今年以来，人民币国际化接连取得阶段性进展。先是4月8日至9日举行的东盟和中日韩（10+3）财政及 央行副手会，通过了在清迈倡议的变化机制下以人民币出资的法律安排，人民币正式成为共同基金池的 计价货币和贷款货币；随后在5月4日至5日，东盟与中日韩（10+3）财长和央行行长会进一步通过了在 清迈倡议多边化下，新设以人民币等可自由使用货币出资的快速融资工具相关安排，让人民币出资安排 进一步落实。 2000年东南亚金融危机刚刚结束，为更好地应对潜在金融风险，东盟10国和中日韩3国签署了清迈倡 议，构建双边货币互换网络，以在成员国面临外汇短缺或国际收支困境时相互提供流动性支持。2008年 5月，各国将松散的双边货币互换网络整合为多边资金共同救助机制，建立了外汇储备资金池，其规模 从初始的800亿美元逐步扩充到2400亿美元。简单来说，共同储备基金相当于亚洲版的国际货币基金组 织（IMF），承担最后贷款人功能。一旦成员国爆发金融危机，共同储备基金将给危机国提供贷款，遏 制危机进一步恶化。但需要强调的是，清迈倡议下的贷款支持没有附加条件，这一点与IMF贷款是不同 的。 笔者认为，此次清迈倡议新进展引入人民币出资安排，与20 ...

美元的疲软并非源自"海湖庄园协议"之类的某种协调性协议，而是由基本面等诸多变化推动的。随着各 国央行减少对美元的依赖，会增加对亚洲货币的配置。 新台币在前两个交易日对美元大涨9%后，6日下跌3%。 新台币的走势可谓亚洲货币的缩影和放大。有分析师表示，亚太货币近期波动更甚亚洲金融危机时期， 对外经常账户盈余最大的亚洲经济体的货币，恐受到"广场协议2.0"或所谓的"海湖庄园协议"影响更 大。但不论短期如何波动，一切的背后，最根本的是美元全球储备货币地位下降导致的全球资金重新配 置。 新台币波动堪比亚洲金融危机时期 伦敦证交所的数据显示，在前两个交易日飙升9%达到三年高点，且5日创下至少自1981年以来的最大单 日涨幅后，6日新台币对美元汇率下跌超过3%。三菱日联金融集团（MUFG）外汇策略师宛（Michael Wan）表示，新台币6日的回落主要是由于进口商对美元的需求回升。尽管6日表现疲软，但今年新台币 对美元仍上涨了8%以上。 景顺全球市场策略师朝（David Chao）称："我们看到部分亚洲经济体货币走势，比我们在亚洲金融危 机时期看到的更不稳定，更波动。"他表示，稍早新台币大幅上涨的主要原因是，随着美元的下 ...

目錄 | | 頁次 | | --- | --- | | 公司資料 | 2 | | 財務摘要 | 3 | | 主席報告 | 4 | | 管理層討論及分析 | 7 | | 環境、社會及管治報告 | 14 | | 企業管治報告 | 39 | | 董事會報告 | 62 | | 獨立核數師報告 | 75 | | 經審核財務報表 | | | 綜合損益表 | 81 | | 綜合全面收益表 | 82 | | 綜合財務狀況表 | 83 | | 綜合權益變動表 | 85 | | 綜合現金流量表 | 87 | | 財務報表附註 | 90 | 1 2024年年報 公司資料 執行董事 陳智思 （主席兼總裁） 陳智文 王覺豪 非執行董事 川內雄次 建守進 獨立非執行董事 歐陽杞浚 顏文玲 李律仁 審核委員會 顏文玲 （主席） 歐陽杞浚 李律仁 合規委員會 歐陽杞浚 （主席） 顏文玲 李律仁 陳智思 陳智文 薪酬委員會 李律仁 （主席） 歐陽杞浚 顏文玲 陳智思 王覺豪 提名委員會 董事會 歐陽杞浚 （主席） 顏文玲 李律仁 陳智思 王覺豪 風險委員會 李律仁 （主席） 歐陽杞浚 顏文玲 陳智思 王覺豪 公司秘書 蔣月華 核數師 安永會計 ...

