Aspial Lifestyle 5UF

SGD 0.295 -1.69% -0.01 Updated 13 Nov 2026, 17:16 SGT

Company profile

The business, the people and the ownership behind Aspial Lifestyle.

Business overview

About the company

Aspial Lifestyle operates pawnbroking, secured lending and retail businesses. These activities form the group’s principal reportable operating segments.

Annual Report 2025 ↗ Reviewed 2026-10-23 · Source dated 2026-04-13. PDF p. 111

Listed security

Company & listing

Full Company Name
ASPIAL LIFESTYLE LIMITED
Trading Currency
SGD
Website
www.aspiallifestyle.com
Listing
Listed on 22 June 2012 on Catalist 04 May 2026 on MAINBOARD
ISIN Code
SG2E90982678

Board & management

Leadership

The Non-Executive Chairman Koh Wee Seng is CEO of the parent Aspial Corporation; Aspial Lifestyle CEO is Ng Kean Seen. Registered office and business contact address are different and are separately identified.

Koh Wee Seng

Non-Executive Chairman

Ng Kean Seen

Chief Executive Officer and Executive Director

Koh Lee Hwee

Non-Executive Non-Independent Director; appointed 13 June 2025

Yeo Yun Seng Bernard

Lead Independent Director

Tan Soo Kiang

Independent Director

Ng Bie Tjin @ Djuniarti Intan

Independent Director

Oh Kwok Fon

Assistant Business Director of Maxi-Cash business

Jonathan Foo Chuan Hui

Group Finance Director; joined March 2025

Tan Eng Yeow

Merchandising Director of Jewellery and Maxi-Cash businesses in Singapore

Toh Yen Hoon

Retail and Marketing Director of Maxi-Cash business

Lee Yew Teck

Operations Director of Maxi-Cash business in Singapore

Patsy Loo

Business Director of Jewellery business in Singapore

Company secretary — Lim Swee Ann

CPA, ACIS

Company secretary — Janet Tan

LLB (Hons)

Registered office

80 Raffles Place #32-01 UOB Plaza 1, Singapore 048624

Registered office telephone

+65 6225 2626

Registered office fax

+65 6557 0765

Share registrar

B.A.C.S. Private Limited; 77 Robinson Road #06-03 Robinson 77, Singapore 068896

Sponsor

SAC Capital Private Limited; 1 Robinson Road #21-01 AIA Tower, Singapore 048542

Sponsor contact

Lee Khai Yinn; +65 6232 3210

Auditor

Ernst & Young LLP; One Raffles Quay North Tower Level 18, Singapore 048583

Auditor partner-in-charge

Ho Shyan Yan; since financial year ended 31 December 2025

Principal bankers

CIMB Bank Berhad; DBS Bank Ltd.; Oversea-Chinese Banking Corporation Limited; United Overseas Bank Limited

Business contact address

Aspial One, 55 Ubi Ave 3, Singapore 408864

Business contact telephone

+65 6281 4218

Corporate website

www.aspiallifestyle.com

Principal place of business

55 Ubi Avenue 3, #04-08, Singapore 408864

Immediate holding company

Aspial Corporation Limited; incorporated in Singapore

Ultimate holding company

MLHS Holdings Pte. Ltd.; incorporated in Singapore

Roles listed in Aspial Lifestyle Limited Annual Report 2025; current appointments are not independently verified.

Holdings

Ownership

Shareholder snapshot 17 March 2026: issued shares excluding treasury shares 1,851,284,692; treasury shares 5,020,522 (0.27%); no subsidiary holdings; public float approximately 15.48%. Registered holders and beneficial substantial interests are different views and must not be added together.

Aspial Corporation direct interest totals 1,310,574,525 shares: 1,216,574,525 registered in its name plus 94,000,000 in nominee accounts. MLHS Holdings is a controlling shareholder of Aspial Corporation and holds approximately 54.27% of that parent.

The original Note 3 states 1,310,743,525 parent shares plus 277,988 spouse shares for Koh Wee Seng, which sums to 1,311,021,513 and differs from the table’s deemed total 1,310,852,513 by 169,000 shares. The table’s original figure and percentage are retained; the parent total in Note 1 instead reconciles to the table total.

