Financial Performance - Total revenue for the year ended December 31, 2023, was HKD 87,860,000, a decrease of 3.7% compared to HKD 90,524,000 for the year ended December 31, 2022[4]. - The total comprehensive income attributable to owners of the company for the year was HKD 50,304,000, slightly down from HKD 50,959,000, a decrease of 1.3%[4]. - Basic earnings per share for the year was HKD 12.6, compared to HKD 12.7 for the previous year, reflecting a decline of 0.8%[4]. - The profit attributable to the company's owners for the year ended December 31, 2023, was HKD 50,304,000, a decrease from HKD 50,959,000 in 2022, resulting in basic earnings per share of 12.6 HKD cents compared to 12.7 HKD cents in the previous year[30][31]. - The group's profit and total comprehensive income for the fiscal year 2023 was HKD 50,300,000, a decrease of HKD 700,000 or 1.4% compared to HKD 51,000,000 in fiscal year 2022[69]. Income and Expenses - Other income increased significantly to HKD 1,756,000 from HKD 583,000, representing a growth of 201.4%[4]. - Administrative expenses decreased to HKD 22,714,000 from HKD 25,419,000, a reduction of 10.6%[4]. - The total finance costs for the year were HKD 422,000, significantly reduced from HKD 1,331,000 in 2022[26]. - The current tax expense for the year was HKD 9,268,000, a decrease from HKD 10,566,000 in 2022[28]. - Employee benefits expenses, including director remuneration, increased slightly to HKD 10,722,000 from HKD 10,519,000 in 2022[22]. - Advertising and marketing expenses decreased by HKD 900,000 or 18.0% from HKD 5.0 million in 2022 to HKD 4.1 million in 2023[61]. - The impairment loss provision for financial assets increased to HKD 4.7 million in 2023 from HKD 3.3 million in 2022, mainly due to an increase in overdue loans and a decrease in collateral value[63]. Assets and Liabilities - Total assets as of December 31, 2023, were HKD 930,740,000, a decrease from HKD 943,941,000 in 2022, representing a decline of 1.4%[5]. - Non-current assets decreased to HKD 390,797,000 from HKD 416,307,000, a drop of 6.1%[5]. - Current assets increased slightly to HKD 539,943,000 from HKD 527,634,000, an increase of 2.3%[5]. - As of December 31, 2023, the total loans receivable amounted to HKD 834,670,000, down from HKD 871,527,000 in 2022, with a provision for impairment of HKD 9,993,000[36]. - The company has a non-current portion of loans receivable amounting to HKD 369,334,000 as of December 31, 2023[36]. - The maximum credit risk faced by the company is represented by the carrying amount of loans and interest receivable[37][42]. Shareholder Information - The company proposed a final dividend of 5.0 HKD cents per share for the year ended December 31, 2023, totaling HKD 20,000,000[33]. - The board proposed a final dividend of HKD 0.05 per ordinary share, totaling HKD 20,000,000, to be paid on June 28, 2024, subject to approval at the annual general meeting[91]. - The company's annual general meeting is scheduled for June 4, 2024, where shareholders will have the opportunity to vote on the proposed dividend[96]. - The company's shareholder register will be closed from May 30, 2024, to June 4, 2024, to determine eligibility for voting at the annual general meeting[92]. - The company will also suspend the registration of share transfers from June 12, 2024, to June 14, 2024, to determine eligibility for the final dividend[93]. Compliance and Governance - The company confirmed compliance with the standards of the Securities Trading Code and the company's own guidelines for all directors for the year ending December 31, 2023[88]. - The audit committee, consisting of three independent non-executive directors, reviewed the consolidated financial statements for the year ending December 31, 2023, and recommended approval to the board[89]. - The board includes three executive directors and three independent non-executive directors as of the announcement date[98]. Future Outlook - The group is currently evaluating the impact of new accounting standards that will take effect in 2024 and 2025, with no significant impact expected on liabilities classification[18]. - The group plans to continue improving existing products and services to enhance customer experience, without any major investment or new product launches planned for the coming year[70].