Financial Performance - The total insurance revenue for the year ended December 31, 2024, was HKD 3,291,506,000, representing a 33.8% increase from HKD 2,456,378,000 in 2023[4] - The net insurance service expenses increased to HKD 2,461,250,000, up 25.2% from HKD 1,966,780,000 in the previous year[4] - The profit before tax for the year was HKD 754,334,000, which is a 74.8% increase compared to HKD 431,240,000 in 2023[5] - The net profit for the year was HKD 647,069,000, reflecting an 86.5% increase from HKD 346,753,000 in the prior year[5] - Basic and diluted earnings per share increased to HKD 0.697, up from HKD 0.372 in 2023, marking an increase of 87.2%[5] - Total revenue for 2024 reached HKD 3,713,909,000, a 34.5% increase from HKD 2,777,324,000 in 2023[11] - Profit before tax for 2024 was HKD 754,334,000, up from HKD 431,240,000 in 2023, representing a 74.9% increase[16] - Net profit for the year 2024 was HKD 647,069,000, compared to HKD 346,753,000 in 2023, indicating an increase of 86.5%[21] - The comprehensive income for the year totaled HKD 1,042,625,000, compared to a loss of HKD 53,816,000 in the previous year[6] Assets and Liabilities - Total assets as of December 31, 2024, amounted to HKD 6,333,555,000, a significant increase from HKD 5,035,394,000 in 2023[7] - The total equity attributable to shareholders was HKD 10,748,846,000, compared to HKD 9,677,999,000 in the previous year, indicating an increase of 11.0%[7] - The total liabilities increased to HKD 4,655,556,000 from HKD 4,286,548,000, representing an increase of 8.6%[7] - The company maintained a strong cash and bank balance of HKD 2.522 billion as of December 31, 2024[34] Dividends - The company declared a final dividend of HKD 83,219,000, up from HKD 46,453,000 in 2023, reflecting a 79.2% increase[7] - The company plans to declare a final dividend of HKD 0.09 per share for 2024, up from HKD 0.05 per share in 2023[20] - The total dividend per share for the year was HKD 0.145, which is a 61.1% increase from the previous year[32] - The board proposed a final dividend of HKD 0.09 per share, up from HKD 0.05 in 2023, resulting in a total annual dividend of HKD 0.145 per share for 2024, compared to HKD 0.09 in 2023[60] Insurance Operations - The company reported a significant increase in insurance revenue, with over 90% derived from operations in Hong Kong, Macau, and mainland China[13] - Insurance revenue saw a notable increase of 34.0% year-on-year, attributed to the 65th anniversary of Asia Insurance[24] - The insurance business recorded a profit of HKD 501 million, up 106.9% year-on-year, driven by strong performance in reinsurance and insurance operations[39] - The insurance services performance grew significantly by 40.7% year-on-year, with optimistic prospects for core business in 2025[40] - The insurance business is expected to continue growing, leveraging opportunities from the "Guangdong-Hong Kong-Macao Greater Bay Area" initiative[43] Investments - Investment income from stock trading grew by 142.6% year-on-year, contributing to overall performance[24] - The investment strategy focuses on developed markets, particularly the US, Japan, and Europe, with a strategic reallocation to Hong Kong and mainland China in the second half of the year[45] - The company holds a 5% stake in China Life Insurance Co., which ranks 7th in the global insurance industry according to the Fortune Global 100[44] - The company has a 4.7% stake in Bangkok Dusit Medical Services, which serves over 1.1 million patients annually from more than 190 countries[46] - The property development investment in Shanghai represents 3.9% of total assets, with a flagship project in Jiading District showing strong sales performance[48] Employee and Operational Insights - Employee benefits expenses for 2024 totaled HKD 240,862,000, compared to HKD 203,494,000 in 2023, reflecting an 18.4% increase[17] - The total number of employees increased to 374 as of December 31, 2024, compared to 352 in the previous year[58] - The company is focused on diversifying its insurance products, including health, life, and property insurance, while enhancing operational efficiency through technology investments[40] Corporate Governance and Outlook - The company emphasizes compliance with legal regulations and has allocated sufficient resources to mitigate related risks, believing that compliance risks are low[52] - The company aims to maintain strong relationships with stakeholders, including employees, customers, and investors, recognizing their impact on performance and value[54] - The company is focused on diversifying its customer base to avoid over-reliance on a few core customers, which is crucial for maintaining underwriting profitability[56] - The