Sing Investments & Finance Limited Annual Report 2025
Units appear below each metric. Scroll to compare years
| Metric / unit | 2025Group | 2024Group | 2025Company | 2024Company | Source |
|---|---|---|---|---|---|
| Assets | |||||
| Cash and deposits with banks and Monetary Authority of Singapore (MAS)SGD thousand | 123,173 | 195,303 | 123,082 | 195,219 | PDF p. 93 |
| Statutory deposits with the MASSGD thousand | 83,060 | 82,786 | 83,060 | 82,786 | PDF p. 93 |
| Singapore Government Securities and MAS BillsSGD thousand | 437,651 | 433,064 | 437,651 | 433,064 | PDF p. 93 |
| Investment in equity securitiesSGD thousand | 7,947 | 7,184 | 7,658 | 6,942 | PDF p. 93 |
| Loans and advancesSGD thousand | 2,787,089 | 2,668,782 | 2,787,089 | 2,668,782 | PDF p. 93 |
| Other receivables, deposits and prepaymentsSGD thousand | 8,284 | 5,771 | 8,284 | 5,771 | PDF p. 93 |
| SubsidiarySGD thousand | – | – | 25 | 25 | PDF p. 93 |
| Property, plant and equipmentSGD thousand | 19,074 | 19,886 | 19,074 | 19,886 | PDF p. 93 |
| Investment propertiesSGD thousand | 29,487 | 30,037 | 29,487 | 30,037 | PDF p. 93 |
| Deferred tax assetsSGD thousand | – | 394 | – | 426 | PDF p. 93 |
| Total assetsSGD thousand | 3,495,765 | 3,443,207 | 3,495,410 | 3,442,938 | PDF p. 93 |
| Liabilities | |||||
| Deposits and balances of customersSGD thousand | 2,958,141 | 2,927,768 | 2,958,964 | 2,928,566 | PDF p. 93 |
| Other liabilitiesSGD thousand | 30,481 | 45,913 | 29,942 | 45,392 | PDF p. 93 |
| Borrowings from Enterprise Singapore (unsecured)SGD thousand | 751 | 1,332 | 751 | 1,332 | PDF p. 93 |
| Provision for employee benefitsSGD thousand | 212 | 182 | 212 | 182 | PDF p. 93 |
| Current tax payableSGD thousand | 8,694 | 7,611 | 8,694 | 7,611 | PDF p. 93 |
| Deferred tax liabilitiesSGD thousand | 1,353 | – | 1,314 | – | PDF p. 93 |
| Total liabilitiesSGD thousand | 2,999,632 | 2,982,806 | 2,999,877 | 2,983,083 | PDF p. 93 |
| Equity attributable to equity holders of the Company | |||||
| Share capitalSGD thousand | 180,008 | 180,008 | 180,008 | 180,008 | PDF p. 93 |
| ReservesSGD thousand | 316,125 | 280,393 | 315,525 | 279,847 | PDF p. 93 |
| Equity | |||||
| Total equitySGD thousand | 496,133 | 460,401 | 495,533 | 459,855 | PDF p. 93 |
| Liabilities and equity | |||||
| Total liabilities and equitySGD thousand | 3,495,765 | 3,443,207 | 3,495,410 | 3,442,938 | PDF p. 93 |
| Off-balance sheet items | |||||
| Undrawn loan commitmentsSGD thousand | 1,227,900 | 1,038,815 | 1,227,900 | 1,038,815 | PDF p. 93 |
| Contingent liabilitiesSGD thousand | 4,284 | 530 | 4,284 | 530 | PDF p. 93 |
| Total off-balance sheet itemsSGD thousand | 1,232,184 | 1,039,345 | 1,232,184 | 1,039,345 | PDF p. 93 |
Original report: PDF p. 93 ↗
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| Metric / unit | 2025Group | 2024Group | Source |
|---|---|---|---|
| Revenue | |||
| Interest income and hiring chargesSGD thousand | 140,156 | 150,790 | PDF p. 94 |
| Interest expenseSGD thousand | (64,875) | (86,112) | PDF p. 94 |
| Income | |||
| Net interest income and hiring chargesSGD thousand | 75,281 | 64,678 | PDF p. 94 |
| Non-interest income | |||
| Fees and commissionsSGD thousand | 5,824 | 3,305 | PDF p. 94 |
| DividendsSGD thousand | 397 | 337 | PDF p. 94 |
| Rental income from investment propertiesSGD thousand | 4,008 | 3,536 | PDF p. 94 |
| Other incomeSGD thousand | 70 | 108 | PDF p. 94 |
| Income | |||
| Non-interest incomeSGD thousand | 10,299 | 7,286 | PDF p. 94 |