Printed registered-holder percentages are retained. Recalculation rounding differences: RAFFLES NOMINEES (PTE) LIMITED printed 0.80%, recomputed 0.81%

Aspial Corporation Limited

Direct interest: 70.79% · 1,310,574,525 shares; Deemed interest: – · – shares

Koh Wee Seng

Direct interest: 9.94% · 184,050,089 shares; Deemed interest: 70.81% · 1,310,852,513 shares

Koh Lee Hwee

Direct interest: 1.56% · 28,888,888 shares; Deemed interest: 71.20% · 1,318,181,395 shares

Ko Lee Meng

Direct interest: 0.16% · 2,913,326 shares; Deemed interest: 71.67% · 1,326,802,057 shares

MLHS Holdings Pte Ltd

Direct interest: – · – shares; Deemed interest: 70.79% · 1,310,574,525 shares

Total interests include direct and deemed holdings and may overlap across holders. These percentages should not be added together.

Registered & depository holders 20 holders

Registered holdings, including nominees and depositories; these do not establish ultimate beneficial ownership. As reported at 2026-03-17 · PDF p. 127

Registered holderInterestShares / unitsSource
ASPIAL CORPORATION LTD65.72%1,216,574,525PDF p. 1272026-03-17
RHB BANK NOMINEES PTE LTD5.08%94,000,000PDF p. 1272026-03-17
PHILLIP SECURITIES PTE LTD5.00%92,482,491PDF p. 1272026-03-17
UNITED OVERSEAS BANK NOMINEES (PRIVATE) LIMITED3.77%69,819,925PDF p. 1272026-03-17
MAYBANK SECURITIES PTE. LTD.3.13%58,035,184PDF p. 1272026-03-17
HSBC (SINGAPORE) NOMINEES PTE LTD2.75%50,948,708PDF p. 1272026-03-17
DBS NOMINEES PTE LTD2.46%45,598,951PDF p. 1272026-03-17
CGS INTERNATIONAL SECURITIES SINGAPORE PTE LTD1.29%23,945,335PDF p. 1272026-03-17
RAFFLES NOMINEES (PTE) LIMITED0.80%14,908,544PDF p. 1272026-03-17
TIGER BROKERS (SINGAPORE) PTE. LTD.0.46%8,522,844PDF p. 1272026-03-17
NG SHENG TIONG0.41%7,606,870PDF p. 1272026-03-17
XAVIER KOH HONGWEI0.39%7,213,740PDF p. 1272026-03-17
MOOMOO FINANCIAL SINGAPORE PTE. LTD.0.36%6,755,669PDF p. 1272026-03-17
ON FOO LIN0.34%6,270,000PDF p. 1272026-03-17
DBSN SERVICES PTE LTD0.33%6,078,715PDF p. 1272026-03-17
IFAST FINANCIAL PTE LTD0.25%4,540,472PDF p. 1272026-03-17
MOH TSER LOONG ALVIN0.24%4,477,300PDF p. 1272026-03-17
LIM SWEE ANN0.20%3,674,071PDF p. 1272026-03-17
CITIBANK NOMINEES SINGAPORE PTE LTD0.17%3,055,636PDF p. 1272026-03-17
ENG KOON HOCK0.16%2,953,300PDF p. 1272026-03-17

Group structure

Main operating subsidiaries and other investments

Subsidiary table percentages are the ownership interests through the named holding entities. They must not be treated as final effective Group ownership at every tier. AL Capital (Ubi) is held 50% directly and 50% through Aspial Lifestyle Jewellery Group, giving Group ownership of 100%.

Niessing Schmuck-Kooperation has two routes: 50% held by Niessing Group and 26.92% through Niessing Manufaktur; the report gives a resultant effective interest of 70.19%. The ownership table and footnote use different versions of the intermediate Niessing entity name; the original table route is retained.

Maxi Capital Financial, Maxi Capital Solutions and Maxi Capital Leasing were disposed of as consolidated subsidiaries during FY2025 and appear under the 40%-owned associate in Note 15. Maxi Cash (Penang) is no longer in the current subsidiaries list. These former subsidiary entries are retained as historical evidence.

The Note 15 heading says Held by Maxi-Cash Wealth Holding Pte. Ltd., while the associate’s own name is Maxi Capital Wealth Holding Pte. Ltd.; the original route wording is retained. The three companies held through that associate are shown under Other investments and explicitly distinguished from consolidated subsidiaries.

Maxion remains 65% owned at 31 December 2025. The chairman’s message describes April 2026 acquisitions and the proposed increase to 100%; those subsequent events do not change the year-end ownership snapshot.

