Annual Report 2022

231 年報 2022 ANNUAL REPORT 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。 於二零二二年十二月三十一日，固定利 率貸款及浮息利率貸款之賬面值分別為 港幣 274,552,000 元（二零二一年：港幣 479,838,000 元）及港幣 180,000,000 元 （二零二一年：無）。 截至二零二二年十二月三十一日止年 度，本集團的銀行貸款港幣 335,000 元 （二零二一年：港幣 153,195,000 元）是以 應收票據、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。 於二零二二年十二月三十一日，未提取融 資總額為港幣 167,824,000 元（二零二一 年：港幣 73,405,000 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 2022, the carrying amount of fixed rate borrowings and variable rate borrowings are HK$274,552,000 (2021: HK$479,838,000) and HK$180,000,000 (2021: Nil) respectively. During the year ended 31 December 2022, bank borrowings of HK$335,000 (2021: HK$153,195,000) are secured by bills receivables, pledged bank deposits, leasehold land and buildings and land use rights as disclosed in Note 25. As at 31 December 2022, total undrawn facilities amounted to HK$167,824,000 (2021: HK$73,405,000). 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 2022 2021 二零二二年 二零二一年 Effective interest rate per annum: 實際年利率： Fixed rate borrowings 固定利率貸款 0.65% to 6.47% 0.65% 至 6.47% 0.65% to 5.66% 0.65% 至 5.66% Variable rate borrowings 浮息利率貸款 3.22% to 8.15% 3.22% 至 8.15% N/A 不適用