| Income before operating expensesSGD thousand | 85,580 | 71,964 | PDF p. 94 |
| Operating expenses | |||
| Staff costsSGD thousand | (20,996) | (19,398) | PDF p. 94 |
| Depreciation of property, plant and equipmentSGD thousand | (1,497) | (1,932) | PDF p. 94 |
| Depreciation of investment propertiesSGD thousand | (550) | (392) | PDF p. 94 |
| Depreciation of right of use assetsSGD thousand | (30) | (26) | PDF p. 94 |
| Other operating expensesSGD thousand | (7,127) | (6,504) | PDF p. 94 |
| Total operating expensesSGD thousand | (30,200) | (28,252) | PDF p. 94 |
| Profit | |||
| Profit from operations before allowancesSGD thousand | 55,380 | 43,712 | PDF p. 94 |
| Allowances for credit lossesSGD thousand | (4,532) | (34) | PDF p. 94 |
| Profit before income taxSGD thousand | 50,848 | 43,678 | PDF p. 94 |
| Tax | |||
| Income tax expenseSGD thousand | (8,525) | (7,338) | PDF p. 94 |
| Profit | |||
| Profit for the year attributable to equity holders of the CompanySGD thousand | 42,323 | 36,340 | PDF p. 94 |
| Earnings per share | |||
| Basic/DilutedSingapore cents per share | 17.90 | 15.37 | PDF p. 94 |
Original report: PDF p. 94 ↗
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| Metric / unit | 2025Group | 2024Group | Source |
|---|---|---|---|
| Profit | |||
| Profit for the yearSGD thousand | 42,323 | 36,340 | PDF p. 95 |
| Items that will not be reclassified subsequently to profit or loss | |||
| Net change in fair value of equity investments at FVOCISGD thousand | 763 | 1,339 | PDF p. 95 |
| Income tax relating to items that will not be reclassified subsequently to profit or lossSGD thousand | (128) | (228) | PDF p. 95 |
| Non-reclassifiable other comprehensive income subtotal | |||
| SubtotalSGD thousand | 635 | 1,111 | PDF p. 95 |
| Items that may be reclassified subsequently to profit or loss | |||
| Net change in fair value of debt investments at FVOCISGD thousand | 9,811 | 820 | PDF p. 95 |
| Income tax relating to items that may be reclassified subsequently to profit or lossSGD thousand | (1,668) | (139) | PDF p. 95 |
| Reclassifiable other comprehensive income subtotal | |||
| SubtotalSGD thousand | 8,143 | 681 | PDF p. 95 |
| Other comprehensive income | |||
| Other comprehensive income for the year, net of taxSGD thousand | 8,778 | 1,792 | PDF p. 95 |
| Comprehensive income | |||
| Total comprehensive income for the yearSGD thousand | 51,101 | 38,132 | PDF p. 95 |
Original report: PDF p. 95 ↗
Units appear below each metric. Scroll to compare years
| Metric / unit | 2025Group | 2024Group | Source |
|---|---|---|---|
| Operating activities | |||
| Profit before income taxSGD thousand | 50,848 | 43,678 | PDF p. 100 |
| Operating adjustments | |||
| Impact of accrual of interest incomeSGD thousand | (2,640) | 1,506 | PDF p. 100 |
| Impact of accrual of interest expenseSGD thousand | (6,548) | (15,179) | PDF p. 100 |
| Interest expense on lease liabilitiesSGD thousand | 4 | 5 | PDF p. 100 |
| Depreciation of property, plant and equipmentSGD thousand | 1,497 | 1,932 | PDF p. 100 |
| Depreciation of investment propertiesSGD thousand | 550 | 392 | PDF p. 100 |
| Depreciation of right of use assetsSGD thousand | 30 | 26 | PDF p. 100 |
| Allowances for credit losses on loansSGD thousand | 4,554 | 63 | PDF p. 100 |
| DividendsSGD thousand | (397) | (337) | PDF p. 100 |
| Operating activities | |||
| Operating cash flows before movements in working capitalSGD thousand | 47,898 | 32,086 | PDF p. 100 |
| Changes in working capital | |||
