Sing Investments & Finance Limited · SGX:S35
Sing Investments & Finance — Investor Presentation (June 2026)
23 slides from Sing Investments & Finance's investor presentation, June 2026
Slide 1: Corporate Presentation
Corporate Presentation June 2026
Slide 2: Agenda
1. About Us 2. What Set Us Apart AGENDA 3. Financial Highlights 4. In Trusted Hands 5. Growth Strategy 6. Q&A 2
Slide 3: Legal Disclaimer
Legal Disclaimer This presentation and the information contained herein does not constitute or form any part of any offer or invitation to exchange, sell or issue, or any solicitation of any offer to exchange, subscribe for or purchase any securities of Sing Investments & Finance Limited (the “Compa
Slide 4: About Us
About Us Bridging Futures Together At SingFinance, we see the possibilities within every dream. Whether it is a new home, a business venture, or a new project you are envisioning. None are too big or too small. Because we believe in them. We see your future as our very own.
Slide 5: Our Journey & History
1 About Us Our Journey & History Growing from a small finance company to a resilient financial institution Corporate Cheques & COs Corporate App 2018 2022 Secured, reliable payment solutions SIF BIZ Mobile Retail App & Payment Solutions Brand Refresh 2019 2024 SIF Mobile, MEPS+ & FAST New corporate
Slide 6: Our Profile
1 About Us Our Profile Remaining rooted in our SME heritage, maintaining an entrepreneur, agile spirit with strong cost discipline Sincerity ▪ Publicly listed on the Main Board of Singapore Stock Exchange since 1983 ▪ Licensed under Finance Companies Act 1967 and regulated by Monetary Authority of S
Slide 7: Our Products
1 About Us Our Products A leading finance company in Singapore with a comprehensive suite of products to serve SME and retail customers SME/Corporate Financing Personal Financing Deposits e-Services ▪ Commercial Property Loan ▪ Housing Loan ▪ Fixed Deposit Account ▪ SIF Mobile App ▪ Land & Construct
Slide 8: Our Loans
1 About Us Our Loans Strong customer franchise & resilient loan portfolio that deliver superior returns Loan Concentration by Sector Resilient portfolio that delivers strong returns ▪ Predominantly collateralised, Singapore-focused portfolio with strong resilience through the cycles Hire Purchase /
Slide 9: Our Deposits
1 About Us Our Deposits A well-diversified & cost-efficient funding structure that powers our business, supporting scalable growth and resilient margins Maturities of Deposits Diverse, stable and lower-cost funding for our business ▪ Diverse retail & business deposit products ▪ Direct access to cust
Slide 10: Our e-Services
1 About Us Our e-Services A strategic shift to be a digitally-enabled business partner for customers, executed in a cost-efficient manner Interbank One Device GIRO Multiple Organisations Endless Possibilities ▪ Leveraging proven solutions and timing adoption to avoid heavy upfront investment while a
Slide 11: Our Properties
1 About Us Our Properties Strategically located across Singapore, supporting business growth while delivering resilient and sustainable rental income Our Head Office at The Heart of CBD Our Premises Freehold or Tenure Total Floor Area Purpose Leasehold (Square Meters) 17-storey office building Freeh
Slide 12: What Set Us Apart
What Set Us Apart Sincerity At the heart of our unparalleled service is Sincerity. We serve with utmost sincerity and approach every customer’s needs with a listening ear. We understand and strive to bring the best to every customer.
Slide 13: Cost & Margin
2 What Set Us Apart Cost & Margin Deep-rooted customer relationships, a profitable franchise & stable funding base built over 60 years Net Interest Margin Cost of Fund A profitable franchise with long-standing customer relationships Diverse deposit base with efficiency, stability and scalability 2.3
Slide 14: Asset Quality & Cost Management
2 What Set Us Apart Asset Quality & Cost Management Robust asset quality with strong collateral backing & rigorous cost management Non-performing Loans Ratio Cost Income Ratio Strong asset portfolio predominantly backed by collateral Disciplined cost management that contains business inflation 1.7%
Slide 15: Financial Highlights
Financial Highlights Integrity Integrity underscores all our business dealings and is a core value we hold dear. It is the very heart and foundation we have built over the years to galvanize the trust bestowed on us. It is what gives our customers the peace of mind and is a value we will continue to
Slide 16: Sustainable Growth
3 Financial Highlights Sustainable Growth A decade of consistent growth, reflecting the strength and resilience of our business model $55.4m +11% 10-year CAGR $21.8m Profit Before Tax & Allowances A consistent, steady growth through the cycles and new milestones amid uncertainties 2016 2017 2018 201
Slide 17: Strong Fundamentals
3 Financial Highlights Strong Fundamentals Robust financial position, consistent growth, healthy margins and sustainable earnings Price Price Earning Earning Ratio Ratio Price Price BookBook Ratio Ratio 2021 7.4 2021 57% 2022 6.4 2022 57% 2023 7.1 2023 54% 2024 6.9 2024 54% 2025 8.9 2025 76% Dividen
Slide 18: In Trusted Hands
In Trusted Hands Flexibility Flexibility is a trait we abide by in our service. With SingFinance’s rich history and strong heritage as a trusted financial institution, we are well placed to offer a dynamic alignment of flexible financing solutions to meet every customer’s needs.
Slide 19: Accolades & Recognitions
4 In Trusted Hands Accolades & Recognitions Underscoring our belief that strong corporate governance is the cornerstone of sustainable long-term growth For the past 12 years 2023 Singapore Governance & Transparency Index Singapore Corporate Awards (in the less than $300 million market capitalisation
Slide 20: Accolades & Recognitions
4 In Trusted Hands Accolades & Recognitions Underscoring our belief that strong corporate governance is the cornerstone of sustainable long-term growth 2021 2017 Singapore Corporate Awards (in the less than $300 million market capitalisation SIAS Investors’ Choice Awards category) • Singapore Corpor
Slide 21: Growth Strategy
Growth Strategy Unwavering Commitment to Finance Unfaltering. The same people that have been making finance truly work for you since 1964
Slide 22: Growth Catalysts
5 Growth Strategy Growth Catalysts Key factors that we believe will sustain SingFinance’s growth amid uncertainties SME Growth ▪ Singapore’s SME sector continues to expand, increasing demand for corporate financing ▪ Our modest market shares present headroom for growth, which we will pursue in a mea
Slide 23: Q&A
lo ws: SingFinance Q&A
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