N O T I F I C AT I O N L E T T E R 通 知 信 函 (Incorporated in Hong Kong with limited liability) （於香港註冊成立之有限公司） (Stock Code 股份代號: 00070) Dear non-registered holder(s), 31 March 2026 Rich Goldman Holdings Limited (the "Company") - Notice of Publication of 2025/2026 Interim Report (the "Current Corporate Communication") The Current Corporate Communication of the Company has been published in English and Chinese languages and are available on the website of The Stock Exchange of Hong Kong Limited ("HKEX") at www. ...

Dear registered shareholder(s), Rich Goldman Holdings Limited (the "Company") - Notice of Publication of 2025/2026 Interim Report (the "Current Corporate Communication") (Incorporated in Hong Kong with limited liability) （於香港註冊成立之有限公司） (Stock Code 股份代號: 00070) N O T I F I C AT I O N L E T T E R 通 知 信 函 31 March 2026 The Current Corporate Communication of the Company has been published in English and Chinese languages and are available on the website of The Stock Exchange of Hong Kong Limited ("HKEX") at www ...

Financial Performance - The company reported a loss attributable to shareholders of approximately HKD 10.1 million for the six months ending December 31, 2025, compared to a loss of HKD 59.3 million for the same period in 2024, representing a reduction of approximately HKD 51.7 million[6]. - The company experienced a net loss of HKD (9,793,000) for the period, a significant improvement compared to a net loss of HKD (61,486,000) in the previous year, indicating a recovery trend[40]. - The company reported a total comprehensive loss of HKD 9,513,000 for the six months ended December 31, 2025, compared to a loss of HKD 65,898,000 for the same period in 2024, representing a significant improvement[41]. - The group reported a pre-tax loss of HKD 10,793,000 for the six months ended December 31, 2025, compared to a pre-tax loss of HKD 60,443,000 for the same period in 2024[55]. - The basic and diluted loss per share for the six months ended December 31, 2025, was HKD 0.52, compared to HKD 3.06 for the same period in 2024, indicating a reduction in losses[41]. Revenue and Income - For the six months ended December 31, 2025, the company reported revenues of HKD 62,410,000, a decrease of 7.7% compared to HKD 67,724,000 for the same period in 2024[40]. - Revenue from credit business was HKD 38,062,000, down 8.1% from HKD 41,581,000 year-on-year[52]. - Hotel operations generated revenue of HKD 9,712,000, a decline of 2.6% compared to HKD 9,968,000 in the previous year[52]. - Rental income from investment properties was HKD 14,636,000, down 9.5% from HKD 16,175,000 in the same period last year[52]. - The company reported other income of HKD 2,191,000 for the period, an increase from HKD 1,890,000 in the previous year, reflecting diversification in revenue streams[40]. Assets and Liabilities - The total assets as of December 31, 2025, amounted to HKD 1,358,407,000, an increase from HKD 1,339,455,000 as of June 30, 2025[59]. - The company's total liabilities increased to HKD 205,508,000 as of December 31, 2025, from HKD 174,611,000 as of June 30, 2025, indicating a rise in financial obligations[43]. - The group’s total liabilities as of December 31, 2025, amounted to HKD 123,335,000, up from HKD 98,385,000 as of June 30, 2025, representing a growth of approximately 25.4%[81]. - Non-current assets totaled HKD 1,113,532,000 as of December 31, 2025, slightly down from HKD 1,119,587,000 as of June 30, 2025[42]. - Current assets increased to HKD 244,875,000 as of December 31, 2025, compared to HKD 219,868,000 as of June 30, 2025, reflecting improved liquidity[42]. Cash Flow - The company experienced a net cash outflow from operating activities of HKD 3,051,000 for the six months ended December 31, 2025, compared to a cash inflow of HKD 24,547,000 for the same period in 2024[48]. - Investment activities resulted in a cash outflow of HKD 4,248,000 for the six months ended December 31, 2025, compared to a cash inflow of HKD 1,481,000 in the previous year[48]. - Financing activities generated a cash inflow of HKD 23,682,000 