Trinity Medical Group Celebrates 10th Anniversary

New Board Appointments and Strategic Partnerships Drive Fresh Momentum Accelerating Expansion into Chinese Medicine and Physiotherapy

HONG KONG SAR - Media OutReach Newswire - 4 March 2026 – Trinity Medical Group ("Trinity Medical" or the "Group"), a leading provider of patient-centred healthcare premium diagnostic imaging and screening services, today marks a significant milestone with its 10th anniversary. The Group is pleased to announce the appointment of Professor Wu Ting-yuk, Anthony, GBS, JP, Member of the Standing Committee of the 12th and 13th National Committee of the Chinese People's Political Consultative Conference (CPPCC), and Dr. the Honourable Lam Ching-choi, GBS, JP, Member of the Executive Council, to its Board Members. In addition, the Group has entered into strategic partnerships with FWD, Prudential Hong Kong Limited, YF Life Insurance International Limited and United Imaging (in alphabetical order of company names), enhancing cross-sector synergies between premium healthcare services and insurance solutions to deliver comprehensive and high-quality care for clients.

Trinity Medical Group hosts its 10th anniversary celebration, which brings together distinguished leaders from the government, business, and medical sectors. The event is a remarkable success and sees an exceptional turnout.

The Group celebrated its 10th anniversary yesterday (3 March), bringing together distinguished guests, Professor Lo Chung-mau, BBS, JP, Secretary for Health; Mr. Fan Hung-ling, Henry, SBS, JP, Chairman of the Hospital Authority; Mr. Tong Ka-shing, Carlson, GBS, JP, Chairman of Hong Kong Exchanges and Clearing Limited; and Professor Ma Si-hang, Frederick, GBS, JP, Chairman of the Hong Kong Trade Development Council, to commemorate this major chapter in its journey.

Mr. Lau Kevin Chung-hang, MH, Founder of Trinity Medical Group, remarked in the welcome speech, "With the steadfast support of our insurance partners, corporate clients, and medical professionals, as well as the commitment and trust of our professional team, our Group is proud to reach this significant 10th anniversary milestone. Looking ahead, we will remain dedicated to the principles of preventive medicine and will proactively expand our service portfolio. This year, we plan to introduce Traditional Chinese Medicine and physiotherapy services, further diversifying our offerings and providing the community with more comprehensive care as we drive the Group's ongoing development."

Mr. Lau Kevin Chung-hang, MH, Founder of Trinity Medical Group, delivered the welcome address. Mrs. Christine Ma-Lau, Director of Trinity Medical Group, delivered the thank-you speech.

Trinity Medical welcomes Professor Wu Ting-yuk, Anthony, GBS, JP, Member of the 12^th and 13^th Standing Committee of the National Committee of the CPPCC, as Non-Executive Chairman, and Dr. the Honourable Lam Ching-choi, GBS, JP, Member of the Executive Council, as Independent Non-Executive Director.Mr. Lau Kevin Chung-hang, MH remarked in his speech, "Professor Wu brings more than networks; he brings international governance DNA; Dr. Lam connects our boardroom strategy to bedside community care." With the addition of these highly respected industry leaders, the Group is confident that their expertise and strategic insight will significantly strengthen the Group's vision, clinical capabilities and overall growth trajectory, injecting new momentum into the Group's future development.

Professor Wu Ting-yuk, Anthony, GBS, JP, Non-Executive Chairman of Trinity Medical Group (Left); Dr. the Honourable Lam Ching-choi, GBS, JP, Independent Non-Executive Director of Trinity Medical Group (Right).

Forging Cross-Industry Alliances to Pioneer New Frontiers in Chinese Medicine Consultations and Physiotherapy

At the anniversary celebration, Trinity Medical announced the strategic cooperation agreements with FWD, Prudential Hong Kong Limited, YF Life Insurance International Limited, and United Imaging. Through these partnerships, the Group aims to deliver international-standard diagnostic services and diverse insurance solutions, creating a seamless, one-stop integrated healthcare experience for clients.

