Singapura Finance Income Statement

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

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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 and Dividend Income	56.74	53.97	48.15	34.08	29.62
Total Interest Expense	28.18	31.22	26.69	8.15	5.43
Net Interest Income	28.56	22.75	21.46	25.93	24.2
Commissions and Fees	0.46	0.54	0.48	0.3	0.37
Revenue Before Loan Losses	29.02	23.29	21.94	26.23	24.57
Provision for Loan Losses	-0.58	0.49	0.05	1.42	1.18
Revenue	29.6	22.8	21.89	24.81	23.39
Revenue Growth (YoY)	29.85%	4.16%	-11.79%	6.10%	44.99%
Salaries & Employee Benefits	10.69	9.35	8.33	9.11	8.02
Cost of Services Provided	2.04	1.7	-	-	-
Other Operating Expenses	4.06	2.99	4.64	4.23	3.19
Total Operating Expenses	18.68	15.46	14.37	14.67	12.41
Operating Income	10.92	7.34	7.52	10.14	10.98
EBT Excluding Unusual Items	10.92	7.34	7.52	10.14	10.98
Gain (Loss) on Sale of Investments	0.04	-	-	-	-
Other Unusual Items	-	-	-	-	0.55
Pretax Income	10.98	7.34	7.52	10.13	11.53
Income Tax Expense	1.83	1.24	1.37	1.79	1.92
Net Income	9.15	6.09	6.16	8.34	9.62
Net Income to Common	9.15	6.09	6.16	8.34	9.62
Net Income Growth	50.16%	-1.01%	-26.22%	-13.25%	101.80%
Shares Outstanding (Basic)	159	159	159	159	159
Shares Outstanding (Diluted)	159	159	159	159	159
EPS (Basic)	0.06	0.04	0.04	0.05	0.06
EPS (Diluted)	0.06	0.04	0.04	0.05	0.06
EPS Growth	50.18%	-1.02%	-26.22%	-13.23%	102.00%
Free Cash Flow	18.98	2.36	16.57	50.95	-3.97
Free Cash Flow Per Share	0.12	0.01	0.10	0.32	-0.03
Dividend Per Share	0.020	0.020	0.020	0.020	0.020
Dividend Growth	-	-	-	-	33.33%
Operating Margin	36.90%	32.18%	34.36%	40.86%	46.95%
Profit Margin	30.91%	26.73%	28.13%	33.63%	41.13%
Free Cash Flow Margin	64.12%	10.34%	75.69%	205.36%	-16.98%
Effective Tax Rate	16.68%	16.94%	18.15%	17.62%	16.61%