CompanyMarketOwnership interest
Maxi-Cash Group Pte. Ltd.PDF p. 85 Singapore; Investment holding and provision of management services. Held by Aspial Lifestyle Limited: FY2025 100% / FY2024 100%
Maxi-Cash Jewellery Group Pte. Ltd.PDF p. 85 Singapore; Trading and retailing of jewellery and branded merchandise. Held by Aspial Lifestyle Limited: FY2025 100% / FY2024 100%
Maxi-Cash Property Pte. Ltd.PDF p. 85 Singapore; Real estate activities. Held by Aspial Lifestyle Limited: FY2025 100% / FY2024 100%
Maxi-Cash Investment Holding Pte. Ltd.PDF p. 85 Singapore; Investment holding. Held by Aspial Lifestyle Limited: FY2025 100% / FY2024 100%
Maxi-Cash Capital Management Pte. Ltd.PDF p. 85 Singapore; Secured lending and investment holding. Held by Aspial Lifestyle Limited: FY2025 100% / FY2024 100%
Aspial Lifestyle International Pte. Ltd.PDF p. 85 Singapore; Investment holding and provision of management services. Held by Aspial Lifestyle Limited: FY2025 100% / FY2024 100%
Maxi-Cash Retail Pte. Ltd.PDF p. 85 Singapore; Jewellery retailing. Held by Aspial Lifestyle Limited: FY2025 100% / FY2024 100%
Aspial Lifestyle Jewellery Group Pte. Ltd.PDF p. 85 Singapore; Jewellery manufacturing. Held by Aspial Lifestyle Limited: FY2025 100% / FY2024 100%
BU2 Services Pte. Ltd.PDF p. 85 Singapore; Investment holding. Held by Aspial Lifestyle Limited: FY2025 100% / FY2024 100%
AL Capital (Ubi) Pte. Ltd.PDF p. 85 Singapore; Real estate activities. Held by Aspial Lifestyle Limited: FY2025 50% / FY2024 50%; Held by Aspial Lifestyle Jewellery Group Pte. Ltd.: FY2025 50% / FY2024 50%; combined Group ownership 100% across the two 50% routes (original footnote)
Niessing Group Pte. Ltd.PDF p. 85 Singapore; Investment holding and provision of management services. Held by Aspial Lifestyle Limited: FY2025 100% / FY2024 100%
AL Treasury Pte. Ltd.PDF p. 85 Singapore; Provision of other financial services. Held by Maxi-Cash Jewellery Group Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash (North) Pte. Ltd.PDF p. 85 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash (East) Pte. Ltd.PDF p. 85 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash (Central) Pte. Ltd.PDF p. 85 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash (West) Pte. Ltd.PDF p. 85 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash (Clementi) Pte. Ltd.PDF p. 85 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 70% / FY2024 70%
Maxi-Cash Capital Pte. Ltd.PDF p. 85 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash Assets Pte. Ltd.PDF p. 86 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash Ventures Pte. Ltd.PDF p. 86 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash (Central 2) Pte. Ltd.PDF p. 86 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash (East 2) Pte. Ltd.PDF p. 86 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash (North East) Pte. Ltd.PDF p. 86 Singapore; Pawn brokerage. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
MC Client Service Pte. Ltd.PDF p. 86 Singapore; Inactive. Held by Maxi-Cash Group Pte. Ltd.: FY2025 100% / FY2024 100%
BigFundr Private LimitedPDF p. 86 Singapore; Agent and facilitator of secured lending through online platform. Held by Maxi-Cash Capital Management Pte. Ltd.: FY2025 90% / FY2024 70%
Lee Hwa Jewellery Pte. Ltd.PDF p. 86 Singapore; Jewellery retailing. Held by Aspial Lifestyle Jewellery Group Pte. Ltd.: FY2025 100% / FY2024 100%
Goldheart Jewelry Pte. Ltd.PDF p. 86 Singapore; Jewellery retailing. Held by Aspial Lifestyle Jewellery Group Pte. Ltd.: FY2025 100% / FY2024 100%
The Shin Table Pte. Ltd.PDF p. 86 Singapore; Operator of restaurant. Held by AL Capital (Ubi) Pte. Ltd.: FY2025 100% / FY2024 –
Maxi Cash (Malaysia) Sdn. Bhd.PDF p. 86 Malaysia; Investment holding and provision of management services. Held by Aspial Lifestyle International Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash (Australia) Pty. Ltd.PDF p. 86 Australia; Investment holding and provision of management services. Held by Aspial Lifestyle International Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash (Hong Kong) Co. Ltd.PDF p. 86 Hong Kong; Inactive. Held by Aspial Lifestyle International Pte. Ltd.: FY2025 100% / FY2024 100%
Aspial Lifestyle Business Services Sdn. Bhd.PDF p. 86 Malaysia; Investment holding and provision of management services. Held by Aspial Lifestyle International Pte. Ltd.: FY2025 100% / FY2024 100%
Maxi Cash (Southern) Sdn. Bhd.PDF p. 87 Malaysia; Investment holding and provision of management services. Held by Maxi Cash (Malaysia) Sdn. Bhd.: FY2025 100% / FY2024 100%
LuxeSTYLE (Malaysia) Sdn. Bhd.PDF p. 87 Malaysia; Inactive. Held by Maxi Cash (Malaysia) Sdn. Bhd.: FY2025 100% / FY2024 100%
Maxi Cash Trading Sdn. Bhd.PDF p. 87 Malaysia; Inactive. Held by Maxi Cash (Malaysia) Sdn. Bhd.: FY2025 100% / FY2024 100%
MX Properties Sdn. Bhd.PDF p. 87 Malaysia; Real estate activities. Held by Maxi Cash (Malaysia) Sdn. Bhd.: FY2025 65% / FY2024 65%
