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Financials

Credit Bureau Asia Limited Annual Report 2025

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Consolidated Profit or Loss and Other Comprehensive Income

21 metrics

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Consolidated Profit or Loss and Other Comprehensive Income from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Group	2024Group	Source
Consolidated Profit or Loss and Other Comprehensive Income
RevenueSGD	60,113,633	59,706,445	PDF p. 64
Other operating incomeSGD	792,557	664,554	PDF p. 64
Interest incomeSGD	1,048,360	1,333,344	PDF p. 64
Employee benefits expenseSGD	(14,661,553)	(14,536,243)	PDF p. 64
Write back for (Recognition of ) loss allowance on trade receivablesSGD	4,130	(1,068)	PDF p. 64
Depreciation and amortisation expenseSGD	(4,616,632)	(4,714,607)	PDF p. 64
Other operating expensesSGD	(13,120,098)	(13,015,718)	PDF p. 64
Finance costsSGD	(314,465)	(198,919)	PDF p. 64
Share of result of joint venturesSGD	976,489	1,301,025	PDF p. 64
Profit before taxSGD	30,222,421	30,538,813	PDF p. 64
Income tax expenseSGD	(5,157,598)	(5,061,065)	PDF p. 64
Profit for the yearSGD	25,064,823	25,477,748	PDF p. 64
Other comprehensive (loss) income: Item that may be reclassified subsequently to profit or loss Exchange differences on translation of foreign operationsSGD	(182,098)	259,139	PDF p. 64
Total comprehensive income for the yearSGD	24,882,725	25,736,887	PDF p. 64
Profit attributable to: Owners of the CompanySGD	10,740,775	11,238,746	PDF p. 64
Non-controlling interestsSGD	14,324,048	14,239,002	PDF p. 64
Profit attributable — totalSGD	25,064,823	25,477,748	PDF p. 64
Total comprehensive income attributable to: Owners of the CompanySGD	10,509,903	11,460,004	PDF p. 64
Non-controlling interestsSGD	14,372,822	14,276,883	PDF p. 64
Total comprehensive income attributable — totalSGD	24,882,725	25,736,887	PDF p. 64
Basic and diluted earnings per share (cents)SGD cents per share	4.68	4.88	PDF p. 64

Definitions & sources

Original report: PDF p. 64 ↗

Statements of Financial Position — assets

18 metrics

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Statements of Financial Position — assets from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Group	2024Group	2025Company	2024Company	Source
Statements of Financial Position — assets
Cash and bank balances — current assetsSGD	46,498,969	67,004,305	3,140,984	26,067,739	PDF p. 65
Trade receivablesSGD	5,662,569	6,463,239	-	-	PDF p. 65
Other receivables and deposits — current assetsSGD	717,497	360,748	4,418,595	4,199,406	PDF p. 65
Prepayment — current assetsSGD	1,943,419	1,234,186	4,393	4,335	PDF p. 65
Investments in financial assetsSGD	24,652,185	982,872	22,666,295	522	PDF p. 65
Tax recoverableSGD	91,577	82,244	-	-	PDF p. 65
Total current assetsSGD	79,566,216	76,127,594	30,230,267	30,272,002	PDF p. 65
Other receivables and deposits — non-current assetsSGD	230,926	414,597	2,413,425	2,367,127	PDF p. 65
Prepayment — non-current assetsSGD	419,117	379,949	-	-	PDF p. 65
Property, plant and equipmentSGD	2,963,005	3,634,944	-	-	PDF p. 65
Right-of-use assetsSGD	4,848,736	5,618,359	-	-	PDF p. 65
Intangible assetsSGD	2,163,932	2,107,063	-	-	PDF p. 65
Club membershipSGD	295,618	315,326	-	-	PDF p. 65
GoodwillSGD	7,715,050	7,715,050	-	-	PDF p. 65
Investments in subsidiariesSGD	-	-	8,149,744	8,149,744	PDF p. 65
Investments in joint venturesSGD	6,576,237	7,175,220	-	-	PDF p. 65
Total non-current assetsSGD	25,212,621	27,360,508	10,563,169	10,516,871	PDF p. 65
Total assetsSGD	104,778,837	103,488,102	40,793,436	40,788,873	PDF p. 65

Definitions & sources

Original report: PDF p. 65 ↗

Statements of Financial Position — liabilities and equity

21 metrics

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Statements of Financial Position — liabilities and equity from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Group	2024Group	2025Company	2024Company	Source
Statements of Financial Position — liabilities and equity
Trade and other payables — current liabilitiesSGD	6,632,056	7,697,168	43,133	34,385	PDF p. 66
Dividend payable to non-controlling interestsSGD	3,995,883	3,110,570	-	-	PDF p. 66
Lease liabilities — currentSGD	2,331,779	2,052,618	-	-	PDF p. 66
Deferred income — currentSGD	8,600,450	8,277,474	-	-	PDF p. 66
Income tax payableSGD	5,032,441	4,916,302	51,983	125,140	PDF p. 66
Total current liabilitiesSGD	26,592,609	26,054,132	95,116	159,525	PDF p. 66
Other payables — non-current liabilitiesSGD	229,299	-	-	-	PDF p. 66
Lease liabilities — non-currentSGD	2,903,450	4,039,683	-	-	PDF p. 66
Deferred income — non-currentSGD	97,596	137,908	-	-	PDF p. 66
Deferred tax liabilitiesSGD	573,495	564,264	-	-	PDF p. 66
Total non-current liabilitiesSGD	3,803,840	4,741,855	-	-	PDF p. 66
Share capitalSGD	35,051,183	35,051,183	35,051,183	35,051,183	PDF p. 66
Treasury sharesSGD	(945,685)	-	(945,685)	-	PDF p. 66
Merger reservesSGD	(442,221)	(442,221)	-	-	PDF p. 66
Other reservesSGD	(1,871,361)	(1,871,361)	-	-	PDF p. 66
Translation reservesSGD	(708,048)	(477,176)	-	-	PDF p. 66
Retained earningsSGD	21,032,806	19,500,765	6,592,822	5,578,165	PDF p. 66
Equity attributable to owners of the CompanySGD	52,116,674	51,761,190	40,698,320	40,629,348	PDF p. 66
Non-controlling interestsSGD	22,265,714	20,930,925	-	-	PDF p. 66
Total equitySGD	74,382,388	72,692,115	40,698,320	40,629,348	PDF p. 66
Total liabilities and equitySGD	104,778,837	103,488,102	40,793,436	40,788,873	PDF p. 66