Trinity Medical Group enters into a strategic partnership agreement with FWD and is honoured to have Mr. Ken Lau, Managing Director of Greater China and Hong Kong Chief Executive Officer, FWD, to attained the event and join the commemorative photo.

Trinity Medical Group enters into a strategic partnership agreement with Prudential Hong Kong Limited and is honoured to have Ms. Candy Au Yeung, Chief Customer Operation and Health Officer, Prudential Hong Kong Limited to attend the event and join the commemorative photo.

Trinity Medical Group enters into a strategic partnership agreement with YF Life Insurance Limited and is honoured to have Ms. Jasmine Hui, Chief Proposition Officer and Senior Vice President, YF Life Insurance Limited, to attend the event and join the commemorative photo.

 

Trinity Medical Group enters into a strategic partnership agreement with United Imaging, and expresses gratitude for United Imaging’s significant support in advancing medical technology.

Looking ahead, Trinity Medical will further diversify its service portfolio, including the introduction of Traditional Chinese Medicine (TCM) consultations and physiotherapy services this year. These initiatives will continue to advance holistic recovery and preventive care initiatives. These efforts are designed to address the growing demand for premium healthcare and to reinforce the Group's leadership within the sector.

Since its establishment in 2016, Trinity Medical has been committed to providing high-quality diagnostic imaging and health screening services. The Group continues to expand its clinical and check-up offerings, underscoring its drive for diversified development and excellence. To date, the Group has formed partnerships with over 10 insurance companies and earned the trust of over 300 corporate clients.

The professional team now exeeds 200 members, collectively having served more than 1.8 million individual clients. Its online health platform has recorded over 5.5 million visits, underscoring the Group's industry leadership and strong market reputation.

In addition, Trinity Medical has also actively contributed to the community, including:

• Supporting government primary healthcare policies: Over the past decade, the Group has provided influenza, COVID-19, and HPV vaccinations to more than 10,000 schoolchildren, helping to build herd immunity.
• COVID-19 response: Throughout the pandemic, all Trinity Medical centres across the city offered COVID-19 vaccinations and PCR testing, providing accessible services throughout Hong Kong.
• Supporting the "eHealth" initiative: By participating in the Hospital Authority's referral network and the Electronic Health Record Sharing System, the Group has helped relieve the burden for tens of thousands of public hospital patients.
• Appointed as a "SafeCity Ambassador 2025": Trinity Medical has partnered with the Hong Kong Police Force to jointly promote crime prevention, cyber security, and mental health awareness.
• Championing youth development: Through participation in the "Strive and Rise Programme," the Group helps secondary school students learn about the medical profession and supports their personal growth.
• Recognised for corporate social responsibility: The Group has been awarded the "Caring Company" and "Good Employer" accolades for consecutive years, reflecting our dedication to social welfare, employee development, and environmental protection.

(Starting from the left) Mrs. Christine Ma-Lau, Director of Trinity Medical Group; Dr. the Honourable Lam Ching-choi, GBS, JP, Independent Non-Executive Director of the Group; Professor Wu Ting-yuk, Anthony, GBS, JP, Non-Executive Chairman of the Group; and Mr. Lau Kevin Chung-hang, MH, Founder of the Group, officiate at the toasting ceremony.

Trinity Medical Group’s 10th Anniversary Celebration is attended and supported by prominent leaders from the government and business sectors.

Click here to download more event photos.

Hashtag: #TrinityMedical

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

About Trinity Medical Group

Trinity Medical established its first medical and diagnostic centre in Central in 2016, upholding the core values of empathy, professionalism, and integrity. The Group now operates locations in key districts, including Central, Causeway Bay, and Tsim Sha Tsui. Combining advanced medical technology with a patient-centric philosophy, Trinity Medical provides comprehensive one-stop services ranging from MRI, CT Scan, 3D Mammography, Ultrasound, X-ray, and health check-ups to vaccination. The Group is committed to delivering professional and reliable medical imaging and health screening experiences to the community.