Maxion Holdings Sdn. Bhd.PDF p. 87 Malaysia; Investment holding and provision of management services. Held by Maxi Cash (Malaysia) Sdn. Bhd.: FY2025 65% / FY2024 65%
Maxi Cash (S1) Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxi Cash (Southern) Sdn. Bhd.: FY2025 100% / FY2024 100%
Maxi Cash (S2) Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxi Cash (Southern) Sdn. Bhd.: FY2025 100% / FY2024 100%
Maxi Cash (S3) Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxi Cash (Southern) Sdn. Bhd.: FY2025 100% / FY2024 100%
Maxi Cash (KL1) Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxi Cash (Southern) Sdn. Bhd.: FY2025 100% / FY2024 100%
Maxi Cash (KL2) Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxi Cash (Southern) Sdn. Bhd.: FY2025 100% / FY2024 100%
Pajak Gadai Ion Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
PG Ion Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
PG Ion (BSJ) Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP1 Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP2 Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP3 Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP4 Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP5 Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP6 Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP7 Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP8 Sdn. Bhd.PDF p. 87 Malaysia; Pawn brokerage. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP9 Sdn. Bhd.PDF p. 87 Malaysia; Dormant. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP10 Sdn. Bhd.PDF p. 87 Malaysia; Dormant. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
Kedai Dremas Sdn. Bhd.PDF p. 88 Malaysia; Trading and retailing of jewellery and branded merchandise. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 100%
DRP Mulia Sdn. Bhd.PDF p. 88 Malaysia; Dormant. Held by Maxion Holdings Sdn. Bhd.: FY2025 100% / FY2024 –
Maxi-Cash (HKI) Co. Ltd.PDF p. 88 Hong Kong; Inactive. Held by Maxi-Cash (Hong Kong) Co. Ltd.: FY2025 100% / FY2024 100%
Maxi-Cash Retail (HKI) Co. Ltd.PDF p. 88 Hong Kong; Inactive. Held by Maxi-Cash (Hong Kong) Co. Ltd.: FY2025 100% / FY2024 100%
Niessing Asia Pacific Pte. Ltd.PDF p. 88 Singapore; Jewellery retailing and regional sales office. Held by Niessing Group Pte. Ltd.: FY2025 100% / FY2024 100%
Niessing Manufaktur GmbH & Co. KGPDF p. 88 Germany; Jewellery trading and manufacturing. Held by Niessing Group Pte. Ltd.: FY2025 75% / FY2024 75%
Niessing Schmuck-Kooperation GmbH & Co. KGPDF p. 88 Germany; Jewellery retailing. Held by Niessing Group Pte. Ltd.: FY2025 50% / FY2024 50%; Held by Niessing Manufaktur GmbH & Co. KG: FY2025 26.92% / FY2024 26.92%; effective Group interest 70.19% (original footnote)
Niessing (Hong Kong) LimitedPDF p. 88 Hong Kong; Jewellery retailing. Held by Niessing Asia Pacific Pte. Ltd.: FY2025 100% / FY2024 100%
Niessing (Australia) Pty. Ltd.PDF p. 88 Australia; Jewellery retailing. Held by Niessing Asia Pacific Pte. Ltd.: FY2025 100% / FY2024 100%
Niessing Vreden Commercial (Shanghai) LimitedPDF p. 88 People’s Republic of China; Jewellery retailing and regional sales office. Held by Niessing Asia Pacific Pte. Ltd.: FY2025 100% / FY2024 100%
Niessing (Malaysia) Sdn. BhdPDF p. 88 Malaysia; Jewellery retailing. Held by Niessing Asia Pacific Pte. Ltd.: FY2025 100% / FY2024 100%
Niessing GmbHPDF p. 88 Germany; Acting as the general partner of Niessing Manufaktur GmbH & Co. KG and Niessing Stores GmbH & Co. KG, being limited partnerships. Held by Niessing Manufaktur GmbH & Co. KG: FY2025 100% / FY2024 100%
Niessing Stores GmbH & Co. KGPDF p. 88 Germany; Jewellery trading. Held by Niessing Manufaktur GmbH & Co. KG: FY2025 100% / FY2024 100%
Niessing Verwaltungs GmbHPDF p. 89 Germany; Investment holding and provision of management services. Held by Niessing Schmuck-Kooperation GmbH & Co. KG: FY2025 100% / FY2024 100%
Niessing Retail Switzerland GmbHPDF p. 89 Switzerland; Jewellery trading. Held by Niessing Schmuck-Kooperation GmbH & Co. KG: FY2025 100% / FY2024 100%
Alchemist Studio & Associates Pte. Ltd.PDF p. 95 Singapore; Interior design consultancy and interior fit out/renovation. Held by Aspial Lifestyle Jewellery Group Pte. Ltd.: FY2025 30% / FY2024 30%
Maxi Capital Wealth Holding Pte. Ltd.PDF p. 95 Singapore; Investment holding and provision for management services. Held by Maxi-Cash Capital Management Pte. Ltd.: FY2025 40% / FY2024 –
Maxi Capital Financial Pte. Ltd.PDF p. 95 Singapore; Investment holding and provision for management services. Held by Maxi-Cash Wealth Holding Pte. Ltd.: FY2025 100% / FY2024 –; subsidiary of the 40%-owned associate, not a consolidated Group subsidiary
Maxi Capital Solutions Pte. Ltd.PDF p. 95 Singapore; Inactive. Held by Maxi Capital Financial Pte. Ltd.: FY2025 100% / FY2024 –; subsidiary of the 40%-owned associate, not a consolidated Group subsidiary
Maxi Capital Leasing Pte. Ltd.PDF p. 95 Singapore; Inactive. Held by Maxi Capital Financial Pte. Ltd.: FY2025 100% / FY2024 –; subsidiary of the 40%-owned associate, not a consolidated Group subsidiary