| Deposits and balances of customersSGD thousand | 30,373 | 21,606 | PDF p. 100 |
| Other liabilitiesSGD thousand | (8,856) | 284 | PDF p. 100 |
| Borrowings from Enterprise SingaporeSGD thousand | (581) | (645) | PDF p. 100 |
| Statutory deposits with the MASSGD thousand | (274) | (7,756) | PDF p. 100 |
| Singapore Government Securities and MAS BillsSGD thousand | 7,240 | 23,225 | PDF p. 100 |
| Loans and advancesSGD thousand | (122,861) | (218,056) | PDF p. 100 |
| Other assetsSGD thousand | (1,919) | (1,025) | PDF p. 100 |
| Provision for employee benefitsSGD thousand | 30 | 6 | PDF p. 100 |
| Operating activities | |||
| Cash used in operating activitiesSGD thousand | (48,950) | (150,275) | PDF p. 100 |
| Income tax paidSGD thousand | (7,491) | (6,735) | PDF p. 100 |
| Net cash used in operating activitiesSGD thousand | (56,441) | (157,010) | PDF p. 100 |
| Investing activities | |||
| Purchase of property, plant and equipmentSGD thousand | (685) | (57) | PDF p. 100 |
| Purchase of investment propertiesSGD thousand | – | (9,375) | PDF p. 100 |
| Dividends receivedSGD thousand | 397 | 337 | PDF p. 100 |
| Net cash used in investing activitiesSGD thousand | (288) | (9,095) | PDF p. 100 |
| Financing activities | |||
| Cash payments of lease liabilitiesSGD thousand | (32) | (32) | PDF p. 100 |
| Dividends paidSGD thousand | (15,369) | (14,186) | PDF p. 100 |
| Net cash used in financing activitiesSGD thousand | (15,401) | (14,218) | PDF p. 100 |
| Cash and cash equivalents | |||
| Net decrease in cash and cash equivalentsSGD thousand | (72,130) | (180,323) | PDF p. 100 |
| Cash and cash equivalents at beginning of the yearSGD thousand | 195,303 | 375,626 | PDF p. 100 |
| Cash and cash equivalents at end of the yearSGD thousand | 123,173 | 195,303 | PDF p. 100 |
Original report: PDF p. 100 ↗
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| Metric / unit | 2025GroupShare capital | 2025GroupStatutory reserve | 2025GroupRegulatory Loss Allowance Reserve | 2025GroupFair value reserve | 2025GroupAccumulated profits | 2025GroupTotal equity | Source |
|---|---|---|---|---|---|---|---|
| Group equity movements FY2025 | |||||||
| Balance at 1 January 2025SGD thousand | 180,008 | 155,408 | 15,105 | (3,390) | 113,270 | 460,401 | PDF p. 96 |
| Profit for the yearSGD thousand | – | – | – | – | 42,323 | 42,323 | PDF p. 96 |
| Other comprehensive income for the year — netSGD thousand | – | – | – | 8,778 | – | 8,778 | PDF p. 96 |
| TotalSGD thousand | – | – | – | 8,778 | 42,323 | 51,101 | PDF p. 96 |
| Transfer to Regulatory Loss Allowance ReserveSGD thousand | – | – | – | – | – | – | PDF p. 96 |
| Transfer from accumulated profits to statutory reserveSGD thousand | – | 10,578 | – | – | (10,578) | – | PDF p. 96 |
| Final one-tier tax exempt dividend paid for financial year 2024 of 6.5 cents per shareSGD thousand | – | – | – | – | (15,369) | (15,369) | PDF p. 96 |
| Balance at 31 December 2025SGD thousand | 180,008 | 165,986 | 15,105 | 5,388 | 129,646 | 496,133 | PDF p. 96 |
Original report: PDF p. 96 ↗
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| Metric / unit | 2024GroupShare capital | 2024GroupStatutory reserve | 2024GroupRegulatory Loss Allowance Reserve | 2024GroupFair value reserve | 2024GroupAccumulated profits | 2024GroupTotal equity | Source |
|---|---|---|---|---|---|---|---|
| Group equity movements FY2024 | |||||||
| Balance at 1 January 2024SGD thousand | 180,008 | 146,324 | 15,105 | (5,182) | 100,200 | 436,455 | PDF p. 97 |
