Annual Report 2022

225 年報 2022 ANNUAL REPORT NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 綜合財務報告附註 26 已抵押銀行存款╱銀行結存及現金 （續） (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： 於二零二二年十二月三十一日，本 集團為數港幣 141,235,000 元（二零 二一年：港幣 64,421,000 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。 於二零二二年十二月三十一日， 本集團的最大信貸風險為港幣 145,755,000 元（二零二一年：港幣 73,410,000 元）。 於二零二二年十二月三十一日， 銀行結存實際年利率於 0.01% 至 4.31% （ 二 零 二 一 年： 0.01% 至 1.15% ）。 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 2022 2021 二零二二年 二零二一年 HK$’000 HK$’000 港幣千元 港幣千元 RMB 人民幣 41,977 46,746 HKD 港幣 2,181 2,721 US$ 美元 74,156 17,298 EUR 歐元 27,493 4,475 Others 其他貨幣 – 2,247 145,807 73,487 As at 31 December 2022, funds of the Group amounting to HK$141,235,000 (2021: HK$64,421,000) were deposited in bank accounts opened with banks in the PRC where the remittance of funds is subject to foreign exchange control. The maximum exposure to credit risk of the Group as at 31 December 2022 were HK$145,755,000 (2021: HK$73,410,000). As at 31 December 2022, the effective interest rate on bank balances ranged from 0.01% to 4.31% per annum (2021: 0.01% to 1.15% per annum).