for the six months ended December 31, 2025, contrasting with a cash outflow of HKD 29,735,000 for the same period in 2024[48]. - Cash and cash equivalents at the end of the period were HKD 89,686,000, up from HKD 73,419,000 at the beginning of the period, showing a net increase of HKD 16,383,000[48]. Borrowings and Financing - Total borrowings amounted to approximately HKD 159.9 million as of December 31, 2025, an increase from HKD 134.0 million as of June 30, 2025, with a debt-to-equity ratio of approximately 16.6% compared to 13.8% previously[16][17]. - The company has a non-committed revolving loan facility of HKD 200.0 million, of which approximately HKD 109.8 million was utilized as of December 31, 2025[17]. - The company established a new revolving loan facility (Loan B) with a limit of HKD 200,000,000, set to mature on December 3, 2026[82]. - The interest rate on secured bank borrowings increased to 6.0% as of December 31, 2025, up from 4.4% as of June 30, 2025[84]. - The company repaid approximately HKD 31,800,000 to non-controlling shareholders of Fast Advance, resulting in a loss of early repayment of HKD 5,106,000 recognized in the profit and loss statement[86]. Operational Performance - The hotel operations achieved an average occupancy rate of 99.5% for the six months ending December 31, 2025, with room revenue of approximately HKD 9.7 million, slightly down from HKD 10.0 million in 2024[10]. - The hotel operations reported a profit before tax of approximately HKD 2.8 million for the six months ending December 31, 2025, compared to a loss of approximately HKD 31.5 million for the same period in 2024[10]. - The property leasing business reported a loss before tax of approximately HKD 98,000 for the six months ending December 31, 2025, a significant improvement from a loss of approximately HKD 7.8 million in 2024[13]. - The group operates three segments: credit business, hotel operations, and property leasing, with distinct management strategies for each[53]. Credit Management - The company has implemented AI-supported automated loan approval systems to enhance efficiency in its lending operations[9]. - The company is focusing on strengthening credit management and has introduced machine learning-based customer data systems for automated credit decision-making[9]. - The average credit period granted to travel agencies and corporate clients is not more than 30 days, while other customers are not offered credit terms[78]. - The company maintains a strict credit policy for its property leasing business, requiring clients to pay rental deposits and advance monthly rent[78]. - The total expected credit loss for receivables decreased from HKD 51,880,000 to HKD 17,822,000 during the six months ending December 31, 2025[76]. Shareholder Information - The company has a significant shareholder, Ms. Lian Qiwen, who holds 70.89% of the issued share capital, ensuring strong control over corporate governance[33]. - The company declared no interim dividend for the six months ended December 31, 2025, consistent with the previous period[26]. - The group did not recommend any interim dividend for the six months ended December 31, 2025[64]. Employee Information - The total number of employees as of December 31, 2025, was 69, with compensation policies reviewed by the remuneration committee[25]. - The total compensation for key management personnel for the six months ended December 31, 2025, was HKD 2,518,000, compared to HKD 2,425,000 for the same period in 2024, indicating an increase of 3.8%[90]. Investment Properties - The fair value loss on investment properties was HKD (8,069,000), which is less than the loss of HKD (17,257,000) reported in the previous year, suggesting stabilization in property valuations[40]. - The fair value of investment properties located in China was reported at HKD 493,603,000, slightly down from HKD 497,595,000 as of June 30, 2025[92]. - The group’s total investment properties fair value decreased to HKD 574,103,000 as of December 31, 2025, down from HKD 581,895,000 as of June 30, 2025[68].