Definitions & sources

Original report: PDF p. 66 ↗

Consolidated Cash Flows — operating and investing activities

27 metrics

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Consolidated Cash Flows — operating and investing activities from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Group	2024Group	Source
Consolidated Cash Flows — operating and investing activities
Profit before income taxSGD	30,222,421	30,538,813	PDF p. 70
Share of result of joint ventures — cash flow adjustmentSGD	(976,489)	(1,301,025)	PDF p. 70
Interest incomeSGD	(1,048,360)	(1,333,344)	PDF p. 70
Finance costsSGD	314,465	198,919	PDF p. 70
Unrealised foreign exchange loss (gain), netSGD	152,857	(204,036)	PDF p. 70
(Write back for) Recognition of loss allowance on trade receivablesSGD	(4,130)	1,068	PDF p. 70
Depreciation of property, plant and equipmentSGD	1,420,955	1,549,058	PDF p. 70
Depreciation of right-of-use assetsSGD	2,397,973	2,423,996	PDF p. 70
Amortisation of intangible assetsSGD	797,704	769,953	PDF p. 70
Property, plant and equipment written offSGD	359	6	PDF p. 70
Intangible assets written offSGD	-	12,800	PDF p. 70
Gain on lease terminationSGD	(1,219)	-	PDF p. 70
Operating cash flows before movements in working capitalSGD	33,276,536	32,656,208	PDF p. 70
Trade and other receivablesSGD	(130,160)	(938,188)	PDF p. 70
Trade and other payablesSGD	(686,097)	2,028,466	PDF p. 70
Deferred incomeSGD	260,756	(789,487)	PDF p. 70
Cash generated from operationsSGD	32,721,035	32,956,999	PDF p. 70
Interest receivedSGD	1,083,589	1,568,039	PDF p. 70
Income taxes paidSGD	(5,032,814)	(4,312,794)	PDF p. 70
Net cash from operating activitiesSGD	28,771,810	30,212,244	PDF p. 70
Dividends received from joint ventureSGD	1,315,474	1,247,912	PDF p. 70
Investment in a joint ventureSGD	-	(428,282)	PDF p. 70
Purchase of property, plant and equipmentSGD	(748,435)	(1,045,245)	PDF p. 70
Purchase of intangible assets (Note A)SGD	(817,508)	(548,607)	PDF p. 70
(Purchase) Redemption of financial assetsSGD	(23,669,313)	2,689,110	PDF p. 70
(Placement) Withdrawal of long-term depositsSGD	(3,819,176)	1,989,835	PDF p. 70
Net cash (used in) from investing activitiesSGD	(27,738,958)	3,904,723	PDF p. 70

Definitions & sources

Original report: PDF p. 70 ↗

Consolidated Cash Flows — financing and cash reconciliation

9 metrics

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Consolidated Cash Flows — financing and cash reconciliation from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Group	2024Group	Source
Consolidated Cash Flows — financing and cash reconciliation
Repayment of lease liabilitiesSGD	(2,484,203)	(2,110,747)	PDF p. 71
Interest on lease liabilitiesSGD	(314,465)	(198,919)	PDF p. 71
Dividends paidSGD	(21,361,454)	(20,605,350)	PDF p. 71
Purchase of treasury sharesSGD	(945,685)	-	PDF p. 71
Net cash used in financing activitiesSGD	(25,105,807)	(22,915,016)	PDF p. 71
Net (decrease) increase in cash and cash equivalentsSGD	(24,072,955)	11,201,951	PDF p. 71
Cash and cash equivalents at beginning of yearSGD	63,305,283	51,834,393	PDF p. 71
Effect of foreign exchange rate changes on the balance of cash held in foreign currenciesSGD	(64,744)	268,939	PDF p. 71
Cash and cash equivalents at end of year (Note 3.1)SGD	39,167,584	63,305,283	PDF p. 71

Definitions & sources

Original report: PDF p. 71 ↗

Cash and cash equivalents reconciliation — Note3.1

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Cash and cash equivalents reconciliation — Note3.1 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Group	2024Group	2025Company	2024Company	Source
Cash and cash equivalents reconciliation — Note3.1
Cash at bank and on handSGD	25,730,535	36,921,315	2,833,470	19,909,304	PDF p. 95
DepositsSGD	20,768,434	30,082,990	307,514	6,158,435	PDF p. 95
Cash and bank balancesSGD	46,498,969	67,004,305	3,140,984	26,067,739	PDF p. 95
Less: Deposit with maturity more than 3 monthsSGD	(7,181,125)	(3,361,949)	-	-	PDF p. 95
Less: Restricted cashSGD	(150,260)	(337,073)	-	-	PDF p. 95
Cash and cash equivalents in the statement of cash flowsSGD	39,167,584	63,305,283	3,140,984	26,067,739	PDF p. 95

Definitions & sources

Original report: PDF p. 95 ↗

Trade receivables — Note3.2

5 metrics

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Trade receivables — Note3.2 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Group	2024Group	Source
Trade receivables — Note3.2
Third partiesSGD	4,228,548	4,798,099	PDF p. 95
Non-controlling shareholders (Note 7.1)SGD	1,213,055	1,479,486	PDF p. 95
Joint venture (Note 7.1)SGD	221,333	190,151	PDF p. 95
Less: Loss allowanceSGD	(367)	(4,497)	PDF p. 95
Trade receivables — net totalSGD	5,662,569	6,463,239	PDF p. 95

Definitions & sources

Original report: PDF p. 95 ↗

Statements of Changes in Equity — Group FY2024

7 metrics

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Statements of Changes in Equity — Group FY2024 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2024GroupShare capital	2024GroupMerger reserves	2024GroupOther reserves	2024GroupTranslation reserves	2024GroupRetained earnings	2024GroupEquity attributable to owners	2024GroupNon-controlling interests	2024GroupTotal equity	Source
Statements of Changes in Equity — Group FY2024
Opening balance — 1 January 2024SGD	35,051,183	(442,221)	(1,871,361)	(698,434)	17,477,619	49,516,786	18,513,312	68,030,098	PDF p. 67
Profit for the yearSGD	-	-	-	-	11,238,746	11,238,746	14,239,002	25,477,748	PDF p. 67
Other comprehensive incomeSGD	-	-	-	221,258	-	221,258	37,881	259,139	PDF p. 67
Total comprehensive incomeSGD	-	-	-	221,258	11,238,746	11,460,004	14,276,883	25,736,887	PDF p. 67
Dividends — Note5.4SGD	-	-	-	-	(9,215,600)	(9,215,600)	(11,859,270)	(21,074,870)	PDF p. 67
Total transactions with ownersSGD	-	-	-	-	(9,215,600)	(9,215,600)	(11,859,270)	(21,074,870)	PDF p. 67
Closing balance — 31 December 2024SGD	35,051,183	(442,221)	(1,871,361)	(477,176)	19,500,765	51,761,190	20,930,925	72,692,115	PDF p. 67

