Financial Performance - Revenue for 2022 was HK$218.238 million, a slight increase from HK$215.287 million in 2021[6] - Pre-tax loss for 2022 was HK$345.563 million, representing 158.3% of revenue, a significant increase from 29.2% in 2021[6] - The company's consolidated revenue for the year ended December 31, 2022, was approximately HKD 218.2 million, an increase of 1.4% compared to the previous year, primarily driven by growth in medical products and plastic toys business[18] - The company reported a net loss of approximately HKD 367.6 million for the year ended December 31, 2022, compared to a net loss of HKD 65.9 million in the previous year, mainly due to impairment losses on receivables of approximately HKD 288.2 million[18] - The company's gross profit margin decreased by 2.0 percentage points to 66.6% for the year ended December 31, 2022, compared to 68.6% in the previous year[18] - The company's cash and cash equivalents increased by approximately HKD 25.2 million to HKD 175 million as of December 31, 2022, compared to HKD 149.8 million in the previous year[19] - The company's asset-liability ratio increased to 116.0% as of December 31, 2022, compared to 74.5% in the previous year[19] - The company's liquidity ratio decreased to 8.0 as of December 31, 2022, compared to 11.3 in the previous year[19] - The company's payable bonds amounted to approximately HKD 789.7 million as of December 31, 2022, compared to HKD 786.9 million in the previous year[19] - The company's distributable reserves at the end of the reporting period were HKD -98,639 thousand, compared to HKD -542,514 thousand in the previous year[172] - The company did not recommend the payment of a final dividend for the year ended December 31, 2022[168] - The company's property revaluation resulted in a gain of HKD 6,221,000, which was recorded in the property revaluation reserve as of December 31, 2022[169] - The company's top five customers accounted for approximately 36% of total sales, with the largest customer contributing about 14% of total sales[191] - The company's top five suppliers accounted for less than 24% of total purchases, with the largest supplier contributing about 9% of total purchases[191] - The company's property, plant, and equipment changes are detailed in Note 16 of the consolidated financial statements for the year ended December 31, 2022[170] - The company's share capital changes are detailed in Note 30 of the consolidated financial statements for the year ended December 31, 2022[171] - The consolidated financial statements for the year ended December 31, 2022, were prepared in accordance with Hong Kong Financial Reporting Standards and fairly present the company's financial position and performance[200] Business Segments - Medical product sales revenue increased by 22.0% to HK$85.5 million in 2022, accounting for 92.0% of the medical products and plastic toys business revenue[9] - Plastic toy sales revenue decreased by 40.1% to HK$7.4 million in 2022 due to intense market competition[9] - Securities brokerage and margin financing revenue decreased to HK$3.2 million in 2022 from HK$7.0 million in 2021, representing 1.5% of total group revenue[10] - The company's asset management business did not generate any revenue in 2022 due to weak market conditions and decreased investor enthusiasm[10] - The company operates in financial services, including securities brokerage, margin financing, and lending, as well as manufacturing and distributing children's plastic toys and medical products[92] Loans and Financing - Secured and unsecured loans as of December 31, 2022, were HK$112.1 million and HK$1,088.7 million, respectively[13] - The company plans to focus more on secured loans in the future when considering new loan applications[13] Corporate Governance - The Board of Directors consists of 3 executive directors and 3 independent non-executive directors as of the annual report date[42] - All independent non-executive directors have provided annual confirmation of their independence in accordance with listing rules[43] - The company has purchased appropriate insurance for directors and senior management against legal liabilities[40] - The Board is responsible for overall business development, strategy planning, major investments, and financial performance review[38] - Independent non-executive directors serve on Audit, Remuneration, and Nomination Committees[43] - Directors must retire by rotation at least once every three years according to the company's articles of association[45] - The Nomination Committee oversees board composition, appointment processes, and succession planning[45] - All directors must act in good faith and in the best interests of the company and its shareholders[39] - The company complies with the Corporate Governance Code as set out in Appendix 14 of the Listing Rules[37] - Directors are required to promptly disclose inside information unless it falls within the safe harbor provisions of the Securities and Futures Ordinance[40] - The Board of Directors held 5 meetings in 2022 to review and approve financial and operational performance, as well as overall strategy and policies[49] - Attendance records for Board meetings in 2022: Chen Junjie (2/5), He Guanli (5/5), Liang Jinbo (5/5), Yu Dazhi (5/5), Yang Haihui (3/5), Lin Quanzhi (5/5)[49] - The company has established a Board Diversity Policy to promote sustainable and balanced development, considering factors such as