company believes that the risks associated with relying on key personnel are manageable, supported by effective training and reward programs[55] - The company maintains a cautious and moderately optimistic outlook for 2025, considering geopolitical tensions and economic conditions[25] - The Hong Kong economy is expected to grow moderately amid challenges, with government measures aimed at stimulating the economy[27] Share Repurchase - The company repurchased and canceled 4,312,000 shares at a total cost of HKD 16,293,000, with a premium of HKD 12,153,000 deducted from retained earnings[23] - The company repurchased a total of 4,412,000 shares at a total cost of approximately HKD 16,265,000 during the fiscal year ending December 31, 2024[62] - The highest purchase price for repurchased shares was HKD 3.95, while the lowest was HKD 3.30, with the majority of repurchases occurring in November 2024[62] Meetings and Reports - The company will hold its annual general meeting on May 28, 2025, with a notice to be sent out around April 17, 2025[59] - The annual report for 2024 will be published on or around April 17, 2025, for shareholders to review[67] - The audit committee has met with the auditors, Ernst & Young, to review and agree on the group's performance for the year ending December 31, 2024[66]

Financial Performance - Asia Financial Holdings recorded a profit attributable to shareholders of HKD 361.4 million for the first half of 2024, representing a robust growth of 20.6% compared to the first half of 2023[7]. - The company's net profit attributable to shareholders for the six months ended June 30, 2024, was HKD 361.4 million, representing a 20.6% increase compared to the previous year[23]. - Earnings per share for the same period was HKD 0.389, up 21.2% year-on-year[28]. - The interim dividend declared is HKD 0.055 per share, which is a 37.5% increase from HKD 0.040 in the previous year[24]. - The group reported a pre-tax profit of HKD 405.7 million for the six months ended June 30, 2024, compared to HKD 338.7 million in the same period last year[28]. - The consolidated profit for the six months ended June 30, 2024, was HKD 361,387, up from HKD 299,724 in the same period of 2023, indicating an increase of approximately 21%[40]. Investment Performance - The group's investment performance outperformed major benchmark indices due to strategic adjustments, with increased holdings in developed markets like the US, Japan, and Europe[7]. - The investment portfolio generated stable returns, with a strategic shift towards developed markets and some emerging markets, enhancing flexibility to navigate market changes[14]. - The fair value of the group's significant stock investments as of June 30, 2024, included HKD 1,962 million in Kwan Ming Hospital, accounting for 13.3% of total assets[18]. - The group recorded unrealized gains of HKD 108.1 million from investments for the six months ended June 30, 2024, compared to HKD 34.8 million in the previous year[27]. Insurance Business - The insurance business is expected to achieve another year of solid growth despite a challenging economic environment and intense market competition[10]. - In the first half of 2024, Asia Insurance recorded a profit of HKD 249.2 million, a decrease of 2.7% compared to the same period in 2023[11]. - Despite a generally weak local market, Asia Insurance achieved a robust growth of 31.9% in insurance revenue during the first half of 2024[11]. - The group reported insurance revenue of HKD 1,642.4 million for the six months ended June 30, 2024, compared to HKD 1,244.4 million in the same period last year[27]. - General insurance contracts account for 99.7% of the group's total insurance revenue, with risks related to claims amounts and timing uncertainties[77]. Economic Outlook - The global economic growth forecast for 2024 is expected to remain stable at 3.2%, with China projected at 4.6%, Hong Kong at 2.9%, and the US at 2.7%[8]. - The global economic environment remains complex, with ongoing geopolitical tensions and the impact of tightening monetary policies[7]. - The Hang Seng Index increased by 3.9% and the Hang Seng China Enterprises Index rose by 9.8% in the first half of 2024, driven by government stimulus measures in China[8]. Strategic Plans - The company plans to increase investments in developed and developing markets in Asia, including India, to diversify geopolitical risks and capture opportunities in high-growth sectors like AI and cybersecurity[10]. - The management emphasizes maintaining a diversified investment portfolio to mitigate volatility and prioritize shareholder value[10]. - The company is committed to adapting its strategies in response to economic and social