Definitions & sources

Original report: PDF p. 67 ↗

Statements of Changes in Equity — Group FY2025

8 metrics

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Statements of Changes in Equity — Group FY2025 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025GroupShare capital	2025GroupTreasury shares	2025GroupMerger reserves	2025GroupOther reserves	2025GroupTranslation reserves	2025GroupRetained earnings	2025GroupEquity attributable to owners	2025GroupNon-controlling interests	2025GroupTotal equity	Source
Statements of Changes in Equity — Group FY2025
Opening balance — 1 January 2025SGD	35,051,183	-	(442,221)	(1,871,361)	(477,176)	19,500,765	51,761,190	20,930,925	72,692,115	PDF p. 68
Profit for the yearSGD	-	-	-	-	-	10,740,775	10,740,775	14,324,048	25,064,823	PDF p. 68
Other comprehensive loss/incomeSGD	-	-	-	-	(230,872)	-	(230,872)	48,774	(182,098)	PDF p. 68
Total comprehensive incomeSGD	-	-	-	-	(230,872)	10,740,775	10,509,903	14,372,822	24,882,725	PDF p. 68
Repurchase of shares — Note5.3SGD	-	(945,685)	-	-	-	-	(945,685)	-	(945,685)	PDF p. 68
Dividends — Note5.4SGD	-	-	-	-	-	(9,208,734)	(9,208,734)	(13,038,033)	(22,246,767)	PDF p. 68
Total transactions with ownersSGD	-	(945,685)	-	-	-	(9,208,734)	(10,154,419)	(13,038,033)	(23,192,452)	PDF p. 68
Closing balance — 31 December 2025SGD	35,051,183	(945,685)	(442,221)	(1,871,361)	(708,048)	21,032,806	52,116,674	22,265,714	74,382,388	PDF p. 68

Definitions & sources

Original report: PDF p. 68 ↗

Statements of Changes in Equity — Company FY2024

4 metrics

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Statements of Changes in Equity — Company FY2024 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2024CompanyShare capital	2024CompanyTreasury shares	2024CompanyRetained earnings	2024CompanyTotal equity	Source
Statements of Changes in Equity — Company
Opening balance — 1 January 2024SGD	35,051,183	-	4,813,527	39,864,710	PDF p. 69
Profit and total comprehensive incomeSGD	-	-	9,980,238	9,980,238	PDF p. 69
Dividends — Note5.4SGD	-	-	(9,215,600)	(9,215,600)	PDF p. 69
Closing balance — 31 December 2024 / opening balance FY2025SGD	35,051,183	-	5,578,165	40,629,348	PDF p. 69

Definitions & sources

Original report: PDF p. 69 ↗

Statements of Changes in Equity — Company FY2025

6 metrics

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Statements of Changes in Equity — Company FY2025 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025CompanyShare capital	2025CompanyTreasury shares	2025CompanyRetained earnings	2025CompanyTotal equity	Source
Statements of Changes in Equity — Company
Closing balance — 31 December 2024 / opening balance FY2025SGD	35,051,183	-	5,578,165	40,629,348	PDF p. 69
Profit and total comprehensive incomeSGD	-	-	10,223,391	10,223,391	PDF p. 69
Repurchase of shares — Note5.3SGD	-	(945,685)	-	(945,685)	PDF p. 69
Dividends — Note5.4SGD	-	-	(9,208,734)	(9,208,734)	PDF p. 69
Total transactions with ownersSGD	-	(945,685)	(9,208,734)	(10,154,419)	PDF p. 69
Closing balance — 31 December 2025SGD	35,051,183	(945,685)	6,592,822	40,698,320	PDF p. 69

Definitions & sources

Original report: PDF p. 69 ↗

Consolidated Profit or Loss and Other Comprehensive Income — as reported in FY2024 annual report

21 metrics

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Consolidated Profit or Loss and Other Comprehensive Income — as reported in FY2024 annual report from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2024Group	2023Group	Source
Consolidated Profit or Loss and Other Comprehensive Income — as reported in FY2024 annual report
RevenueSGD	59,706,445	54,169,834	PDF p. 62
Other operating incomeSGD	664,554	156,666	PDF p. 62
Interest incomeSGD	1,333,344	1,439,167	PDF p. 62
Employee benefits expenseSGD	(14,536,243)	(13,900,870)	PDF p. 62
(Recognition of ) Write back for loss allowance on trade receivablesSGD	(1,068)	2,109	PDF p. 62
Depreciation and amortisation expenseSGD	(4,714,607)	(4,356,293)	PDF p. 62
Other operating expensesSGD	(13,015,718)	(12,201,255)	PDF p. 62
Finance costsSGD	(198,919)	(127,532)	PDF p. 62
Share of result of joint venturesSGD	1,301,025	1,500,889	PDF p. 62
Profit before taxSGD	30,538,813	26,682,715	PDF p. 62
Income tax expenseSGD	(5,061,065)	(4,666,468)	PDF p. 62
Profit for the yearSGD	25,477,748	22,016,247	PDF p. 62
Other comprehensive income (loss): Item that may be reclassified subsequently to profit or loss Exchange differences on translation of foreign operationsSGD	259,139	(51,890)	PDF p. 62
Total comprehensive income for the yearSGD	25,736,887	21,964,357	PDF p. 62
Profit attributable to: Owners of the CompanySGD	11,238,746	9,841,731	PDF p. 62
Non-controlling interestsSGD	14,239,002	12,174,516	PDF p. 62
Profit attributable — totalSGD	25,477,748	22,016,247	PDF p. 62
Total comprehensive income attributable to: Owners of the CompanySGD	11,460,004	9,812,394	PDF p. 62
Non-controlling interestsSGD	14,276,883	12,151,963	PDF p. 62
Total comprehensive income attributable — totalSGD	25,736,887	21,964,357	PDF p. 62
Basic and diluted earnings per share (cents)SGD cents per share	4.88	4.27	PDF p. 62

