Media OutReach
Oi Wah Achieves Net Profit of 55.9 million with Improved Net Interest Margin in FY2025
Demonstrating Financial Stability, Proposed Final Dividend of HK$0.81 cents per share, Exploring Overseas Market to Diversify Income Source
HONG KONG SAR – Media OutReach Newswire – 27 May 2025 – 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 2025 (“FY2025”), the Group recorded revenue of approximately HK$164.3 million and profit attributable to shareholders of the Company of approximately HK$55.9 million. During the year, net interest margin slightly improved to 16.5%.
Leveraging the strategic partnership fund established in collaboration with PACM Group (Holdings) Limited (“PACM Group”), the Group is committed to proactively expanding its presence in overseas markets, diversifying its business revenue streams, while effectively mitigating risks from geographical market volatility.
For the year ended 28 February 2025, the cash and cash equivalents (net of bank overdraft) amounted to approximately HK$215.7 million, representing a net increase of approximately HK$45.1 million compared to 29 February 2024. The net assets increased to approximately HK$1,108.0 million. Meanwhile, the gearing ratio decreased from 7.7% to 4.3%, reflecting the Group maintained a healthy financial position during FY2025.
During the year, the earnings per share was HK 2.9 cents. The Board of Directors recommends a final dividend of HK 0.81 cents.
Business Review
Mortgage loan business
In FY2025, the Group recorded interest income of the mortgage loan business of approximately HK$77.0 million. The amount of gross mortgage loan receivables was approximately HK$670.7 million as at 28 February 2025. During the year, net interest margin of the mortgage loan business is about 10.3%.
During FY2025, the Group has maintained a prudent approach when granting loans, underpinned by a focus on building a resilient loan portfolio amid the uncertain environment brought about by the pandemic. We are of the view that maintaining a cautious underwriting stance and healthy loan portfolio will position the Group well for the economic recovery and eventual normalization ahead. During FY2025, the average loan-to-value ratio for first mortgage was approximately 58.2%, while average overall loan-to-value ratio for subordinate mortgage was approximately 52.8%, of which, average loan-to-value ratio of subordinate mortgage that the Group participate in was approximately 15.7%.
Pawn Loan Business
During FY2025, the revenue from the pawn loan business increased by 9.7% to approximately HK$87.3 million, which accounted for approximately 53.1% of the Group’s total revenue. The interest income of the pawn loan receivables increased by approximately 4.5% to approximately HK$76.2 million, which was mainly attributed to the increase in gold price and an active second-hand luxury market, especially for luxury watches. During FY2025, 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 global economy is anticipated to continue its moderate recovery, while macroeconomic policy uncertainties are expected to persist. The Directors believe that the Hong Kong property market will experience cautious trajectory. To inject impetus into the profit growth, the Group strategically partnered with PACM Group to establish a fund which marked our entry into the real estate private credit institutional investment management sector. We will proactively explore expansion opportunities in developed markets and maintain prudent investment oversight to mitigate market risks and maximize returns for investors and shareholders.
In order to further enhance customer experience and maintain robust operational profitability, the Group will continue to review strategic shop locations and explore potential acquisition opportunities within the established pawn businesses. These initiatives aim to strengthen our market-leading position and ensure sustainable long-term growth amid evolving industry dynamics.
Mr. Edward Chan, Chairman and CEO of the Company, said, “Along with the ongoing tensions in US-China trade relations, the global economy is confronted with heightened uncertainties, exerting additional pressure on economic rebound. Consequently, the Hong Kong property market outlook remains challenging.
The Group remains steadfast in its commitment to seeking strategic breakthroughs amidst these adverse circumstances. In addition to focusing on the local market, we are proactively exploring overseas market development opportunities through our strategic partnership fund with PACM Group. We are committed to diversify our revenue streams and expand our customer base, with a dedicated effort to generate enhanced long-term value and returns for our shareholders.”
Hashtag: #OiWah #靄華 #AnnualResults #全年業績
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.
The Secret to a Decade of Loyalty
A decade of consistent customer trust speaks for itself. XIXILI’s seamless panties have earned a loyal following of women who return to the same style, year after year.