FF301 第 1 頁 共 10 頁 v 1.2.0 FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 II. 已發行股份及/或庫存股份變動及足夠公眾持股量的確認 | 截至月份: | 2026年2月28日 | 狀態: | 新提交 | | --- | --- | --- | --- | | 致：香港交易及結算所有限公司 | | | | | 公司名稱: | 金粵控股有限公司 | | | | 呈交日期: | 2026年3月3日 | | | | I. 法定/註冊股本變動 | 不適用 | | | 第 2 頁 共 10 頁 v 1.2.0 III.已發行股份及/或庫存股份變動詳情 (A). 股份期權（根據發行人的股份期權計劃） 1. 股份分類 普通股 股份類別 不適用 於香港聯交所上市 (註1) 是 證券代號(如上市) 00070 說明 股份期權計劃詳情 上月底結存的股份期權數 目 本月內變動 本月底結存的股份期權數 目 本月內因此發行的新股數 目 (A1) 本月内因此自庫存轉讓的 庫存股份數目 (A2) 本月底因此可能發行或自 庫存轉讓的股份數目 本月底可於所有根據計劃 授出的 ...

Group 1 - The company, Jin Yue Holdings (00070), reported a revenue of HKD 62.41 million for the six months ending December 31, 2025, representing a year-on-year decrease of 7.85% [1] - The loss attributable to shareholders narrowed to HKD 10.079 million, a reduction of 83% compared to the previous year [1] - The loss per share was reported at HKD 0.052 [1]

Group 1 - The company reported a revenue of 62.41 million HKD for the six months ending December 31, 2025, representing a year-on-year decrease of 7.85% [1] - The loss attributable to the company's owners was 10.079 million HKD, which narrowed by 83% compared to the previous year [1] - The loss per share was 0.052 HKD [1]

Financial Performance - Revenue for the six months ended December 31, 2025, was HKD 62,410,000, a decrease of 7.5% compared to HKD 67,724,000 for the same period in 2024[2] - Operating loss for the period was HKD 5,761,000, significantly improved from a loss of HKD 53,148,000 in the previous year, representing an 89.2% reduction[2] - Loss before tax decreased to HKD 10,793,000 from HKD 60,443,000, marking an 82.1% improvement year-over-year[2] - Total comprehensive loss for the period was HKD 9,513,000, down from HKD 65,898,000, indicating an 85.5% reduction[3] - Basic and diluted loss per share improved to HKD 0.52 from HKD 3.06, reflecting a significant recovery in performance[3] - The group reported a loss attributable to shareholders of approximately HKD 10.1 million (loss per share of approximately HKD 0.052) for the six months ended December 31, 2025, compared to a loss of approximately HKD 59.3 million for the same period in 2024[42] - The group reported a loss of approximately HKD 51.7 million for the six months ending December 31, 2025, a decrease from the loss recorded for the same period in 2024, despite a revenue decline of about HKD 5.3 million[43] Assets and Liabilities - Non-current assets totaled HKD 1,113,532,000 as of December 31, 2025, slightly down from HKD 1,119,587,000 as of June 30, 2025[4] - Current liabilities increased to HKD 205,508,000 from HKD 174,611,000, indicating a rise in short-term financial obligations[5] - Total assets as of December 31, 2025, amounted to HKD 1,358,407,000, an increase from HKD 1,339,455,000 as of June 30, 2025[12] - Total liabilities were HKD 292,380,000 as of December 31, 2025, compared to HKD 263,915,000 on June 30, 2025[12] - The company reported a net asset value of HKD 1,066,027,000, down from HKD 1,075,540,000, reflecting a slight decrease in overall equity[5] Revenue Breakdown - The group’s main businesses include credit, hotel operations, and property leasing, indicating a diversified revenue stream[8] - For the six months ended December 31, 2025, total revenue was HKD 62,410,000, a decrease of 7.5% from HKD 67,724,000 for the same period in 2024[11] - The credit business generated revenue of HKD 38,062,000, down 8.5% from HKD 41,581,000 in the previous year[11] - Hotel operations revenue was HKD 9,712,000, a decline of 2.6% compared to HKD 9,968,000 in 2024[11] - Property leasing revenue decreased to HKD 14,636,000, down 9.5% from HKD 16,175,000 in the prior year[11] Cash and Liquidity - Cash and cash equivalents rose to HKD 89,686,000 from HKD 73,419,000, showing improved liquidity[4] - The group maintained a cash and bank balance of approximately HKD 89.7 million as of December 31, 2025, compared to HKD 73.4 million as of June 30, 2025[51] Borrowings and Debt - The group has secured bank borrowings of HKD 109,771,000 as of December 31, 2025, an increase from HKD 89,646,000 as of June 30, 2025[35] - The group’s total borrowings, including interest payable, amounted to HKD 123,335,000 as of December 31, 2025, compared to HKD 98,385,000 as of June 30, 2025[35] - The group entered into a new loan agreement for a revolving loan facility with a limit of HKD 200,000,000, which will mature on December 3, 2026[36] - The debt-to-equity ratio as of December 31, 2025, was approximately 16.6%, up from 13.8% as of June 30, 2025[53] Impairments and Provisions - The provision for loan impairment increased to HKD 54,198,000 as of December 31, 2025, from HKD 42,825,000 on June 30, 2025, representing a rise of about 26.5%[24] - The provision for interest receivables rose to HKD 5,854,000 as of December 31, 2025, from HKD 3,919,000 on June 30, 2025, reflecting an increase of approximately 49.4%[28] - Provisions for estimated irrecoverable trade receivables amounted to approximately HKD 565,000 as of December 31, 2025, down from HKD 781,000 as of June 30, 2025[33] Operational Highlights - The hotel operations achieved an average occupancy rate of 99.5% for the six months ending December 31, 2025, with room revenue of approximately HKD 9.7 million, a slight decrease of about HKD 0.3 million from HKD 10.0 million in the previous year[47] - The hotel operations reported a profit before tax of approximately HKD 2.8 million for the six months ending December 31, 2025, compared to a loss of about HKD 31.5 million for the same period in 2024, primarily due to a reversal of impairment losses[47] - The property leasing business recorded a loss before tax of approximately HKD 98,000 for the six months ending December 31, 2025, a significant improvement from a loss of about HKD 7.8 million in the previous year[49] Shareholder Information - The group’s equity as of December 31, 2025, remained stable with 1,938,823 thousand shares issued, maintaining a total capital of HKD 1,317,736,000[41] - The group’s non-controlling shareholder, Ms. Lian Qiweng, held approximately 70.9% of the issued share capital as of December 31, 2025, consistent with the previous period[38] - As of December 31, 2025, the total number of issued shares is approximately 1,938,823,000 shares, unchanged from June 30, 2025[54] Dividends and Recommendations - No interim dividend was recommended for the six months ended December 31, 2025[19] - No interim dividend will be declared for the six months ended December 31, 2025[63] Audit and Compliance - The audit committee has reviewed the interim results for the six months ended December 31, 2025, and found them to comply with applicable accounting standards[65]