Definitions & sources

Original report: PDF p. 62 ↗

Statements of Financial Position — assets — as reported in FY2024 annual report

18 metrics

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Statements of Financial Position — assets — as reported in FY2024 annual report from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2024Group	2023Group	2024Company	2023Company	Source
Statements of Financial Position — assets — as reported in FY2024 annual report
Cash and bank balances — current assetsSGD	67,004,305	57,337,262	26,067,739	22,547,560	PDF p. 60
Trade receivables — current assetsSGD	6,463,239	6,435,769	-	-	PDF p. 60
Other receivables and deposits — current assetsSGD	360,748	749,599	4,199,406	3,720,861	PDF p. 60
Prepayment — current assetsSGD	1,234,186	936,738	4,335	1,450	PDF p. 60
Investments in financial assets — current assetsSGD	982,872	3,671,982	522	3,671,982	PDF p. 60
Tax recoverable — current assetsSGD	82,244	60,861	-	-	PDF p. 60
Total current assetsSGD	76,127,594	69,192,211	30,272,002	29,941,853	PDF p. 60
Other receivables and deposits — non-current assetsSGD	414,597	-	2,367,127	2,654,660	PDF p. 60
Prepayment — non-current assetsSGD	379,949	-	-	-	PDF p. 60
Property, plant and equipment — non-current assetsSGD	3,634,944	4,555,939	-	-	PDF p. 60
Right-of-use assets — non-current assetsSGD	5,618,359	3,114,503	-	-	PDF p. 60
Intangible assets — non-current assetsSGD	2,107,063	2,315,433	-	-	PDF p. 60
Club membership — non-current assetsSGD	315,326	335,034	-	-	PDF p. 60
Goodwill — non-current assetsSGD	7,715,050	7,715,050	-	-	PDF p. 60
Investments in subsidiaries — non-current assetsSGD	-	-	8,149,744	7,433,198	PDF p. 60
Investments in joint ventures — non-current assetsSGD	7,175,220	6,495,185	-	-	PDF p. 60
Total non-current assetsSGD	27,360,508	24,531,144	10,516,871	10,087,858	PDF p. 60
Total assetsSGD	103,488,102	93,723,355	40,788,873	40,029,711	PDF p. 60

Definitions & sources

Original report: PDF p. 60 ↗

Statements of Financial Position — liabilities and equity — as reported in FY2024 annual report

19 metrics

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Statements of Financial Position — liabilities and equity — as reported in FY2024 annual report from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2024Group	2023Group	2024Company	2023Company	Source
Statements of Financial Position — liabilities and equity — as reported in FY2024 annual report
Trade and other payables — current liabilitiesSGD	7,697,168	5,877,727	34,385	42,458	PDF p. 61
Dividend payable to non-controlling interests — current liabilitiesSGD	3,110,570	2,641,050	-	-	PDF p. 61
Lease liabilities — current liabilitiesSGD	2,052,618	1,929,095	-	-	PDF p. 61
Deferred income — current liabilitiesSGD	8,277,474	9,177,775	-	-	PDF p. 61
Income tax payable — current liabilitiesSGD	4,916,302	4,100,453	125,140	122,543	PDF p. 61
Total current liabilitiesSGD	26,054,132	23,726,100	159,525	165,001	PDF p. 61
Lease liabilities — non-current liabilitiesSGD	4,039,683	1,346,101	-	-	PDF p. 61
Deferred income — non-current liabilitiesSGD	137,908	-	-	-	PDF p. 61
Deferred tax liabilities — non-current liabilitiesSGD	564,264	621,056	-	-	PDF p. 61
Total non-current liabilitiesSGD	4,741,855	1,967,157	-	-	PDF p. 61
Share capitalSGD	35,051,183	35,051,183	35,051,183	35,051,183	PDF p. 61
Merger reservesSGD	(442,221)	(442,221)	-	-	PDF p. 61
Other reservesSGD	(1,871,361)	(1,871,361)	-	-	PDF p. 61
Translation reservesSGD	(477,176)	(698,434)	-	-	PDF p. 61
Retained earningsSGD	19,500,765	17,477,619	5,578,165	4,813,527	PDF p. 61
Equity attributable to owners of the CompanySGD	51,761,190	49,516,786	40,629,348	39,864,710	PDF p. 61
Non-controlling interestsSGD	20,930,925	18,513,312	-	-	PDF p. 61
Total equitySGD	72,692,115	68,030,098	40,629,348	39,864,710	PDF p. 61
Total liabilities and equitySGD	103,488,102	93,723,355	40,788,873	40,029,711	PDF p. 61

Definitions & sources

Original report: PDF p. 61 ↗

Consolidated Cash Flows — operating and investing activities — as reported in FY2024 annual report

28 metrics

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Consolidated Cash Flows — operating and investing activities — as reported in FY2024 annual report from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2024Group	2023Group	Source
Consolidated Cash Flows — operating and investing activities — as reported in FY2024 annual report
Profit before income taxSGD	30,538,813	26,682,715	PDF p. 66
Share of result of joint venturesSGD	(1,301,025)	(1,500,889)	PDF p. 66
Interest incomeSGD	(1,333,344)	(1,439,167)	PDF p. 66
Finance costsSGD	198,919	127,532	PDF p. 66
Unrealised (gain) loss on foreign exchangeSGD	(204,036)	83,250	PDF p. 66
Recognition of (Write back for) loss allowance on trade receivablesSGD	1,068	(2,109)	PDF p. 66
Depreciation of property, plant and equipmentSGD	1,549,058	1,269,991	PDF p. 66
Depreciation of right-of-use assetsSGD	2,423,996	2,282,276	PDF p. 66
Amortisation of intangible assetsSGD	769,953	844,121	PDF p. 66
Property, plant and equipment written offSGD	6	787	PDF p. 66
Intangible assets written offSGD	12,800	-	PDF p. 66
Gain on lease terminationSGD	-	(1,038)	PDF p. 66
Operating cash flows before movements in working capitalSGD	32,656,208	28,347,469	PDF p. 66
Trade and other receivablesSGD	(938,188)	(874,989)	PDF p. 66
Trade and other payablesSGD	2,028,466	1,054,612	PDF p. 66
Related companiesSGD	-	(3,502)	PDF p. 66
Deferred incomeSGD	(789,487)	120,895	PDF p. 66
Cash generated from operationsSGD	32,956,999	28,644,485	PDF p. 66
Interest receivedSGD	1,568,039	1,384,247	PDF p. 66
Income taxes paidSGD	(4,312,794)	(3,910,005)	PDF p. 66
Net cash from operating activitiesSGD	30,212,244	26,118,727	PDF p. 66
Dividends received from joint ventureSGD	1,247,912	986,223	PDF p. 66
Investment in a joint ventureSGD	(428,282)	-	PDF p. 66
Purchase of property, plant and equipment (Note A)SGD	(1,045,245)	(854,932)	PDF p. 66
Purchase of intangible assets (Note A)SGD	(548,607)	(406,137)	PDF p. 66
Redemption of financial assetsSGD	2,689,110	17,736,414	PDF p. 66
Withdrawal (Placement) of long-term depositsSGD	1,989,835	(582,451)	PDF p. 66
Net cash from investing activitiesSGD	3,904,723	16,879,117	PDF p. 66

Definitions & sources

Original report: PDF p. 66 ↗

Consolidated Cash Flows — financing and cash reconciliation — as reported in FY2024 annual report

