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Price: 18.73 SGD -1%

Market Cap: 84.6B SGD

Income Statement

Net Interest Income

Non Interest Income

Currency: SGD

		Jun-2004	Sep-2004	Dec-2004	Mar-2005	Jun-2005	Sep-2005	Dec-2005	Mar-2006	Jun-2006	Sep-2006	Dec-2006	Mar-2007	Jun-2007	Sep-2007	Dec-2007	Mar-2008	Jun-2008	Sep-2008	Dec-2008	Mar-2009	Jun-2009	Sep-2009	Dec-2009	Mar-2010	Jun-2010	Sep-2010	Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Jun-2020	Dec-2020	Jun-2021	Dec-2021	Jun-2022	Dec-2022	Jun-2023	Dec-2023	Jun-2024	Dec-2024	Jun-2025
Revenue
Net Interest Income		1 472	1 497	1 518	1 516	1 543	1 573	1 597	1 629	1 657	1 716	1 794	1 907	2 030	2 123	2 244	2 375	2 495	2 613	2 783	2 885	2 917	2 921	2 825	2 789	2 799	2 865	2 947	3 027	3 134	3 254	3 410	3 576	3 680	3 750	3 748	3 709	3 739	3 773	3 883	4 058	4 223	4 491	4 736	4 898	5 054	5 125	5 189	5 247	5 225	5 142	5 052	5 017	5 102	5 250	5 423	5 566	5 671	5 794	5 890	6 009	6 147	6 242	6 331	6 318	5 966	5 759	5 855	6 156	7 688	9 212	9 645	9 785	9 755	9 516
Interest Income		2 402	2 472	2 560	2 674	2 932	3 194	3 470	3 738	3 961	4 239	4 516	4 800	5 003	5 130	5 265	5 332	5 316	5 301	5 267	5 083	4 850	4 537	4 184	4 057	4 058	4 193	4 363	4 535	4 764	5 017	5 320	5 630	5 845	5 965	5 968	5 924	5 949	6 005	6 174	6 423	6 675	7 143	7 607	8 008	8 337	8 442	8 486	8 535	8 524	8 453	8 368	8 329	8 476	8 749	9 118	9 511	9 980	10 501	11 049	11 552	11 922	12 138	12 098	11 234	9 143	7 625	7 425	7 878	11 590	17 272	20 867	22 251	22 444	21 618
Interest Expense		929	974	1 043	1 158	1 389	1 621	1 873	2 109	2 304	2 523	2 722	2 893	2 973	3 007	3 021	2 957	2 821	2 688	2 484	2 198	1 933	1 616	1 359	1 268	1 259	1 328	1 416	1 508	1 630	1 763	1 910	2 054	2 165	2 215	2 220	2 215	2 210	2 232	2 291	2 365	2 452	2 652	2 871	3 110	3 283	3 317	3 297	3 287	3 298	3 310	3 316	3 312	3 374	3 499	3 695	3 945	4 309	4 707	5 159	5 543	5 775	5 896	5 766	4 915	3 177	1 866	1 570	1 722	3 902	8 060	11 222	12 466	12 689	12 102
Non Interest Income		838	907	1 108	936	899	829	7 487	2 627	5 032	6 879	9 167	9 755	9 963	10 323	10 396	10 241	9 897	9 701	7 749	7 012	6 879	7 680	9 578	10 255	10 059	9 851	10 247	10 489	10 840	10 003	9 649	9 966	9 874	13 609	14 022	14 040	14 667	12 087	12 229	12 298	12 554	13 105	13 202	13 871	14 032	13 164	13 492	13 389	13 466	14 559	14 905	16 196	16 893	17 924	20 222	18 357	18 063	18 819	15 899	18 268	19 675	19 231	22 570	20 311	25 329	27 449	24 271	14 344	10 132	9 497	(387)	10 549	57	9 032
