Global International Credit Group Limited (GIC Group) disclosed that its wholly-owned subsidiary Global International Credit Limited (GICL) signed two mortgage loan agreements on 21 May 2026, extending a combined HK$63.51 million to two related corporate borrowers.

Key terms of the facilities • Loan A: HK$29.50 million, 12-month tenor at 12% p.a., secured by a residential property in Hung Hom valued at HK$43.00 million, implying a 68.6% loan-to-value (LTV). Proceeds will fully repay an earlier HK$29.50 million loan issued in March 2024. • Loan B: HK$34.01 million, 12-month tenor at 12% p.a., secured by an industrial property in Fanling valued at HK$93.00 million, reflecting a 36.6% LTV.

Aggregate risk profile Based on independent valuations, the blended LTV for both new loans stands at 46.7%. GICL conducted credit assessments, external credit checks and litigation searches on the borrowers and guarantors, with no material irregularities identified.

Funding arrangement Loan A involves no incremental cash outflow as it refinances the prior facility. Loan B will be funded through the Group’s general working capital.

Regulatory classification Because the two borrowers are associated, the transactions are aggregated under Listing Rule 14.22. The resulting percentage ratios exceed 5% but remain below 25%, classifying the deal as a discloseable transaction under Chapter 14 of the Listing Rules.

Counterparties • Customer A (Honour Time Limited) and Customer B (Century Unity Limited) are Hong Kong-incorporated property holding companies. • Guarantor A and Guarantor B, who collectively control Customer A and fully own Customer B, have provided personal guarantees for the respective loans.

The Board stated that the facilities align with the Group’s ordinary money-lending operations and were negotiated on normal commercial terms.