9 metrics

Units appear below each metric. Scroll to compare years

Consolidated Cash Flows — financing and cash reconciliation — as reported in FY2024 annual report from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2024Group	2023Group	Source
Consolidated Cash Flows — financing and cash reconciliation — as reported in FY2024 annual report
Repayment of lease liabilitiesSGD	(2,110,747)	(2,235,735)	PDF p. 67
Interest on lease liabilitiesSGD	(198,919)	(127,532)	PDF p. 67
Repayment to shareholdersSGD	-	(708,781)	PDF p. 67
Dividends paidSGD	(20,605,350)	(17,629,230)	PDF p. 67
Net cash used in financing activitiesSGD	(22,915,016)	(20,701,278)	PDF p. 67
Net change in cash and cash equivalentsSGD	11,201,951	22,296,566	PDF p. 67
Cash and cash equivalents at beginning of yearSGD	51,834,393	29,672,242	PDF p. 67
Effect of foreign exchange rate changes on the balance of cash held in foreign currenciesSGD	268,939	(134,415)	PDF p. 67
Cash and cash equivalents at end of year (Note 6)SGD	63,305,283	51,834,393	PDF p. 67

Definitions & sources

Original report: PDF p. 67 ↗

Consolidated Profit or Loss and Other Comprehensive Income — as reported in FY2022 annual report

21 metrics

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Consolidated Profit or Loss and Other Comprehensive Income — as reported in FY2022 annual report from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2022Group	2021Group	Source
Consolidated Profit or Loss and Other Comprehensive Income — as reported in FY2022 annual report
RevenueSGD	48,616,226	45,378,847	PDF p. 60
Other operating incomeSGD	367,777	1,202,358	PDF p. 60
Interest incomeSGD	543,737	140,585	PDF p. 60
Employee benefits expenseSGD	(12,614,671)	(12,018,060)	PDF p. 60
Write back for loss allowance on trade receivablesSGD	4,631	6,003	PDF p. 60
Depreciation and amortisation expenseSGD	(4,234,106)	(4,289,016)	PDF p. 60
Other operating expensesSGD	(11,105,394)	(9,755,744)	PDF p. 60
Finance costsSGD	(198,530)	(150,441)	PDF p. 60
Share of result of joint venturesSGD	1,472,229	1,182,705	PDF p. 60
Profit before taxSGD	22,851,899	21,697,237	PDF p. 60
Income tax expenseSGD	(3,566,167)	(3,642,441)	PDF p. 60
Profit for the yearSGD	19,285,732	18,054,796	PDF p. 60
Other comprehensive loss: Item that may be reclassified subsequently to profit or loss Exchange differences on translation of foreign operationsSGD	(322,648)	(260,856)	PDF p. 60
Total comprehensive income for the yearSGD	18,963,084	17,793,940	PDF p. 60
Profit attributable to: Owners of the CompanySGD	8,404,483	7,836,982	PDF p. 60
Non-controlling interestsSGD	10,881,249	10,217,814	PDF p. 60
Profit attributable — totalSGD	19,285,732	18,054,796	PDF p. 60
Total comprehensive income attributable to: Owners of the CompanySGD	8,088,385	7,574,902	PDF p. 60
Non-controlling interestsSGD	10,874,699	10,219,038	PDF p. 60
Total comprehensive income attributable — totalSGD	18,963,084	17,793,940	PDF p. 60
Basic and diluted earnings per share (cents)SGD cents per share	3.65	3.40	PDF p. 60

Definitions & sources

Original report: PDF p. 60 ↗

Statements of Financial Position — assets — as reported in FY2022 annual report

17 metrics

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Statements of Financial Position — assets — as reported in FY2022 annual report from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2022Group	2021Group	2022Company	2021Company	Source
Statements of Financial Position — assets — as reported in FY2022 annual report
Cash and bank balances — current assetsSGD	34,693,004	53,460,426	5,309,533	27,732,579	PDF p. 58
Trade receivables — current assetsSGD	5,651,730	5,336,191	-	-	PDF p. 58
Other receivables and deposits — current assetsSGD	671,467	1,272,867	5,454,787	4,634,790	PDF p. 58
Prepayment — current assetsSGD	883,489	721,474	14,329	26,347	PDF p. 58
Investments in financial assets — current assetsSGD	19,408,396	-	19,408,396	-	PDF p. 58
Tax recoverable — current assetsSGD	47,070	53,466	-	-	PDF p. 58
Total current assetsSGD	61,355,156	60,844,424	30,187,045	32,393,716	PDF p. 58
Property, plant and equipment — non-current assetsSGD	4,568,943	3,136,822	787	-	PDF p. 58
Right-of-use assets — non-current assetsSGD	3,436,627	3,791,816	-	-	PDF p. 58
Intangible assets — non-current assetsSGD	2,726,175	3,223,993	-	-	PDF p. 58
Club membership — non-current assetsSGD	354,742	374,450	-	-	PDF p. 58
Goodwill — non-current assetsSGD	7,715,050	7,715,050	-	-	PDF p. 58
Investments in subsidiaries — non-current assetsSGD	-	-	7,433,198	7,333,199	PDF p. 58
Investments in joint ventures — non-current assetsSGD	5,996,400	5,727,614	-	-	PDF p. 58
Investments in financial assets — non-current assetsSGD	2,000,000	-	2,000,000	-	PDF p. 58
Total non-current assetsSGD	26,797,937	23,969,745	9,433,985	7,333,199	PDF p. 58
Total assetsSGD	88,153,093	84,814,169	39,621,030	39,726,915	PDF p. 58

Definitions & sources

Original report: PDF p. 58 ↗

Statements of Financial Position — liabilities and equity — as reported in FY2022 annual report

19 metrics

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Statements of Financial Position — liabilities and equity — as reported in FY2022 annual report from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2022Group	2021Group	2022Company	2021Company	Source
Statements of Financial Position — liabilities and equity — as reported in FY2022 annual report
Trade and other payables — current liabilitiesSGD	4,528,929	4,184,342	38,098	27,891	PDF p. 59
Dividend payable to non-controlling interests — current liabilitiesSGD	2,347,600	-	-	-	PDF p. 59
Amounts due to shareholders — current liabilitiesSGD	708,781	708,781	-	-	PDF p. 59
Lease liabilities — current liabilitiesSGD	2,154,952	1,756,546	-	-	PDF p. 59
Deferred income — current liabilitiesSGD	9,086,853	8,615,910	-	-	PDF p. 59
Income tax payable — current liabilitiesSGD	3,613,082	3,420,373	53,684	48,641	PDF p. 59
Total current liabilitiesSGD	22,440,197	18,685,952	91,782	76,532	PDF p. 59
Lease liabilities — non-current liabilitiesSGD	1,396,865	2,328,323	-	-	PDF p. 59
Deferred tax liabilities — non-current liabilitiesSGD	327,610	507,682	-	-	PDF p. 59
Total non-current liabilitiesSGD	1,724,475	2,836,005	-	-	PDF p. 59
Share capitalSGD	35,051,183	35,051,183	35,051,183	35,051,183	PDF p. 59
Merger reservesSGD	(442,221)	(442,221)	-	-	PDF p. 59
Other reservesSGD	(1,871,361)	(1,871,361)	-	-	PDF p. 59
Translation reservesSGD	(669,097)	(352,999)	-	-	PDF p. 59
Retained earningsSGD	15,469,148	14,897,925	4,478,065	4,599,200	PDF p. 59
Equity attributable to owners of the CompanySGD	47,537,652	47,282,527	39,529,248	39,650,383	PDF p. 59
Non-controlling interestsSGD	16,450,769	16,009,685	-	-	PDF p. 59
Total equitySGD	63,988,421	63,292,212	39,529,248	39,650,383	PDF p. 59
Total liabilities and equitySGD	88,153,093	84,814,169	39,621,030	39,726,915	PDF p. 59

