Singapura Finance Ltd · SGX:S23
Singapura Finance — Shareholder Meeting (April 2026)
10 slides from Singapura Finance's shareholder meeting presentation, Apr 24, 2026
Slide 1: Singapura Finance Ltd Annual General Meeting FY2025
Singapura Finance Ltd Annual General Meeting FY2025 24 April 2026
Slide 2: FY2025 Loan Portfolio Overview
FY2025 Loan Portfolio Overview The Group’s loan portfolio grew to $1.17 billion, reflecting a 18.5% year-on-year growth from $989.78 million in FY2024. F Y2 02 4 L O AN P O RTF O L I O Yo Y G RO W TH F Y2 02 5 L O AN P O RTFO L I O $989.78m +$182.77m $1,172.55m As at 31 Dec 2024 ▲18.5% As at 31 Dec
Slide 3: FY2025 Deposit Portfolio Overview
FY2025 Deposit Portfolio Overview The Group’s deposit portfolio grew to $1.25 billion, reflecting a 20.7% year-on-year growth from $1.03 billion in FY2024. F Y2 02 4 D E P O S I T P O RTF O L I O Yo Y G RO W TH F Y2 02 5 D E P O S I T P O RTF O LI O $1,031.86m +$213.35m $1,245.22m As at 31 Dec 2024
Slide 4: Net Interest Margin & Asset Quality
FY2025 Net Interest Margin & Asset Quality NIM expanded by 21 basis points to 2.08%. NPL declined by 0.83% to 2.05%. Overall credit quality of the portfolio improved. NE T I N TE RE S T MAR G I N NO N- P E RF O R M I NG L O ANS ( % O F P O RTF O L I O ) 2.30% 4% 3.33% 2.10% 2.08% 3% 2.88% 2.00% 2.05
Slide 5: Financial Overview
FY2025 Financial Overview NPAT increased 50.2% to $9.15m, reflecting the 25.8% improvement in Net Interest Income (NII). INTEREST INCOME INTEREST EXPENSE NET INTEREST INCOME OPERATING EXPENSE NET PROFIT (NPAT) $56.74m $27.51m $29.24m $19.67m $9.15m ▲5.1% ▼10.5% ▲25.8% ▲19.9% ▲50.2% Singapura Finance
Slide 6: Financial Overview
FY2025 Financial Overview NPAT increased 50.2% to $9.15m, reflecting the 25.8% improvement in NII. YE AR -O N - Y E A R CO MP A RI S O N ( $ ’ m i l l i o n ) 60 FY2023 FY2024 FY2025 56.74 50 53.97 48.15 40 30 30.72 29.24 26.14 27.51 20 22.01 23.25 19.67 10 15.36 16.40 9.15 6.16 6.09 0 Interest Inco
Slide 7: Loan Portfolio Composition
FY2025 Loan Portfolio Composition Our loans portfolio is concentrated in Mortgage and Construction Loans. L O AN P O R TF O L I O MI X Shipping Others Syndicated Hire Purchase Block Discounting Mortgage $1,172m Construction Singapura Finance Ltd AGM 2026 Page 7
Slide 8: Report Card
FY2025 Report Card Grew our loan base to $1.17bn in a competitive deposit Market. Improved Net Interest Margins to 2.08% Improved margins and volume of loans Internet Banking and Vivid Card penetration • Grew loan base to $1.17Bn • Digital FD Renewals continued to grow • Property related loans form
Slide 9: Future Proofing
Future Proofing Key Build on loan growth while navigating geopolitical uncertainty. Drive digitalization, deposit strategies and brand recognition for next generation Continue to grow loan base and loan volume Push internet banking and deposit strategies • Continued focus on building our loan book a
Slide 10: Let's Achieve More Together
singapurafinance.com.sg Let’s Achieve More Together Singapura Finance Ltd