Vinhomes Green Paradise recognized as the first official participant of the global campaign "7 Wonders of Future Cities"

HO CHI MINH CITY, VIETNAM - Media OutReach Newswire - 20 November 2025 - Vinhomes Green Paradise has been officially recognized as the very first Official Participant of the global campaign "7 Wonders of Future Cities", launched by New7Wonders. Surpassing 90 proposals and applications from around the world to become the earliest project to satisfy the participation criteria, Vinhomes Green Paradise affirms its vision and international stature as a pioneering model for the future of 21st-century urban development.

Since the campaign officially opened on October 31, 2025, a total of 90 proposals and applications have been submitted globally. Among them, Vinhomes Green Paradise is honored to be the first project acknowledged by New7Wonders as an Official Participant.

According to the organization's evaluation framework, the Vietnamese representative distinguishes itself across three core pillars: Environmental & Nature, Smart City and Human-Centric development.

Vinhomes Green Paradise stands out as a strong applicant in the global campaign “7 Wonders of Future Cities”

Under the Environmental & Nature criterion, Vinhomes Green Paradise benefits from a rare coastal-forest ecosystem, bordered by the Can Gio Sea and the UNESCO-recognized 75,000-hectare Can Gio Mangrove Biosphere Reserve. The project spans 2,870 hectares with an exceptionally low construction density of only 16 percent. Most of the land is reserved for greenery and water surfaces, including a natural seawater Lagoon Lake of up to 800 hectares at the heart of the development. The entire complex enjoys a remarkable 121-kilometer shoreline, establishing an ecological environment comparable to leading coastal megacities worldwide.

In relation to the Smart City criterion, Vinhomes Green Paradise integrates IoT, Big Data and Artificial Intelligence into governance, operations and environmental monitoring, thereby forming a modern, safe and civilized urban environment.

Regarding the Human-Centric criterion, the project embraces a people-first development philosophy expressed through a comprehensive ecosystem of internationally benchmarked services in healthcare, education, senior living, culture, sports and entertainment.

Residents will experience world-class medical services provided by Vinmec in partnership with Cleveland Clinic (USA), global-standard education through Vinschool and Brighton College (UK), premium senior-living services via Vin New Horizon, and a vibrant cultural and lifestyle landscape that includes the 7-hectare Blue Waves Theatre, sports (two 18-hole golf courses designed by firms founded by two world-renowned figures, Tiger Woods and Robert Trent Jones), the 122-hectare VinWonders seaside complex and the lively Cosmo Bay culinary, retail and nightlife district.

Speaking at the certification ceremony, Mr. Jean-Paul de la Fuente, Director of New7Wonders and Chairman of the "7 Wonders of Future Cities", shared: "New7Wonders is happy to announce Vinhomes Green Paradise as the first applicant Official Participant in the 7 Wonders of Future Cities, joining our global campaign to choose the seven cities and developments that will inspire the future of humanity. Vinhomes Green Paradise meets all the key criteria of this campaign, as well as being a flagship mission of a pioneering and leading group in Asia and the world that is already actively delivering ESG and beyond across many of its activities. We are presenting the certificate of its first applicant Official Participant status in person, as a symbolic moment for the entire campaign, and also as it gives us a chance to visit the project in development, to see how it is shaping a truly extraordinary urban environment where nature, people, and technology are seamlessly interwoven and elevated - precisely what every Participant in the 7 Wonders of Future Cities should aspire to be!"

A key differentiator of Vinhomes Green Paradise lies in its elevated development strategy. Rather than merely complying with conventional global ESG standards, the project pioneers the enhanced ESG++ framework, built upon five pillars: Environment, Social, Governance, Regeneration and Climate Adaptation.

This green vision is applied rigorously from the construction phase. The project adopts advanced, low-impact technologies, most notably the K-DPM solution that transforms soft mud into durable reclamation material, significantly reducing indirect emissions, limiting pollution and eliminating the dependence on natural sand extraction.

