Financial Performance and Strategy - The group reported a cumulative impairment loss of HKD 981,000 for finance lease receivables as of December 31, 2021, compared to HKD 1,094,000 in 2020, reflecting a decrease in outstanding finance lease receivables [8]. - The group’s financial performance is supported by its ability to generate interest income, fees, and consulting revenue from its leasing operations [5]. - The group continues to focus on direct finance leasing and sale-leaseback arrangements, which are key components of its financing strategy [5]. - The company aims to expand its market presence through strategic partnerships and collaborations in the finance leasing sector [5]. Risk Management and Credit Assessment - There have been no instances of repayment defaults since the commencement of the finance leasing business, indicating effective internal monitoring and oversight processes [8]. - The group employs a rigorous customer acceptance process, which includes credit risk assessments and due diligence, ensuring a strong credit profile [7]. - As of December 31, 2021, the group has recorded several delayed repayment records, all of which were recovered within the reporting period, positively impacting expected credit loss calculations [8]. Team and Governance - The finance leasing and consulting services team has extensive experience in financing services and medical equipment, enhancing the potential for future growth [5]. - The management team is actively engaged in discussions with potential clients to explore future financing opportunities [5]. - The board of directors includes two executive directors and three independent non-executive directors, ensuring a balanced governance structure [9].
正乾金融控股(01152) - 2022 - 年度财报