Leadership

Ng Eng Kiat was appointed as the Chairman of AEON Credit Service (M) Berhad (“AEON Credit”) on 8 May 2018. Prior to this, he was an Independent Non-Executive Director of AEON Credit since 7 August 2007 and subsequently re-designated as a Non-Independent Non-Executive Director on 23 January 2019.

He is a member of the Malaysian Institute of Accountants (“MIA”), Malaysian Institute of Certified Public Accountants (“MICPA”) and a fellow member of the Chartered Tax Institute of Malaysia. He has more than 40 years of experience in the field of audit, accountancy, corporate services and taxation. He had previously served as a member on a number of working groups of the Malaysian Accounting Standards Board, a co-opted member on a number of committees of the MICPA and an examiner for the final professional examination of the MICPA. He had also represented MIA as a member of the audit licensing panel under the auspices of the Ministry of Finance.

Presently, he is the Group Chairman of the merged firm of Chartered Accountants practising under the names of Azman, Wong, Salleh & Co PLT and Folks DFK & Co PLT. He is also a director of two private limited companies that provide related professional services. He also currently serves as the President of the Malaysian AEON Foundation, a charitable organisation championed by the AEON group of companies in Malaysia.

He does not hold any directorship in other public or public listed companies. He holds 42,642 ordinary shares in the Company.

Daisuke Maeda was appointed as the Managing Director of AEON Credit on 23 June 2021. Prior to his appointment, he was the Managing Director of AEON Credit Service India Private Limited from July 2017 to June 2021. 

Maeda holds a Bachelor’s Degree in Sociology from Kansai University, Japan. He started his career at AEON Credit Service Co., Ltd. from 1999 to 2005. He was transferred to AEON Thana Sinsap (Thailand) PCL in August 2005. Later, he was appointed as the Senior Vice President and Head of Sales & Marketing, holding various positions throughout the years until February 2010. 

Maeda was seconded to the Representative Office in Cambodia where he held the position of Chief Representative from February 2010 to October 2011. In November 2011, Maeda established AEON Microfinance (Cambodia) Co., Ltd., where he held the roles of Managing Director and Vice Chairman of the company. Under his leadership, AEON Microfinance (Cambodia) Co., Ltd. obtained a Specialised Bank License from the National Bank of Cambodia, and became AEON Specialised Bank (Cambodia) Co., Ltd. where he continued as Managing Director and Vice Chairman from October 2015 to June 2017. 

Currently, he serves as a Non-Independent Non-Executive Director of AEON Insurance Brokers (M) Sdn. Bhd. (“AEON Insurance Brokers”), a Non-Independent Executive Director of AEON Bank (M) Berhad (“AEON Bank”), an associate company of AEON Credit and the Chairman of AEON360 Sdn. Bhd. (AEON360). 

Maeda assumed the roles of Managing Director & Chief Executive Officer with effect from 1 January 2026 in line with the expanded scope of responsibilities to and focus on designing collaborative frameworks, formulating cross-entity strategies, and driving additional value creation across the Group. 

Other than AEON Credit and AEON Bank, he does not hold any other directorship in other public or public listed companies. He does not hold any shares in the Company. 

He does not have any other conflict of interest with the Company or its subsidiaries, except by virtue of being a seconded employee from AEON Financial Service Co., Ltd. (“AFS”) to the Company, which gives rise to conflict of interest in connection with recurrent related party transactions as disclosed in our RRPT circular dated 22 May 2026. 

S Sunthara Moorthy A/L S Subramaniam was appointed as an Independent Non-Executive Director of AEON Credit on 1 March 2018. He is a Fellow Member of the Association of Chartered Certified Accountants (“ACCA”) and a Chartered Accountant with the MIA. 

He has more than three decades of extensive professional and leadership experience across general management, strategic business development, corporate finance, accountancy, taxation and audit. Sunthara began his professional career in London, United Kingdom, where he was engaged in audit practice from 1986 to 1995, gaining significant international exposure and professional experience. In 1995, he joined UEM Edgenta Berhad (formerly known as Faber Group Berhad) and served the Group for 16 years in various senior leadership capacities. During his tenure, he held several key management roles and, prior to his departure, served as Chief Executive Officer of a wholly-owned subsidiary of the Group while concurrently holding the position of Director of Corporate Services of the Group. In October 2011, he joined Eversendai Corporation Berhad as Executive Director and was a member of its Board until March 2017. 

He was appointed as the Chairman of AEON Insurance with effect from 1 July 2023.  