When operational, the entire urban system is designed to be comprehensively decarbonized, targeting 100 percent clean electricity sourced from offshore wind power located 20 kilometers from the coast, complemented by solar energy and battery storage systems. Transportation within the development will be fully net-zero, comprising electric cars, electric motorbikes, electric buses, electric bicycles and electric canoes, as well as a high-speed rail link connecting directly to the center of Ho Chi Minh City.

Beyond strict compliance with environmental protection standards, Vinhomes Green Paradise prioritizes the conservation and regeneration of local flora and fauna, in harmony with Ho Chi Minh City's climate adaptation strategy. A dedicated Forest Regeneration and Climate Resilience Fund has been established to support long-term research, restoration and climate-response initiatives, with a particular focus on regenerating the Can Gio forest to form a protective green belt for the entire development.

With these orientations, Vinhomes Green Paradise aspires to achieve BREEAM and ISO 37122 certifications, two of the world's most rigorous green and smart city benchmarks, thereby positioning itself as a global ESG++ symbol and a benchmark for next-generation coastal cities.

Ms. Nguyen Thu Hang, CEO of Vinhomes, stated: "Environmental & Nature, Smart City and Human-Centric development are the three foundational pillars of Vinhomes Green Paradise. These pillars are not only our competitive advantage in the '7 Wonders of Future Cities' campaign, but also the guiding compass for Vinhomes as we shape a world-class urban icon, a truly exceptional living environment for global citizens and a representation of aspiration for a sustainable future."

The recognition of Vinhomes Green Paradise as the first Official Participant represents a significant milestone, affirming the project's vision, capabilities and international relevance. With its robust foundations, the development stands as a rising Asian highlight in the global journey toward identifying the "7 Wonders of Future Cities".

The global voting phase officially begins on October 31, 2026, with the final announcement scheduled for October 31, 2027.

This election marks another landmark initiative from New7Wonders, the internationally renowned organization behind the 2011 "New 7 Wonders of Nature" campaign. The "7 Wonders of Future Cities" initiative is expected to become a global phenomenon, engaging hundreds of millions of participants in redefining the urban icons of a new era, one shaped by greener, smarter and more human-centric cities.

Hashtag: #Vingroup

https://vinhomes.vn/en

The issuer is solely responsible for the content of this announcement.

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Ms. Nguyen Thu Hang, CEO of Vinhomes, and Mr. Jean-Paul de la Fuente, Director of New7Wonders and Chairman of the “7 Wonders of Future Cities” campaign at the ceremony presenting the Official Participant certificate for the Vinhomes Green Paradise project within the global “7 Wonders of Future Cities” campaign.

Net Profit Surges Nearly 40% with Interim Dividend of HK 1.4 cents per share

Financial Highlights

	For the six months ended 31 Aug
HK$'000	2026	2025	Change
Profit before taxation	62,877	44,696	+40.7%
Profit for the period attributable to shareholders	53,463	38,381	+39.3%
Net profit margin	63.6%	46.8%	+16.8 p.p
Basic earnings per share (HK cents)	2.8	2.0	+40.0%
Net interest margin	19.1%	16.4%	+2.7 p.p

HONG KONG SAR – Media OutReach Newswire – 28 October 2026 – The board of directors of Oi Wah Pawnshop Credit Holdings Limited (HKEx stock code: 1319.HK, the "Group" or "Oi Wah") announced its interim results and its financial position. For the six months ended 31 August 2026 ("FP2027"), the Group recorded revenue of approximately HK$84.1 million and profit attributable to shareholders of the Company of approximately HK$53.5 million, representing a year-on-year increase of approximately 39.3%.

During the period, earnings per share was HK 2.8 cents, representing a year-on-year increase of approximately 40.0%. The Board of Directors recommends an interim dividend of HK 1.4 cents.

Business Review

Mortgage loan business

In FP2027, the interest income of the mortgage loan business of the Group was approximately HK$31.6 million, which accounted for approximately 37.6% of the Group's total revenue. As at 31 August 2026, the gross mortgage loan receivable was approximately HK$582.5 million and during the period, the total new mortgage loans granted amounted to approximately HK$132.9 million. During the period, net interest margin of the mortgage loan business is about 10.8%. There were 36 new cases of mortgage loan transactions.