For more information, please visit our website: trinitymedical.com.hk
Follow us on Facebook and Instagram: @trinitymedicalhongkong

** This press release is distributed by Media OutReach Newswire through automated distribution system, for which the client assumes full responsibility. **

Prudent Risk Management Yields Solid Outcomes metrics, Core Pawn Business Demonstrates Resilient Growth with Proposed Final Dividend of HK$1.15 cents per share

Results Highlights:

• Profit for the year attributable to shareholders increased by approximately 47.8% YoY to approximately HK$82.6 million
• Net profit margin increased by approximately 16.2 p.p. YoY to approximately 50.2%
• Impairment losses recognized on loan receivables decreased by approximately 72.6% YoY to HK$12.7 million
• Revenue from pawn loan business increased by approximately 12.9% YoY to approximately HK$98.6 million
• Proposed final dividend of HK$1.15 cents per share

HONG KONG SAR - Media OutReach - 27 May 2026 - The board of directors of Oi Wah Pawnshop Credit Holdings Limited (HKEx stock code: 1319.HK, the "Group" or "Oi Wah") announced its annual results and its financial position. For the year ended 28 February 2026 ("FY2026"), the Group recorded revenue of approximately HK$164.4 million. Profit attributable to shareholders of the Company reached approximately HK$82.6 million, representing an increase of 47.8% compared to the year ended 28 February 2025 ("FY2025"). During the year, net interest margin expanded to approximately 17.2%.

As of 28 February 2026, the cash and cash equivalents (net of bank overdraft) amounted to approximately HK$376.9 million, representing a substantial increase of approximately 74.8% YoY. The net assets increased to approximately HK$1,155.7 million. Concurrently, the gearing ratio dropped to 4.1%. During the year, the earnings per share increased by approximately 48.3% YoY to HK 4.3 cents. The Board of Directors recommends a final dividend of HK 1.15 cents per share.

BUSINESS REVIEW

Mortgage loan business

In FY2026, the economy entered a phase of gradual recovery, leading to a steady resurgence in financing demand. The revenue from the mortgage loan business was approximately HK$65.8 million and accounted for approximately 40.0% of the Group's total revenue during the year. The gross mortgage loan receivables were approximately HK$612.5 million as at 28 February 2026. During the year, net interest margin of the mortgage loan business was approximately 10.1%.

In FY2026, the Group maintained a disciplined and risk-sensitive approach in its lending activities. While we observed an encouraging stabilization in the residential property market, the Group exercised intensified vigilance toward the commercial and industrial sectors due to persistent supply overhangs and valuation pressures. Our underwriting strategy remained focused on building a resilient loan portfolio by prioritizing high-quality collaterals and prudent loan-to-value ratios. During the year, the average loan-to-value ratio for first mortgage was approximately 56.27%, while overall average loan-to-value ratio for subordinate mortgage was approximately 40.82% of which, average loan-to-value ratio of subordinate mortgage that the Group participated in was approximately 3.73%.

Reflecting our robust credit risk management, the charge for impairment losses recognized on loan receivables decreased from approximately HK$46.3 million to approximately HK$12.7 million, representing a decrease of approximately 72.6% or HK$33.6 million.

Pawn Loan Business

The revenue from the pawn loan business increased by approximately 12.9% to approximately HK$98.6 million in FY2026. The business's profitability was further bolstered by a significant 73.0% increase in the gain on disposal of repossessed assets, which reached approximately HK$19.2 million as compared to approximately HK$11.1 million in FY2025. This performance was mainly attributed to the unprecedented strength of gold prices and a highly active secondary market for luxuries, particularly high-end timepieces. These factors have further solidified the pawn loan business as a resilient and strategic hedge against broader economic volatility.

During the year, the Group continued to channel resources to advertising and promotion to enhance the Group's brand exposure. Such effort has generated demand for one-to-one pawn loan appointment services for pawn loans exceeding HK$0.1 million.