At AEON Credit today, he is the Chairman of the Audit Committee and a member of the Nomination and Remuneration Committee of the Company. He does not hold any directorship in other public or public listed companies. He does not hold any shares in the Company. 

Datuk Adinan Bin Maning was appointed as an Independent Non-Executive Director of AEON Credit on 28 June 2018. On 23 January 2019, he was appointed as a Senior Independent Director. 

Datuk Adinan has 38 years of working experience, of which 30 years have been in banking. He started in 1980 with Bank Bumiputra Malaysia Berhad and had in the last 10 years of his career served as the Chief Executive Officer of Bank Simpanan Nasional (“BSN”). Throughout his career, he had exposure in various industries such as property development and construction, manufacturing, loan recovery, assets management, investment and insurance. 

On 1 September 2019, he was appointed as a Board member of Urusharta Jamaah Sdn. Bhd. (“UJSB”), a company owned by MOF Inc. Presently, he is the Chairman of its Board Audit and Risk Committee and a member of its Nomination and Remuneration Committee. 

Datuk Adinan was the President of the World Savings Bank Institute (Asia Pacific Region) and had served as Treasurer of Persatuan Badan Berkanun Malaysia and was a council member of the Association of Development Financial Institutions of Malaysia. 

He had also served as the Non-Executive Chairman of Prokhas Sdn. Bhd. And Non-Executive Chairman of BSNC Corporation Berhad. He was also a Board member of BSN, Prudential BSN Takaful Berhad, Permodalan BSN Berhad, and Gibraltar BSN Life Berhad. Today, he is also an Independent Director of TH Heavy Engineering Berhad (“THHE”), THHE Fabricators Sdn. Bhd., as well as UJ Estates (Holdings) Sdn Bhd, all of which are subsidiary companies of UJSB. 

He was the Chairman of AEON Bank from February 2023 to November 2023. 

At AEON Credit today, he is the Chairman of the Board Risk Committee and the Chairman of the Nomination and Remuneration Committee of the Company. Other than the above disclosures, he does not hold any directorship in other public or public listed companies. He does not hold any shares in the Company.

Chin Pik Yuen was appointed as an Independent Non-Executive Director of AEON Credit on 27 July 2023. She is a Certified Public Accountant of the MICPA and a Chartered Accountant of the MIA. She also holds a Postgraduate Diploma in Anti-Money Laundering from the University of Manchester, Manchester Business School, United Kingdom.

She started her career as a statutory auditor in 1988 and subsequently specialised in internal audit with two public listed groups of companies in the banking and capital market sectors for a period of 12 years. In these companies, she also took on various other functions during her service, including Internal Audit Professional Practices, Special Projects, Systems & Methods and Human Resources & Administration. She then moved on to a governance role with a US-based outsourcing company where she supported the Hong Kong operations. She subsequently returned to the banking and capital markets sector for 7 years in a risk and compliance role with a foreign bank and a local investment bank as head of group compliance, covering Hong Kong, Singapore, and the bank’s other ASEAN-based subsidiaries.

She joined Securities Commission Malaysia in 2014 where she headed the Managed Investment Schemes Department and subsequently, the Authorisation & Licensing Department. Her final role was with Corporate Planning and Strategy Department before her retirement in 2021.

At AEON Credit today, she is a member of the Audit Committee and Nomination and Remuneration Committee of the Company. Other than AEON Credit and HeveaBoard Berhad, she does not hold any directorship in other public or public listed companies. She does not hold any shares in the Company.

She does not have any other conflict of interest with the Company or its subsidiaries, save for a potential conflict of interest arising from her directorship as an Independent Non-Executive Director of Bondsupermart Sdn. Bhd. (“Bondsupermart”). While Bondsupermart and its related entities are within the same group, there are no direct shareholdings among the companies, and they remain separate and distinct in operations, board and senior management control.

Farah Suhanah Binti Ahmad Sarji was appointed as an Independent Non-Executive Director of AEON Credit on 21 June 2024. She graduated with a Bachelor of Arts (Hons) in Law from the University of Kent in 1988 and was admitted as a Barrister-at-Law of the Middle Temple, London in 1989, and as an Advocate and Solicitor of the High Court of Malaya in 1996. In 2025, she graduated with a Master of Business Administration (Majoring in Finance) from Universiti Tun Abdul Razak in Kuala Lumpur.

Farah has over 26 years of legal and commercial expertise across Malaysia on regulatory requirements, both locally and internationally, in the oil and gas, telecommunications and satellite industries as well as the palm oil plantation industry. She brings a wealth of experience and expertise to her role as a director, having held significant positions in various esteemed organisations over her illustrious career.