The Group recorded the reversal of impairment losses of loan receivables of approximately HK$2.9 million during the period, as compared to a charge for impairment losses of approximately HK$10.9 million for the six months ended 31 August 2025 ("FP2026"). It is mainly attributable to a slight increase in residential property prices in general in the first half of 2026.

Pawn Loan Business

During the period, the interest income generated from the pawn loan business was approximately HK$43.7 million in FP2027, representing a period-on-period increase of approximately 10.9%. The Group also recorded gain from disposal on repossessed assets of approximately HK$8.8 million.

During the period, the Group continued to channel resources to advertising and promotion, in order to enhance the Group's brand exposure. Such effort has generated demand of one-to-one pawn loan appointment services for pawn loans of loan size exceeding HK$0.1 million. The Group recorded average loan amount of approximately HK$13,000 per transaction during FP2027.

Prospects

Looking ahead, the global macroeconomic environment is anticipated to expand at a moderate pace, offset by persistent geopolitical tensions in the Middle East and structural inflationary pressures. Market volatility and interest rate trajectories have increasingly evolved into primary structural considerations for cross-border capital allocation. Amid these evolving economic conditions, international gold prices are expected to fluctuate within an elevated range near historical peaks, reinforcing the valuation stability of underlying collaterals and maintaining a prudent risk buffer for the Group's pawn loan portfolio. In Hong Kong, the Board anticipates that the residential property market will remain in a phase of structural consolidation and price recovery. Supported by sustained capital inflows from the Mainland, government talent admission frameworks, and steady primary market inventory clearance, residential demand is expected to recover progressively. Conversely, the commercial and industrial property sectors are projected to remain subdued, reflecting prolonged supply-demand realignments. Weighing these macro factors, the Board maintains a cautiously optimistic outlook on the local property sector and broader economy.

Having strengthened our credit risk management framework and optimized portfolio quality in recent periods, the Group has achieved a solid foundation in asset quality. With market conditions gradually stabilizing, the Board considers it opportune to rebalance our strategic focus towards capturing high-quality growth opportunities. To drive profit growth and revenue diversification, the Group is deepening its strategic partnership with PACM Group to scale its presence in real estate private credit management. Concurrently, the Group will step up its marketing efforts and actively explore lending opportunities to strengthen loan origination across both pawn and mortgage financing segments.

Furthermore, the Group will selectively pursue targeted acquisition opportunities of established pawn operators to expand customer reach, drive operational synergies, and reinforce brand equity. Through these dual-track growth strategies, the Group remains uniquely positioned to solidify its market-leading position and deliver sustainable long-term value for shareholders.

Mr. Edward Chan, Chairman, CEO and Executive Director of the Company, said, "In navigating a complex macro landscape, our strong business resilience and refined risk management drove a near 40% surge in net profit, demonstrating the core strength of our business model. As Hong Kong's residential property market gradually consolidates and recovers, we believe now is the right time to actively capture high-quality growth opportunities. Moving forward, we are executing a dual-engine strategy: expanding into real estate private credit management through strategic alliances, while pursuing targeted acquisitions of established pawn operators to broaden our reach. This multi-stream approach will reinforce our earnings base, solidify our market leadership, and deliver enduring value to our shareholders."

Hashtag: #靄華押業 #OiWah #中期業績 #InterimResults

The issuer is solely responsible for the content of this announcement.

Oi Wah Pawnshop Credit Holdings Limited

Oi Wah is a financing service provider in Hong Kong, mainly providing short-term secured financing, including pawn loans and mortgage loans. The Group established its first pawnshop in 1975 and currently owns 10 pawnshops and one premium service center in various locations in Hong Kong. Oi Wah diversified into mortgage loan business in 2009. The Group is the first local pawn shop which successfully listed on the Main Board of The Stock Exchange of Hong Kong Limited on 12 March 2013.

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