Revenue		2 310 N/A	2 404 +4%	2 626 +9%	2 452 -7%	2 442 0%	2 402 -2%	9 084 +278%	4 256 -53%	6 689 +57%	8 595 +28%	10 961 +28%	11 662 +6%	11 993 +3%	12 446 +4%	12 640 +2%	12 616 0%	12 392 -2%	12 314 -1%	10 532 -14%	9 897 -6%	9 796 -1%	10 601 +8%	12 403 +17%	13 044 +5%	12 858 -1%	12 716 -1%	13 194 +4%	13 516 +2%	13 974 +3%	13 257 -5%	13 059 -1%	13 542 +4%	13 554 +0%	17 359 +28%	17 770 +2%	17 749 0%	18 406 +4%	15 860 -14%	16 112 +2%	16 355 +2%	16 776 +3%	17 595 +5%	17 938 +2%	18 769 +5%	19 086 +2%	18 289 -4%	18 681 +2%	18 637 0%	18 692 +0%	19 702 +5%	19 957 +1%	21 213 +6%	21 995 +4%	23 174 +5%	25 645 +11%	23 923 -7%	23 734 -1%	24 613 +4%	21 789 -11%	24 277 +11%	25 822 +6%	25 473 -1%	28 901 +13%	26 629 -8%	31 295 +18%	33 208 +6%	30 126 -9%	20 500 -32%	17 820 -13%	18 709 +5%	9 258 -51%	20 334 +120%	9 812 -52%	18 548 +89%
Pre-Tax Income
Loan Loss Provision		(134)	(133)	(77)	(81)	(57)	3	(12)	0	0	(16)	(2)	(2)	14	(22)	(36)	(28)	(99)	(216)	(447)	(651)	(700)	(595)	(429)	(257)	(171)	(163)	(134)	(158)	(196)	(191)	(221)	(268)	(250)	(282)	(271)	(196)	(241)	(265)	(263)	(286)	(268)	(271)	(359)	(380)	(395)	(448)	(409)	(591)	(599)	(615)	(656)	(727)	(808)	(798)	(672)	(516)	(368)	(261)	(288)	(524)	(614)	(888)	(892)	(1 937)	(2 043)	(1 029)	(873)	(596)	(584)	(830)	(733)	(684)	(690)	(703)
Non Interest Expense		(552)	(771)	(1 057)	(797)	(785)	(787)	(7 367)	(2 525)	(4 439)	(6 284)	(8 483)	(8 861)	(9 493)	(9 826)	(10 065)	(10 054)	(9 882)	(9 768)	(8 001)	(7 190)	(6 920)	(7 769)	(9 431)	(10 123)	(10 015)	(9 690)	(10 180)	(10 516)	(10 841)	(10 223)	(9 883)	(10 058)	(10 005)	(12 235)	(12 537)	(12 764)	(13 427)	(12 069)	(12 281)	(12 253)	(12 312)	(12 637)	(12 816)	(13 532)	(13 687)	(13 192)	(13 448)	(13 404)	(13 645)	(14 588)	(15 026)	(16 194)	(16 721)	(17 716)	(19 875)	(17 990)	(17 726)	(18 539)	(15 949)	(18 113)	(19 596)	(19 177)	(22 210)	(20 078)	(25 087)	(26 604)	(23 573)	(14 305)	(10 566)	(9 976)	(124)	(10 904)	(146)	(8 945)
Pre-Tax Income		1 624 N/A	1 500 -8%	1 491 -1%	1 574 +6%	1 601 +2%	1 618 +1%	1 706 +5%	1 744 +2%	2 261 +30%	2 296 +2%	2 476 +8%	2 799 +13%	2 514 -10%	2 598 +3%	2 539 -2%	2 534 0%	2 411 -5%	2 330 -3%	2 085 -11%	2 056 -1%	2 176 +6%	2 237 +3%	2 543 +14%	2 664 +5%	2 672 +0%	2 863 +7%	2 880 +1%	2 842 -1%	2 937 +3%	2 843 -3%	2 955 +4%	3 215 +9%	3 298 +3%	4 841 +47%	4 962 +2%	4 789 -3%	4 738 -1%	3 526 -26%	3 567 +1%	3 816 +7%	4 196 +10%	4 687 +12%	4 763 +2%	4 856 +2%	5 003 +3%	4 648 -7%	4 825 +4%	4 642 -4%	4 448 -4%	4 499 +1%	4 275 -5%	4 292 +0%	4 466 +4%	4 660 +4%	5 099 +9%	5 418 +6%	5 641 +4%	5 814 +3%	5 552 -5%	5 640 +2%	5 612 0%	5 408 -4%	5 800 +7%	4 614 -20%	4 165 -10%	5 575 +34%	5 680 +2%	5 599 -1%	6 670 +19%	7 903 +18%	8 401 +6%	8 746 +4%	8 976 +3%	8 900 -1%
Net Income
Tax Provision		(490)	(290)	(270)	(287)	(291)	(291)	(308)	(320)	(354)	(366)	(370)	(358)	(331)	(326)	(356)	(391)	(392)	(362)	(224)	(232)	(273)	(294)	(388)	(386)	(361)	(418)	(433)	(448)	(464)	(442)	(477)	(518)	(536)	(668)	(699)	(670)	(681)	(602)	(598)	(641)	(664)	(694)	(687)	(688)	(707)	(704)	(717)	(692)	(682)	(676)	(629)	(639)	(643)	(660)	(803)	(862)	(923)	(964)	(877)	(845)	(823)	(729)	(778)	(640)	(437)	(569)	(648)	(689)	(1 031)	(1 239)	(1 236)	(1 228)	(1 228)	(1 403)