She retired as the Group Legal Counsel from IOI Corporation, a leading global integrated and sustainable palm oil player, a public listed company in Malaysia. Prior to this, she was General Counsel at MEASAT Global, a Malaysian telecommunications company for 10 years, whilst concurrently managing her own private legal firm where she advised on several expressway concessions. She was also a Partner in the Government Projects Practice area of Zaid Ibrahim & Co. for 7 years until 2003. Between 1989 to 1996, she served the Malaysian Government as a Magistrate in Kuala Lumpur, and as Deputy Public Prosecutor and Federal Counsel in the Attorney-General’s Chambers.

At AEON Credit today, she is a member of the Audit Committee. She is also a Director of Kluang Rubber Company (Malaya) Berhad and a member of the Board of Trustees of Yayasan DayaDiri. Additionally, she serves as an Independent Non-Executive Director in Sunway Real Estate Investment Trust, and a Senior Independent Non-Executive Director in AEP Plantations Plc (formerly known as Anglo-Eastern Plantations Plc), a public listed company on the London Stock Exchange. 

Other than the above disclosures, she does not hold any directorship in other public or public listed companies. She does not hold any shares in the Company.

Wan Chee Keong was appointed as an Independent Non-Executive Director of AEON Credit on 1 December 2024. He graduated with First Class Honours in a Bachelor of Science in Computer Science from Universiti Kebangsaan Malaysia. Additionally, he holds an MBA in Finance from the International Islamic University Malaysia and has earned certifications in Leadership and Sustainability Leadership from the European Institute of Business Administration (Institut Europeen d’Administration des Affaires, “INSEAD”) and the Cambridge Institute of Sustainability Leadership, respectively. He is also a Chartered Banker, awarded by the Asian Institute of Chartered Bankers.

He began his career as a Systems Analyst at the Ministry of Justice in 1985 before joining CIMB Bank Berhad (“CIMB”) in 1988. Over the course of 36 years with CIMB, he held various roles and garnered vast experience in numerous aspects of banking operations, particularly in leveraging technology to accomplish organisational objectives.

His last position at CIMB was as a Senior Managing Director and Head of Group Technology for Business Services, where he led the IT functions for all revenue-generating business units, including Consumer Banking, Digital Banking, Wholesale Banking, Islamic Banking, Transaction Banking, and Commercial Banking. He also played a key role in the technology aspects of every merger and acquisition exercise undertaken by CIMB. He had also led the implementation of many critical IT applications in various regional CIMB locations in Indonesia, Thailand, Singapore, London, Hong Kong, and Shanghai. Having spent nearly his entire career at CIMB, he has experienced the evolution of both local and international banking industries.

At AEON Credit today, he is a member of the Board Risk Committee of the Company. Other than AEON Credit, he does not hold any directorship in other public or public listed companies. He does not hold any shares in the Company.

Shareen Shariza Binti Abdul Ghani was appointed as an Independent Non-Executive Director of AEON Credit on 1 October 2025. She holds a Master of Studies in Sustainability Leadership from the University of Cambridge and a Master of Public Policy from Universiti Malaya.

She has extensive expertise in Sustainable Development and ESG, covering policy and strategy development, climate solutions, carbon markets, nature-based solutions, and global sustainability reporting standards.

Her career includes leadership roles at Khazanah Nasional Berhad, where she advanced responsible investments and sustainability strategies. She later served as CEO of Talent Corporation Malaysia Berhad and as an Independent Expert Member of Bursa Malaysia’s Sustainability and Development Committee. From 2003-2006, Shareen served as the Chief Operating Officer at Mercy Malaysia, a medical humanitarian organisation.

Currently, she is the Founder and Managing Director of Sorga Innovation Sdn. Bhd., Chairperson of the Malaysian Green Technology and Climate Change Corporation (MGTC), and a Director of Accelerate Global and MTT Shipping and Logistics Berhad, where she also serves as Chair of the Nomination and Remuneration Committee and the Sustainability Committee. She also serves as a Board of Trustee of Yayasan UEM, a Board of Governors of Yayasan Bursa Malaysia, an Independent Committee Member of Bursa Malaysia’s Sustainability and Development Committee, as well as an Honorary Advisor to the ESG Association of Malaysia, and an Adjunct Professor at UNITAR International University.

At AEON Credit, she is a member of the Board Risk Committee. Other than the above disclosures, she does not hold any directorship in other public or public listed companies. She does not hold any shares in the Company.

