Board of Directors
NG ENG KIAT
Chairman and Non-Independent Non-Executive Director
(67, Malaysian, Male)

Ng Eng Kiat was appointed as the Chairman of AEON Credit on 8 May 2018. Prior to this appointment, he was an Independent Non-Executive Director of AEON Credit since 7 August 2007, and redesignated 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 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 coopted member on a number of committees of the MICPA and an examiner for the final professional examination of the MICPA.

Presently, he is the Senior Partner/Adviser of the merged firm of Azman, Wong, Salleh & Co and Folks DFK & Co.

He is currently a member of the audit license interview panel representing MIA. He also sits on the Board of Directors of several private limited companies.

He is a member of the Remuneration Committee of the Company. He does not hold directorship in any other public or public listed company.

Ng has attended all fourteen (14) Board meetings held during the year ended 29 February 2020.
YURO KISAKA
Managing Director
(46, Japanese, Male)

Yuro Kisaka was appointed as the Managing Director of AEON Credit on 20 June 2019. He obtained a bachelor’s Degree in Law from Nihon University in Japan in 1997.

Kisaka began his career at AEON Credit Service Co., Ltd. in April 1997 and was subsequently transferred to AEON Credit Service (Asia) Co., Ltd. in 2003 as an Assistant General Manager, heading the Sales and Marketing Division. Thereafter, he managed the Operations Division from 2006 to 2007.

Subsequently, Kisaka was transferred to AEON Credit Service (M) Berhad in December 2007, where he managed the Marketing, Credit Card and New Business Development departments in the period until 2011.

In June 2012, he was appointed as the Chief Representative at the Myanmar Representative Office of AEON Credit Service Co., Ltd. prior to establishment of business operations in Myanmar. In November 2012, he was appointed as the Managing Director of AEON Microfinance (Myanmar) Co., Ltd., a position which he held until his transfer to the Company in Malaysia in June 2019.

He does not hold any directorship in any other public or public listed company. Kisaka has attended ten (10) Board meetings held during the year ended 29 February 2020.
DATO' MD KAMAL BIN ISMAUN
Non-Independent Non-Executive Director
(72, Malaysian, Male)

Dato’ Md. Kamal bin Ismaun was appointed as a Non-Executive Director of AEON Credit on 7 August 2007, and redesignated as a Non-Independent Non-Executive Director on 23 January 2019. He obtained a Bachelor’s Degree in Arts with Honours majoring in History and International Relations from Universiti Malaya in 1975.

He had served 32 years in the Foreign Service in various capacities both abroad and in Wisma Putra (Ministry of Foreign Affairs) which included stints as Counsellor at the Embassy of Malaysia in Tokyo, Japan (1986-1990), Charge d’Affaires in Zagreb, Croatia in Bosnia Herzegovina (1994-1996), Ambassador to Cambodia (1996-1999), Under-Secretary at the Ministry of Foreign Affairs (Southeast Asia and Pacific, 1999-2001), Director-General of ASEAN in the Ministry of Foreign Affairs (2001-2003) and Ambassador to Germany (2003 – July 2007).

He also serves as a member of the Nominating Committee in the Company. He does not hold any directorship in any other public or public listed company.

Dato’ Kamal has attended all fourteen (14) Board meetings held during the year ended 29 February 2020.
TOMOKATSU YOSHITOSHI
Independent Non-Executive Director
(68, Japanese, Male)

Tomokatsu Yoshitoshi was appointed as an Independent Non-Executive Director of AEON Credit on 30 June 2016.

He obtained a Bachelor’s Degree in Law (Political Science) from Keio University, Japan in 1975. He received his post graduate education from the Graduate School of Business Administration, Indiana University, Bloomington Indiana, USA in 1981.

He has over 44 years of wide range international business experiences based on 24 years of international banking career at the Long-Term Credit Bank of Japan, Ltd. including assignments at USA, Brazil and UK.

Then he served as General Manager of Finance at the Daiichi Hotel, Ltd., Japan in 1998, General Manager of LDA Commercial Division at ING Life Insurance Co., Ltd. in 1999, General Manager at the Investment Trust Services Division in 2000.

He was appointed as President of ING Mutual Fund Management Co., Ltd. from 2002 to 2003. Subsequently, he served as General Manager of Bank Distribution Business Development at ING Life Insurance Co., Ltd. until 2009.

He serves as an Audit & Supervisory Board Member at the Financial Products Group Co., Ltd. from 2012 until now.

In 2015, he was appointed as an Independent Non-Executive Director at AEON Bank Ltd., and as an Audit & Supervisory Board Member at FPG Trust Company Ltd. until now.

Currently, he holds the chair at both Remuneration Committee and Nominating Committee in the Company.