Financial Performance - Revenue for the six months ended June 30, 2023, was HK$44,179,000, a slight decrease of 0.82% compared to HK$44,544,000 in the same period of 2022[18]. - Profit before income tax for the period was HK$32,507,000, compared to HK$32,721,000 in the previous year, reflecting a decrease of 0.65%[18]. - Profit attributable to owners of the Company for the period was HK$27,410,000, which is nearly unchanged from HK$27,426,000 in the prior year[18]. - Basic and diluted earnings per share remained stable at 6.9 HK cents for both 2023 and 2022[18]. - The company reported a total comprehensive income of HK$27,410,000 for the six months ended June 30, 2023[25]. Expenses and Income - Administrative expenses for the period were HK$10,935,000, slightly lower than HK$10,952,000 in the previous year[18]. - Other income increased significantly to HK$533,000 from HK$233,000, marking an increase of 128.76%[18]. - Impairment losses increased to HK$993,000 from HK$500,000, indicating a rise of 98.6%[18]. - Finance costs decreased to HK$277,000 from HK$604,000, a reduction of 54.1%[18]. - Income tax expense for the period was HK$5,097,000, down from HK$5,295,000, reflecting a decrease of 3.74%[18]. Assets and Liabilities - Total assets as of June 30, 2023, amounted to HK$908,026,000, a decrease of 3.8% from HK$943,941,000 as of December 31, 2022[21]. - Current assets increased to HK$538,825,000, up 2.3% from HK$527,634,000 at the end of 2022[21]. - Cash and cash equivalents significantly rose to HK$108,504,000, a 111.9% increase from HK$51,156,000 at the end of 2022[21]. - Total liabilities decreased significantly to HK$15,796,000, a reduction of 73.1% from HK$58,721,000 at the end of 2022[22]. - Non-current assets decreased to HK$369,201,000, down 11.3% from HK$416,307,000 at the end of 2022[21]. Cash Flow - For the six months ended June 30, 2023, cash generated from operations was HK$124,861,000, compared to a cash used in operations of HK$22,125,000 in the same period of 2022[30]. - Net cash generated from operating activities was HK$122,078,000, a significant improvement from a net cash used of HK$22,571,000 in the prior year[30]. - Cash and cash equivalents at the end of the period increased to HK$108,504,000 from HK$28,152,000 at the end of June 2022, representing a net increase of HK$57,348,000[30]. - The company reported a net cash used in financing activities of HK$65,263,000, compared to HK$31,519,000 in the previous year, reflecting increased financing activities[30]. Dividends - The company declared dividends of HK$20,400,000 related to the year ended December 31, 2022[25]. - Dividend paid to equity holders was HK$20,400,000, slightly down from HK$21,200,000 in the same period last year[30]. - The company does not recommend the payment of an interim dividend for the six months ended June 30, 2023, consistent with the previous year[84]. Loans and Credit Risk - As of June 30, 2023, loans receivable amounted to HK$781,401,000, down from HK$871,527,000 as of December 31, 2022, indicating a decrease of approximately 10.35%[87]. - The provision for impairment losses of loans receivable totaled HK$6,539,000 as of June 30, 2023, compared to HK$5,761,000 as of December 31, 2022, reflecting an increase of approximately 13.48%[87]. - The ageing analysis of interest receivables shows that over 90 days receivables increased significantly to HK$5,553,000 from HK$2,068,000, indicating a rise of 168.5%[101]. - The Group's maximum credit risk exposure for loans and interest receivables is reflected in their carrying amounts, which are subject to impairment provisions[96]. Market and Economic Outlook - The Hong Kong economy is expected to continue its post-pandemic recovery in the second half of 2023, although growth may slow due to high interest rates and a challenging global economic environment[174]. - The Group anticipates that the growth of its loan portfolio may be constrained by subdued loan demand and higher funding costs, and will implement stringent cost control measures to maintain profitability[179]. - The property market in Hong Kong showed a mild recovery, but the trend was short-lived due to continued interest rate hikes and a challenging external economic environment[128]. Shareholding Structure - As of June 30, 2023, Blossom Spring holds 300,000,000 shares, representing 75% of the issued share capital of the company[200]. - Mr. Wong Tai Wai, as the spouse of Ms. Jin, is also deemed to be interested in 300,000,000 shares, equating to 75% of the issued share capital[200]. - Ms. Jin is considered to have an interest in all shares held by Blossom Spring due to the Securities and Futures Ordinance (SFO)[200].

