Interim Report 2022

82 Sunny Optical Technology (Group) Company Limited • INTERIM REPORT 2022 Notes to the Condensed Consolidated Financial Statements 簡明綜合財務報表附註 FOR THE SIX MONTHS ENDED 30 JUNE 2022 截至二零二二年六月三十日止六個月 21. 按預期信貸虧損模式計算之 貿易應收款項的減值評估 （續） 於二零二二年六月三十日，計提減值撥 備為人民幣 97,631,000 元，其中人民幣 10,683,000 元乃基於全期預期信貸虧損 （無信貸減值）內的撥備矩陣作出，而人民 幣 86,948,000 元的信貸減值應收款項則作 獨立評估。 22. 定期存款╱已抵押銀行存 款╱短期定期存款╱銀行 結餘及現金 定期存款固定年利率介乎 3.15% 至 4.18% 之間（二零二一年十二月三十一日： 3.85% 至 4.18% ）。該等定期存款原到期 期限為三年。總額為人民幣 500,000,000 元的定期存款將於一年內到期，人民幣 200,000,000 元的定期存款將於兩年以上 到期。 本集團已向銀行抵押其若干銀行存款作擔 保函的抵押品，已抵押銀行存款固定年利 率介乎 1.80% 至 3.50% 之間（二零二一年 十二月三十一日： 1.80% 至 3.50% ）。 短期定期存款按介乎 1.10% 至 3.02% 之間 （二零二一年十二月三十一日： 1.20% 至 1.90% ）的固定年利率計息。短期定期存款 原到期日介乎三個月至一年，因而被分類 為流動資產。 銀行結餘指儲蓄賬戶及存款，按介乎 0.30% 至 1.70% 之間（二零二一年十二月 三十一日： 0.30% 至 1.70% ）的市場儲蓄存 款年利率計息。 21.IMPAIRMENT ASSESSMENT ON TRADE RECEIVABLES SUBJECT TO EXPECTED CREDIT LOSS MODEL (Continued) As at 30 June 2022, the impairment allowance was provided in the amount of RMB97,631,000, among which RMB10,683,000 was made based on the provision matrix with life time ECL (not credit-impaired) and RMB86,948,000 was assessed individually on the credit-impaired debtors. 22.TIME DEPOSITS/PLEDGED BANK DEPOSITS/SHORT TERM FIXED DEPOSITS/BANK BALANCES AND CASH The time deposits carry fixed interest rates ranging from 3.15% to 4.18% (31 December 2021: 3.85% to 4.18%) per annum. The original maturity period of these time deposits is three years. The time deposits with a total amount of RMB500,000,000 will be matured within one year, RMB200,000,000 will be matured within a period of more than two years. The Group pledged certain of its bank deposits to banks as security for letters of guarantee and the pledged bank deposits carry fixed interest rates ranging from 1.80% to 3.50% (31 December 2021: 1.80% to 3.50%) per annum. Short term fixed deposits carry fixed interest rate ranging from 1.10% to 3.02% (31 December 2021: 1.20% to 1.90%) per annum. Short term fixed deposits have original maturity dates ranging from three months to one year and are therefore classified as current assets. Bank balances, which represent saving accounts and deposits, carry interest at market saving rates ranging from 0.30% to 1.70% (31 December 2021: 0.30% to 1.70%) per annum.