Yoshitoshi has attended all fourteen (14) Board meetings held during the year ended 29 February 2020.
S. SUNTHARA MOORTHY S. SUBRAMANIAM
Independent Non-Executive Director
(58, Malaysian, Male)

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 over 30 years of experience, mainly in general management, strategic business development, corporate
finance, accountancy, tax and audit. Sunthara served as an audit senior in several accounting fi rms in London, United Kingdom (UK) from 1986 to 1995, prior to joining Faber Group Berhad (FGB) (now known as UEM Edgenta Berhad) in 1995, where he served for 16 years. He held a few key positions in FGB and prior to leaving FGB, he was the Chief Executive Officer of Faber Facilities Sdn Bhd, a wholly-owned subsidiary of FGB, while concurrently holding the position of the Director of Corporate Services of FGB. He was on the Board of Eversendai Corporation Berhad as Executive Director of Corporate Affairs from October 2011 until March 2017.

Currently, he is the Chairman of the Audit Committee of the Company. He does not hold any directorship in any other public or public listed company.

Sunthara has attended all fourteen (14) Board meetings held during the year ended 29 February 2020.
YBhg. DATUK ADINAN BIN MANING
Senior Independent Non-Executive Director
(63, Malaysian, Male)

YBhg. Datuk Adinan bin Maning was appointed as an Independent Non-Executive Director of AEON Credit on the 28 June 2018. He was appointed as a Senior Independent Director on 23 January 2019.

YBhg. Datuk Adinan has 38 years of working experience of which 30 years has 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 other industries such as property development and construction, manufacturing, loan recovery, assets management, investment and insurance.

He is currently the Non-Executive Chairman of Prokhas Sdn Bhd since September 2019 and a board member of Urusharta Jemaah Sdn Bhd. Previously he had served as Chairman of BSNC Corporation Berhad, a board member of BSN, Prudential BSN Takaful Berhad, Permodalan BSN Berhad and Gibraltar BSN Life Berhad. Datuk Adinan was the President ofWorld Savings Bank Institute (Asia Pacifi c) and had served as Treasurer of Persatuan Badan Berkanun Malayisa and a council member of Association of Development Financial Institution of Malaysia (ADFIM).

Currently, he is a member of the Audit Committee and Chairman of Board Risk Committee of the Company. He does not hold any directorship in any other public or public listed company.

YBhg. Datuk Adinan has attended thirteen (13) Board meetings held during the year ended 29 February 2020.
DATIN KHOO PEK LING
Independent Non-Executive Director
(68, Malaysian, Female)

Datin Khoo Pek Ling was appointed as an Independent Non-Executive Director of AEON Credit on 28 June 2018. She qualifi ed as a Chartered Accountant of England & Wales in 1977; and is a Fellow of the Institute of Chartered Accountants England & Wales, a member of the MICPA, a member of the MIA and a member of the Chartered Tax Institute of Malaysia.

She started her career in Malaysia with Turquand Young (now Ernst & Young) in 1977 before taking up role as the Group Financial Controller of a major public listed group for five years. In 1984, she started her own public practice and after several audit firm mergers, she became a senior partner of Folks DFK & Co and Azman Wong Salleh & Co.

She was on the Board of DFK International, an international association of independent accounting firms from 1992 to 1994. In January 2018, she retired from Folks DFK & Co and Azman Wong Salleh & Co after 35 years of professional practice in audit, taxation and insolvency services. She currently serves on the committee of a Non-Governmental Organisation and she also sits on the Board of Directors of several private limited companies.

She is a member of the Audit Committee and Board Risk Committee of the Company. She does not hold any directorship in any other public or public listed company.

Datin Khoo has attended all fourteen (14) Board meetings held during the year ended 29 February 2020.
DATIN YASMIN BINTI AHMAD MERICAN
Independent Non-Executive Director
(69, Malaysian, Female)

Datin Yasmin Ahmad Merican was appointed as the Independent Non-Executive Director of AEON Credit on 23
January 2019. A business transformation practitioner, she studied marketing and holds a MBA in Strategic Marketing (Distinction) from the University of Hull, UK.

As a former partner of Ernst & Young in Malaysia and international partner with EY Global Client Consulting, she led the development of knowledge and customer management solutions for the global firm from the mid to the end of the 1990s in the Asia Pacific Region. In 2000, she founded Trax Associates, and since then has supported the enhancement of various organizational capabilities in marketing, product/service development and reputation management at some of Malaysia’s largest institutions. In 2013, she authored and published “The
Right to Brand” a business book pioneering brand building methods for emerging market companies.