Group 1 - The company expects a loss of approximately 10 million HKD for the six months ending December 31, 2025, compared to a loss of about 61 million HKD for the same period in 2024 [1] - The reduction in loss for the 2025 interim period is approximately 51 million HKD compared to the 2024 interim period, despite a decrease in revenue of about 5 million HKD [1] - The improvement in loss is primarily due to a reversal of impairment losses on properties amounting to approximately 6 million HKD, compared to an impairment loss of about 28 million HKD in the 2024 interim period [1] Group 2 - The fair value loss on investment properties decreased by approximately 9 million HKD compared to the 2024 interim period [1] - The company reported other income of approximately 302,000 HKD, while the 2024 interim period recorded other losses of about 5 million HKD [1]

Core Viewpoint - The company, Jin Yue Holdings (00070), anticipates a loss of approximately HKD 10 million for the six months ending December 31, 2025, which is an improvement compared to a loss of about HKD 61 million for the same period in 2024 [1] Financial Performance - The loss for the mid-year of 2025 is expected to decrease by approximately HKD 51 million compared to the mid-year of 2024 [1] - Revenue is projected to decline by about HKD 5 million compared to the mid-year of 2024 [1] Impairment and Fair Value Adjustments - The reduction in loss is primarily attributed to a reversal of impairment losses on properties (classified as property, plant, and equipment) amounting to approximately HKD 6 million, compared to an impairment loss of about HKD 28 million in the mid-year of 2024 [1] - The fair value loss on investment properties decreased by approximately HKD 9 million compared to the mid-year of 2024 [1] Other Income - The company reported other income of approximately HKD 302,000, while in the mid-year of 2024, it recorded other losses of about HKD 5 million [1]

內幕消息 預期虧損顯著減少 本公告由金粵控股有限公司（「本公司」，連同其附屬公司統稱「本集團」）根據香港 聯合交易所有限公司證券上市規則（「上市規則」）第13.09(2)(a)條及香港法例第571 章證券及期貨條例第XIVA部內幕消息條文（定義見上市規則）作出。 本公司董事會（「董事會」）謹此通知本公司股東（「股東」）及有意投資者，根據本集 團截至二零二五年十二月三十一日止六個月（「二零二五年中期」）未經審核綜合管 理賬目之初步評估及本集團管理層現時所得之資料，預期本集團於二零二五年中 期錄得虧損約港幣10百萬元，而截至二零二四年十二月三十一日止六個月（「二零 二四年中期」）則為虧損約港幣61百萬元。 二零二五年中期之虧損較二零二四年中期減少約港幣51百萬元。儘管收益較二零 二四年中期減少約港幣5百萬元，虧損減少乃主要由於(i)本集團所持物業（分類為 物業、廠房及設備）之減值虧損錄得撥回約港幣6百萬元，而二零二四年中期則錄 得減值虧損約港幣28百萬元；(ii)本集團之投資物業公平值虧損較二零二四年中期 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責， 對其準確性或完整性亦不發表任何聲明 ...