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，概不對因本公告全部 或任何部分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。 GLOBAL INTERNATIONAL CREDIT GROUP LIMITED 環球信貸集團有限公司 （於開曼群島註冊成立的有限公司） （股份代號：1669） 截至二零二三年六月三十日止六個月 中期業績公告 環球信貸集團有限公司（「本公司」）董事（「董事」）會（「董事會」）欣然公佈本公司及 其附屬公司（統稱為「本集團」）截至二零二三年六月三十日止六個月的未經審核簡 明合併中期業績，並連同二零二二年之相關比較數字載述如下： 未經審核簡明合併中期綜合收益表 截至二零二三年六月三十日止六個月 截至六月三十日止六個月 二零二三年 二零二二年 附註 千港元 千港元 （未經審核） （未經審核） 收入 3,4 44,179 44,544 其他收入 4 533 233 ...

Financial Performance - Revenue for FY2022 grew by HK$4.5 million or 5.2%, reaching HK$90.5 million compared to HK$86.0 million in the prior year[17]. - The Group's profit and total comprehensive income for FY2022 was HK$51.0 million, a decrease of HK$1.5 million or 2.9% from HK$52.5 million in FY2021[50]. - Administrative expenses increased from HK$23.0 million in FY2021 to HK$25.4 million in FY2022, representing an increase of HK$2.4 million or 10.4%[36]. - Other income rose from HK$4,000 in FY2021 to HK$583,000 in FY2022, primarily due to government subsidies[35]. - The total profit and comprehensive income for FY2022 was HK$51 million, a decrease of HK$1.5 million or 2.9% compared to HK$52.5 million in FY2021[57]. Loan Portfolio - The Group's gross loans receivable increased from HK$777.1 million as of December 31, 2021, to HK$871.5 million as of December 31, 2022, representing a growth of 12.1%[17]. - The average month-end balance of aggregate loans receivable increased by HK$100.0 million or 13.4% from HK$748.6 million in FY2021 to HK$848.6 million in FY2022[34]. - Approximately 70% of the Group's loan portfolio is secured by residential properties, with the remaining 30% secured by commercial properties, industrial properties, and car park spaces as of December 31, 2022[84]. - The overall weighted average loan-to-value ratio as of December 31, 2022, was 57.4%, up from 53.7% in 2021[33]. - The Group's credit risk is primarily associated with mortgage loans secured by properties in Hong Kong, with less than 1% of the total loan portfolio being unsecured loans[86]. Economic Environment - Hong Kong's economy shrank by 3.5% in 2022, with residential property prices declining by 15.6%, marking the largest annual decline since 1998[16]. - The US Federal Reserve raised benchmark interest rates seven times in 2022, increasing from near zero to a range of 4.25% to 4.5%[16]. - The lifting of pandemic restrictions and reopening of borders with mainland China is expected to improve market sentiment and economic recovery in 2023[18]. Risk Management - The Group plans to continue cautiously managing its loan business and actively managing credit risk amid ongoing economic challenges[18]. - The Group has strengthened its risk management policy over the years to better position itself for upcoming challenges[18]. - The Group has implemented policies for continuous monitoring of the property market and the collateral value of its mortgage loan portfolio[93]. Corporate Governance - The company has adopted and complied with the relevant code provisions of the Corporate Governance Code as of December 31, 2022, with some deviations noted[142]. - The board currently comprises six directors, including three executive directors and three independent non-executive directors, ensuring a balance of skills and experience[148]. - The company has an effective risk management and internal control system in place to provide adequate checks and balances[142]. - The independent non-executive directors have confirmed their independence in accordance with the Listing Rules[151]. - The Company has established mechanisms to ensure independent views are available to the Board, including the appointment of at least three INEDs[164]. Employee Information - The Group employed 18 full-time employees as of December 31, 2022, down from 20 in 2021[107]. - Total employee benefit expenses for the Group for the years ended December 31, 2022, and 2021 were HK$10.5 million and HK$10.7 million, respectively[107]. Dividends and Shareholder Relations - A final dividend of HK5.1 cents per share has been recommended to reward shareholders for their support[23]. - The Chairman expressed gratitude to management and staff for their commitment to service quality and to shareholders for their loyalty[22].

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，概不對因本公告全部 或任何部分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。 GLOBAL INTERNATIONAL CREDIT GROUP LIMITED 環球信貸集團有限公司 （於開曼群島註冊成立的有限公司） （股份代號：1669） 截至二零二二年十二月三十一日止年度 末期業績公告 環球信貸集團有限公司（「本公司」）董事（「董事」）會（「董事會」）欣然公佈本公司及 其附屬公司（統稱為「本集團」）截至二零二二年十二月三十一日止年度的經審核末 期業績，並連同截至二零二一年十二月三十一日止年度的比較數字。 合併綜合收益表 截至十二月三十一日 止年度 二零二二年 二零二一年 附註 千港元 千港元 收入 5 90,524 85,981 其他收入 5 583 4 行政開支 6 (25,419) (23,002) ...

