paymentsolutions in the world, it continues to be one of the main markets thatthe Group focused its efforts on. In the first half of 2024, the Chinesegovernment enhanced anti-fraud efforts, leading to a more guardedattitude towards credit card issuance. The banking industry havingfocused on cultivating its existing user market combined with theimpact of insufficient effective demand and reduced consumption inChina, resulting in a decline in the number of newly issued credit cardsin the Chinese market. Meanwhile, the factors above contributed tothe acceleration of the digital transformation in the banking industry,leading financial institutions to grasp opportunities spawned from theintegration of sci-tech innovation and industry development, pavinga way for breakthroughs from underlying logic to transformativebusiness operational models. In the face of such a complex macro-environment, the Group willclosely monitor the movement of payment markets, accelerate theimplementation of its digital and platform-based strategy, and adaptits product structure to maintain its core business scale. As financialinstitutions around the globe are undergoing digital transformation,the Group will harness development opportunities by investing greaterefforts into fintech innovation, reinforcing confid