Ownership interests and geographic information follow the annual report. Comparative years and footnote markers retain the report’s notation.

Senior executives

Key management

Key management

ItemValuePeriod / scopeSource
OH KWOK FON Assistant Business Director Key management PDF p. 10
JONATHAN FOO CHUAN HUI Finance Director Key management PDF p. 10
TAN ENG YEOW Merchandising Director Key management PDF p. 11
TOH YEN HOON Retail & Marketing Director Key management PDF p. 11
LEE YEW TECK Operations Director Key management PDF p. 11
PATSY LOO Business Director Key management PDF p. 11

Extracted from Aspial Lifestyle Limited Annual Report 2025 and checked against the cited pages; see the original report for full context.

Shareholding statistics

Share capital & shareholders

Share capital

ItemValuePeriod / scopeSource
NO. OF ISSUED SHARES (EXCLUDING TREASURY SHARES) 1,851,284,692 shares Company · As at 2026-03-17 PDF p. 127
CLASS OF SHARES ORDINARY SHARES Company · As at 2026-03-17 PDF p. 127
VOTING RIGHTS (EXCLUDING TREASURY SHARES AND SUBSIDIARY HOLDINGS) ONE VOTE PER SHARE Company · As at 2026-03-17 PDF p. 127

Treasury shares

ItemValuePeriod / scopeSource
NUMBER/PERCENTAGE OF TREASURY SHARES 5,020,522 (0.27%) Company · As at 2026-03-17 PDF p. 127
NUMBER OF SUBSIDIARY HOLDINGS NIL Company · As at 2026-03-17 PDF p. 127

