Loan Portfolio - As of December 31, 2021, the group had 60 loans with principal amounts ranging from HKD 0.1 million to HKD 6.1 million, with an interest rate of 12%[8] - The loan portfolio includes 26 loans exceeding HKD 5.0 million, 8 loans between HKD 4.0 million and HKD 5.0 million, and 13 loans between HKD 3.0 million and HKD 4.0 million[8] Borrower Composition - The top five borrowers accounted for 12.32% of the total principal amount of the group's loan portfolio and 9.69% of the group's receivables, including accrued interest[8] - The group had 54 borrowers, consisting of 7 corporate borrowers and 47 individual borrowers, with a focus on technology-related industries such as AI and software development[6] Credit Risk Management - The group is implementing strict credit risk management procedures, including document collection, due diligence, and collective assessment and approval processes[3] - The group aims to reduce credit risk by narrowing its target customer base to borrowers with better risk profiles and providing professional training to its lending staff[5] - The group is focused on enhancing its credit risk assessment by reviewing borrowers' historical risk profiles and future prospects[5] - The group has established a continuous monitoring system for loan collections, including reminders and potential legal actions if necessary[4] Governance - The board of directors consists of five members, including one executive director and three independent non-executive directors, ensuring governance and oversight[9] - The company is committed to maintaining a diverse customer base to mitigate concentration risk in its lending operations[6]
中国金控(00875) - 2022 Q2 - 季度财报