Annual Report 2021

FOR THE YEAR ENDED 31 DECEMBER 2021 截至二零二一年十二月三十一日止年度 224 SHOUGANG CENTURY HOLDINGS LIMITED 首佳科技製造有限公司 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 綜合財務報告附註 29 銀行貸款 （續） 銀行借款的賬面值與其公平值相若。 於二零二一年十二月三十一日，固定利率 貸款之賬面值為港幣 479,838,000 元（二 零二零年：港幣 492,460,000 元）。 截至二零二一年十二月三十一日止年 度，本集團的銀行貸款港幣 $70,977,000 元（二零二零年：港幣 74,182,000 元）是 以已抵押銀行存款、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。 於二零二一年十二月三十一日，未提取 融資總額為港幣 73,405,000 元（二零二零 年：港幣 191,000 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 carrying amounts of the bank borrowings approximate their fair values. As at 31 December 2021, the carrying amount of fixed rate borrowings is HK$479,838,000 (2020: HK$492,460,000). During the year ended 31 December 2021, bank borrowings of HK$70,977,000 (2020: HK$74,182,000) are secured by pledged bank deposits, leasehold land and buildings and land use rights as disclosed in Note 25. As at 31 December 2021, total undrawn facilities amounted to HK$73,405,000 (2020: HK$191,000). 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 2021 2020 二零二一年 二零二零年 Effective interest rate per annum: 實際年利率： Fixed rate borrowings 固定利率貸款 0.65% to 5.66% 0.65% 至 5.66% 1.05% to 5.00% 1.05% 至 5.00%