Financial Reporting and Compliance - The Group's interim financial information is prepared in accordance with HKAS 34, with no significant issues identified during the review[10]. - The condensed consolidated interim statement of comprehensive income for the six-month period ended June 30, 2022, is included in the report[6]. - The Group's financial position as of June 30, 2022, is detailed in the condensed consolidated interim statement of financial position[7]. - The report includes a summary of significant accounting policies and other explanatory notes relevant to the interim financial information[9]. - The review was conducted in accordance with Hong Kong Standard on Review Engagements 2410, focusing on inquiries and analytical procedures[9]. - The Group's directors are responsible for the preparation and presentation of the interim financial information[9]. - The auditor's conclusion indicates that the interim financial information is materially accurate and compliant with relevant standards[10]. - The report emphasizes the importance of compliance with the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited[9]. - The Group's financial data is subject to review procedures that are less extensive than a full audit[9]. - The report is prepared by BDO Limited, a certified public accountant firm, ensuring professional oversight of the financial information[11]. Financial Performance - Revenue for the six months ended June 30, 2022, was HK$44,544,000, a 2.8% increase from HK$43,318,000 in 2021[13]. - Profit before income tax for the period was HK$32,721,000, compared to HK$32,050,000 in the same period last year, reflecting a growth of 2.1%[13]. - Comprehensive income attributable to owners of the Company for the period was HK$27,426,000, up from HK$26,842,000 in 2021, indicating a 2.2% increase[13]. - Basic and diluted earnings per share increased to 6.9 HK cents from 6.7 HK cents, representing a growth of 2.99%[13]. - The Group's profit and total comprehensive income for the six months ended June 30, 2022, was approximately HK$27.4 million, representing a slight increase of approximately HK$0.6 million or 2.2% from approximately HK$26.8 million for the six months ended June 30, 2021[133]. Assets and Liabilities - Total assets as of June 30, 2022, were HK$888,371,000, a decrease from HK$905,458,000 as of December 31, 2021[15]. - Total equity attributable to owners of the Company increased to HK$861,687,000 from HK$855,461,000, marking a rise of 0.4%[15]. - Current assets rose to HK$457,009,000 from HK$440,843,000, reflecting a growth of 3.7%[15]. - Loans receivable increased significantly to HK$409,676,000 from HK$319,863,000, a substantial rise of 28.0%[15]. - Total liabilities decreased to HK$26,684,000 from HK$49,997,000, indicating a reduction of 46.6%[17]. - Cash and cash equivalents decreased to HK$28,152,000 from HK$82,330,000, a decline of 65.8%[15]. Cash Flow and Financing Activities - For the six months ended June 30, 2022, the net cash used in operating activities was HK$22,571,000, a decrease from HK$42,331,000 generated in the same period of 2021[23]. - Cash flows from investing activities resulted in a net cash outflow of HK$88,000, compared to a net inflow of HK$3,000 in 2021[23]. - The net cash used in financing activities was HK$31,519,000, a significant reduction from HK$64,429,000 in the previous year[23]. - Cash and cash equivalents at the end of the period were HK$28,152,000, down from HK$110,740,000 at the end of June 2021[23]. - The company reported a cash outflow of HK$65,671,000 from operations, with loan interest received amounting to HK$43,546,000 and interest paid of HK$446,000[23]. Business Operations - The company is primarily engaged in the money lending business, providing property mortgage loans and personal loans in Hong Kong[25]. - All revenue and assets were generated from and located in Hong Kong during the six months ended June 30, 2022, maintaining a consistent operational focus[44]. - The Group maintained stringent credit control while gradually expanding its loan portfolio during the reporting period[113]. Risk Management and Impairment - There were no significant changes in the risk management policies since the last year end of December 31, 2021[39]. - The carrying amounts of financial assets and financial liabilities measured at amortised cost approximate their respective fair values[40]. - The net charge for impairment assessment on loans receivable was HK$(970,000) for the six months ended June 30, 2022, compared to a net reversal of HK$197,000 in the same period of 2021[52]. - The maximum