SIF - Sing Investments & Finance Ltd. reported FY 2025 net profit attributable to shareholders of SGD 42.32 million (+16%) on total income of SGD 85.58 million (+19%). Net interest income rose to SGD 75.28 million (+16%) and non-interest income increased to SGD 10.30 million (+41%), while operating expenses were SGD 30.20 million (+7%). Profit before income tax was SGD 50.85 million (+16%), and SIF recorded a net charge for credit losses of SGD 4.53 million in FY 2025. For H2 2025, net profit attributable to shareholders was SGD 20.63 million (+2%) and total income was SGD 44.78 million (+17%), with net interest income of SGD 39.67 million (+16%) and a credit loss charge of SGD 4.79 million. SIF ended FY 2025 with total assets of SGD 3.50 billion (+2%), loans and advances of SGD 2.79 billion (+4%) and customer deposits of SGD 2.96 billion (+1%). Key ratios included net interest margin of 2.27% (FY 2025), loans-to-deposits ratio of 94.2%, non-performing loans ratio of 0.4%, return on equity of 8.5%, and capital adequacy ratio of 15.2%. Net asset value per share was SGD 2.10, and annualised earnings per share were 17.90 cents. SIF’s board recommended a first and final cash dividend of 7.5 cents per share (one-tier tax exempt) for FY 2025, subject to shareholder approval at the next AGM. Management said expected credit loss allowances were increased following evaluation of potential risks amid uncertainties, while other comprehensive income for FY 2025 was SGD 8.78 million, attributed to fair value gains from bond and equity portfolios; the bond portfolio comprised Singapore Government Securities and MAS Bills held as liquidity reserves.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. SIF - Sing Investments & Finance Ltd. published the original content used to generate this news brief via Singapore Exchange Limited (SGX) (Ref. ID: USWB137101P8NCV9) on February 23, 2026, and is solely responsible for the information contained therein.