Whether it’s a breathable cotton panty for everyday basics or a sleek seamless style for fitted outfits, comfort remains the priority. The appeal comes down to the essentials: no visible panty lines, no adjusting throughout the day, and lightweight comfort that holds up from morning to night. For women juggling busy schedules, that kind of reliability makes all the difference.
“Our customers tell us these are the panties they don’t have to think about,” says Tara Tan, spokesperson for XIXILI. “They just work. That’s why women keep coming back.”
Designed for Every Body, Built to Last
The Full Coverage Mid-Rise Knitted Boyleg Panty delivers moderate coverage with a relaxed fit, suited for those who want fuss-free comfort. The High-Waist Knitted Boyleg Panty sits higher on the waist with gentle tummy smoothing, a go-to for wearing beneath tailored pieces and fitted silhouettes.
The Lightweight Seamless Microfiber Panty remains the star of the range. Its soft microfiber construction sits flat against the skin, creating an invisible finish under any outfit. A bestseller for ten consecutive years, this fan-favourite now comes in new colours, giving loyal fans a reason to refresh their collection.
The Foundation of Every Outfit
What sits beneath an outfit often sets the tone for the entire day. It’s the layer no one sees but everyone feels, allowing women to move through their routines with confidence, whether at work, running errands, or out with friends.
XIXILI’s decade-long bestseller continues to deliver on that promise. With new colours now available, updating the essentials is as effortless as the panties themselves.
To discover the full panties collection, visit XIXILI’s website to shop online with delivery to Singapore, or find your nearest XIXILI boutique across Malaysia.
Hashtag: #XIXILI #SGLingerie
https://www.xixili-intimates.com/sg/
https://www.facebook.com/XIXILI.OfficialFanPage/
https://www.instagram.com/xixili_intima/
https://www.tiktok.com/@xixili_intima?
https://www.youtube.com/user/xixilipage
The issuer is solely responsible for the content of this announcement.
About XIXILI
A proudly Malaysian brand, XIXILI offers fashion lingerie and shapewear that combines elegance with all-day comfort. With one of the most inclusive sizing ranges between A to I cups and 65 to 110cm band sizes, XIXILI designs for every body type. The brand is known for its expert fitters, premium materials, and dedication to helping women feel confident and supported.
XIXILI is also the first Malaysian lingerie brand to launch a 3D Avatar Try-On Tool, enabling women to virtually try on lingerie tailored to their unique body type and measurements. From everyday basics to occasion-ready pieces, XIXILI celebrates the beauty of real bodies, every day.
Media OutReach
Huawei, Meralco, and SANXING Ningbo Launch Intelligent Distribution Solution and Lighthouse Initiative
Communication, digitalization, and AI: Emerging cornerstones of future power systems that will accelerate the intelligent evolution of distribution networks
David Sun, CEO of Huawei’s Electric Power Digitalization BU, highlighted four drivers for energy transition: green energy and diversity, resilient grids, transparent distribution, and load electrification. He called for policy changes toward dispatch-market coordination. He also emphasized that communication, digitalization, and AI are becoming core production systems, requiring stronger capabilities in digital transformation, cybersecurity, and sustainable development.
At the forum, Mr. Sun unveiled the White Paper on Communication Target Networks for the Future Power System, introducing a pioneering architecture that features an intelligent and robust main network, integrated medium-voltage and transparent low-voltage networks, high-speed secure connectivity, and space-ground integration. The paper also outlines key tech trends, from optical and wireless to carrier and satellite communications, and underscores their transformative value.
Huawei highlighted its focus on intelligence and digitalization, working with industry players to drive power transformation. Global industry leaders also shared their insights: Al’Louise van Deventer (Technology and Engineering General Manager, Eskom) on future-ready digital practices; Momar Awa Sall (Transmission Grid Director, Senelec) on private wireless networks accelerating power modernization; Deniz COSKUN (Deputy General Manager, TEİAŞ) on restructuring communication networks for grid resilience; and Andy Liu (Overseas Solutions and Marketing Director, SANXING Ningbo) on the application of Huawei IDS.