She is currently a director with AEON Fantasy Sdn. Bhd. and HelloGold Sdn. Bhd., and Advisor to the AFS International/ Intercultural Programmes in Malaysia. She served on the board of the Malaysian Productivity Corporation (MPC) and on the industry panel at the School of Information Technology, Monash University (Malaysia) between 2008 and 2012. She is also the President of the Malaysian AEON Foundation, the charity arm of the AEON group of companies in Malaysia.

She is a member of the Nominating and Remuneration Committee of the Company. She does not hold any directorship in any other public or public listed company.

Datin Yasmin has attended all fourteen (14) Board meetings held during the year ended 29 February 2020.
RASHIDAH BINTI ABU BAKAR
Independent Non-Executive Director
(64, Malaysian, Female)

Rashidah binti Abu Bakar was appointed as an Independent Non-Executive Director of AEON Credit on 23 January 2019. She graduated from University Malaysia in 1979 with LLB (Hons). She commenced work in Bank Negara Malaysia (BNM) on 1 April 1979 at the Investment Department.

Rashidah was admitted as an Advocate and Solicitor of the High Court in Malaya in September 1981 upon her completion of legal professional qualifications.

She returned to BNM after being admitted to the Malaysian Bar and continued her service at BNM. In 1993, she was transferred to the Legal Department in BNM. Rashidah resigned from BNM in 1995 and joined private legal practice. Her area of practice was in conveyancing. She attended to financing documentation based on conventional as well as Shariah principles. She has gained experience in syndicated loans, private debt securities, sukuk documentation and highway financing. She has also been appointed as a President of the Consumer Tribunal constituted under the Ministry of Domestic Trade and Consumer Affairs with effect from 15 April 2018.

She is a member of the Board Risk Committee of the Company. She does not hold any directorship in any other public or public listed company. Rashidah has attended all fourteen (14) Board meetings held during the year ended 29 February 2020.
MASAAKI MANGETSU
Non-Independent Non-Executive Director
(62, Japanese, Male)

Masaaki Mangetsu was appointed as a Non-Independent Non-Executive Director of AEON Credit on 20 June 2019. He obtained a Degree of Bachelor of Law from Keio University in Japan in 1981.

He has over 30 years of working experience, mainly in marketing, business and sales. Mangetsu began his career in AEON Co., Ltd. (then Jusco Co., Ltd.) in March 1981. He was later appointed as the Head of Sales Planning Department of Tokai Business Division of AEON Co., Ltd. in September 1996. In May 2007, Mangetsu became the Head of Sales Promotion Department of AEON Co., Ltd. and subsequently, the Head of Marketing Department in April 2008. He was then appointed as the Head of Nagano Business Department of AEON Retail Co., Ltd. in 2009 and the Head of Chiba Business Department AEON Retail Co., Ltd. in March 2010. In March 2012, he was transferred to AEON (China) Co., Ltd. and held the position of Head of Sales Support Division before being promoted as the Chief Operating Officer of General Merchandise Store (GMS) Business in April 2013.

He began his career with AEON Credit Service Co., Ltd. in June 2014 where he was appointed as the Director, Executive Officer and Head of Marketing Division. In April 2015, Mangetsu was appointed as the Director of AEON Credit Service Co., Ltd.

In June 2015, he was appointed as the Director and Head of Marketing Division of AEON Financial Service Co., Ltd. In June 2016, Mangetsu was appointed as the Managing Director in charge of Business Strategy and Head of Overseas Business Division of AEON Financial Service Co., Ltd. and later appointed as the Managing Director in charge of Global Business Strategy in April 2017.

Masaaki Mangetsu was then appointed as the Director and Chairman of AEON Credit Service (Asia) Co., Ltd. in June 2017. He was later appointed as the Chairman of AEON Micro Finance (Shenzhen) Co., Ltd. in May 2019, Director of AEON Credit Service (Philippines) Inc. in June 2019 and Director, Managing Executive Offi cer in charge of Overseas Business Strategy and Innovation Planning of AEON Financial Service Co., Ltd. in July 2019. He still holds the 4 positions above to date.

He does not hold any directorship in any other public or public listed company.

Mangetsu has attended ten (10) Board meetings held during the year ended 29 February 2020.
LEE TYAN JEN
Executive Director
(46, Malaysian, Female)

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 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 as General Manager and served as the Head of Credit Assessment Group before assuming the position as Head of Business Operations Division in April 2015. In April 2016, she has been designated as the Chief Operating Officer of the Company and as Head of Customer Service and Operations Division. Subsequently, her portfolio was added with Head of IT Group in March 2017. She was redesignated as Chief Information Officer and Head of IT Division since April 2019.

She does not hold any directorship in any other public or public listed company.

Lee has attended all fourteen (14) Board meetings held during the year ended 29 February 2020.