Lending Business Performance - The group's lending business generated approximately HKD 8.5 million, accounting for about 34.0% of total revenue of approximately HKD 25.0 million for the year ended December 31, 2021[38]. - The group focuses on lending to individual and corporate clients, generating interest income as a key revenue source[52]. - As of December 31, 2021, the group had a total of 6 clients with outstanding loan balances[53]. Client Collateral Information - As of December 31, 2021, the largest client held collateral valued at approximately HKD 43 million, with an outstanding balance of approximately HKD 14 million[43]. - The third largest client had collateral of approximately HKD 40 million and an outstanding balance of approximately HKD 18 million as of December 31, 2021[44]. - The fifth largest client held collateral of approximately HKD 200,000 with an outstanding balance of approximately HKD 100,000 as of December 31, 2021[46]. - The sixth largest client had collateral valued at approximately HKD 5.6 million and an outstanding balance of approximately HKD 5.4 million as of December 31, 2021[50]. - The total collateral value across all clients is approximately HKD 68 million, representing 100% of the total[40]. Credit Policy and Operational Strategy - The group’s credit policy includes thorough due diligence and approval by a credit committee for loan applications[51]. - The internal control procedures for loan recoverability include various steps such as margin calls and legal actions if necessary[55]. - The group’s operational strategy focuses on enhancing client relationships and improving the quality of collateral[51]. Business Expansion Plans - The group’s securities lending business is categorized into lending and margin financing services[38]. - The group aims to expand its customized financial services, including securities brokerage and underwriting services[38].
鼎石资本(00804) - 2022 Q2 - 季度财报