新世纪集团2026年报

ANNUAL REPORT2026 目錄Contents Corporate Information2公司資料Group Structure4集團架構Key Financial Highlights5重要財務撮要Chairman’s Statement7主席報告書Management Discussion and Analysis11管理層討論與分析Corporate Governance Report30企業管治報告Environmental, Social and Governance Report65環境、社會及管治報告Report of the Directors100董事會報告Independent Auditor’s Report117獨立核數師報告Consolidated Statement of Profit or Loss127綜合損益表Consolidated Statement of Comprehensive Income128綜合全面收益表Consolidated Statement of Financial Position129綜合財務狀況表Consolidated Statement of Changes in Equity131綜合權益變動表Consolidated Statement of Cash Flows133綜合現金流量表Notes to Financial Statements136財務報表附註Five Year Financial Summary265五年財務概要Particulars of Properties267物業詳情 New Century Group Hong Kong Limited ．新 世 紀 集 團 香 港 有 限 公 司Annual Report 2026年報 CORPORATE INFORMATION公司資料 董事會 BOARD OF DIRECTORSExecutive Directors 執行董事 黃偉傑先生（主席）蕭潤群女士（副主席）黃琇蘭女士（營運總裁）黃莉蓮女士陳格緻女士余偉文先生黃詩婷女士 Mr. Ng Wee Keat(Chairman)Ms. Sio Ion Kuan(Deputy Chairman)Ms. Ng Siew Lang, Linda(Chief Operating Officer)Ms. Lilian NgMs. Chen Ka CheeMr. Yu Wai ManMs. Huang Si Teng 獨立非執行董事 Independent Non-executive Directors 張鎮國先生關啟健先生何友明先生黃卓雄先生 Mr. Cheung Chun KwokMr. Kwan Kai Kin, KennethMr. Ho Yau MingMr. Wong Steve Cheuk Hung 審核委員會 AUDIT COMMITTEE Mr. Cheung Chun Kwok(Chairman)Mr. Kwan Kai Kin, KennethMr. Ho Yau MingMr. Wong Steve Cheuk Hung 張鎮國先生（主席）關啟健先生何友明先生黃卓雄先生 薪酬委員會 REMUNERATION COMMITTEE 張鎮國先生（主席）關啟健先生何友明先生黃卓雄先生黃偉傑先生陳格緻女士 Mr. Cheung Chun Kwok(Chairman)Mr. Kwan Kai Kin, KennethMr. Ho Yau MingMr. Wong Steve Cheuk HungMr. Ng Wee KeatMs. Chen Ka Chee 提名委員會 NOMINATION COMMITTEE 黃偉傑先生（主席）陳格緻女士張鎮國先生關啟健先生何友明先生黃卓雄先生 Mr. Ng Wee Keat(Chairman)Ms. Chen Ka CheeMr. Cheung Chun KwokMr. Kwan Kai Kin, KennethMr. Ho Yau MingMr. Wong Steve Cheuk Hung 環境、社會及管治委員會 ENVIRONMENTAL, SOCIAL AND GOVERNANCECOMMITTEE （於二零二五年九月十五日成立） (Established on 15 September 2025)Mr. Ng Wee Keat(Chairman)(appointed on 15 September 2025)Mr. Yu Wai Man(appointed on 15 September 2025)Mr. Cheung Chun Kwok(appointed on 15 September 2025) 黃偉傑先生（主席）（於二零二五年九月十五日獲委任）余偉文先生（於二零二五年九月十五日獲委任）張鎮國先生（於二零二五年九月十五日獲委任） 公司秘書吳雪儀女士 COMPANY SECRETARYMs. Ng Suet Yi 註冊辦事處 REGISTERED OFFICEClarendon House2 Church StreetHamilton HM 11Bermuda Clarendon House2 Church StreetHamilton HM 11Bermuda 總辦事處及主要營業地點 HEAD OFFICE AND PRINCIPAL PLACE OF BUSINESS 香港干諾道中168-200號信德中心西翼38樓3808室 Unit 3808, 38th FloorWest Tower, Shun Tak Centre168-200 Connaught Road CentralHong Kong 主要往來銀行 PRINCIPAL BANKERS 渣打銀行（香港）有限公司星展銀行（香港）有限公司恒生銀行有限公司東亞銀行有限公司 