Shareholding distribution

ItemValuePeriod / scopeSource
TOTAL 2,868 shareholders Company, total shareholders · As at 2026-03-17 PDF p. 127
1 - 99 391 shareholders Size band 1 - 99; no. of shareholders · As at 2026-03-17 PDF p. 127
1 - 99 13.63% Size band 1 - 99; % of shareholders · As at 2026-03-17 PDF p. 127
1 - 99 17,290 shares Size band 1 - 99; no. of shares · As at 2026-03-17 PDF p. 127
1 - 99 0.00% Size band 1 - 99; % of shares · As at 2026-03-17 PDF p. 127
100 - 1,000 625 shareholders Size band 100 - 1,000; no. of shareholders · As at 2026-03-17 PDF p. 127
100 - 1,000 21.79% Size band 100 - 1,000; % of shareholders · As at 2026-03-17 PDF p. 127
100 - 1,000 311,240 shares Size band 100 - 1,000; no. of shares · As at 2026-03-17 PDF p. 127
100 - 1,000 0.02% Size band 100 - 1,000; % of shares · As at 2026-03-17 PDF p. 127
1,001 - 10,000 770 shareholders Size band 1,001 - 10,000; no. of shareholders · As at 2026-03-17 PDF p. 127
1,001 - 10,000 26.85% Size band 1,001 - 10,000; % of shareholders · As at 2026-03-17 PDF p. 127
1,001 - 10,000 3,402,692 shares Size band 1,001 - 10,000; no. of shares · As at 2026-03-17 PDF p. 127
1,001 - 10,000 0.18% Size band 1,001 - 10,000; % of shares · As at 2026-03-17 PDF p. 127
10,001 - 1,000,000 1,043 shareholders Size band 10,001 - 1,000,000; no. of shareholders · As at 2026-03-17 PDF p. 127
10,001 - 1,000,000 36.37% Size band 10,001 - 1,000,000; % of shareholders · As at 2026-03-17 PDF p. 127
10,001 - 1,000,000 88,577,676 shares Size band 10,001 - 1,000,000; no. of shares · As at 2026-03-17 PDF p. 127
10,001 - 1,000,000 4.78% Size band 10,001 - 1,000,000; % of shares · As at 2026-03-17 PDF p. 127
1,000,001 & ABOVE 39 shareholders Size band 1,000,001 & above; no. of shareholders · As at 2026-03-17 PDF p. 127
1,000,001 & ABOVE 1.36% Size band 1,000,001 & above; % of shareholders · As at 2026-03-17 PDF p. 127
1,000,001 & ABOVE 1,758,975,794 shares Size band 1,000,001 & above; no. of shares · As at 2026-03-17 PDF p. 127
1,000,001 & ABOVE 95.02% Size band 1,000,001 & above; % of shares · As at 2026-03-17 PDF p. 127
TOTAL 1,851,284,692 shares Total of distribution; no. of shares (100.00%) · As at 2026-03-17 PDF p. 127

Free float

ItemValuePeriod / scopeSource
SHAREHOLDINGS HELD IN THE HANDS OF THE PUBLIC approximately 15.48% of the issued ordinary shares of the Company was held in the hands of the public Company · As at 2026-03-17 PDF p. 128
Rule 723 of the Catalist Rules Rule 723 of the Catalist Rules which requires at least 10% of a listed issuer’s shares to be held in public hands has been complied with. Company · As at 2026-03-17 PDF p. 128

Extracted from Aspial Lifestyle Limited Annual Report 2025 and checked against the cited pages; see the original report for full context.