Definitions & sources

Original report: PDF p. 59 ↗

Consolidated Cash Flows — operating and investing activities — as reported in FY2022 annual report

28 metrics

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Consolidated Cash Flows — operating and investing activities — as reported in FY2022 annual report from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2022Group	2021Group	Source
Consolidated Cash Flows — operating and investing activities — as reported in FY2022 annual report
Profit before income taxSGD	22,851,899	21,697,237	PDF p. 64
Share of result of joint venturesSGD	(1,472,229)	(1,182,705)	PDF p. 64
Interest incomeSGD	(543,737)	(140,585)	PDF p. 64
Finance costsSGD	198,530	150,441	PDF p. 64
Unrealised gain on foreign exchangeSGD	89,100	18,900	PDF p. 64
Write back for loss allowance on trade receivablesSGD	(4,631)	(6,003)	PDF p. 64
Depreciation of property, plant and equipmentSGD	1,027,192	906,012	PDF p. 64
Depreciation of right-of-use assetsSGD	2,318,199	2,384,503	PDF p. 64
Amortisation of intangible assetsSGD	925,275	1,026,390	PDF p. 64
Property, plant and equipment written offSGD	48	2	PDF p. 64
Intangible assets written offSGD	1	-	PDF p. 64
Gain on disposal of a right-of-use assetSGD	-	(388)	PDF p. 64
Operating cash flows before movements in working capitalSGD	25,389,647	24,853,804	PDF p. 64
Trade and other receivablesSGD	(522,370)	198,943	PDF p. 64
Trade and other payablesSGD	454,420	(186,525)	PDF p. 64
Deferred incomeSGD	500,510	(990,787)	PDF p. 64
Cash generated from operationsSGD	25,822,207	23,875,435	PDF p. 64
Interest receivedSGD	543,737	140,585	PDF p. 64
Interest paidSGD	-	(1,636)	PDF p. 64
Income taxes paidSGD	(3,556,455)	(4,066,475)	PDF p. 64
Net cash from operating activitiesSGD	22,809,489	19,947,909	PDF p. 64
Dividends received from joint ventureSGD	1,528,706	526,318	PDF p. 64
Exchange difference due to transfer of joint venture within the GroupSGD	-	9,244	PDF p. 64
Purchase of property, plant and equipment (Note A)SGD	(2,499,512)	(2,060,072)	PDF p. 64
Purchase of intangible assetsSGD	(399,253)	(1,066,298)	PDF p. 64
Purchase of financial assetsSGD	(21,408,396)	-	PDF p. 64
(Placement) Withdrawal of long term depositsSGD	(777,334)	802,589	PDF p. 64
Net cash used in investing activitiesSGD	(23,555,789)	(1,788,219)	PDF p. 64

Definitions & sources

Original report: PDF p. 64 ↗

Consolidated Cash Flows — financing and cash reconciliation — as reported in FY2022 annual report

9 metrics

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Consolidated Cash Flows — financing and cash reconciliation — as reported in FY2022 annual report from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2022Group	2021Group	Source
Consolidated Cash Flows — financing and cash reconciliation — as reported in FY2022 annual report
Repayment of lease liabilitiesSGD	(2,496,062)	(2,520,248)	PDF p. 65
Interest on lease liabilitiesSGD	(198,530)	(148,805)	PDF p. 65
Repayment to shareholdersSGD	-	(560,576)	PDF p. 65
Dividends paidSGD	(15,919,275)	(14,594,120)	PDF p. 65
Net cash used in financing activitiesSGD	(18,613,867)	(17,823,749)	PDF p. 65
Net (decrease) increase in cash and cash equivalentsSGD	(19,360,167)	335,941	PDF p. 65
Cash and cash equivalents at beginning of yearSGD	49,148,941	48,835,686	PDF p. 65
Effect of foreign exchange rate changes on the balance of cash held in foreign currenciesSGD	(116,532)	(22,686)	PDF p. 65
Cash and cash equivalents at end of year (Note 6)SGD	29,672,242	49,148,941	PDF p. 65

Definitions & sources

Original report: PDF p. 65 ↗

Basic and diluted EPS calculation — Note2.7

4 metrics

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Basic and diluted EPS calculation — Note2.7 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Group	2024Group	Source
Basic and diluted EPS calculation — Note2.7
Basic earnings per shareSGD cents per share	4.68	4.88	PDF p. 94
Diluted earnings per shareSGD cents per share	4.68	4.88	PDF p. 94
Weighted average ordinary sharesshares	229,679,700	230,390,000	PDF p. 94
Profit attributable to equity holdersSGD	10,740,775	11,238,746	PDF p. 94

Definitions & sources

Original report: PDF p. 94 ↗

Financing-liability reconciliation — Group FY2025

2 metrics

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Financing-liability reconciliation — Group FY2025 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025GroupOpening balance — 1 January	2025GroupFinancing cash flows	2025GroupNew lease liabilities, net	2025GroupDividend declared	2025GroupFinance costs recognised	2025GroupClosing balance — 31 December	Source
Financing-liability reconciliation — Group FY2025
Lease liabilitiesSGD	6,092,301	(2,798,668)	1,627,131	-	314,465	5,235,229	PDF p. 71
Dividend payableSGD	3,110,570	(21,361,454)	-	22,246,767	-	3,995,883	PDF p. 71

Definitions & sources

Original report: PDF p. 71 ↗

Financing-liability reconciliation — Group FY2024

2 metrics

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Financing-liability reconciliation — Group FY2024 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2024GroupOpening balance — 1 January	2024GroupFinancing cash flows	2024GroupNew lease liabilities, net	2024GroupDividend declared	2024GroupFinance costs recognised	2024GroupClosing balance — 31 December	Source
Financing-liability reconciliation — Group FY2024
Lease liabilitiesSGD	3,275,196	(2,309,666)	4,927,852	-	198,919	6,092,301	PDF p. 71
Dividend payableSGD	2,641,050	(20,605,350)	-	21,074,870	-	3,110,570	PDF p. 71

