Core Viewpoint - Hong Kong Communications International Holdings (00248) announced the decision to withdraw the surrender value of a life insurance policy, which is set at HKD 6.585 million, to reduce bank borrowings and improve financial metrics [1] Group 1 - The company plans to withdraw the surrender value of a life insurance policy on January 6, 2026, with the value confirmed on January 8, 2026, at HKD 6.585 million [1] - The board believes that withdrawing the surrender value will provide an opportunity to reduce part of the bank borrowings, lower the debt-to-asset ratio, and related interest expenses, while also increasing working capital [1] - The terms of the withdrawal are considered fair and reasonable, aligning with the overall interests of the company and its shareholders [1]