Annual Report 2019

236 SHOUGANG CONCORD CENTURY HOLDINGS LIMITED 首長寶佳集團有限公司 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 綜合財務報告附註 FOR THE YEAR ENDED 31 DECEMBER 2019 截至二零一九年十二月三十一日止年度 26 已抵押銀行存款╱銀行結存及現金 (b) 銀行結存及現金 （續） 銀行結存及現金的賬面值以下列貨 幣計值： 於二零一九年十二月三十一日，本 集團為數港幣 31,455,000 元（二零 一八年：港幣 35,904,000 元）存放 在中國境內銀行開立的銀行賬戶， 而有關資金的付匯受到外匯管制。 於二零一九年十二月三十一日， 本集團的最大信貸風險為港幣 47,743,000 元（二零一八年：港幣 66,568,000 元）。 於二零一九年十二月三十一日， 銀行結存實際年利率於 0.01% 至 1 . 15% （二零一八年： 0 . 01% 至 1.0%) 。 26 PLEDGED BANK DEPOSITS/BANK BALANCES AND CASH (continued) (b) Bank balance and cash (continued) The carrying amounts of bank balance and cash were denominated in the following currencies: As at 31 December 於十二月三十一日 2019 2018 二零一九年 二零一八年 HK$’000 HK$’000 港幣千元 港幣千元 RMB 人民幣 30,209 44,361 HKD 港幣 16,161 2,701 USD 美元 1,347 11,614 Others 其他貨幣 94 8,006 47,811 66,682 As a t 31 De c embe r 2019 , f u nd s o f t h e Group amounting to HK$31,455,000 (2018: HK$35,904,000) were deposited in bank accounts opened with banks in the PRC where the remittance of funds is subject to foreign exchange control. The max imum exposu re t o c red i t r i sk o f the Group as at 31 December 2019 were HK$47,743,000(2018: HK$66,568,000). As at 31 December 2019, the effective interest rate on bank balances ranged from 0.01% to 1.15% per annum (2018: 0.01% to 1.0% per annum).