Core Viewpoint - The company, Global Credit Group (01669.HK), will hold a board meeting on August 28, 2025, to consider and approve its interim results for the six months ending June 30, 2025, and to discuss the potential distribution of an interim dividend, if any [1] Group 1 - The board meeting is scheduled for August 28, 2025 [1] - The meeting will focus on the interim results for the six months ending June 30, 2025 [1] - The company will also consider the distribution of an interim dividend during the meeting [1]

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的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 承董事會命 環球信貸集團有限公司 主席兼總裁 王瑤 香港，二零二五年八月十五日 GLOBAL INTERNATIONAL CREDIT GROUP LIMITED 環球信貸集團有限公司 （於開曼群島註冊成立的有限公司） (股份代號 : 1669) 董事會召開日期 環球信貸集團有限公司（「本公司」）董事會（「董事會」）謹此公佈，本公司將於二零二五年八 月二十八日（星期四）舉行董事會會議，藉以（其中包括）考慮及通過本公司及其附屬公司截 至二零二五年六月三十日止六個月之中期業績及其發佈，及考慮派發中期股息（如有）。 於本公告日期，本公司執行董事為王瑤女士、金曉琴女士及葉莉盈女士；及本公司獨立非執行 董事為吳麗文博士、文耀光先生及浦炳榮先生。 ...

Core Viewpoint - The company, Global Credit Group, has announced the signing of twelve renewal loan agreements with borrowers A, B, and C, involving a total secured loan amount of HKD 30.583 million, effective from August 1, 2025 [1] Group 1 - The total amount of the secured loans is HKD 30.583 million [1] - The agreements involve three borrowers identified as Client A, Client B, and Client C [1] - The loans are set to be effective from August 1, 2025 [1]

Core Viewpoint - Global Credit Group (01669) announced the signing of twelve renewal loan agreements with clients A, B, and C, involving a total secured loan amount of HKD 30.583 million, effective from August 1, 2025 [1] Group 1 - The company’s indirect wholly-owned subsidiary, Global Credit, will act as the lender in these agreements [1] - The total amount of the secured loans is HKD 30.583 million [1] - The agreements are part of a broader strategy to maintain lending relationships with existing clients [1]

Core Viewpoint - Global Credit Group (01669.HK) announced the establishment of twelve renewal loan agreements with a total amount of HKD 30,582,947, replacing fourteen previous loan agreements with an outstanding principal of the same amount [1] Group 1: Loan Agreements - The new loan agreements will be effective from August 1, 2025, involving borrowers A, B, or C [1] - Prior to the new agreements, Global Credit had established twenty-one original loan agreements with a total principal amount of HKD 39,787,893 [1] - The outstanding principal amount of the fourteen previous loan agreements being replaced is HKD 30,582,947 [1] Group 2: Business Operations - The company primarily engages in providing property mortgage loans and personal loans in Hong Kong under the Money Lenders Ordinance [1] - Global Credit acts as the lender for both the new and previous loans, being an indirect wholly-owned subsidiary of the company [1]

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的內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示概不就因本公告全部或任何部 分內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 GLOBAL INTERNATIONAL CREDIT GROUP LIMITED 環球信貸集團有限公司 （於開曼群島註冊成立的有限公司） （股份代號：1669） 須 予 披 露 交 易 提 供 財 務 資 助 提供貸款 董事會欣然宣布，於二零二五年八月一日，環球信貸(為作放貸人) 與客 戶 A、 客 戶 B 或 客 戶 C，作為借款人，訂立十二項續約貸款協議，據此，環球信貸 同意授出十二項總金額為30,582,947港元的 有 抵 押 貸 款 。 於訂立新貸款協議前，環球信貸(作為放貸人) 已訂立前貸款協議向客 戶 A、客 戶 B 或 客 戶 C 授 出 二 十 一項原貸款本金總額為39,787,893港元的有抵押貸款 。 當中未償還本金總額為30,582,947港元的十 四項前貸款協議將由新貸款協議取替。 本集團主要根據放債人條例於香港從事提供物業按揭貸款及私人貸款的貸款 業務。環球信貸，作為新貸款及 ...

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 截至月份: 2025年7月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 環球信貸集團有限公司 呈交日期: 2025年8月1日 I. 法定/註冊股本變動 | 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) | 01669 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 10,000,000,000 | HKD | | 0.01 | HKD | | 100,000,000 | | 增加 / 減少 (-) | | | | | | | HKD | | | | 本月底結存 | | | 10,000,000,000 | HKD | | 0.01 | HKD | | 100,000,000 | 本月底法定/ ...

Key Points - As of June 10, 147 stocks reached their 52-week highs, with Rongtai Group (01172), Shide Global (00487), and Nanshun (Hong Kong) (00411) leading the high rate at 90.48%, 75.24%, and 56.25% respectively [1] - The highest closing prices for the top three stocks were 0.055, 0.144, and 12.980 respectively, with their peak prices reaching 0.080, 0.184, and 17.000 [1] - Other notable stocks that reached new highs include China Rare Earth (00769) at 24.64%, China Silver Group (00815) at 16.67%, and 51 Credit Card (02051) at 16.28% [1] - The report also highlights a list of stocks that reached their 52-week lows, with the lowest being Cornerstone Financial (08112) at -13.51% [4] - The stock market shows a mix of performance, with some stocks experiencing significant gains while others are declining [4][5]