Standard Chartered Bank (Hong Kong) LimitedDBS Bank (Hong Kong) LimitedHang Seng Bank LimitedThe Bank of East Asia, Limited 香港法律顧問 陳馮吳律師事務所有限法律責任合夥 HONG KONG LEGAL ADVISERCFN Lawyers LLP 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 AUDITOR Ernst & YoungCertified Public AccountantsRegistered Public Interest Entity Auditor 主要股份過戶登記處 PRINCIPAL SHARE REGISTRAR ANDTRANSFER OFFICE Conyers Corporate Services (Bermuda) LimitedClarendon House2 Church StreetHamilton HM 11Bermuda Conyers Corporate Services (Bermuda) LimitedClarendon House2 Church StreetHamilton HM 11Bermuda 香港股份過戶登記分處 HONG KONG BRANCH SHARE REGISTRAR ANDTRANSFER OFFICE 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 Tricor Investor Services Limited17/F, Far East Finance Centre16 Harcourt RoadHong Kong 股份代號234 STOCK CODE234 網址www.ncgrp.com.hk WEBSITEwww.ncgrp.com.hk KEY FINANCIAL HIGHLIGHTS重要財務撮要 附註：截至二零二二年三月三十一日止 年 度 的 財務資料已經重列，以反映截至二零二三年及二零二四年三月三十一日止年度之一項已終止經營業務的影響。 Note:The financial information for the year ended 31 March 2022 hasbeen restated to reflect the effect of a discontinued operationduring the years ended 31 March 2023 and 2024. 各位股東： Dear Shareholders, Onbehalf of the board of directors,I present the annualresultsof New Century Group Hong Kong Limited(the“Company”)and its subsidiaries(the“Group”)for the yearended31 March 2026(the“Year”).During the Year,theGroup continued to focus on its core businesses of moneylending,property investment and securities trading amid amarket environment that remained highly competitive. 本人謹代表董事會提呈新世紀集團香港有限公 司（「本 公 司」）及 其 附 屬 公 司（「本 集 團」）截至二零二六年三月三十一日止年度（「本年度」）之全年業績。於本年度，在競爭仍然非常激烈之市場環境下，本集團繼續專注於其放債、物業投資及證券買賣的核心業務。 應對充滿挑戰的經營環境 NAVIGATING A CHALLENGING OPERATINGENVIRONMENT 於本年度，在經濟增長、訪客流量增加及零售活動出現改善跡象的支持下，香港經濟逐漸 復 甦。儘 管 如 此，商 業 氣 氛 仍 然 低 迷，物業市場面對持續壓力及優質貸款機會之競爭有所加劇。地緣政治緊張局勢及衝突相關的不明朗因素亦影響到較廣泛的宏觀經濟環境。 Forthe Year,Hong Kong’s economy experienced a gradualrecovery,supported by economic growth,improved visitortraffic and signs of improvement in retail activity. Nevertheless,business sentiment remained subdued, the property marketfacedongoing pressure and competition for quality lendingopportunities intensified. Geopolitical tensions and conflict-relateduncertaintiesalso weighed on the broader macroeconomicenvironment. 該等發展反映經濟復甦不均。儘管消費支出及整體經濟活動有所改善，惟多個行業仍繼續面對結構性變化、審慎的資本運用及資產價值壓力。此等影響在商業物業及信貸行業尤 為 明 顯，在 該 等 行 業，信 心 恢 復 步 伐 較慢，市場行為依然對價格敏感。 These developments reflected an uneven economic recovery.Whileconsumer spending and overall activity improv