exposure to credit risk as of June 30, 2022, is the carrying amount of the loans receivable, which is HK$835,789,000[76]. - As of June 30, 2022, all loans receivable, except for HK$1,240,000, are secured by collaterals provided by customers[77]. Taxation - The effective Hong Kong profits tax rate for the group was 8.25% for the first HK$2,000,000 of estimated assessable profits and 16.5% for profits above that threshold[60]. - The Group's income tax expense for the current year was HK$5,295,000, compared to HK$5,208,000 in the previous year, reflecting a slight increase[62]. - A tax provision of HK$4,522,000 has been made in respect of tax enquiries, indicating that adequate provision has been considered by the Company[64]. - The Group's effective tax rate was 16.2% for both the six months ended June 30, 2022, and June 30, 2021[128]. Employee and Administrative Expenses - Administrative expenses decreased to HK$10,952,000 in the first half of 2022 from HK$11,317,000 in 2021, reflecting a reduction of approximately 3.22%[49]. - The total employee benefit expenses for the six months ended June 30, 2022, were approximately HK$5.0 million, compared to HK$5.2 million for the same period in 2021[143]. - The Group employed 18 full-time employees as of June 30, 2022, a decrease from 20 employees as of December 31, 2021[146]. Future Outlook - The Group expects the economy in Hong Kong to gradually rebound in the second half of 2022, but loan growth momentum may be constrained due to tightening monetary policy and geopolitical tensions[158]. - The Group will continue to implement stringent cost control measures and strengthen its treasury management to uphold profitability despite subdued loan demand[159]. - The Group does not have any detailed plans for material investments or large-scale new product launches currently, but will focus on improving existing products and services[160]. Share Capital and Ownership - The entire issued share capital of Blossom Spring, which holds 300,000,000 shares (75% of the company), is owned by Ms. Jin Xiaoqin[179]. - Mr. Wong Tai Wai, as the spouse of Ms. Jin, is deemed to have an interest in the same number of shares[187]. - As of June 30, 2022, no other directors or chief executives had registered any interests or short positions in the shares of the company[183]. - The Share Option Scheme allows the issuance of a maximum of 40,000,000 shares, representing 10% of the shares in issue as of November 11, 2015[196]. - The total number of shares that may be issued upon exercise of all outstanding options must not exceed 30% of the shares in issue at any time[197].

Financial Performance - Revenue declined by HK$17.3 million or 16.8% to HK$86.0 million for FY2021 compared to HK$103.3 million in the prior year[12] - Profit and total comprehensive income decreased by HK$11.7 million or 18.2% to HK$52.5 million compared to HK$64.2 million in the prior year[12] - For FY2021, the Group's interest income decreased by 16.7% to HK$86.0 million from HK$103.3 million in FY2020[23] - The average month-end balance of aggregate loans receivable decreased by 11.0% from HK$841.4 million in FY2020 to HK$748.6 million in FY2021[23] - The Group's profit and total comprehensive income for FY2021 was HK$52.5 million, a decrease of HK$11.7 million or 18.2% from HK$64.2 million in FY2020[44] Loan and Asset Management - The Group's gross loans receivable and repossessed assets increased by 5.3% from HK$745.3 million as of December 31, 2020, to HK$784.6 million as of December 31, 2021[12] - The Group's gross loans receivable increased by HK$39.3 million to HK$784.6 million as of 31 December 2021 compared to HK$745.3 million as of 31 December 2020[18] - New loans granted by the Group in FY2021 amounted to HK$327.7 million, an increase from HK$203.6 million in FY2020[18] - The overall weighted average loan-to-value ratio was managed at 53.7% as of 31 December 2021[20] - Unsecured loans accounted for less than 1% of the Group's total loan portfolio as of December 31, 2021[65] Economic Environment - The GDP of Hong Kong grew by 6.4% in 2021 but remained 2% below the pre-recession level[12] - The Group plans to continue conducting its loan business cautiously amid ongoing economic uncertainties, including the impact of the Omicron variant and global inflationary pressures[12] Expenses and Costs - Administrative expenses decreased by 5.7% from HK$24.4 million in FY2020 to HK$23.0 million in FY2021, constituting 26.7% of total revenue[24] - Employee benefit expenses decreased by 5.3% from HK$11.3 million in FY2020 to HK$10.7 million in FY2021[26] - Finance