Supplementary Announcement to the Annual Report for the Year Ended December 31, 2022 Risk Management Policy The Group implements a comprehensive risk management system, focusing on credit, liquidity, and operational risks through due diligence, multi-level approvals, and continuous monitoring - The Group has established a risk management system targeting credit, liquidity, interest rate, operational, and legal compliance risks, emphasizing comprehensive due diligence, independent data review, and a multi-layer approval process10 - The credit risk management process includes several key measures: - Due Diligence: The Risk Management Department conducts thorough investigations into client background, financial status, and credit history through on-site visits and online verification4 - Approval Process: A multi-level review system is in place, where the Risk Management Committee reviews credit assessment reports and grants final approval, with major decisions escalated to the Board of Directors5 - Post-drawdown Management: This involves routine reviews, daily supervision of repayments, and prompt follow-up on overdue payments to identify potential defaults early20 Leasing Portfolio As of December 31, 2022, the Group's net financing lease receivables decreased to RMB 201.2 million, primarily concentrated in medical equipment and largely secured by collateral and guarantees - The Group's total net receivables from financing lease services decreased from RMB 288.6 million as of December 31, 2021, to RMB 201.2 million as of December 31, 20226714 Leasing Portfolio by Industry (Net Receivables) | Industry | 2022 (RMB '000) | 2022 (%) | 2021 (RMB '000) | 2021 (%) | | :--- | :--- | :--- | :--- | :--- | | Medical Equipment | 193,397 | 96.2 | 269,553 | 93.4 | | Printing | 4,303 | 2.1 | 15,189 | 5.3 | | Logistics | 3,469 | 1.7 | 3,854 | 1.3 | | Total | 201,169 | 100.0 | 288,596 | 100.0 | Leasing Portfolio by Risk Size (Net Receivables) | Risk Size (RMB) | 2022 (RMB '000) | 2022 (%) | 2021 (RMB '000) | 2021 (%) | | :--- | :--- | :--- | :--- | :--- | | Up to 1,000,000 | 173,162 | 86.1 | 260,053 | 90.1 | | 1,000,001 to 3,000,000 | 20,616 | 10.2 | 28,543 | 9.9 | | 3,000,001 to 5,000,000 | 7,391 | 3.7 | - | - | | Total | 201,169 | 100.0 | 288,596 | 100.0 | Leasing Portfolio by Guarantee (Net Receivables) | Guarantee Type | 2022 (RMB '000) | 2022 (%) | 2021 (RMB '000) | 2021 (%) | | :--- | :--- | :--- | :--- | :--- | | Collateralized and Guaranteed | 196,411 | 97.7 | 254,832 | 88.3 | | Guaranteed | 3,267 | 1.6 | 33,764 | 11.7 | | Collateralized | 1,491 | 0.7 | - | - | | Total | 201,169 | 100.0 | 288,596 | 100.0 |
紫元元(08223) - 2023 - 年度业绩