| Profit for the yearSGD thousand | – | – | – | – | 36,340 | 36,340 | PDF p. 97 |
| Other comprehensive income for the year — netSGD thousand | – | – | – | 1,792 | – | 1,792 | PDF p. 97 |
| TotalSGD thousand | – | – | – | 1,792 | 36,340 | 38,132 | PDF p. 97 |
| Transfer to Regulatory Loss Allowance ReserveSGD thousand | – | – | – | – | – | – | PDF p. 97 |
| Transfer from accumulated profits to statutory reserveSGD thousand | – | 9,084 | – | – | (9,084) | – | PDF p. 97 |
| Final one-tier tax exempt dividend paid for financial year 2023 of 6.0 cents per shareSGD thousand | – | – | – | – | (14,186) | (14,186) | PDF p. 97 |
| Balance at 31 December 2024SGD thousand | 180,008 | 155,408 | 15,105 | (3,390) | 113,270 | 460,401 | PDF p. 97 |
Original report: PDF p. 97 ↗
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| Metric / unit | 2025CompanyShare capital | 2025CompanyStatutory reserve | 2025CompanyRegulatory Loss Allowance Reserve | 2025CompanyFair value reserve | 2025CompanyAccumulated profits | 2025CompanyTotal equity | Source |
|---|---|---|---|---|---|---|---|
| Company equity movements FY2025 | |||||||
| Balance at 1 January 2025SGD thousand | 180,008 | 155,408 | 15,105 | (3,542) | 112,876 | 459,855 | PDF p. 98 |
| Profit for the yearSGD thousand | – | – | – | – | 42,310 | 42,310 | PDF p. 98 |
| Other comprehensive income for the year — netSGD thousand | – | – | – | 8,737 | – | 8,737 | PDF p. 98 |
| TotalSGD thousand | – | – | – | 8,737 | 42,310 | 51,047 | PDF p. 98 |
| Transfer to Regulatory Loss Allowance ReserveSGD thousand | – | – | – | – | – | – | PDF p. 98 |
| Transfer from accumulated profits to statutory reserveSGD thousand | – | 10,578 | – | – | (10,578) | – | PDF p. 98 |
| Final one-tier tax exempt dividend paid for financial year 2024 of 6.5 cents per shareSGD thousand | – | – | – | – | (15,369) | (15,369) | PDF p. 98 |
| Balance at 31 December 2025SGD thousand | 180,008 | 165,986 | 15,105 | 5,195 | 129,239 | 495,533 | PDF p. 98 |
Original report: PDF p. 98 ↗
Units appear below each metric. Scroll to compare years
| Metric / unit | 2024CompanyShare capital | 2024CompanyStatutory reserve | 2024CompanyRegulatory Loss Allowance Reserve | 2024CompanyFair value reserve | 2024CompanyAccumulated profits | 2024CompanyTotal equity | Source |
|---|---|---|---|---|---|---|---|
| Company equity movements FY2024 | |||||||
| Balance at 1 January 2024SGD thousand | 180,008 | 146,324 | 15,105 | (5,337) | 99,810 | 435,910 | PDF p. 99 |
| Profit for the yearSGD thousand | – | – | – | – | 36,336 | 36,336 | PDF p. 99 |
| Other comprehensive income for the year — netSGD thousand | – | – | – | 1,795 | – | 1,795 | PDF p. 99 |
| TotalSGD thousand | – | – | – | 1,795 | 36,336 | 38,131 | PDF p. 99 |
| Transfer to Regulatory Loss Allowance ReserveSGD thousand | – | – | – | – | – | – | PDF p. 99 |
| Transfer from accumulated profits to statutory reserveSGD thousand | – | 9,084 | – | – | (9,084) | – | PDF p. 99 |
| Final one-tier tax exempt dividend paid for financial year 2023 of 6.0 cents per shareSGD thousand | – | – | – | – | (14,186) | (14,186) | PDF p. 99 |
| Balance at 31 December 2024SGD thousand | 180,008 | 155,408 | 15,105 | (3,542) | 112,876 | 459,855 | PDF p. 99 |
Original report: PDF p. 99 ↗
Units appear below each metric. Scroll to compare years
| Metric / unit | 2025Group | 2024Group | 2023Group | 2022Group | 2021Group | Source |
|---|---|---|---|---|---|---|
| Income | ||||||
| Total IncomeSGD thousand | 85,580 | 71,964 | 60,992 | 65,565 | 64,969 | PDF p. 80 |
