Aspial Lifestyle (5UF) Corporate presentation summary

Business overview

• Investment holding business spans retail, pawnbroking and secured lending, with brands including Lee Hwa, Goldheart, Maxi-Cash, Niessing, Dr.Pajak and BIGFUNDR.

• Retail offers new and pre-owned jewellery and branded merchandise; pawnbroking provides collateralised micro-loans, while secured lending serves overseas borrowers and Singapore investors.

Retail

• Lee Hwa, founded in 1970, has 8 Singapore boutiques; milestones include introducing white gold in Singapore in 1996 and becoming the exclusive Singapore distributor for De Beers Forevermark in 2010.

• Goldheart has 23 Singapore boutiques and online sales via Lazada, Shopee and i-Changi; Aspial acquired the brand in 2005.

• Maxi-Cash, founded in 2008, has 47 retail locations and sells jewellery and branded merchandise through stores and e-commerce channels.

• Niessing’s product, brand and distribution strategies emphasize Bauhaus design, German manufacture, sustainability and a five-pillar international distribution model.

Pawnbroking

• Pawnbroking loans are collateralised, with Singapore interest capped at 1.5% per month; accepted collateral includes gold and diamond jewellery, branded bags and timepieces.

• Maxi-Cash was the first publicly listed pawnbroker on SGX Catalist in 2012 and operates a Singapore network of strategically located stores.

• Digital services include the Maxi-Cash App, launched in 2018, and PayNow payouts for pawning and trade-in services since 2022.

• Dr.Pajak operates 16 stores in Malaysia, including a drive-through concept.