Group 1 - As of June 3, a total of 105 stocks reached their 52-week highs, with Huayin International Holdings (00989), Dingyifeng Holdings (00612), and Youquhui Holdings (02177) leading the high rate at 57.26%, 37.93%, and 23.02% respectively [1] - The closing prices and highest prices for the top three stocks are as follows: Huayin International Holdings at 1.370 and 1.950, Dingyifeng Holdings at 0.770 and 0.800, and Youquhui Holdings at 3.550 and 3.580 [1] - Other notable stocks that reached their 52-week highs include China Antibody-B (03681) with a high rate of 21.62% and Fengcheng Holdings (02295) at 19.52% [1] Group 2 - The report also lists stocks that reached their 52-week lows, with Des Holdings (08437) showing the largest decline at -38.79%, followed by Dimi Life Holdings (01667) at -20.50% [3] - The closing prices and lowest prices for the top three stocks that reached their lows are: Des Holdings at 0.177 and 0.071, Dimi Life Holdings at 0.140 and 0.128, and Lujizhi Technology (01745) at 0.197 and 0.194 [3] - Other stocks with significant declines include GBA Group (00261) at -11.48% and Baide International (02668) at -10.88% [3]

Financial Performance - Revenue increased modestly by HK$2.0 million or 2.3% from HK$87.9 million in FY2023 to HK$89.9 million in FY2024[15]. - Net profit for FY2024 decreased by HK$4.5 million or 9.0% to HK$45.8 million compared to HK$50.3 million in FY2023[15]. - Impairment losses on loans and interest receivables rose to HK$10.0 million in FY2024 from HK$4.7 million in the prior year, impacting profitability[15]. - Profit and total comprehensive income decreased by 9.0% from HK$50.3 million in FY2023 to HK$45.8 million in FY2024[52][58]. - Administrative expenses increased from HK$22.7 million in FY2023 to HK$25.1 million in FY2024, representing an increase of HK$2.4 million or 10.6%[36]. - Employee benefit expenses rose by HK$1.4 million or 13.1% from HK$10.7 million in FY2023 to HK$12.1 million in FY2024[37]. - Other income increased by HK$0.5 million from HK$1.8 million in FY2023 to HK$2.3 million in FY2024, mainly due to an increase in bank interest income[34]. - Finance costs decreased by 25.0% from HK$0.4 million in FY2023 to HK$0.3 million in FY2024 due to a reduction in average borrowings[48][54]. - The effective tax rate increased from 16.4% in FY2023 to 16.9% in FY2024[51][57]. Loan Portfolio and Credit Risk - The Group's gross loans receivable and repossessed assets declined by HK$91.5 million or 10.8% from HK$845.0 million as of December 31, 2023, to HK$753.5 million as of December 31, 2024[15]. - The Group's gross loans receivable decreased by approximately HK$88.6 million or 10.6% from HK$834.7 million as of December 31, 2023, to HK$746.1 million as of December 31, 2024[26]. - The overall weighted average loan-to-value ratio was managed at 60.7% as of December 31, 2024, indicating a cautious credit policy[18]. - The overall weighted average loan-to-value ratio was maintained at 60.7% as of December 31, 2024, up from 60.0% in 2023[29]. - As of December 31, 2024, approximately 97% of remaining credit impaired loans and interest receivables were first mortgage loans[46]. - The Group's principal loan products include first mortgage loans and subordinated mortgage loans, with approximately 70% of the portfolio secured by residential properties[79]. - The standard annual interest rates for mortgage loans during FY2024 ranged from 8% to 25.0%[80]. - The Group will focus on enhancing its loan portfolio by minimizing exposure to high-risk segments and adjusting pricing strategies[64]. - The management will continue to conduct its loan business cautiously and actively manage credit risks amid upcoming challenges[18]. Market Conditions - The Hong Kong property market saw a decline in residential property prices by 7.2% during the year, influenced by high-interest rates and reduced investor confidence[13]. - The Private Domestic Property Price Index in Hong Kong fell by 7.2% from 311.3 in December 2023 to 288.9 in December 2024[25]. - The economic outlook for 2025 indicates potential loan growth supported by moderating geopolitical tensions and interest rate reductions, although the property market remains a concern[59]. Corporate Governance - The company has adopted and complied with the relevant code provisions under the Corporate Governance Code as of December 31, 2024, with the exception of the roles of chairman and chief executive being held by the same individual, Ms. Wang Yao[124]. - The Board currently comprises six Directors, including three executive Directors and three independent non-executive Directors, ensuring a balance of skills and experience in various fields[128]. - The independent non-executive Directors have confirmed their independence in accordance with the Listing Rules, and the company considers them to be independent[131]. - The company emphasizes high-quality governance, sound internal controls, and transparency to all shareholders[123]. - The Board has established three committees: Audit, Remuneration, and Nomination, each with defined written terms of reference[170]. - The Audit Committee, consisting of independent non-executive Directors, was established on November 22, 2014, to oversee the Company's financial reporting and audit processes[171][176]. - The Audit Committee's primary duties include reviewing the Group's financial policies, ensuring coordination between internal and external auditors, and monitoring the effectiveness of internal controls[178]. - The Board will continue to review the appropriateness of the current structure regarding the roles of chairman and chief executive[124]. - The company will propose amendments to its corporate governance policies as necessary to ensure compliance with the Code Provisions[125]. Employee and Management - The Group employed 19 full-time employees as of December 31, 2024, compared to 18 in the previous year[100]. - Total employee benefit expenses for FY2024 were HK$12.1 million, an increase from HK$10.7 million in FY2023[100]. - Continuous professional development (CPD) is arranged for all Directors to update their knowledge on relevant statutes and corporate governance practices[158]. - The remuneration policy for Directors is linked to their performance and the profitability of the Company during the year[188]. - The Group maintains strong relationships with employees and customers to ensure sustainable development[94]. Risk Management - The Group has implemented policies for continuous monitoring of the property market and collateral values to mitigate market risks[88]. - The Group's operational risk management is guided by standard operating procedures and regular assessments of key operational exposures[87]. - The company has effective risk management and internal control systems in place to provide adequate checks and balances[124].