gender, age, cultural background, and professional experience[59] - The Nomination Committee is responsible for reviewing the Board's structure, size, and composition, and making recommendations for changes[60] - The company provides comprehensive induction materials and training for newly appointed directors to ensure they are fully informed of their duties and responsibilities[50] - The Board has established three committees: Nomination Committee, Remuneration Committee, and Audit Committee, each with specific written terms of reference[55] - The Nomination Committee consists of 5 members, with He Guanli as the chairperson, and is responsible for reviewing the Board's composition and making recommendations for appointments[56] - The company has adopted the Model Code for Securities Transactions as set out in Appendix 10 of the Listing Rules[51] - All directors confirmed compliance with the Model Code for Securities Transactions for the entire year of 2022[53] - The Board is responsible for making decisions on significant matters, including approving and monitoring policies, overall strategy, budgets, and major transactions[54] - The Remuneration Committee consists of five members, with the majority being independent non-executive directors, chaired by Mr. Yu Tat-chi[62] - The Remuneration Committee held one meeting during the year, with all members attending[64] - The Audit Committee includes three independent non-executive directors, chaired by Mr. Yu Tat-chi[67] - The Audit Committee held two meetings during the year, with all members attending[70] - The Board is responsible for maintaining adequate risk management and internal control systems, reviewed annually by the Audit Committee[74] - The company has implemented a whistleblowing policy allowing anonymous reporting of suspected misconduct to the Board or Audit Committee[76] - The company has a zero-tolerance anti-corruption policy and provided anti-corruption training averaging 3 hours per employee[76] - No legal cases related to corruption or serious violations of the Prevention of Bribery Ordinance were reported during the year[76] - The company's external auditor, Kaiyuan Xinde Certified Public Accountants Limited, was paid HKD 710,000 for audit services for the annual financial statements[80] - The audit committee recommended the reappointment of Kai Yuan Xinde CPA Limited as the company's auditor, and the auditor has expressed willingness to accept the reappointment[198] Shareholder Information - The company's Annual General Meeting (AGM) is scheduled to be held on June 27, 2023, with the notice to be sent at least 20 full business days prior[81] - Shareholders holding at least 10% of the company's paid-up share capital can request a special general meeting by submitting a written request to the board or company secretary[86] - The company's investor relations website, www.lerado.com, provides updates on business operations, financial data, and corporate governance practices[88] - Shareholders can submit inquiries to the board via mail or email at public@lerado.com.hk[85] - The company's investor relations department can be contacted at (852) 3700 9600 or via email at public@lerado.com.hk[89] - The company's major shareholder, Opus Platinum Growth Fund, held 18,000,000 ordinary shares, representing 7.82% of the issued share capital[185] - The company has maintained sufficient public shareholding throughout the year ended December 31, 2022[196] - The company has adopted a share option plan as an incentive for directors and eligible employees, with details provided in Note 32 of the consolidated financial statements for the year ended December 31, 2022[194] - The company did not engage in any purchases, sales, or redemptions of its listed securities during the year ended December 31, 2022[193] Environmental, Social, and Governance (ESG) - The company's ESG report for 2022 covers its sustainability performance from January 1, 2022, to December 31, 2022, focusing on key material issues[93] - Total greenhouse gas emissions in 2022 were 15.1 tons of CO2 equivalent, with an emission density of 3.0 tons of CO2 equivalent per employee[106] - Scope 2 emissions in 2022 were 14.9 tons of CO2 equivalent, a significant increase from 3.7 tons in 2021[107] - Scope 3 emissions in 2022 were 0.2 tons of CO2 equivalent, a decrease from 4.0 tons in 2021[107] - The company has not set direct greenhouse gas reduction targets but has established electricity consumption targets for operations[106] - The company encourages employees to use teleconferencing and public transportation to reduce emissions from business travel[107] - The company identified five key ESG issues as relevant and significant: employment, health and safety, development and training, anti-corruption, and resource use[101] - The company's environmental impact primarily stems from energy use in office operations, with a focus on energy efficiency and waste recycling[105] - The company conducts regular internal materiality assessments to determine the most important sustainability issues for the group[101] - The company has a dedicated ESG working group that reports to the board and implements policies and measures for sustainable development[99] - The company emphasizes transparency and accountability as key to building trust with stakeholders[98] - Total electricity consumption in 2022 was 21.0 MWh, with an intensity of 4.2 MWh per employee[112][113] - The company aims to reduce