Related parties, people & properties

Other disclosures

Related party transactions

ItemValuePeriod / scopeSource
Subscription of shares 900 S$'000 Aspial Corporation Limited, FY2025 IPT PDF p. 33
Subscription of shares 600 S$'000 Maxi Capital Wealth Holding Pte. Ltd., FY2025 IPT PDF p. 33
Acquisition of Maxi Capital Financial Pte. Ltd. (formerly known as Maxi-Cash Financial Pte. Ltd.) and its subsidiaries 1,500 S$'000 Maxi Capital Wealth Holding Pte. Ltd., FY2025 IPT; acquisition of Maxi Capital Financial Pte. Ltd. (formerly Maxi-Cash Financial Pte. Ltd.) and its subsidiaries PDF p. 33
Provision of 119 S$'000 World Class Global Pte. Ltd. and its subsidiaries, management services, FY2025 IPT PDF p. 34
Lease of premises 283 S$'000 World Class Global Pte. Ltd. and its subsidiaries, FY2025 IPT PDF p. 34
AF Global Limited and its 120 S$'000 AF Global Limited and its subsidiaries, lease of premises, FY2025 IPT PDF p. 34
Mr Koh Wee Seng 1,030 S$'000 Exchange offer from Series 004 Notes and/or subscription of Series 004 Notes, FY2025 PDF p. 34
Ms Ko Lee Meng and her 331 S$'000 Ms Ko Lee Meng and her child, Series 004 Notes exchange/subscription, FY2025 PDF p. 34
Ms Tan Su Lan 2,908 S$'000 Series 004 Notes exchange/subscription, FY2025 PDF p. 34
Ms Lim Kwee Hua 448 S$'000 Series 004 Notes exchange/subscription, FY2025 PDF p. 34
DN Global Pte Ltd 560 S$'000 Series 004 Notes exchange/subscription, FY2025 PDF p. 34
Total 11,451 S$'000 FY2025 aggregate value of all IPT above S$100,000 PDF p. 34
Management services charged by immediate holding company 2,508 $'000 Group, 2025 (2024: 644) PDF p. 110
Services provided by an associate company 3,444 $'000 Group, 2025 (2024: 5,130) PDF p. 110
Total compensation paid to key management personnel 3,128 $'000 Group, 2025 (2024: 2,477) PDF p. 110

Contingent liabilities

ItemValuePeriod / scopeSource
Guarantees $578,596,000 Company; guarantees for bank borrowings of certain subsidiaries; 2025 (2024: $486,470,000) PDF p. 110

Director remuneration

ItemValuePeriod / scopeSource
Ng Kean Seen 1,026,218 S$ Executive Director and CEO, FY2025; salary 44%, bonus and profit sharing 56% PDF p. 26
Koh Wee Seng 26,000 S$ Non-Executive Director, FY2025; 100% Directors' fees PDF p. 26
Yeo Yun Seng Bernard 73,000 S$ Non-Executive Director, FY2025; 100% Directors' fees PDF p. 26
Tan Soo Kiang 55,000 S$ Non-Executive Director, FY2025; 100% Directors' fees PDF p. 26
Koh Lee Hwee(1) 14,389 S$ Non-Executive Director, FY2025; 100% Directors' fees PDF p. 26
Ng Bie Tjin @ Djuniarti Intan 55,000 S$ Non-Executive Director, FY2025; 100% Directors' fees PDF p. 26
Ko Lee Meng(2) 8,405 S$ Non-Executive Director, FY2025; 100% Directors' fees PDF p. 26
S$250,000 to below S$500,000 6 persons Number of top six key management personnel (not Directors/CEO), FY2025; salary 68%, bonus 32% PDF p. 27

Subsequent events

ItemValuePeriod / scopeSource
Issuance of Series 005 Tranche 2 Notes On 20 January 2026, the Company issued $25,000,000, 5.10% notes due 29 October 2029 Company · As at 2026-01-20 PDF p. 125

Outlook

ItemValuePeriod / scopeSource
OUTLOOK - pawnbroking The pawnbroking segment is expected to remain resilient Pawnbroking segment PDF p. 6
OUTLOOK - BigFundr is expected to contribute to the Group’s growth in FY2026 BigFundr secured lending PDF p. 6

Extracted from Aspial Lifestyle Limited Annual Report 2025 and checked against the cited pages; see the original report for full context.

Source: Aspial Lifestyle Limited Annual Report 2025 ↗

Corporate information

Registration & contacts

Incorporated In
SINGAPORE
Incorporated On
10 Apr 2008
Telephone
65 62252626
Fax
65 62251838
Registered Office
80 Raffles Place
#32-01 UOB Plaza 1
Singapore 048624
Secretary
Lim Swee Ann
Janet Tan
Registrar / Transfer Agent
B.A.C.S. PRIVATE LIMITED
Registrar Address
77 Robinson Road, #06-03 Robinson 77, Singapore 068896
Auditors
ERNST & YOUNG LLP
Other Stock Exchange Listings
*SINGAPORE EXCHANGE LTD.
Country
SINGAPORE
Security Type
stocks