Loan Composition - As of December 31, 2021, the total principal amount of receivable loans was HKD 247,300,000, consisting of secured loans of HKD 84,000,000 and unsecured loans of HKD 163,300,000[4]. - The interest rates for secured loans ranged from 8% to 15%, with principal amounts lent in 2018, 2019, 2020, and 2021 being HKD 69,000,000, HKD 5,000,000, HKD 5,000,000, and HKD 5,000,000 respectively[4]. - Unsecured loans had interest rates between 6% and 10%, with principal amounts lent in 2018, 2019, 2020, and 2021 being HKD 85,800,000, HKD 42,800,000, HKD 35,000,000, and HKD 0 respectively[4]. Risk Assessment - The company believes that despite some loans being unsecured, the actual default risk is low due to personal guarantees provided by borrowers[5]. - All loans are subject to renewal at the request of the borrowers, and the company conducts credit risk assessments before approving renewals[5]. Reporting Consistency - The company maintains that all other information in the annual report remains unchanged, aside from the disclosed supplementary information[5].
先机企业集团(00176) - 2022 Q3 - 季度财报