energy density by 15% by 2027, based on the 2022 benchmark of 4.2 MWh per employee[113][114] - Water consumption in 2022 was 0.9 cubic meters, with a density of 0.17 cubic meters per employee[117] - The company has implemented measures such as using LED lighting, adjusting air conditioning to 25°C, and promoting energy-efficient equipment[115] - The company has achieved its 2021 energy-saving target and continues to promote water-saving measures among employees[114][117] - The company has no significant water consumption related to operations, as water usage is primarily for drinking purposes[116] - The company has no significant packaging material consumption due to its business nature[118] - The company provides a total of 15 hours of training distributed across all employee categories, with an average of 3 hours per employee[135] - 60% of female employees and 40% of male employees received training, with 60% of senior management, 40% of middle management, and 20% of supervisors and general employees trained[136] - The company strictly adheres to laws and regulations regarding child labor and forced labor, employing only applicants aged 18 or above[137] - No major violations of labor standards, including the Hong Kong Employment Ordinance, were noted during the reporting period[138] - The company ensures compliance with the Securities and Futures Ordinance and requires all employees to follow the Securities Industry Operations and Compliance Manual[141] - No incidents of customer privacy violations or data loss were reported during the reporting period[142] - The company emphasizes business integrity and fair competition, requiring employees to adhere to the highest ethical standards and report potential conflicts of interest[143] - Different levels of service contracts require approval by authorized personnel, following the company's established policies[144] - Total greenhouse gas emissions increased to 15.1 tons of CO2 equivalent in 2022, up from 7.7 tons in 2021, with Scope 2 emissions rising significantly to 14.9 tons from 3.7 tons[150] - Energy consumption increased to 21.0 MWh in 2022, up from 5.3 MWh in 2021, with energy density per employee rising to 4.2 MWh from 1.1 MWh[150] - Water consumption decreased to 0.9 cubic meters in 2022, down from 1.2 cubic meters in 2021, with water density per employee dropping to 0.17 cubic meters from 0.24 cubic meters[150] - Employee turnover rate decreased to 20% in 2022, down from 120% in 2021, with male employee turnover dropping to 50% from 100%[155] - All employees received anti-corruption training, with an average of 3 hours per employee, covering senior management, middle management, supervisors, and other staff[146] - The company maintained a 100% employee training rate in both 2022 and 2021, with female employees accounting for 60% of trained staff in 2022, up from 40% in 2021[158] - Average training hours per employee increased to 3 hours in 2022, up from 2 hours in 2021, consistent across all employee categories and functions[161] - The company reported no legal cases related to corruption or significant non-compliance with the Prevention of Bribery Ordinance during the reporting period[147] - The company's community investment strategy includes regular reviews of environmental protection and social responsibility measures to ensure compliance with regulations[148] - The company's workforce remained stable at 5 employees in 2022, with a shift in gender composition to 3 female and 2 male employees, compared to 2 female and 3 male employees in 2021[152] - The company conducted one anti-corruption training session, totaling 3 hours, with 100% of directors and 60% of general employees participating[163] Miscellaneous - The company has no significant contingent liabilities as of December 31, 2022[27] - The company employs approximately 210 employees, with 180 based in China and the remaining in Hong Kong as of December 31, 2022[28] - The company has no significant investments exceeding 5% of its total assets as of December 31, 2022[20] - The company's office at 4/F, F&G, Kam Yat Building, 59-67 Bonham Strand West, Sheung Wan, Hong Kong, has a floor area of 1,000 square feet[94] - The company's ESG report is prepared in accordance with Appendix 27 of the Hong Kong Stock Exchange Listing Rules, focusing on mandatory key performance indicators[95] - No significant events occurred after the reporting period up to the date of the annual report[197]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公佈之內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公佈全部或任 何部分內容而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 Lerado Financial Group Company Limited 隆 成 金 融 集 團 有 限 公 司 （於百慕達註冊成立之有限公司） （股份代號：1225） 截至二零二二年十二月三十一日止年度之 全年業績公佈 隆成金融集團有限公司（「本公司」）董事（「董事」）會（「董事會」）呈列本公司及其 附屬公司（統稱「本集團」）截至二零二二年十二月三十一日止年度之經審核綜合 業績連同比較數字，載列如下： 綜合損益及其他全面收益表 截至二零二二年十二月三十一日止年度 二零二二年 二零二一年 附註 千港元 千港元 持續經營業務 收入 3 －商品及服務 94,112 84,266 －利息 124,126 131,021 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任 何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 有關 截至二零二一年十二月三十一日止年度之年度報告之 補充公告 （於百慕達註冊成立之有限公司） （股份代號：1225） 茲提述隆成金融集團有限公司（「本公司」）日期為二零二二年三月三十一日並於 二零二二年四月二十九日刊發的截至二零二一年十二月三十一日止年度之年度報 告（「年度報告」）。除本公告另有界定者外，本公告所用詞彙與年度報告所界定者 具有相同涵義。 除年度報告所載資料外，董事會謹此向股東及本公司潛在投資者進一步提供以下「放 貸及融資租賃」章節的補充資料。 Lerado Financial Group Company Limited 隆成金融集團有限公司 放貸及融資租賃 就放貸業務及融資租賃業務而言，本集團目標客戶眾多，當中包括個人及企業客戶， 並向其提供有抵押或無抵押貸款。客戶來源主要為舊有客戶或經第三方轉介。本 公司通過該渠道物色客戶，原因為其為一種直接且真實的方式來宣傳我們的業務， 同時亦降低 ...

