Page 200 - 香港房屋協會 Hong Kong Housing Society Annual Report 2020/2021

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HONG KONG HOUSING SOCIETY ANNUAL REPORT 2020/21
5. Financial risk management objectives and policies (continued)
(a) Credit risk (continued)
Maximum exposure and year-end staging (continued)
As at 31 March 2021
5.
財務風險管理目標及政策(續)
(a)
信貸風險(續)
承受的最高風險和年末階段 (續)
於二零二一年三月三十一日
12-month ECLs
Lifetime ECLs
十二個月預期 信貸虧損
全期預期信貸虧損
Stage 1
Stage 2
Stage 3
Simplified approach
Total
(in HK$Million) (港幣百萬元)
第一階段
第二階段
第三階段
簡化方法
總額
Rent receivables
應收租金
–
–
–
12.4
12.4
Loans receivable
應收貸款
– Normal*
-正常*
37.7
–
–
–
37.7
– Doubtful*
-可疑*
–
2.0
–
–
2.0
– Loss*
-呆賬*
–
–
1.5
–
1.5
Financial assets included in prepayments and other assets
包含預付費用和其他資產在 內的財務資產
– Normal*
-正常*
285.8
–
–
–
285.8
Cash and bank balances
現金及銀行結餘
– Not yet past due
-未逾期
11,727.7
–
–
–
11,727.7
Guarantees given to banks in connection with mortgage loans**
與銀行抵押貸款有關的 保證**
– Not yet past due
-未逾期
2,347.4
–
–
–
2,347.4
14,398.6
2.0
1.5
12.4
14,414.5