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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Singapura Finance
Singapura Finance (S23) investor relations material
Singapura Finance H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary7 Aug, 2026
Executive summary
H1 2026 profit after tax rose 76.2% YoY to $5.856m, supported by higher net interest income and lower operating expenses.
Profit before tax increased 77.0% to $7.007m, despite a $1.157m net impairment charge versus a $1.222m net write-back in H1 2025.
Financial highlights
Net interest income and hiring charges increased 31.6% to $17.537m; interest expense fell 39.1% to $9.068m.
Total income rose 33.0% to $18.129m; non-interest income increased 94.7% to $592,000, largely from higher loan processing fees.
Operating expenses decreased 8.5% to $9.965m; operating profit before allowances rose 198.4% to $8.164m.
Basic EPS increased to 7.38 cents from 4.19 cents; total comprehensive income fell 11.1% to $6.841m as FVOCI gains declined.
Outlook and guidance
No H1 dividend was declared or recommended; dividends are paid annually, subject to Board and shareholder review and approval.
Prudent outlook, pursuing growth opportunities while monitoring potential economic and geopolitical instability.
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Latest events from Singapura Finance
- Loan growth neared 20%, while margin pressure sharpened the focus on higher-yield lending.S23
Investor presentation - FY2024 plans target a $1b loan book with higher margins and deeper digitalization.S23Investor presentation
- Loan and deposit growth, stronger margins and 50.2% NPAT growth marked FY2025.S23Investor presentation
- Higher funding costs cut FY2023 profit 26.2%, despite rising interest income.S23H2 2023
- Higher funding costs and impairments cut H1 profit 30.1% to $2.758m.S23H1 2024
- Loan growth lifted interest income, but impairments and funding costs trimmed profit.S23H2 2024
- Profit rose 20.5% as loan growth and allowance write-backs offset higher costs.S23H1 2025
- Profit rose 50.2% as lending expanded, with uncertainty clouding the FY2026 outlook.S23H2 2025
Next Singapura Finance earnings date
H2 202619 Feb, 2027
Singapura Finance
Next Singapura Finance earnings date
H2 202619 Feb, 2027
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