Global industry leaders and partners join to explore the future of power systems
Power distribution networks are evolving from mechanized to automated and intelligent systems, driving technological and business model innovation. Despite creating new challenges for O&M, they have unlocked further opportunities for improving grid reliability and resource allocation.
At the forum, Huawei, Meralco, and SANXING Ningbo, unveiled the IDS that delivers four core capabilities—reliable communication, edge computing, cloud-edge collaboration, and low-voltage transparency—based on a cloud-pipe-edge-pipe-device architecture. It enables an intelligent low-voltage (400 V) distribution network with controllable line loss, visualized distribution rooms, and manageable renewables, transforming fragmented digital silos into open, integrated digital systems. The three companies also announced a lighthouse showcase initiative, sharing replicable and scalable digital transformation best practices.
Advancing digital and intelligent integration for a greener, more reliable grid
Communication, digitalization, and AI are at the heart of future power systems. Huawei will deepen R&D in digital, intelligent technologies, integrating advanced intelligence into power production. Together with global partners, Huawei is committed to developing with the power industry toward greater reliability, stronger security, and a low-carbon future.
Hashtag: #Huawei
The issuer is solely responsible for the content of this announcement.
Media OutReach
Thailand Unveils Public–Private Alliance to Lead Asia’s Wellness Economy Revolution BDMS Wellness Clinic Rises as National Orchestrator of a Science-Powered, Luxury-Integrated Wellness Ecosystem
A Multi-Sector Coalition at Unprecedented Scale
Led and orchestrated by BDMS Wellness Clinic, this alliance represents one of the most holistic cross-industry coalitions in Thailand’s health and tourism landscape. As the central integrator, BDMS Wellness Clinic unites public agencies, aviation leaders, hospitality icons, financial institutions, and global biotechnology innovators into a single, strategically aligned Wellness Ecosystem. Key national partners include the Thailand Convention and Exhibition Bureau (TCEB), Thailand Privilege Card Co., Ltd., and the Thai Spa Association, with regional connectivity strengthened by Bangkok Airways. The luxury and lifestyle dimension features Sri panwa Phuket, CELES SAMUI, Mövenpick BDMS Wellness Resort Bangkok, Dusit Thani Bangkok, King Power Corporation, Siam Piwat Co., Ltd., and Lancôme by L’Oréal Thailand.
Healthcare infrastructure and precision diagnostics are reinforced by National Healthcare Systems (N Health), enabling advanced laboratory networks, cross-border clinical data integration, and continuity of care. This capability is further elevated through collaboration with global medical and biotechnology leaders — Straumann Group in advanced dental innovation, Illumina in genomic sequencing, Abbott in precision diagnostics, and Gene Solutions in next-generation molecular testing.
Through this convergence of genomics, biomarker analytics, regenerative technology, and preventive medicine, BDMS Wellness Clinic delivers data-driven health optimization—from early disease detection and biological age assessment to personalized longevity programs. Together, under BDMS Wellness Clinic’s leadership, these partners form a fully integrated, science-powered ecosystem that transforms preventive care into measurable outcomes—firmly positioning Thailand at the forefront of Asia’s Wellness Economy.
From Healthcare Provider to National Orchestrator
BDMS Wellness Clinic has evolved beyond the traditional role of a healthcare provider to become the strategic integrator of Thailand’s Wellness Ecosystem—serving as the “National Orchestrator” uniting public institutions, private enterprises, academia, and global partners under one coordinated vision. Its mission extends far beyond treatment: to optimize healthspan, precise longevity science, and build a sustainable ecosystem where wellness becomes both a national economic engine and a form of diplomatic soft power. By synchronizing infrastructure, policy, aviation, hospitality, finance, and biotechnology, BDMS Wellness Clinic is repositioning Thailand from a destination known primarily for leisure and elective care into a global epicenter of evidence-based preventive medicine and measurable health optimization.
