金邦达宝嘉二零二四年年报

CONTENTS目錄 2Corporate Information5Financial Highlights62024 Major Events20248Chairman’s Statement11Management Discussion and Analysis26Directors and Senior Management38Environmental, Social and Governance Report104Report of Directors 158Corporate Governance Report183Independent Auditor’s Report195Consolidated Statement of Profit or Loss andOther Comprehensive Income197Consolidated Statement of Financial Position 199Consolidated Statement of Changes in Equity201Consolidated Statement of Cash Flows203Notes to the Consolidated Financial Statements316Financial Summary 上市地點 PLACE OF LISTING 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 Alvin(retired on 21 May 2024)Ms. YE LuMr. LAI Tung KwokMr. JIANG Li(appointed on 21 May 2024) 20245212024521 AUDIT COMMITTEE 審核委員會 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 薪酬委員會 REMUNERATION COMMITTEE Ms. 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 提名委員會 NOMINATION COMMITTEE 20245212024521 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) 02Goldpac Group LimitedAnnual Report2024 法律顧問 LEGAL ADVISOR Johnson Stokes & Master16th–18th Floors, Prince’s Building10 Chater RoadCentralHong Kong 1016–18 核數師 AUDITOR 22 PricewaterhouseCoopersCertified Public AccountantsRegistered Public Interest Entity Auditor22nd Floor, Prince’s BuildingCentralHong Kong COMPANY SECRETARY 公司秘書 20244232024423 Ms. LI Yijin(resigned on 23 April 2024)Ms. HUANG Minjie(appointed on 23 April 2024) 授權代表 Mr. LU Run TingMs. LI Yijin(resigned on 23 April 2024)Ms. HUANG Minjie(appointed on 23 April 2024) 20244232024423 PRINCIPAL BANKERS 主要銀行 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 註冊辦事處、總部及在香港的主要營業地點 REGISTERED OFFICE, HEADQUARTERS ANDPRINCIPAL PLACE OF BUSINESS IN HONGKONG 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 www.goldpac.com 投資者關係goldpac@goldpac.com INVESTOR RELATION Email: goldpac@goldpac.com Shanghai UMVSuccessfully organisedthe “Accomplishing BankDigital Transformationthrough Fintech OutsourcingWorkshop” in three cities,and the UMV platformwas highly recognised andgenerally accepted by bankcustomers. 2024 ICMA20Goldpac once again was honoured withfour ICMA Élan Awards in 2024, continuingits winning streak of Élan Awards for 20consecutive years. 2024 - Goldpac was honoured with the Silver Prizeat the 35thHong Kong Print Awards forthe luxury card effects of colour canvas onmetal cards. UMV2024The UMV platform was awardedthe Development Potential ServiceDemonstration Case in the 2024China International Fair for Tradein Services, leading towards a newfuture of digital and intellectualpayments. 2024-(G)ESG Goldpac was honoured withthe 2024 CLS ZhiYuan –Corporate Governance PioneerEnterprise Award, excelling asthe industry benchmark in ESGpractices. 2024Goldpac was listed as oneof the 2024 KPMG ChinaCorporate GovernancePioneers. 2024SeamlessEurope 2024Seamless Dubai 2024 Goldpac continued to enhance its internationalpresence by exhibiting at some of the mostprominent trade events in the fintech sectorincluding InnoEX 2024, Seamless Europe 2024,Seamless Dubai 2024, among others. “” Wind ESGAGoldpac received an A ratingby Wind ESG, demonstratingits strength in sustainabledevelopment. Catering to requests from theMinistry of Human Resourcesand Social Security to integratethe foreigner's work permitinto the social security card,Goldpac issued the “Join inCard”, launching a new chapterof diversified payment servicesto also fulfil welfare and identityfeatures. Goldpac launched SmartDriving Licence Kiosk in theGuangdong-Hong Kong-MacaoGreater Bay Area to providea one-stop driver’s licenceprocessing service, beginningan era of smart driver’s licenceissuance and implementation. LU Run Ting盧閏霆 Chairman & Executive Director董事會主席兼執行董事 CHAIRMAN’S STATEMENT主席報告 In 2024, the Group was faced with some of the most challengingpressure since its listing in 2013. The downturn of the globaleconomy combined with uncertainties in the industry posed greaterdifficulties to the Group’s operations in 2024. 202420132024 Sinceits e