Income from Continuing Operations		1 134	1 210	1 222	1 288	1 310	1 326	1 397	1 424	1 907	1 930	2 106	2 441	2 183	2 272	2 183	2 143	2 019	1 968	1 860	1 824	1 903	1 943	2 154	2 278	2 311	2 445	2 447	2 394	2 473	2 401	2 479	2 698	2 763	4 174	4 263	4 119	4 057	2 924	2 970	3 176	3 533	3 994	4 076	4 169	4 297	3 945	4 108	3 950	3 766	3 823	3 646	3 654	3 824	4 001	4 296	4 556	4 718	4 850	4 675	4 795	4 789	4 679	5 022	3 974	3 728	5 006	5 032	4 910	5 639	6 664	7 165	7 518	7 748	7 497
Income to Minority Interest		(10)	(58)	(73)	(96)	(114)	(95)	(99)	(106)	(98)	(97)	(104)	(110)	(115)	(120)	(112)	(98)	(81)	(91)	(111)	(151)	(189)	(182)	(192)	(185)	(181)	(194)	(193)	(189)	(194)	(179)	(166)	(181)	(175)	(249)	(270)	(262)	(250)	(208)	(202)	(205)	(240)	(228)	(234)	(233)	(233)	(211)	(205)	(184)	(163)	(179)	(173)	(175)	(189)	(201)	(252)	(262)	(256)	(251)	(183)	(184)	(163)	(126)	(153)	(132)	(142)	(187)	(174)	(121)	(113)	(141)	(144)	(160)	(161)	(137)
Net Income (Common)		1 078 N/A	1 105 +3%	1 109 +0%	1 153 +4%	1 157 +0%	1 192 +3%	1 259 +6%	1 279 +2%	1 789 +40%	1 794 +0%	1 963 +9%	2 292 +17%	2 010 -12%	2 113 +5%	2 032 -4%	2 007 -1%	1 900 -5%	1 839 -3%	1 690 -8%	1 614 -4%	1 630 +1%	1 722 +6%	1 872 +9%	2 093 +12%	2 175 +4%	2 251 +3%	2 163 -4%	2 115 -2%	2 189 +3%	2 132 -3%	2 222 +4%	2 426 +9%	2 497 +3%	3 834 +54%	3 885 +1%	3 749 -4%	3 699 -1%	2 608 -29%	2 678 +3%	2 881 +8%	3 203 +11%	3 676 +15%	3 785 +3%	3 879 +2%	4 007 +3%	3 677 -8%	3 846 +5%	3 710 -4%	3 547 -4%	3 588 +1%	3 414 -5%	3 419 +0%	3 575 +5%	3 740 +5%	3 983 +7%	4 233 +6%	4 401 +4%	4 538 +3%	4 473 -1%	4 592 +3%	4 607 +0%	4 534 -2%	4 810 +6%	3 974 -17%	3 533 -11%	4 766 +35%	4 812 +1%	4 743 -1%	5 470 +15%	6 467 +18%	6 955 +8%	7 292 +5%	7 523 +3%	7 296 -3%
EPS (Diluted)		0.34 N/A	0.36 +6%	0.34 -6%	0.35 +3%	0.34 -3%	0.35 +3%	0.39 +11%	0.4 +3%	0.56 +40%	0.56 N/A	0.61 +9%	0.71 +16%	0.63 -11%	0.67 +6%	0.64 -4%	0.64 N/A	0.61 -5%	0.59 -3%	0.53 -10%	0.51 -4%	0.51 N/A	0.47 -8%	0.58 +23%	0.61 +5%	0.59 -3%	0.65 +10%	0.64 -2%	0.62 -3%	0.58 -6%	0.61 +5%	0.64 +5%	0.68 +6%	0.65 -4%	1.07 +65%	1.1 +3%	1.06 -4%	1 -6%	0.74 -26%	0.76 +3%	0.81 +7%	0.87 +7%	1.03 +18%	1.02 -1%	0.97 -5%	0.97 N/A	0.91 -6%	0.95 +4%	0.89 -6%	0.84 -6%	0.84 N/A	0.82 -2%	0.81 -1%	0.84 +4%	0.88 +5%	0.95 +8%	1 +5%	1.05 +5%	1.09 +4%	1.06 -3%	1.05 -1%	1.03 -2%	1.04 +1%	1.12 +8%	0.89 -21%	0.8 -10%	1.07 +34%	1.07 N/A	1.05 -2%	1.22 +16%	1.44 +18%	1.55 +8%	1.63 +5%	1.67 +2%	1.61 -4%

Income Statement Balance Sheet Cash Flow Statement

Income Statement Balance Sheet Cash Flow Statement

See Also

Relative Valuation

Wall Street Estimates

Profitability Analysis

Solvency Analysis

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