changes, leveraging demographic shifts for sustained growth[10]. Shareholder Information - The company’s total assets as of June 30, 2024, amounted to HKD 14,791,443,000, a decrease from HKD 15,035,394,000 as of December 31, 2023[30]. - The equity attributable to shareholders decreased to HKD 10,510,792,000 from HKD 10,748,846,000, reflecting a decline of approximately 2.2%[30]. - The company’s retained earnings increased to HKD 6,265,680,000, reflecting a growth from the previous period[31]. - The company’s reserves for proposed dividends were reported at HKD 51,038,000, compared to HKD 46,453,000 in the previous year, indicating an increase of approximately 10.5%[31]. Risk Management - The company has established policies and procedures to identify, assess, monitor, and control various risks associated with its business[70]. - The company’s credit risk is managed by considering collateral and long-term business relationships with counterparties[72]. - The liquidity risk is managed through regular cash flow monitoring and the establishment of liquidity management policies[73]. - The group faces interest rate risk from floating rate instruments affecting cash flow and fixed rate instruments impacting fair value[75]. - The group currently has no foreign exchange hedging policy but monitors foreign exchange conditions and may consider hedging for significant risks[76]. Corporate Governance - The company has adhered to the Corporate Governance Code as per the Hong Kong Stock Exchange rules, with the exception of a deviation regarding the separation of roles between the Chairman and the CEO[96]. - The Board believes that the deviation from the governance code does not compromise the balance of power and authority within the company[96]. - The Board consists of experienced and high-quality individuals, ensuring effective governance and decision-making processes[96]. - Important decisions require Board approval, which includes both executive and non-executive directors to balance the power of the Chairman and President[96].

Financial Performance - For the six months ended June 30, 2024, the company reported a profit of HKD 361,387,000, an increase of 20.6% compared to HKD 299,724,000 for the same period in 2023[4] - Total revenue from insurance services was HKD 1,642,356,000, up from HKD 1,244,434,000 in the previous year, reflecting a growth of 32.0%[3] - The company's operating expenses increased to HKD 339,193,000 from HKD 303,700,000, representing an increase of 11.6% year-over-year[4] - The basic and diluted earnings per share rose to HKD 0.389 from HKD 0.321, marking a growth of 21.2%[4] - The total profit before tax for the group was HKD 405,704 for the six months ended June 30, 2024, compared to HKD 338,706 for the same period in 2023, indicating an increase of 19.7%[11] - The group reported a net profit of HKD 299,724 for the six months ended June 30, 2024, compared to HKD 361,387 for the same period in 2023, reflecting a decrease of 17.0%[11] Assets and Liabilities - The total assets of the company as of June 30, 2024, were HKD 14,791,443,000, compared to HKD 15,035,394,000 at the end of 2023, indicating a slight decrease of 1.6%[6] - The total assets of the group as of June 30, 2024, amounted to HKD 14,791,443, up from HKD 13,650,660 as of December 31, 2023, showing a growth of 8.4%[12] - The company's total liabilities decreased slightly to HKD 4,280,651,000 from HKD 4,286,548,000, a reduction of 0.1%[6] - The total liabilities of the group were HKD 4,280,651 as of June 30, 2024, compared to HKD 4,286,548 as of December 31, 2023, indicating a slight decrease of 0.1%[12] - The company has no significant contingent liabilities as of June 30, 2024, indicating a stable financial position[38] Dividends and Share Repurchase - The company declared an interim dividend of HKD 51,038,000, up from HKD 37,220,000, which is an increase of 37.0%[4] - The interim dividend proposed is HKD 0.055 per share, up 37.5% from HKD 0.040 in 2023[18] - The company repurchased and canceled 1,182,000 shares during the reporting period, reducing the total issued shares to 928,114,000[20] - The company repurchased a total of 1,022,000 ordinary shares at a total cost of approximately HKD 3,493,000 during the six months ended June 30, 2024[40] - Following the buyback, the issued share capital of the company was reduced accordingly, resulting in a total of 927,956,000 shares outstanding as of the announcement date[43] Investment Performance - The net profit from investments increased to HKD 108,084,000 from HKD 34,840,000, showing a significant rise of 210.0%[3] - The total realized gains from investments amounted to HKD 22.3 million for the first half of 2024, compared to HKD 4.9 million in the