SGX:O39 Income Statement

Financials in millions SGD. Fiscal year is January - December.

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	-	20,076	22,444	20,867	11,590	7,425
Interest Income on Investments	-	-	-	-	-	113
Total Interest Income	-	20,076	22,444	20,867	11,590	7,538
Interest Paid on Deposits	-	10,926	12,689	11,222	3,902	1,570
Net Interest Income	9,027	9,150	9,755	9,645	7,688	5,968
Net Interest Income Growth (YoY)	-6.58%	-6.20%	1.14%	25.45%	28.82%	-1.26%
Income From Trading Activities	1,722	1,684	1,537	1,004	929	763
Gain (Loss) on Sale of Assets	81	81	36	71	99	107
Gain (Loss) on Sale of Investments	58	58	24	47	-206	92
Other Non-Interest Income	3,899	3,641	3,121	2,740	2,776	3,666
Total Non-Interest Income	5,760	5,464	4,718	3,862	3,598	4,628
Non-Interest Income Growth (YoY)	19.03%	15.81%	22.17%	7.34%	-22.26%	13.02%
Revenues Before Loan Losses	14,787	14,614	14,473	13,507	11,286	10,596
Provision for Loan Losses	669	665	690	733	584	873
Revenue	14,118	13,949	13,783	12,774	10,702	9,723
Revenue Growth (YoY)	2.54%	1.20%	7.90%	19.36%	10.07%	20.10%
Salaries and Employee Benefits	3,845	3,845	3,775	3,440	3,153	2,955
Amortization of Goodwill & Intangibles	21	21	59	103	104	103
Selling, General & Administrative	242	242	263	61	80	225
Other Non-Interest Expense	1,885	1,795	1,704	1,722	1,605	1,584
Total Non-Interest Expense	4,878	4,826	4,807	4,373	4,032	4,043
EBT Excluding Unusual Items	9,240	9,123	8,976	8,401	6,670	5,680
Pretax Income	9,240	9,123	8,976	8,401	6,670	5,680
Income Tax Expense	1,589	1,563	1,228	1,236	1,031	648
Earnings From Continuing Operations	7,651	7,560	7,748	7,165	5,639	5,032
Minority Interest in Earnings	-138	-138	-161	-144	-113	-174
Net Income	7,513	7,422	7,587	7,021	5,526	4,858
Preferred Dividends & Other Adjustments	85	85	64	66	-	46
Net Income to Common	7,428	7,337	7,523	6,955	5,526	4,812
Net Income Growth	0.33%	-2.17%	8.06%	27.05%	13.75%	35.47%
Basic Shares Outstanding	4,490	4,495	4,497	4,495	4,530	4,489
Diluted Shares Outstanding	4,490	4,498	4,500	4,498	4,530	4,494
Shares Change (YoY)	-	-0.04%	0.04%	-0.70%	0.79%	1.65%
EPS (Basic)	1.65	1.63	1.67	1.55	1.22	1.07
EPS (Diluted)	1.65	1.63	1.67	1.55	1.22	1.07
EPS Growth	-	-2.40%	7.93%	26.83%	14.02%	33.86%
Dividend Per Share	-	0.830	0.850	0.820	0.680	0.530
Dividend Growth	-	-2.35%	3.66%	20.59%	28.30%	66.67%
Effective Tax Rate	17.20%	17.13%	13.68%	14.71%	15.46%	11.41%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.