Tsutomu Omodera was appointed as a Non-Independent Non-Executive Director of AEON Credit on 21 June 2024. He obtained a Bachelor’s Degree of Faculty of Engineering from Kobe University, Japan.

During his earlier career, he held significant roles at AEON Credit Service Co., Ltd. from 2013 to 2015, he served as an Executive Officer and subsequently held the positions of Director and Executive Officer between 2015 and 2019. Moreover, his leadership at AEON Bank, Ltd., where he was an Executive Officer from 2006 to 2013, laid the foundation for his expertise in financial services.

From 2018 to 2020, he was the Managing Director of ACS Credit Management Co., Ltd. in Japan. In this position, he oversaw critical management functions and contributed to the company’s robust financial performance. In 2019, he served as a Non-Executive Director of AEON Credit Service Co., Ltd.

From 2020 to 2024, he served as a Non-Executive Director of ACS Servicing (Thailand) Co., Ltd. During the same period, he was also the Managing Director of AEON Thana Sinsap (Thailand) PLC. He also held the position of Chairman at AEON Specialized Bank (Cambodia) PLC. from 2021 to 2024. Currently, he serves as an Executive Officer at AEON Financial Service Co., Ltd. (“AFS”), a position he has held since 2024. He does not hold any directorship in other public or public listed companies.

He does not have any other conflict of interest with the Company or its subsidiaries, except by virtue of being an Executive Officer of AFS, which gives rise to conflict of interest in connection with recurrent related party transactions as disclosed in our RRPT circular dated 22 May 2026. He does not hold any shares in the Company.

Mr. Tsugutoshi Seko was appointed as a Non-Independent Non-Executive Director of AEON Credit on 7 April 2026. He began his career with AEON CO., LTD., Japan, in 1993 and has more than three decades of extensive experience in human resource management, corporate leadership and retail operations within the AEON Group. 

He commenced his career in the Human Resource Division and, over the years, held various leadership positions. In 2004, he was appointed Human Resource Manager for the Kanto Division before transitioning to the Human Resource Planning Department, where he later assumed the role of Group Human Resource Department Manager. In 2015, he was promoted to General Manager of the Group Human Resource Department. In 2018, Mr. Seko took on an international role as Senior General Manager at AEON (CAMBODIA) Co., Ltd. and was subsequently appointed as Chairman and Managing Director. 

He joined AEON CO. (M) BHD. as Deputy Managing Director on 1 July 2022 and was appointed Managing Director on 1 March 2026. Prior to his current role, he also served as Managing Director of AEON BiG (M) SDN. BHD. Currently, he also holds the position of Chairman of AEON BiG (M) Sdn. Bhd. and serves as a Director of AEON360 Sdn. Bhd. 

Other than AEON Credit and AEON CO. (M) Bhd, he does not hold any directorship in other public or public listed companies. 

He was appointed to the Board on 7 April 2026 and, accordingly, did not attend any Board meetings during the financial period under review. 

He does not have any other conflict of interest with the Company or its subsidiaries, except by virtue of being an Executive Officer of AEON CO., LTD., Managing Director of AEON CO. (M) BHD. and Chairman of AEON BiG (M) Sdn Bhd, which gives rise to conflict of interest in connection with recurrent related party transactions as disclosed in our RRPT circular dated 22 May 2026. 

Lee Tyan Jen was appointed as an Executive Director of AEON Credit on 1 July 2013. She obtained a Bachelor’s Degree in Business Administration from the University of South Alabama, USA in 1996.

She joined AEON Credit in 1998 as an officer in the Credit Assessment Department. Subsequently, she was promoted to various positions in the Credit Assessment Department and was appointed as the Assistant General Manager in 2006. In 2008, she was promoted to General Manager and served as the Head of Credit Assessment Group before assuming the position of Head of Business Operations Division in April 2015. In April 2016, she was designated as the Chief Operating Officer of the Company and as Head of Customer Service and Operations Division. Subsequently, her portfolio was expanded to include Head of IT Group in March 2017. She was redesignated as Chief Information Officer and Head of IT Division in April 2019. In July 2020, her strengths in customer service and IT were combined under the new leadership position of Head of IT & Customer Service Division.

In July 2021, her exemplary performance led to her appointment as Chief Operating Officer, while still heading her existing division and also serving additionally as Head of Marketing & Business Development Division.

She will continue in the role of Executive Director while being appointed as Deputy Chief Executive Officer & Chief Business Synergy Officer with effect from 1 January 2026, overseeing the Marketing & Biz Development Division, Credit Operation Division and IT Division.

She does not hold any directorship in other public or public listed companies. She holds 84,514 ordinary shares in the Company.