same period last year[15] - The company reported a net unrealized gain on financial assets at fair value through profit or loss of HKD 108.1 million, significantly higher than HKD 34.8 million in the previous year[15] - The investment portfolio generated stable returns in the first half of 2024, benefiting from strong performance across various asset classes, including value stocks and investment-grade fixed income[30] - The strategic investment in Bangkok's Karmel Hospital, which represents 4.7% of the company's holdings, saw its stock price increase by 11.3% in Thai Baht and 3.7% in Hong Kong Dollars during the first half of 2024[31] Operational Developments - The company successfully migrated to a new digital platform in Macau during the first half of the year, reflecting its commitment to improving operational efficiency[28] - The total number of employees increased to 363 as of June 30, 2024, from 352 as of December 31, 2023, reflecting growth in operations[39] - The company is committed to continuous investment in employee training and development, actively recruiting high-quality talent to enhance expertise and diverse perspectives[29] Market Outlook and Strategy - The company remains optimistic about the outlook for the second half of 2024, despite facing complex challenges in the global financial market[22] - The company aims to leverage operational flexibility and a diversified business model to navigate the changing environment[23] - The company plans to increase investment opportunities in developed and developing markets in Asia, such as India, to diversify geopolitical risks and capture high-growth sectors like AI and cybersecurity[26] - The company aims to expand its service offerings in insurance, retirement planning, and healthcare, focusing on Hong Kong, Macau, and mainland China[26] - The global economic growth forecast for 2024 is expected to remain stable at 3.2%, with China projected to grow at 4.6%[24] Compliance and Governance - The company has complied with the Corporate Governance Code, except for a deviation regarding the separation of roles between the Chairman and the CEO[44] - The company’s audit committee reviewed the unaudited condensed consolidated interim financial statements for the six months ended June 30, 2024, and recommended approval by the board[45]

Financial Performance - The company reported a significant increase in profit attributable to shareholders, reaching HKD 346.8 million, a growth of 181.5% compared to 2022[7]. - Insurance revenue for the year was HKD 2,456.4 million, representing a 19.0% increase from HKD 2,063.5 million in 2022[6]. - The company experienced a 27.0% decline in insurance operating performance, with a profit of HKD 216.8 million compared to HKD 296.8 million in the previous year[6]. - Basic and diluted earnings per share rose to HKD 37.2, marking an increase of 184.0% from HKD 13.1 in the previous year[6]. - The company reported a 16.9% decrease in dividend income, totaling HKD 173.7 million compared to HKD 209.0 million in 2022[6]. - Earnings per share (EPS) for 2023 was HKD 0.372, reflecting a growth of 184.0% year-on-year[12]. - The total dividend per share for the year is HKD 0.90, which is an increase of 80.0% compared to the previous year[12]. - The total revenue for Asia Financial Group in 2023 reached HKD 2.832 billion, representing a 35.8% increase compared to 2022 and a 254% increase from the baseline year of 2009[68]. - The profit for the year was HKD 346,753,000, compared to HKD 123,198,000 in the previous year, representing a significant increase of 181.5%[165]. Assets and Liabilities - The total assets as of December 31 amounted to HKD 15,035.4 million, a 2.0% increase from HKD 14,734.7 million in 2022[6]. - The company’s total liabilities increased by 11.6% to HKD 4,286.6 million from HKD 3,839.4 million in 2022[6]. - The largest customer accounted for 21% of total revenue, while the top five customers collectively represented 34%[166]. - As of December 31, 2023, the company's distributable cash reserves amounted to HKD 3,227,682,000[164]. - The company's issued share capital decreased due to the cancellation of repurchased shares, resulting in a total of 929,062,000 shares outstanding[163]. Business Strategy and Outlook - The company anticipates continued growth in its insurance business despite economic challenges, supported by improved operational efficiency and a diverse product range[9]. - The company plans to expand its distribution network and enhance product offerings to meet changing market demands[9]. - The company is optimistic about the core insurance business outlook for 2024, expecting continued growth[16]. - The company has strengthened partnerships in the insurance