| Profit | ||||||
| Profit before TaxSGD thousand | 50,848 | 43,678 | 39,813 | 44,070 | 37,319 | PDF p. 80 |
| Profit after TaxSGD thousand | 42,323 | 36,340 | 33,210 | 37,203 | 31,433 | PDF p. 80 |
| Share capital | ||||||
| Issued and Fully PaidSGD thousand | 180,008 | 180,008 | 180,008 | 180,008 | 180,008 | PDF p. 80 |
| Capital employed | ||||||
| Total AssetsSGD thousand | 3,495,765 | 3,443,207 | 3,412,383 | 3,109,956 | 2,920,103 | PDF p. 80 |
| Net AssetsSGD thousand | 496,133 | 460,401 | 436,455 | 414,819 | 405,765 | PDF p. 80 |
| Volume of business | ||||||
| LoansSGD thousand | 2,787,089 | 2,668,782 | 2,450,789 | 2,405,641 | 2,140,813 | PDF p. 80 |
| DepositsSGD thousand | 2,958,141 | 2,927,768 | 2,906,162 | 2,601,466 | 2,293,465 | PDF p. 80 |
| Dividend and earnings per share | ||||||
| Dividend (net) — One-tier Tax ExemptSGD thousand | 17,733 | 15,369 | 14,186 | 15,763 | 12,610 | PDF p. 80 |
| Dividend and earnings per share — source retrospective bonus adjustment | ||||||
| Dividend per Share (cents) — Restated*Singapore cents per share | 7.50 | 6.50 | 6.00 | 6.67 | 5.33 | PDF p. 80 |
| Earnings per Share (cents) — Restated*Singapore cents per share | 17.90 | 15.37 | 14.05 | 15.73 | 13.29 | PDF p. 80 |
| Return after tax | ||||||
| Return After Tax On Total Assets (%)Percent | 1.21 | 1.06 | 0.97 | 1.20 | 1.08 | PDF p. 80 |
| Return After Tax On Net Assets (%)Percent | 8.53 | 7.89 | 7.61 | 8.97 | 7.75 | PDF p. 80 |
| Source retrospective bonus adjustment | ||||||
| Net Tangible Asset Per Share ($) — Restated*SGD per share | 2.10 | 1.95 | 1.85 | 1.75 | 1.72 | PDF p. 80 |
| Employees | ||||||
| Number of EmployeesNumber | 187 | 183 | 169 | 165 | 155 | PDF p. 80 |
Original report: PDF p. 80 ↗
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| Metric / unit | 2025Group | 2024Group | Source |
|---|---|---|---|
| Note23 — EPS computation | |||
| Net profit attributable to ordinary shareholdersSGD thousand | 42,323 | 36,340 | PDF p. 166 |
| Number of ordinary sharesThousand shares | 236,439 | 236,439 | PDF p. 166 |
| Annualised earnings per shareSingapore cents per share | 17.90 | 15.37 | PDF p. 166 |
Original report: PDF p. 166 ↗
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| Metric / unit | 2025Group and Company | 2024Group and Company | Source |
|---|---|---|---|
| Issued and fully paid | |||
| At 1 January and 31 DecemberThousand shares | 236,439 | 236,439 | PDF p. 161 |
Original report: PDF p. 161 ↗
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| Metric / unit | 2025Group and Company | 2024Group and Company | Source |
|---|---|---|---|
| Issued and fully paid | |||
| At 1 January and 31 DecemberSGD thousand | 180,008 | 180,008 | PDF p. 161 |
Original report: PDF p. 161 ↗
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| Metric / unit | 2025Group | 2024Group | 2025Company | 2024Company | Source |
|---|---|---|---|---|---|
| Note18 — Reserves | |||||
| Statutory reserveSGD thousand | 165,986 | 155,408 | 165,986 | 155,408 | PDF p. 162 |
| Regulatory Loss Allowance ReserveSGD thousand | 15,105 | 15,105 | 15,105 | 15,105 | PDF p. 162 |
| Fair value reserveSGD thousand | 5,388 | (3,390) | 5,195 | (3,542) | PDF p. 162 |
| Accumulated profitsSGD thousand | 129,646 | 113,270 | 129,239 | 112,876 | PDF p. 162 |
| Note18 — Total reserves | |||||
| SubtotalSGD thousand | 316,125 | 280,393 | 315,525 | 279,847 | PDF p. 162 |
Original report: PDF p. 162 ↗