Definitions & sources

Original report: PDF p. 71 ↗

Treasury shares — Note5.3

3 metrics

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Treasury shares — Note5.3 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Group and CompanyTreasury shares — number	2024Group and CompanyTreasury shares — number	2025Group and CompanyTreasury shares — SGD carrying amount	2024Group and CompanyTreasury shares — SGD carrying amount	Source
Treasury shares — Note5.3
Opening treasury sharesshares / SGD	-	-	-	-	PDF p. 115
Repurchased during yearshares / SGD	710,300	-	945,685	-	PDF p. 115
Closing treasury sharesshares / SGD	710,300	-	945,685	-	PDF p. 115

Definitions & sources

Original report: PDF p. 115 ↗

Company dividends paid — Note5.4

2 metrics

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Company dividends paid — Note5.4 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Company — payment year	2024Company — payment year	Source
Company dividends paid — Note5.4
Previous-year final dividend paidSGD	4,606,040	4,607,800	PDF p. 115
Current-year interim dividend paidSGD	4,602,694	4,607,800	PDF p. 115

Definitions & sources

Original report: PDF p. 115 ↗

Proposed final dividend for FY2025 — as disclosed in Note5.4

2 metrics

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Proposed final dividend for FY2025 — as disclosed in Note5.4 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Company — proposed for FY2025; not accrued	Source
Proposed final dividend for FY2025 — as disclosed in Note5.4
Proposed final dividend per shareSGD cents per share	2.2	PDF p. 115
Estimated proposed final dividendSGD	5,052,953	PDF p. 115

Definitions & sources

Original report: PDF p. 115 ↗

Cash and cash equivalents reconciliation — Note6 as reported in FY2024

6 metrics

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Cash and cash equivalents reconciliation — Note6 as reported in FY2024 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2024Group	2023Group	2024Company	2023Company	Source
Cash and cash equivalents reconciliation — Note6 as reported in FY2024
Cash at bank and on handSGD	36,921,315	20,367,141	19,909,304	1,021,755	PDF p. 88
DepositsSGD	30,082,990	36,970,121	6,158,435	21,525,805	PDF p. 88
Cash and bank balancesSGD	67,004,305	57,337,262	26,067,739	22,547,560	PDF p. 88
Less: deposit with maturity more than3monthsSGD	(3,361,949)	(5,351,784)	-	-	PDF p. 88
Less: restricted cashSGD	(337,073)	(151,085)	-	-	PDF p. 88
Cash and cash equivalentsSGD	63,305,283	51,834,393	26,067,739	22,547,560	PDF p. 88

Definitions & sources

Original report: PDF p. 88 ↗

Cash and cash equivalents reconciliation — Note6 as reported in FY2022

6 metrics

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Cash and cash equivalents reconciliation — Note6 as reported in FY2022 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2022Group	2021Group	2022Company	2021Company	Source
Cash and cash equivalents reconciliation — Note6 as reported in FY2022
Cash at bank and on handSGD	17,162,697	45,467,419	1,560,489	27,732,579	PDF p. 91
DepositsSGD	17,530,307	7,993,007	3,749,044	-	PDF p. 91
Cash and bank balancesSGD	34,693,004	53,460,426	5,309,533	27,732,579	PDF p. 91
Less: deposit with maturity more than3monthsSGD	(4,769,333)	(3,991,999)	-	-	PDF p. 91
Less: restricted cashSGD	(251,429)	(319,486)	-	-	PDF p. 91
Cash and cash equivalentsSGD	29,672,242	49,148,941	5,309,533	27,732,579	PDF p. 91

Definitions & sources

Original report: PDF p. 91 ↗

Company investment cost in subsidiaries — Note6.1

3 metrics

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Company investment cost in subsidiaries — Note6.1 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Company	2024Company	Source
Company investment cost in subsidiaries — Note6.1
Unquoted equity shares, at costSGD	8,149,744	7,433,198	PDF p. 116
Additions at costSGD	-	716,546	PDF p. 116
Closing investment in subsidiariesSGD	8,149,744	8,149,744	PDF p. 116

Definitions & sources

Original report: PDF p. 116 ↗

Group investment in joint ventures — Note6.2

6 metrics

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Group investment in joint ventures — Note6.2 from Credit Bureau Asia Limited Annual Report 2025
Metric / unit	2025Group	2024Group	Source
Group investment in joint ventures — Note6.2
Unquoted shares at costSGD	3,279,231	2,850,949	PDF p. 119
Additions at costSGD	-	428,282	PDF p. 119
Share of post-acquisition reservesSGD	12,959,934	11,983,445	PDF p. 119
Dividend received — cumulativeSGD	(8,780,963)	(7,465,489)	PDF p. 119
Foreign exchange differenceSGD	(881,965)	(621,967)	PDF p. 119
Closing investment in joint venturesSGD	6,576,237	7,175,220	PDF p. 119

Definitions & sources

Original report: PDF p. 119 ↗

Where the money comes from

Segment information

By business

Segment revenues and results by reportable segment 12 lines

Segment revenues and results by reportable segment
Item / unit	2025Non-financial institution data segment	2025Financial institution data segment	2025Total	2024Non-financial institution data segment	2024Financial institution data segment	2024Total	Source
Revenue
Sales of reports$	28,052,069	26,231,884	54,283,953	28,227,217	25,327,308	53,554,525	PDF p. 82 PDF p. 83
Others$	4,093,566	1,736,114	5,829,680	4,326,845	1,825,075	6,151,920	PDF p. 82 PDF p. 83
Segment results
Other operating income$	719,392	73,165	792,557	645,951	18,603	664,554	PDF p. 82 PDF p. 83
Interest income$	685,155	363,205	1,048,360	876,777	456,567	1,333,344	PDF p. 82 PDF p. 83
Employee benefits expense$	(9,033,832)	(5,627,721)	(14,661,553)	(8,829,837)	(5,706,406)	(14,536,243)	PDF p. 82 PDF p. 83
Write back for loss allowance on trade receivables$	4,130	-	4,130				PDF p. 82
Depreciation and amortisation expense$	(1,316,866)	(3,299,766)	(4,616,632)	(1,427,669)	(3,286,938)	(4,714,607)	PDF p. 82 PDF p. 83
Other operating expenses$	(8,248,407)	(4,871,691)	(13,120,098)	(8,398,187)	(4,617,531)	(13,015,718)	PDF p. 82 PDF p. 83
Finance costs$	(73,808)	(240,657)	(314,465)	(26,068)	(172,851)	(198,919)	PDF p. 82 PDF p. 83
Share of result of joint ventures$	-	976,489	976,489	-	1,301,025	1,301,025	PDF p. 82 PDF p. 83
Profit before tax$	14,881,399	15,341,022	30,222,421	15,393,961	15,144,852	30,538,813	PDF p. 82 PDF p. 83
Recognition of loss allowance on trade receivables$				(1,068)	-	(1,068)	PDF p. 83

Notes

Income tax expense and Profit for the year are printed only in the Total column.