and banking sectors and expanded distribution channels, including online platforms[16]. - The company is focused on expanding its market presence and enhancing its product offerings through strategic partnerships and technological advancements[186]. Investments and Joint Ventures - The company has established two joint ventures with Pan Hua Holdings Group, one in life insurance brokerage and the other in insurtech, holding 40% stakes in each[17]. - The investment in China Life Insurance Company accounts for 14.4% of the group's total assets, with a fair value of HKD 2,170 million and an unrealized loss of HKD 580 million[22]. - The company’s investment in Bangkok Dusit Medical Services increased by 5.6% in HKD terms, with a fair value of HKD 1,893 million, contributing to a realized gain of HKD 101 million[22]. - The company holds a 4.7% stake in Bangkok Dusit Medical Services, which has shown resilience and growth due to its international patient services[19]. Employee and Workforce Management - The total number of employees as of December 31, 2023, is 352, an increase from 329 employees as of December 31, 2022[28]. - The employee turnover rate for Asia Financial Group is 9.0%, which is below the average turnover rate of 21% in Hong Kong for 2023[57]. - The average training hours per employee for Asia Financial Group in 2023 is 17.52 hours, which represents a 19.2% increase from 2022[62]. - The company provides comprehensive medical and retirement benefits to all employees, along with training and onboarding programs[28]. - The company promotes work-life balance by offering paid leave, public holidays, and additional conditional leave[48]. Environmental, Social, and Governance (ESG) Initiatives - The report on environmental, social, and governance (ESG) performance is prepared in accordance with the Hong Kong Stock Exchange's guidelines, ensuring compliance with relevant standards[30]. - The company has identified five significant ESG issues and is actively addressing them, including enhancing cybersecurity measures to protect customer data[36]. - The company continues to upgrade its IT infrastructure to improve operational efficiency and security while achieving ESG objectives[36]. - In 2023, the company signed the Hong Kong Insurance Industry Climate Charter, demonstrating its commitment to addressing climate change risks and enhancing its climate risk analysis capabilities[39]. - The company aims to achieve carbon neutrality by 2050, aligning with Hong Kong's climate action blueprint[65]. Corporate Governance - The company has complied with all applicable provisions of the Corporate Governance Code for the year ending December 31, 2023, except for a deviation regarding the separation of the roles of Chairman and CEO[102]. - The board consists of eight members, including three executive directors, two non-executive directors, and three independent non-executive directors, ensuring a balance of expertise and experience[105]. - The company is committed to maintaining high standards of corporate governance to enhance investor confidence and protect the interests of stakeholders[102]. - The board has adopted a diversity policy, considering various factors such as gender, age, and professional experience in the appointment of directors[120]. - The company has established mechanisms to ensure board independence, including independent non-executive directors chairing all committees[112]. Risk Management - The company has adopted a risk management policy that covers the group's risk appetite and management framework, including credit risk, cash flow risk, interest rate risk, foreign exchange risk, and operational risk[143]. - The risk committee reviews the effectiveness of the group's risk management system at least once a year, including all significant risks and resources allocated to risk functions[144]. - The company’s internal control systems were assessed for effectiveness, covering financial, operational, and compliance monitoring[136]. - The board confirmed that there were no significant deficiencies in the risk management and internal control systems for the year ending December 31, 2023[145]. Shareholder Engagement - The company maintains effective communication with shareholders through a shareholder communication policy, ensuring timely and accessible information[149]. - The company held its annual general meeting electronically on May 19, 2023, allowing shareholders to vote and ask questions online[150]. - Shareholders holding at least 10% of the paid-up capital can request a special general meeting within 21 days of the request[151]. - The company ensures compliance with public float requirements as per listing rules throughout the fiscal year 2023[155].

