51信用卡：2019年度报告.PDFVIP

Contents Corporate Information 2 ’ Chairman s Statement 5 Management Discussion and Analysis 8 Biographical Details of Directors and Senior Management 26 Report of the Directors 33 Corporate Governance Report 74 Environmental, Social and Governance Report 95 ’ Independent Auditor s Report 134 Consolidated Statement of Comprehensive (Loss)/Income 146 Consolidated Statement of Financial Position 148 Consolidated Statement of Changes in Equity 150 Consolidated Statement of Cash Flows 152 Notes to the Consolidated Financial Statements 154 Five -Year Financial Summary