Revenue reported represents revenue from external customers (p.83).

Revenue reported above represents revenue generated from external customers.

Segment assets, liabilities and other information 4 lines

Segment assets, liabilities and other information
Item / unit	2025Non-financial institution data segment	2025Financial institution data segment	2025Total	2024Non-financial institution data segment	2024Financial institution data segment	2024Total	Source
Segment assets$	65,969,891	38,717,369	104,687,260	63,603,142	39,802,716	103,405,858	PDF p. 84
Segment liabilities$	(17,330,867)	(7,459,646)	(24,790,513)	(15,305,149)	(10,010,272)	(25,315,421)	PDF p. 84
Other information
Additions of non-current assets$	2,021,575	1,217,748	3,239,323	344,080	5,761,928	6,106,008	PDF p. 84
Additions of non-current assets due to capital contribution to a joint venture company$				-	428,282	428,282	PDF p. 84

Notes

Tax recoverable, income tax payable, deferred tax liabilities and the unlabelled subtotals are printed only in the Total column. The subtotal rows have no printed label; labels are descriptors.

All assets, except tax recoverable, are allocated to reportable segments.

Tax recoverable, income tax payable, deferred tax liabilities and the unlabelled subtotals are printed only in the Total column. Subtotal labels are descriptors.

The label of the last row wraps over two lines: 'Additions of non-current assets due to capital contribution to a' / 'joint venture company'; the quote is the second line containing the values.

Information about major customers (customers contributing over 10% of Group revenue) 1 lines

Information about major customers (customers contributing over 10% of Group revenue)
Item / unit	2025Group	2024Group	Source
Major customers
Customer I (1)$	14,826,438	13,361,484	PDF p. 86

Notes

(1) Revenue is from segment of non-financial institution data and is from a non-controlling shareholder.

By geography

Geographical information 5 lines

Geographical information
Item / unit	2025Revenue	2025Profit (Loss) before tax	2025Non-current assets	2024Revenue	2024Profit (Loss) before tax	2024Non-current assets	Source
Singapore$	57,683,306	28,750,312	25,054,601	57,398,260	28,847,945	27,231,974	PDF p. 85
Malaysia$	2,430,327	288,162	158,020	2,308,185	156,494	128,534	PDF p. 85
Cambodia$	-	1,323,167	-	-	1,732,857	-	PDF p. 85
Myanmar$	-	(139,220)	-	-	(198,483)	-	PDF p. 85
Total$	60,113,633	30,222,421	25,212,621	59,706,445	30,538,813	27,360,508	PDF p. 85

Notes

Segment revenue, profit (loss) before tax and non-current assets are based on the entity's country of domicile (except for revenue of joint ventures, incorporated using the equity method).

The Group operates in four principal geographical areas – Singapore (country of domicile), Malaysia, Cambodia and Myanmar.

Same basis as the 2025 geographical table.

Debt

Borrowings

Lease liabilities maturity analysis

Lease liabilities maturity analysis
Item / unit	2025Group	2024Group	Source
Maturity analysis
Year 1$	2,531,880	2,300,617	PDF p. 101
Year 2$	1,544,611	1,986,136	PDF p. 101
Year 3$	896,436	987,343	PDF p. 101
Year 4$	618,073	753,012	PDF p. 101
Year 5$	7,450	600,850	PDF p. 101
Less: Unearned interest$	(363,221)	(535,657)	PDF p. 101
Analysed as
Current$	2,331,779	2,052,618	PDF p. 101
Non-current$	2,903,450	4,039,683	PDF p. 101

Notes

The undiscounted total of 5,598,450 (2024: 6,627,958) and net lease liabilities of 5,235,229 (2024: 6,092,301) are printed as unlabelled subtotal lines.

Weighted average of incremental borrowing rate applied to lease liabilities is 5% (2024: 5%).

The Group recognised lease interest expense of $314,465 (2024: $198,919) during the year ended 31 December 2025.

The Group does not face a significant liquidity risk with regards to its lease liabilities.

Payout

Dividends & distributions

Dividend policy

Item	Value	Period / scope	Source
Dividend policy	The Company does not have a fixed dividend policy.	Company	PDF p. 54
Dividend policy - intended payout	For FY2025 and subsequent financial years, the Board intends to pay out at least 90% of dividend income received from subsidiaries and associates.	Company	PDF p. 54

Dividends declared and proposed

Item	Value	Period / scope	Source
interim dividend	2 cents per share	FY2025 interim, paid 29 August 2025	PDF p. 115
final dividend	2.2 cents per share	FY2025 final, proposed	PDF p. 115
proposed final dividend record date	6 May 2026	FY2025 final, proposed	PDF p. 115
total dividend payout for FY2025	4.2 Singapore cents per share	FY2025 total (interim 2 + proposed final 2.2)	PDF p. 5
interim dividend	2 cents per share	FY2024 interim (comparative), paid 30 August 2024	PDF p. 115

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

Auditor’s report

Audit & risk signals

Audit opinion

Item	Value	Period / scope	Source
Audit firm	Deloitte & Touche LLP	Group	PDF p. 63
Engagement partner	Hoe Chi-Hsien	Group	PDF p. 63
Opinion	properly drawn up in accordance with the provisions of the Companies Act 1967 (the “Act”) and Singapore Financial Reporting Standards (International) (“SFRS(I)s”) so as to give a true and fair view	Group and Company	PDF p. 60

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

How to read these figures

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 Credit Bureau Asia Limited Annual Report 2025, including retrospective adjustments. Adjusted and reported earnings may have different definitions; refer to each statement’s notes.

Amounts are Singapore dollars, EPS is SGD cents and share counts are whole shares. Treasury tables distinguish share quantities from SGD carrying amounts. FY 2021–2025 figures follow their linked FY 2025, FY 2024 and FY 2022 originals; Group and Company scopes remain separate.

Group and Company equity movements cover FY 2024/FY 2025, with the new FY 2025 treasury-share component retained. FY 2024 SGD 28,400 of right-of-use depreciation is classified as employee compensation; it is excluded when comparing the separate income-statement depreciation line. Cash equivalents exclude deposits over three months and restricted cash, without subtracting pledged deposits again.

Company ordinary dividends paid inFY 2025 totalSGD 9,208,734; Group cash dividends also include non-controlling interests. The report proposes a FY 2025 final 2.2cents, estimatedSGD 5,052,953, subject to shareholder approval and excluded from liabilities. This records the proposal as disclosed, without asserting subsequent approval/payment.

The Board states an intention fromFY 2025 to distribute at least 90% of dividend income from subsidiaries/associates, rather than a percentage of Group earnings. It also states that this intention is non-binding and it has no fixed dividend policy. Company investment cost in subsidiaries differs from Group equity-method joint-venture carrying amounts.

These tables show the available extracted figures. The original annual report contains the full statements, notes and definitions.