Loan Portfolio - As of December 31, 2022, the total amount of loans issued by the financial company to non-listed members of the group was RMB 950.8 million, strictly within the annual limit approved by shareholders[2]. - The total amount of guarantee loans and mortgage loans accounted for approximately 52.04% and 40.41% of the financial company's total loan portfolio, respectively[2]. - The financial company's top five clients accounted for approximately 88.18% of the total loan amount as of the end of 2022[4]. - The financial company's loan portfolio included 125 loans involving 7 clients, with 2 clients having asset sizes exceeding RMB 1 billion, totaling RMB 388.8 million in loans[2]. Loan Performance - As of December 31, 2022, all loans were classified as normal, with no significant loan impairment situations reported[5]. - The impairment provision for loans as of the end of 2022 amounted to RMB 24.4 million, following the regulatory requirement of a 2.5% provision rate for normal loans[5]. Loan Terms - The interest rates for loans provided by the financial company ranged from 1.22% to 4.6% in 2022[2]. - The average maturity of outstanding loans was within two years, with RMB 833.4 million due within one year[4]. Risk Management - The financial company established a credit loss impairment model based on macroeconomic conditions and borrower credit ratings[5]. - The financial company's credit risk assessment is conducted by a committee composed of five members with backgrounds in finance, risk control, compliance, and law[2].
重庆机电(02722) - 2023 - 年度财报