Aspial Lifestyle (5UF) investor relations material

Business model and footprint

• Three complementary lines: pawnbroking, jewellery and retail, and property-backed secured lending through BigFundr.

• 118 physical stores at 30 Jun 2026: 78 in Singapore, 24 in Malaysia and 16 international, including Niessing locations.

• Singapore operations span Maxi-Cash, Lee Hwa, Goldheart and Niessing; Malaysia locations operate under Dr.Pajak and Dr.Emas.

• Key capabilities include collateral valuation, customer access through digital channels, jewellery design and retail, and risk controls.

Pawnbroking and retail

• Maxi-Cash introduced remote ticket renewal in 2013, online interest payments in 2017, app-based payments and renewals in 2018, and PayNow loan payouts in 2022.

• Maxi-Cash operates a Singapore store network near transport and amenity hubs; pawnbroking is regulated under Singapore’s Pawnbrokers Act.

• Dr.Pajak operates 24 stores across eight Malaysian states and pioneered the drive-through pawnshop format.

• Maxi-Cash Retail & Trading offers authenticated new and pre-owned jewellery, gold, diamonds, branded bags, watches and other valuables, with pawn, retail and buy-back channels.

Jewellery brands and secured lending

• Lee Hwa was founded in 1970 and has five Singapore boutiques; Goldheart was founded in 1977 and has 24 Singapore boutiques.

• Niessing, founded in 1873, has 16 boutiques in Europe and Asia Pacific; its positioning emphasizes German manufacturing, design and international distribution.

• BigFundr is an MAS-licensed digital platform offering short-duration, property-backed private-credit opportunities, with retail access from S$1,000.

• Loan funds are disbursed through trustee-controlled structures, with milestone-linked drawdowns certified by an independent quantity surveyor and ongoing monitoring.