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| Metric / unit | 2025Company | 2024Company | Source |
|---|---|---|---|
| Sole wholly-owned nominee services subsidiary | |||
| Unquoted equity investments, at costSGD thousand | 25 | 25 | PDF p. 155 |
Original report: PDF p. 155 ↗
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| Metric / unit | 2025Group and Company | 2024Group and Company | Source |
|---|---|---|---|
| Paid 8 May 2025 for FY2024 and 10 May 2024 for FY2023; not proposed current-year rates | |||
| One-tier tax exempt dividend per share paid during the financial yearSingapore cents per share | 6.5 | 6.0 | PDF p. 167 |
Original report: PDF p. 167 ↗
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| Metric / unit | 2025Group and Company | Source |
|---|---|---|
| Subject to shareholder approval at AGM; not included as a liability | ||
| One-tier tax exempt dividend per share proposed for the current yearSingapore cents per share | 7.5 | PDF p. 167 |
Original report: PDF p. 167 ↗
Debt
| Item / unit | 2025Total | 2025Up to 1 month | 2025Over 1 to 3 months | 2025Over 3 to 12 months | 2025Over 1 to 5 years | 2025Over 5 years | Source |
|---|---|---|---|---|---|---|---|
| Liabilities | |||||||
| Borrowings from Enterprise Singapore (unsecured)$'000 | 751 | – | 36 | – | 715 | – | PDF p. 132 |
Liabilities based on contractual undiscounted cash flows (including interest payments) at the earliest dates the Group and Company can be required to pay.
| Item / unit | 2024Total | 2024Up to 1 month | 2024Over 1 to 3 months | 2024Over 3 to 12 months | 2024Over 1 to 5 years | 2024Over 5 years | Source |
|---|---|---|---|---|---|---|---|
| Liabilities | |||||||
| Borrowings from Enterprise Singapore (unsecured)$'000 | 1,332 | 19 | – | – | 1,313 | – | PDF p. 133 |
Liabilities based on contractual undiscounted cash flows (including interest payments).
| Item / unit | 2025Group and Company | 2024Group and Company | Source |
|---|---|---|---|
| Maturity analysis for lease liability | |||
| Year 1$'000 | 32 | 29 | PDF p. 160 |
| Year 2$'000 | 27 | 29 | PDF p. 160 |
| Year 3$'000 | 3 | 23 | PDF p. 160 |
| Year 4$'000 | 1 | – | PDF p. 160 |
| Less: Unearned interest$'000 | (3) | (6) | PDF p. 160 |
| Due within 12 months$'000 | 30 | 26 | PDF p. 160 |
| Due after 12 months$'000 | 30 | 49 | PDF p. 160 |
The weighted average lessee’s incremental borrowing rate applied to the lease liabilities recognised in the statements of financial position on 31 December 2025 and 2024 is 5%.
Undiscounted subtotal 63 (2025) / 81 (2024) and total lease liability 60 / 75 are unlabelled rows, omitted as rows.
Lease liabilities are included within Other liabilities (Group and Company: 60 and 75).
| Item / unit | 2025Group and Company | 2024Group and Company | Source |
|---|---|---|---|
| Borrowings from Enterprise Singapore | |||
| Due within 12 months$'000 | 36 | 19 | PDF p. 161 |
| Due after 12 months$'000 | 715 | 1,313 | PDF p. 161 |
| Total borrowings from Enterprise Singapore$'000 | 751 | 1,332 | PDF p. 161 |
These borrowings are unsecured.
Enterprise Singapore loans represent amounts advanced by Enterprise Singapore under the Local Enterprise Finance Scheme ("LEFS") and Extended Local Enterprise Finance Scheme ("ELEFS") to finance LEFS and ELEFS borrowers. The interest rates and repayment periods vary in accordance with the type, purpose and security of the facilities granted under the above schemes.
Total row has no printed label; label assigned by extractor.