（於百慕達註冊成立之有限公司） 2022 中期報告 中期業績 | | 附註 | 二零二二年 | 二零二一年 | | --- | --- | --- | --- | | | | 千港元 | 千港元 | | | | （未經審核） | （未經審核） | | 其他全面收入╱（支出） | | | | | 其後可能重新分類至損益之項目 | ： | | | | 換算產生之匯兌差額 | | (5,617) | 1,295 | | 本期間其他全面收入╱（支出） | | (5,617) | 1,295 | | 本期間全面支出總額 | | (106,762) | (7,076) | | 應佔本期間虧損： | | | | | －本公司擁有人 | | | | | －來自持續經營業務 | | (100,751) | (5,058) | | －來自已終止經營業務 | | – | (3,075) | | －非控股權益 | | (394) | (238) | | | | (101,145) | (8,371) | | 應佔本期間全面支出總額： | | | | | －本公司擁有人 | | | | | －來自持續經營業務 | | (106,368 ...

（於百慕達註冊成立之有限公司） 2021 年報 目錄 | 公司資料 | 2 | | --- | --- | | 財務摘要 | 3 | | 管理層討論與分析 | 4 | | 董事簡介 | 8 | | 企業管治報告 | 10 | | 董事報告書 | 22 | | 獨立核數師報告書 | 29 | | 綜合損益及其他全面收益表 | 34 | | 綜合財務狀況表 | 36 | | 綜合權益變動表 | 38 | | 綜合現金流量表 | 39 | | 綜合財務報表附註 | 41 | | 財務概要 | 136 | 1 隆成金融集團有限公司 目錄 公司資料 執行董事 陳俊傑先生 何觀禮女士 梁錦波先生 獨立非執行董事 余達志先生 楊海琿先生 林全智先生 審核委員會 余達志先生 （主席） 林全智先生 楊海琿先生 薪酬委員會 余達志先生 （主席） 何觀禮女士 梁錦波先生 林全智先生 楊海琿先生 提名委員會 何觀禮女士 （主席） 陳俊傑先生 林全智先生 余達志先生 楊海琿先生 公司秘書 文潤華先生 註冊辦事處 Clarendon House 2 Church Street Hamilton HM11 Bermuda 主要營業地點 香 ...

中期報告 2021 （於百慕達註冊成立之有限公司） 中期業績 隆成金融集團有限公司（「本公司」）董事（「董事」）會（「董事會」）呈列本公司及 其附屬公司（統稱「本集團」）截至二零二一年六月三十日止六個月之未經審核綜 合業績連同比較數字及經選擇說明附註，此乃根據香港會計師公會頒佈之香港財 務報告準則編製，並已由本公司審核委員會（「審核委員會」）審閱。 簡明綜合損益及其他全面收益表 截至二零二一年六月三十日止六個月 | | | 截至六月三十日止六個月 | | | --- | --- | --- | --- | | | 附註 | 二零二一年 | 二零二零年 | | | | 千港元 | 千港元 | | | | （未經審核） | （未經審核） | | | | | （經重列） | | 持續經營業務： | | | | | 收入 | | 102,104 | 96,352 | | 出售透過損益賬按公平值處理 | | | | | （「透過損益賬按公平值處理」））之 | | | | | 金融資產之所得款項總額 | | 5,911 | 783 | | | | 108,015 | 97,135 | | 收入 | 3 | 102,104 ...

