Gromutual Berhad

Revenue, profit and operating cash营业额、盈利与营运现金

Assets, borrowings and equity资产、借款与权益

20232023 年

In 2023, net cash from operating activities was RM27,288,307. Investing activities used RM6,105,729 for payments for land held for property development and RM820,060 for additions to property, plant and equipment. Financing activities used RM9,228,901, including bank overdraft repayments of RM3,728,759, term loan repayments of RM2,643,674, and dividends paid of RM3,756,080, while revolving credits provided RM1,000,000. Bank borrowings stood at RM70,933,106 and cash and bank balances were RM61,147,452.2023 年，营运活动所得现金净额为 RM27,288,307。投资活动支出包括持作房地产开发土地款项 RM6,105,729 及添置物业、厂房及设备 RM820,060。融资活动使用 RM9,228,901，包括偿还银行透支 RM3,728,759、偿还定期贷款 RM2,643,674 以及派发股息 RM3,756,080，而循环贷款提供 RM1,000,000。银行借款为 RM70,933,106，现金与银行结余为 RM61,147,452。

Source: annual report 2023, pages 16, 77, 78, 110.出处：2023 年年报第 16、77、78、110 页。

20242024 年

In 2024, operating activities used net cash of RM12,902,923. Investing activities used RM11,061,166, with RM15,559,579 paid for acquisition of land and RM7,128,735 paid for land held for property development, while proceeds from disposal of investment property provided RM4,800,000. Financing activities provided RM13,568,908, including proceeds from term loans of RM14,158,797 and bank overdraft drawings of RM4,928,743, against term loan repayments of RM3,241,390 and dividends paid of RM1,878,040. Bank borrowings increased to RM94,661,053 and cash and bank balances were RM58,973,892.2024 年，营运活动净使用现金 RM12,902,923。投资活动使用 RM11,061,166，其中收地支出 RM15,559,579，支付持作房地产开发土地款项 RM7,128,735，而脱售投资产业所得款项提供 RM4,800,000。融资活动提供 RM13,568,908，包括定期贷款所得款项 RM14,158,797 及提取银行透支 RM4,928,743，偿还定期贷款 RM3,241,390 及派发股息 RM1,878,040。银行借款增至 RM94,661,053，现金与银行结余为 RM58,973,892。

Source: annual report 2024, pages 16, 81, 82, 117.出处：2024 年年报第 16、81、82、117 页。

20252025 年

In 2025, net cash from operating activities was RM56,997,423. Investing activities used RM24,430,497, with acquisition of land taking RM17,898,102, additions to investment property taking RM17,663,503, and payments for land held for property development taking RM2,843,333, while disposal of asset held for sale provided proceeds of RM11,000,000. Financing activities used RM25,301,200, including repayments of term loans of RM27,139,378, repayments of bank overdrafts of RM12,560,037, repayments of revolving credits of RM6,000,000, and dividends paid of RM3,756,080, against proceeds from revolving credits of RM20,000,000 and term loans of RM4,401,261. Bank borrowings closed at RM72,535,318.2025 年，营运活动所得现金净额为 RM56,997,423。投资活动使用 RM24,430,497，其中收地支出 RM17,898,102，添置投资产业支出 RM17,663,503，支付持作房地产开发土地款项 RM2,843,333，而脱售持有待售资产提供所得款项 RM11,000,000。融资活动使用 RM25,301,200，包括偿还定期贷款 RM27,139,378、偿还银行透支 RM12,560,037、偿还循环贷款 RM6,000,000 以及派发股息 RM3,756,080，对比借入循环贷款 RM20,000,000 与定期贷款所得款项 RM4,401,261。银行借款期末为 RM72,535,318。

Source: annual report 2025, pages 85, 86, 119.出处：2025 年年报第 85、86、119 页。

Across the three years三年合看

The company distributed interim single-tier dividends of 1 sen per share (RM3.8 million) in FY2023, 0.50 sen per share (RM1.9 million) in FY2024, and 1.00 sen per share (RM3.8 million) in FY2025, proposing no final dividend in any of the three years. The board does not maintain a fixed dividend payout ratio, declaring dividends based on the liquidity position and investment needs. Investment properties were carried at RM115.7 million in 2024 and RM145.7 million in 2025, and were a key audit matter in the 2025 report.公司在 2023 财年派发每股 1 仙（RM3.8 million）的中期单轨股息，在 2024 财年派发每股 0.50 仙（RM1.9 million），在 2025 财年派发每股 1.00 仙（RM3.8 million），三年均未建议派发终期股息。董事会不维持固定的股息派发比率，而是根据流动资金状况和投资需求宣布股息。投资产业在 2024 年账面值为 RM115.7 million，在 2025 年为 RM145.7 million，并在 2025 年报中被列为关键审计事项。

Source: annual report 2023, page 14; annual report 2024, pages 14, 18, 72, 73; annual report 2025, pages 14, 18, 78.出处：2023 年年报第 14 页；2024 年年报第 14、18、72、73 页；2025 年年报第 14、18、78 页。

Still to be spent尚未支出的承诺

At the end of 2025, the group had access to financing facilities consists of bank overdrafts and revolving credits, of which RM38,180,130 was unused. Other payables included outstanding purchase consideration of RM4,517,800 for acquisition of land during the previous financial year. Unsatisfied contracts for property development activities were RM Nil at end 2025, compared to RM3,473,007 in 2024.截至 2025 年底，集团拥有包括银行透支和循环贷款在内的融资授信，其中 RM38,180,130 尚未动用。其他应付款项中包括上个财政年度收地所欠的购买对价余额 RM4,517,800。截至 2025 年底，房地产开发活动未履行的履约义务为 RM Nil，低于 2024 年底的 RM3,473,007。

Source: annual report 2025, pages 94, 114, 123.出处：2025 年年报第 94、114、123 页。

Four years of figures四年数字

Group figures, in RM, as printed in the statements.集团数字，单位令吉，照财务报表所印。

On a computer, hover over a figure for the report and page it is printed on.在电脑上把鼠标移到数字上，可看到它印在哪份年报的哪一页。

Said and done说过的与做到的

What the reports leave open年报留下待看的事

• Completion of the transformation of the last block of student apartment into workers' accommodation in early 2026 following discontinuation of student accommodation lease in mid of 2025.在终止学生租赁后，最后一座学生公寓于 2026 年初改建为员工宿舍的完工进展。

  Source: annual report 2025, page 17.出处：2025 年年报第 17 页。

• Industry challenges noted by the board, including rising compliance costs, construction cost inflation, minimum wage adjustments, and energy subsidy rationalization.管理层指出的行业阻力，包括日益增加的 ESG 合规成本、建筑成本通胀、最低工资调整以及能源补贴合理化。

  Source: annual report 2025, page 18.出处：2025 年年报第 18 页。

• Board gender diversity target of 30% women directors, recorded at 25.00% in FY2025.30% 女性董事的董事会多元化目标，于 2025 财年录得 25.00%。

  Source: annual report 2025, pages 10, 47, 54.出处：2025 年年报第 10、47、54 页。

• Bank borrowings due for settlement within 12 months of RM34,769,305, out of total borrowings of RM72,535,318, against unused financing facilities of RM38,180,130.总借款 RM72,535,318 中将于 12 个月内到期的 RM34,769,305 短期银行借款，对比尚未动用的 RM38,180,130 银行授信。

  Source: annual report 2025, pages 116, 119, 123.出处：2025 年年报第 116、119、123 页。