Payout
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Profitability & Return | The Group aims to provide sustainable dividend returns to our shareholders within the regulatory parameters. In recommending dividends to shareholders for approval, the Board of Directors seeks to balance dividend pay-out with earnings retention to support business growth and ensure the Company has a strong capital position to absorb risks. | Group | PDF p. 54 |
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Annual dividend proposed of: 2025 | 7.5 cents per share | FY2025 first and final dividend, proposed | PDF p. 167 |
| Annual dividend proposed of: 2025 | $17,733,000 | FY2025 total dividend proposed | PDF p. 167 |
| a dividend of 6.5 cents per share | 6.5 cents per share | FY2024 dividend (comparative), paid 8 May 2025 | PDF p. 167 |
| FY2024 dividend payment date | 8 May 2025 | FY2024 dividend | PDF p. 167 |
| a dividend of 6.0 cents per share | 6.0 cents per share | FY2023 dividend, paid 10 May 2024 (earlier comparative) | PDF p. 167 |
| Dividend per Share (cents) – Restated* | 7.50 cents | Group, 2025 (comparative 2024: 6.50) | PDF p. 80 |
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Dividend (net) – One-tier Tax Exempt | 17,733 $'000 | Group, 2025 (2024: 15,369) | PDF p. 80 |
Extracted from Sing Investments & Finance Limited Annual Report 2025 and checked against the cited pages; see the original report for full context.
REIT, bank & sector ratios
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Net interest margin | 2.27% | Group, FY2025 (year ended 31 December 2025) vs FY2024: 1.99 | PDF p. 75 |
| Loans to deposits ratio | 94.2% | Group, FY2025 vs FY2024: 91.2 | PDF p. 75 |
| Non-performing loans ratio | 0.4% | Group, FY2025 vs FY2024: 0.2 | PDF p. 75 |
| Capital Adequacy Ratio | 15.2% | Group, FY2025 vs FY2024: 15.3 | PDF p. 75 |
Extracted from Sing Investments & Finance Limited Annual Report 2025 and checked against the cited pages; see the original report for full context.
Auditor’s report
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Engagement partner | Jeremy Phua | Group | PDF p. 92 |
| Auditor's report date | 23 February 2026 | Group · As at 2026-02-23 | PDF p. 92 |
| Opinion | In our opinion, the accompanying consolidated financial statements of the Group and the statement of financial position and statement of changes in equity of the Company are properly drawn up | Group and Company, year ended 31 December 2025 | PDF p. 87 |
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Loss allowances for Stage 3 credit-impaired loans and advances | As at 31 December 2025, the loss allowances for | Group · As at 2025-12-31 | PDF p. 89 |
Extracted from Sing Investments & Finance Limited Annual Report 2025 and checked against the cited pages; see the original report for full context.
Group and parent company or bank figures are labelled separately. Parentheses indicate negative amounts; a dash and NA retain the report’s notation.
Comparative figures follow Sing Investments & Finance Limited Annual Report 2025, including retrospective adjustments. Adjusted and reported earnings may have different definitions; refer to each statement’s notes.
Five-year comparisons follow the FY2025 annual report and cover FY2021–FY2025. Total Income is income before operating expenses, not gross interest revenue.
Dividend, earnings and net tangible assets per share for years before 2023 were retrospectively adjusted for 78,812,858 bonus shares issued on 19 May 2023. Printed adjusted values are retained.
Summary dividend for FY2025 is 17,733 thousand at 7.50 Singapore cents; the primary cashflow/equity dividend paid during FY2025 is 15,369 thousand for FY2024 at 6.5 cents. They represent different dividend periods; confirm the proposed dividend in Note 24.
Reported ROA/ROE numerically reconcile using profit after tax and closing assets/equity. This comparison is not a claim that the report explicitly defines those ratio formulas.
Note 24 distinguishes cash payments: 6.5 cents on 8 May 2025 for FY2024 and 6.0 cents on 10 May 2024 for FY2023. Proposed FY2025 dividend is 7.5 cents, subject to AGM approval and not recognised as a liability.
Note 23 shows 236,439 thousand ordinary shares; the 3 March 2026 shareholding statistics provide 236,438,622 exact shares. Original reporting precision and dates are retained.
Note 9 records Company investment at cost 25 thousand in the sole nominee-service subsidiary; the investment is eliminated from the Group statement.
Group and Company equity changes are both disclosed. Separate Company primary profit/OCI and cashflow statements are not disclosed. Cash and deposits are distinct from statutory MAS deposits and Singapore Government Securities.
These tables show the available extracted figures. The original annual report contains the full statements, notes and definitions.