BDMS Wellness Clinic with Wellness Literacy: The Foundation of Sustainable Global Leadership
Sustainable global leadership demands more than world-class facilities—it requires a new generation of visionaries, scientists, and industry leaders equipped to redefine the future of health. BDMS Wellness Clinic has therefore launched a transformative Wellness Literacy strategy designed to cultivate world-class human capital, elevate professional standards, and shape a knowledge-driven ecosystem that positions Thailand at the forefront of preventive medicine and longevity science in Asia and beyond.
Through strategic alliances with leading institutions—including Thammasat University and King Mongkut’s Institute of Technology Ladkrabang (KMITL) in Thailand, as well as the University of Sharjah (UAE) and Singapore Management University (SMU)—BDMS Wellness Clinic is co-developing advanced curricula in preventive medicine, longevity science, and wellness management. These collaborations are establishing a new Asian benchmark for preventive healthcare education while producing a future-ready workforce for the global wellness economy. Beyond academia, BDMS Wellness Clinic is empowering entrepreneurs and industry operators nationwide, equipping hospitality, spa, and lifestyle businesses with measurable wellness standards—elevating Thailand’s entire value chain to international levels of excellence.
From Thailand to the World: BDMS Wellness Clinic’s Global Wellness Network
Extending its ecosystem beyond national borders, BDMS Wellness Clinic has forged strategic alliances with Neem Hospital—a leading private healthcare institution in the Sultanate of Oman known for its integrated clinical services and patient-centered care—and the MODAWI Platform, a digital health coordination platform that streamlines medical referrals, clinical data exchange, and cross-border care navigation.
Together, these partnerships establish a seamless referral and clinical integration network linking the GCC region with BDMS Wellness Clinic services. By combining hospital-based clinical excellence with digital health infrastructure, the model ensures continuity of care across borders—enabling patients to transition smoothly from initial consultation in the Middle East to advanced diagnostics, genomics, and longevity programs.
The Proof of Concept: “The Journey Within”
The flagship initiative, “The Journey Within,” translates vision into execution—serving as the living blueprint of the Wellness Ecosystem envisioned by BDMS Wellness Clinic. Anchored in three seamlessly integrated pillars—Travel, Stay, and Scientific Wellness—the concept redefines how a nation can deliver holistic, outcome-driven health experiences.
- Travel: Luxury aviation partnerships, streamlined entry facilitation, and curated collaborations with lifestyle partners—ensuring effortless arrival and a seamless transition into an elevated wellness journey.
- Stay: Curated luxury hospitality designed to immerse guests in restorative comfort and elevated living.
- Scientific Wellness: Technological diagnostics, genomics, and precision-driven longevity programs delivering measurable health transformation.
For more information about The Journey Within, click https://bdmswellness.co/40LNk4v
Hashtag: #BDMSWellnessClinic #สุขภาพที่ดีเริ่มที่การป้องกัน #LiveLongerHealthierHappier #PreventiveMedicine #LifestyleMedicine #ScientificWellness #WellnessHubThailand
https://www.bdmswellness.com/en
https://www.linkedin.com/company/bdmswellnessclinic/
https://www.facebook.com/bdmswellnessclinicinternational
https://www.instagram.com/bdmswellnessinternational/?hl=en
The issuer is solely responsible for the content of this announcement.
BDMS Wellness Clinic
BDMS Wellness Clinic, a pivotal entity within the Bangkok Dusit Medical Services (BDMS) network—Thailand’s leading operator of private hospitals—embodies a forward-thinking approach to healthcare, prioritizing prevention over cure. Specializing in early detection and prevention of diseases, our clinic offers a holistic suite of services, including advanced dental care and fertility treatments. Leveraging cutting-edge science and technology, BDMS Wellness Clinic not only anticipates future health challenges but also enhances the quality of life, marking its stature as Asia’s premier healthcare facility dedicated to elevating both mental and physical well-being.
For more details:
Facebook: Facebook.com/BDMSWellnessClinic
Instagram: @BDMSWellness
Media Inquiries: Media Inquiries: Please contact Marketing and Communication Department, BDMS Wellness Clinic Co. Ltd.
Chanokphat Pawangkanan 098-369-5963 Email: ch***********@**********ss.com
Sasiwimol Techawanto 092-807-5893 Email: 
Sa**********@**********ss.com
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