Sing Investments & Finance Limited on Apr, 14 2026 released detailed responses to queries from the Securities Investors Association (Singapore) regarding its results for the year ended Dec, 31 2025.

The finance company reported a record net profit of 42.3 million Singapore dollars, up 16% year-on-year, driven by a 4% expansion in its loan book to 2.79 billion Singapore dollars and a 28-basis-point rise in net interest margin to 2.27%. Management attributed the margin improvement to disciplined deposit pricing, lower funding costs and an efficiently managed loan-deposit ratio in a declining interest-rate environment. It cautioned, however, that rising deposit costs could compress margins in the second half of 2026 as market rates stabilise and geopolitical tensions influence inflation.

Stage 3 credit-impaired assets totalled 10.3 million Singapore dollars, or 0.4% of total loans. All impaired loans are either collateralised or risk-shared with a statutory board, and provisions fully cover net exposures. The majority of these loans relate to property mortgages and working-capital facilities extended to sectors such as general commerce, financial activities and professional services.

On sustainability, Sing Investments & Finance said it has introduced green financing initiatives, including packages for electric-vehicle purchases and working-capital loans for SME solar projects. While adoption remains modest, credit performance and margins are comparable with the broader portfolio. The company has provided ESG training since 2024 to embed sustainability risk assessment within its existing business lines.

The board proposed a dividend of 7.5 Singapore cents per share, representing a payout ratio of about 42%—in line with recent years. With a capital adequacy ratio of 15.2%, or 3.2 percentage points above the regulatory minimum, the board does not plan share buybacks or special dividends for now, preferring to retain capital to support future loan growth.