PROSPECTS

Looking ahead, the Group maintains a stance of cautious optimism regarding the global economic recovery. While macroeconomic and geopolitical uncertainties may persist, we remain dedicated to a proactive yet prudent strategy to ensure sustainable long-term growth and maximize returns for our shareholders.

Within the mortgage loan market, our strategy will be characterized by a calibrated and divergent approach. We continue to hold an optimistic outlook on the residential property segment, where we intend to capitalize on the stabilizing interest rate environment by identifying high-quality mortgage opportunities. Conversely, we maintain cautious and vigilant towards the commercial and industrial sectors. Given the structural challenges of inventory overhang and the increasing prevalence of distressed assets, the Group will exercise intensified oversight in its credit underwriting and collateral appraisal to mitigate valuation risks.

Regarding our core operations, we anticipate our pawn loan business to remain resilient, supported by a firm gold price trajectory and sustained demand for liquidity management. To further enhance operational efficiency, the Group is actively optimizing its pawn shop network. We are strategically identifying more cost-effective locations within our established service areas, aiming to relocate our pawn outlets to premises with more competitive lease terms to reduce operating overheads while maintaining our leading market presence.

Simultaneously, our strategic partnership with PACM Group remains a key driver for geographic diversification. By proactively exploring institutional credit opportunities in developed markets while maintaining rigorous investment oversight, the Group is well-positioned to navigate evolving industry dynamics and deliver stable value to all stakeholders.

Mr. Edward Chan, Chairman and CEO of the Company, said, "Global geopolitical and macroeconomic uncertainties intertwine, placing pressure on the global economic recovery and posing ongoing challenges to the local property market. In the face of a complex external environment, Oi Wah has consistently adhered to a proactive yet prudent management strategy. Our core pawn loan business has fully demonstrated its role as a strategic tool to hedge against macroeconomic fluctuations, showcasing the Group's strong resilience amidst market challenges.

Looking forward, we will adopt a carefully calibrated differentiation strategy and continue to drive regional diversification. Under strict investment monitoring, we will actively explore business opportunities in developed markets to further expand our revenue streams and customer base, striving to deliver long-term, stable, and sustainable returns for our shareholders."

Hashtag: #OiWah

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

About 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.

Results Highlights:

• Profit for the year attributable to shareholders increased by approximately 47.8% YoY to approximately HK$82.6 million
• Net profit margin increased by approximately 16.2 p.p. YoY to approximately 50.2%
• Impairment losses recognized on loan receivables decreased by approximately 72.6% YoY to HK$12.7 million
• Revenue from pawn loan business increased by approximately 12.9% YoY to approximately HK$98.6 million
• Proposed final dividend of HK$1.15 cents per share

HONG KONG SAR - Media OutReach - 27 May 2026 - The board of directors of Oi Wah Pawnshop Credit Holdings Limited (HKEx stock code: 1319.HK, the "Group" or "Oi Wah") announced its annual results and its financial position. For the year ended 28 February 2026 ("FY2026"), the Group recorded revenue of approximately HK$164.4 million. Profit attributable to shareholders of the Company reached approximately HK$82.6 million, representing an increase of 47.8% compared to the year ended 28 February 2025 ("FY2025"). During the year, net interest margin expanded to approximately 17.2%.

As of 28 February 2026, the cash and cash equivalents (net of bank overdraft) amounted to approximately HK$376.9 million, representing a substantial increase of approximately 74.8% YoY. The net assets increased to approximately HK$1,155.7 million. Concurrently, the gearing ratio dropped to 4.1%. During the year, the earnings per share increased by approximately 48.3% YoY to HK 4.3 cents. The Board of Directors recommends a final dividend of HK 1.15 cents per share.

BUSINESS REVIEW

Mortgage loan business

In FY2026, the economy entered a phase of gradual recovery, leading to a steady resurgence in financing demand. The revenue from the mortgage loan business was approximately HK$65.8 million and accounted for approximately 40.0% of the Group's total revenue during the year. The gross mortgage loan receivables were approximately HK$612.5 million as at 28 February 2026. During the year, net interest margin of the mortgage loan business was approximately 10.1%.