来源：博鳌亚洲论坛 3月27日上午，在博鳌亚洲论坛2024年年会举办的"深化亚洲金融合作"分论坛上，香港金融管理局总裁 余伟文在谈及如何进一步完善亚洲金融安全网时表示，可以通过进一步增强体系的韧性，通过宏观经济 政策以确保经济基本面做到位。同时，在金融体系中必须有足够的缓冲，如足够的外汇储备、银行体系 的高流动性和资本等，需要建设强大的亚洲债券市场。 香港金融管理局总裁余伟文 余伟文提出了三个增强金融体系韧性的关键措施：一是通过宏观经济政策确保经济基本面稳定；二是保 证金融体系中有足够的缓冲，如外汇储备、高流动性和资本；三是拥有一体化的政策框架，包括利率、 货币政策、外汇政策和资本流动政策等。 他强调建设资本市场，特别是债券市场的重要性。"亚洲债券市场是非常好的项目，亚洲各经济体的债 券市场规模正在不断扩大，使用本币发债的比例也在增加。"于伟文表示，亚洲地区本土机构投资者团 体的扩大，这对于防止资本外流具有重要作用。 余伟文还谈到了《清迈倡议》以及亚洲区域内贸易和投资的增长势头。他认为，提升亚洲经济体之间互 联互通的重要性，包括快速支付系统、二维码扫描支付以及央行数字货币的使用。 在谈到央行数字货币时，余伟文 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負 責 ， 對 其 準 確 性 或 完 整 性 亦 不 發 表 任 何 聲 明 ， 並 明 確 表 示 ， 概 不 就 因 本 公 告 全 部 或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 * （股份代號：662） 截至2023年12月31日止年度 全年業績公告 業績 亞洲金融集團（控股）有限公司（「本公司」或「亞洲金融集團」）董事會（「董事會」） 宣佈本公司及其附屬公司（統稱「本集團」）截至2023年12月31日止年度之業績如下： 綜合損益表 截至2023年12月31日止年度 | --- | --- | --- | --- | |-------------------------------------------------------------------------|-------|-------------------------------------------------|------------------------------------------| | | 附註 | 2023 年 港幣千元 | ...

亞 洲 金 融 集 團 ( 控 股 ) 有 限 公 司 ASIA FINANCIAL HOLDINGS LIMITED 在 百 慕 達 註 冊 成 立 之 有 限 公 司 ( 股份代號：662 ) 中 期 報 告 截 至 ２０２３年 ６ 月 ３０ 日 止 六 個 月 目錄 目錄 頁次 公司資料 2 主席報告 3 管理層討論及分析 5 中期業績摘要 8 簡明綜合損益表（未經審核） 9 簡明綜合全面收益表（未經審核） 11 簡明綜合財務狀況表（未經審核） 12 簡明綜合權益變動表（未經審核） 13 簡明綜合現金流量表（未經審核） 15 中期財務報表附註（未經審核） 17 補充財務資料 38 其他資料 42 1 公司資料 公司資料 | --- | --- | |--------------------------------------------|-----------------------------------------------------------------------------------------------------| | 董事會 | 核數師 | | 執行董事 陳智思 （主席兼總裁） ...