（於百慕達註冊成立之有限公司） 年報 目錄 余達志先生 楊海琿先生 林全智先生 目錄 公司資料 執行董事 審核委員會 余達志先生 （主席） 林全智先生 楊海琿先生 薪酬委員會 | 公司資料 | 2 | | --- | --- | | 財務摘要 | 3 | | 管理層討論與分析 | 4 | | 董事簡介 | 8 | | 企業管治報告 | 10 | | 董事報告書 | 22 | | 獨立核數師報告書 | 28 | | 綜合損益及其他全面收益表 | 33 | | 綜合財務狀況表 | 35 | | 綜合權益變動表 | 37 | | 綜合現金流動表 | 38 | | 綜合財務報表附註 | 40 | | 財務概要 | 136 | 1 隆成金融集團有限公司 陳俊傑先生 梁錦波先生 何觀禮女士 獨立非執行董事 余達志先生 （主席） 梁錦波先生 何觀禮女士 林全智先生 楊海琿先生 提名委員會 何觀禮女士 （主席） 陳俊傑先生 林全智先生 余達志先生 楊海琿先生 公司秘書 文潤華先生 註冊辦事處 Clarendon House 2 Church Street Hamilton HM11 Bermuda 主要營業地點 香港上環 皇 ...

（於百慕達註冊成立之有限公司） 2020 中期報告 中期業績 隆成金融集團有限公司（「本公司」）董事（「董事」）會（「董事會」）呈列本公司及 其附屬公司（統稱「本集團」）截至二零二零年六月三十日止六個月之未經審核綜 合業績連同比較數字及經選擇說明附註，此乃根據香港會計師公會頒佈之香港財 務報告準則編製，並已由本公司審核委員會（「審核委員會」）審閱。 簡明綜合損益及其他全面收益表 截至二零二零年六月三十日止六個月 | | | 截至六月三十日止六個月 | | | --- | --- | --- | --- | | | 附註 | 二零二零年 | 二零一九年 | | | | 千港元 | 千港元 | | | | （未經審核） | （未經審核） | | 收入 | | 108,150 | 125,766 | | 出售透過損益賬按公平值處理 | | | | | （「透過損益賬按公平值處理」））之 | | | | | 金融資產之所得款項總額 | | 783 | 6,855 | | | | 108,933 | 132,621 | | 收入 | 3 | 108,150 | 125,766 | | 存貨及服務成本 | | (28,8 ...

2019 年報 （於百慕達註冊成立之有限公司） | 目錄 | | | --- | --- | | 公司資料 | 2 | | 財務摘要 | 3 | | 管理層討論與分析 | 4 | | 董事簡介 | 8 | | 企業管治報告 | 10 | | 董事報告書 | 22 | | 獨立核數師報告書 | 27 | | 綜合損益及其他全面收益表 | 33 | | 綜合財務狀況表 | 35 | | 綜合權益變動表 | 37 | | 綜合現金流動表 | 38 | | 綜合財務報表附註 | 40 | | 財務概要 | 132 | 1 隆成金融集團有限公司 目錄 公司資料 執行董事 陳俊傑 梁錦波 何觀禮 獨立非執行董事 余達志 楊海琿 林全智 審核委員會 余達志 （主席） 林全智 楊海琿 薪酬委員會 余達志 （主席） 梁錦波 何觀禮 林全智 楊海琿 提名委員會 何觀禮 （主席） 陳俊傑 林全智 余達志 楊海琿 公司秘書 文潤華 註冊辦事處 Clarendon House 2 Church Street Hamilton HM11 Bermuda 主要營業地點 香港中環 威靈頓街184-198號 The Wellington 22 ...

（於百慕達註冊成立之有限公司） 中期報告 2019 中期業績 隆成金融集團有限公司（「本公司」）董事（「董事」）會（「董事會」）呈列本公司及 其附屬公司（統稱「本集團」）截至二零一九年六月三十日止六個月之未經審核綜 合業績連同比較數字及經選擇說明附註，此乃根據香港會計師公會頒佈之香港財 務報告準則編製，並已由本公司審核委員會（「審核委員會」）審閱。 簡明綜合損益及其他全面收益表 截至二零一九年六月三十日止六個月 | | | 截至六月三十日止六個月 | | | --- | --- | --- | --- | | | 附註 | 二零一九年 | 二零一八年 | | | | 千港元 | 千港元 | | | | （未經審核） | （未經審核） | | 收入 | | 125,766 | 118,942 | | 出售透過損益賬按公平值處理 | | | | | （「透過損益賬按公平值處理」）之 | | | | | 金融資產之所得款項總額 | | 6,855 | 2,160 | | | | 132,621 | 121,102 | | 收入 | 3 | 125,766 | 118,942 | | 存貨及服務成本 | | (40, ...