In FY2026, the Group maintained a disciplined and risk-sensitive approach in its lending activities. While we observed an encouraging stabilization in the residential property market, the Group exercised intensified vigilance toward the commercial and industrial sectors due to persistent supply overhangs and valuation pressures. Our underwriting strategy remained focused on building a resilient loan portfolio by prioritizing high-quality collaterals and prudent loan-to-value ratios. During the year, the average loan-to-value ratio for first mortgage was approximately 56.27%, while overall average loan-to-value ratio for subordinate mortgage was approximately 40.82% of which, average loan-to-value ratio of subordinate mortgage that the Group participated in was approximately 3.73%.

Reflecting our robust credit risk management, the charge for impairment losses recognized on loan receivables decreased from approximately HK$46.3 million to approximately HK$12.7 million, representing a decrease of approximately 72.6% or HK$33.6 million.

Pawn Loan Business

The revenue from the pawn loan business increased by approximately 12.9% to approximately HK$98.6 million in FY2026. The business's profitability was further bolstered by a significant 73.0% increase in the gain on disposal of repossessed assets, which reached approximately HK$19.2 million as compared to approximately HK$11.1 million in FY2025. This performance was mainly attributed to the unprecedented strength of gold prices and a highly active secondary market for luxuries, particularly high-end timepieces. These factors have further solidified the pawn loan business as a resilient and strategic hedge against broader economic volatility.

During the year, the Group continued to channel resources to advertising and promotion to enhance the Group's brand exposure. Such effort has generated demand for one-to-one pawn loan appointment services for pawn loans exceeding HK$0.1 million.

PROSPECTS

Looking ahead, the Group maintains a stance of cautious optimism regarding the global economic recovery. While macroeconomic and geopolitical uncertainties may persist, we remain dedicated to a proactive yet prudent strategy to ensure sustainable long-term growth and maximize returns for our shareholders.

Within the mortgage loan market, our strategy will be characterized by a calibrated and divergent approach. We continue to hold an optimistic outlook on the residential property segment, where we intend to capitalize on the stabilizing interest rate environment by identifying high-quality mortgage opportunities. Conversely, we maintain cautious and vigilant towards the commercial and industrial sectors. Given the structural challenges of inventory overhang and the increasing prevalence of distressed assets, the Group will exercise intensified oversight in its credit underwriting and collateral appraisal to mitigate valuation risks.

Regarding our core operations, we anticipate our pawn loan business to remain resilient, supported by a firm gold price trajectory and sustained demand for liquidity management. To further enhance operational efficiency, the Group is actively optimizing its pawn shop network. We are strategically identifying more cost-effective locations within our established service areas, aiming to relocate our pawn outlets to premises with more competitive lease terms to reduce operating overheads while maintaining our leading market presence.

Simultaneously, our strategic partnership with PACM Group remains a key driver for geographic diversification. By proactively exploring institutional credit opportunities in developed markets while maintaining rigorous investment oversight, the Group is well-positioned to navigate evolving industry dynamics and deliver stable value to all stakeholders.

Mr. Edward Chan, Chairman and CEO of the Company, said, "Global geopolitical and macroeconomic uncertainties intertwine, placing pressure on the global economic recovery and posing ongoing challenges to the local property market. In the face of a complex external environment, Oi Wah has consistently adhered to a proactive yet prudent management strategy. Our core pawn loan business has fully demonstrated its role as a strategic tool to hedge against macroeconomic fluctuations, showcasing the Group's strong resilience amidst market challenges.

Looking forward, we will adopt a carefully calibrated differentiation strategy and continue to drive regional diversification. Under strict investment monitoring, we will actively explore business opportunities in developed markets to further expand our revenue streams and customer base, striving to deliver long-term, stable, and sustainable returns for our shareholders."

Hashtag: #OiWah

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

About 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.

** This press release is distributed by Media OutReach Newswire through automated distribution system, for which the client assumes full responsibility. **