Annual Report 2020

FOR THE YEAR ENDED 31 DECEMBER 2020 截至二零二零年十二月三十一日止年度 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 綜合財務報告附註 234 SHOUGANG CONCORD CENTURY HOLDINGS LIMITED 首長寶佳集團有限公司 29 銀行貸款 （續） 本集團的銀行貸款款項償還如下： 銀行借款的賬面值與其公平值相若。 於二零二零年十二月三十一日，固定利率 貸款之賬面值為港幣 492,460,000 元（二 零一九年：港幣 610,702,000 元）。 截至二零二零年十二月三十一日止年 度，本集團的銀行借款港幣 74,182,000 元（二零一九年：港幣 27,908,000 元）是 用租賃土地及樓宇及以土地使用權作為 抵押並於附註 25 披露。 於二零二零年十二月三十一日，未提取融 資總額為港幣 191,000 元（二零一九年： 港幣 1,593,000 元）。 銀行貸款之實際利率（亦相等於訂約利 率）的範圍如下： 29 BANK BORROWINGS (continued) The Group’s bank borrowings were repayable as follows: As at 31 December 於十二月三十一日 2020 2019 二零二零年 二零一九年 HK$’000 HK$’000 港幣千元 港幣千元 Within 1 year 一年內 492,460 400,461 Between 1 and 2 years 一至二年間 – 210,241 492,460 610,702 The carrying amounts of the bank borrowings approximate their fair values. As at 31 December 2020, the carrying amount of fixed rate borrowings is HK$492,460,000 (2019: HK$610,702,000). During the year ended 31 December 2020, bank borrowings of HK$74,182,000 (2019: HK$27,908,000) are secured by leasehold land and buildings and land use rights as disclosed in Note 25. As at 31 December 2020, total undrawn facilities amounted to HK$191,000 (2019: HK$1,593,000). The range of effective interest rates (which are also equal to contractual interest rates) on bank borrowings are as follows: As at 31 December 於十二月三十一日 2020 2019 二零二零年 二零一九年 Effective interest rate per annum: 實際年利率： Fixed rate borrowings 固定利率貸款 1.05% to 5.00% 1.05% 至 5.00% 2.55% to 5.44% 2.55% 至 5.44%