Singapura Finance (S23) Investor presentation summary
Event summary combining transcript, slides, and related documents.
Investor presentation summary
4 Nov, 2026Financial performance
FY2023 revenue 48,150 vs 34,078 in FY2022; interest expense 26,144 vs 26,219, amid inflation and geopolitical uncertainty.
Net interest revenue 22,006 vs 7,859; total operating expenses 15,362 vs 15,427; NPAT 8,344 vs 6,156, FY2023 vs FY2022.
Loan portfolio
Mortgage loans form the largest portfolio segment and carry lower interest margins.
FY2024 priorities
Target a $1b loan book while improving margins, growing higher-margin lending and increasing utilization of loan facilities.
Pursue syndication, block discounting, car loans, land and construction lending; revive older products.
Grow FD deposits and CASA to lower cost of funds; continue Internet Banking, Vivid Card, Vivid Savings and online FD initiatives.
Improve branding and digital presence, digitize processes and refocus staff efforts on revenue generation.
Latest events from Singapura Finance
- Loan growth neared 20%, while margin pressure sharpened the focus on higher-yield lending.S23
Investor 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
- Profit after tax rose 76.2% as net interest income surged despite higher impairment charges.S23H1 2026