Singapura Finance (S23) Investor presentation summary

Portfolio growth

• Loan portfolio reached $1,172.55m at 31 Dec 2025, up 18.5% YoY from $989.78m.

• Deposit portfolio reached $1,245.22m at 31 Dec 2025, up 20.7% YoY from $1,031.86m.

• Mortgage and construction loans were the main concentrations in the $1,172m portfolio.

Financial performance and asset quality

• Net interest margin rose 21 bps to 2.08% in FY2025, from 1.87% in FY2024.

• NPL ratio declined to 2.05% in FY2025 from 2.88% in FY2024; overall portfolio credit quality improved.

• Net interest income increased 25.8% to $29.24m; NPAT rose 50.2% to $9.15m.

• Interest income was $56.74m, up 5.1%; interest expense was $27.51m, down 10.5%; operating expense was $19.67m, up 19.9%.

FY2025 progress

• Loan growth priorities included expanding property-related lending, improving block discounting utilization and growing doctor loans at a measured pace.

• Digital and brand initiatives included a website revamp, brand refresh, continued growth in digital FD renewals and improving internet banking traction.

• Organic growth in Vivid Savings deposits supported deposit funding for loan growth.