Annual Report 2020

129 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 綜合財務報表附註 FOR THE YEAR ENDED 31ST DECEMBER, 2020 截至二零二零年十二月三十一日止年度 ANNUAL REPORT 2020 年度報告 22. 無抵押銀行借貸 無抵押銀行借貸包括： 22. UNSECURED BANK BORROWINGS Unsecured bank borrowings comprise: 2020 2019 二零二零年 二零一九年 Effective interest rate HK$’000 HK$’000 實際利率 千港元 千港元 Bank loans 銀行貸款 1.626%–5.463% (2019: 2.446%–3.700%) 1.626%–5.463% （二零一九年： 2.446% 至 3.700% ） 282,614 216,856 2020 2019 二零二零年 二零一九年 HK$’000 HK$’000 千港元 千港元 Carrying amount repayable*: 應償還賬面值 * ： Within one year 一年內 80,718 135,207 More than one year, but not exceeding two years 一年以上但不超過兩年 38,235 23,593 More than two years, but not exceeding five years 兩年以上但不超過五年 105,883 10,000 224,836 168,800 Carrying amount of bank loans that contain a repayment on demand clause (shown under current liabilities) and repayable within one year 包含按要求償還條款 （於流動負債列示）及 應於一年內償還之 銀行貸款之賬面值 57,778 48,056 282,614 216,856 Less: Amount due within one year shown under current liabilities 減：於流動負債列示之 一年內到期金額 (138,496) (183,263) Amounts due after one year shown as non-current liabilities 於非流動負債列示之 一年後到期金額 144,118 33,593 * The amounts due are based on scheduled repayment dates set out in the loan agreements. As at 31st December, 2020 and 31st December, 2019, the unsecured bank borrowings carry interest at floating rates, thus exposing the Group to cash flow interest rate risk. The interest rates are linked to Hong Kong Interbank Offered Rate (“HIBOR”) and PRC Loan Prime Rate (“LPR”). * 到期金額乃根據載於貸款協議之議定預定還款日期 釐定。 於二零二零年十二月三十一日及二零一九年十二月 三十一日，無抵押銀行借貸按浮動利率計息，因此 本集團須承擔現金流量利率風險。該等利率與香港 銀行同業拆息（「香港銀行同業拆息」）及中國貸款市 場報價利率（「貸款市場報價利率」）掛鈎。