costs decreased by 92.2% from HK$5.1 million in FY2020 to HK$0.4 million in FY2021 due to a decrease in average borrowings[33] Taxation - The effective tax rate increased from 16.2% in FY2020 to 16.5% in FY2021[36] - The actual tax rate slightly increased from 16.2% in FY2020 to 16.5% in FY2021[42] Corporate Governance - The company has adopted and complied with the relevant code provisions of the Corporate Governance Code as of December 31, 2021, except for the deviation regarding the roles of chairman and chief executive being held by the same individual[126] - The company reported a commitment to high standards of corporate governance, emphasizing a high-quality board and sound internal controls[125] - The board believes that the current arrangement of having the same individual serve as both chairman and chief executive ensures consistent leadership and effective strategic planning[126] - The company has an effective risk management and internal control system in place to provide adequate checks and balances[126] - The board will continue to review the appropriateness of separating the roles of chairman and chief executive based on the overall circumstances of the group[126] Employee Management - The Group emphasizes employee development and maintains a safe working environment, regularly reviewing remuneration packages[81] - As of December 31, 2021, the Group employed 20 full-time employees, a decrease from 22 in 2020[87] - Total employee benefit expenses for the years ended December 31, 2021, and 2020 were HK$10.7 million and HK$11.3 million, respectively, reflecting a decrease of approximately 5.31%[87] Risk Management - The Group has implemented policies for continuous monitoring of the property market and collateral values to mitigate market risk[75] - Operational risk management is guided by standard operating procedures and regular assessments of key operational exposures[74] - The Group will continue to monitor foreign currency exposure and take necessary actions to minimize related risks[88] Audit and Remuneration - For the year ended December 31, 2021, the external auditor received a total remuneration of HK$800,000 for audit and non-audit services[175] - The audit services accounted for HK$700,000, while interim review services contributed HK$100,000[175] - The Remuneration Committee reviewed and recommended remuneration packages for executive Directors and senior management based on performance[184] Board Composition and Meetings - The Board consists of six Directors, including three executive Directors and three independent non-executive Directors, ensuring a balance of skills in accounting, business, finance, investment, and legal professions[137] - The Board held five meetings during the relevant period, with the Annual General Meeting (AGM) conducted on June 1, 2021[143] - The Nomination Committee reviewed the structure, size, and composition of the Board at least annually[190] - The Nomination Committee held one meeting during the year ended December 31, 2021, with full attendance by its members[196]

GICL ||| 環球信貸 環 球 信 貸 集 團 有 限 公 司 Global International Credit Group Limited ( Incorporated in the Cayman Islands with limited liability ) (於開曼群島註冊成立之有限公司) Stock Code 股份代號：1669 2021 INTERIM REPORT 中期報告 CONTENTS 目錄 2 Corporate Information 公司資料 4 Report on Review of Interim Financial Information 中期財務資料審閱報告 6 Condensed Consolidated Interim Statement of Comprehensive Income 簡明合併中期綜合收益表 7 Condensed Consolidated Interim Statement of Financial Position 簡明合併中期財務狀況表 9 Condensed Consolidated Interim Statement of Chang ...

GICL ||| 環球信貸 環 球 信 貸 集 團 有 限 公 司 Global International Credit Group Limited (Incorporated in the Cayman Islands with Iimited Ilability ) (於飼曼群島註冊成立之有限公司) Stock Code 股份代號：1669 !!!!!!!!!! !!!!!!!!!! !!!!!!!!!! ll "IIIIII ||||||| 2020 Annual Report 年報 Contents 目錄 | --- | --- | --- | |------------------------------------------------|-------|----------------------| | Corporate Information | 2 | 公司資料 | | Chairman's Statement | 5 | 主席報告 | | Management Discussion and Analysis | 7 | 管理層討論及分析 | | Directors and Senior ...

GICL |||| 環球信貸 環 球 信 貸 集 團 有 限 公 司 Global International Credit Group Limited ( Incorporated in the Cayman Islands with limited liability ) (於開曼群島註冊成立之有限公司) Stock Code 股份代號:1669 INTERIM REPORT 中期報告 2020 CONTENTS 目錄 2 Corporate Information 公司資料 4 Report on Review of Interim Financial Information 中期財務資料審閱報告 6 Condensed Consolidated Interim Statement of Comprehensive Income 簡明合併中期綜合收益表 7 Condensed Consolidated Interim Statement of Financial Position 簡明合併中期財務狀況表 9 Condensed Consolidated Interim Statement of Chan ...