Sing Investments & Finance Ltd
SGX:S35
Income Statement
Income Statement
Sing Investments & Finance Ltd
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 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Dec-2021 | Jun-2022 | Dec-2022 | Jun-2023 | Dec-2023 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Net Interest Income |
31
|
30
|
30
|
30
|
30
|
30
|
31
|
32
|
32
|
33
|
32
|
33
|
34
|
35
|
36
|
37
|
38
|
39
|
40
|
42
|
43
|
45
|
46
|
47
|
47
|
47
|
46
|
46
|
46
|
45
|
45
|
45
|
46
|
47
|
50
|
54
|
59
|
58
|
61
|
55
|
55
|
|
Interest Income |
44
|
44
|
45
|
46
|
47
|
47
|
48
|
49
|
50
|
52
|
53
|
56
|
59
|
64
|
68
|
71
|
74
|
76
|
76
|
75
|
73
|
72
|
72
|
73
|
74
|
77
|
79
|
82
|
84
|
86
|
87
|
87
|
86
|
83
|
79
|
77
|
73
|
71
|
82
|
114
|
146
|
|
Interest Expense |
13
|
14
|
15
|
16
|
17
|
17
|
17
|
17
|
18
|
19
|
20
|
23
|
25
|
28
|
32
|
34
|
36
|
37
|
36
|
33
|
30
|
27
|
26
|
26
|
27
|
30
|
33
|
36
|
39
|
41
|
42
|
43
|
41
|
36
|
29
|
23
|
15
|
13
|
21
|
58
|
91
|
|
Non Interest Income |
4
|
4
|
4
|
4
|
4
|
4
|
4
|
5
|
4
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
8
|
7
|
7
|
7
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
7
|
7
|
8
|
8
|
7
|
6
|
5
|
5
|
5
|
6
|
|
Revenue |
35
N/A
|
34
-1%
|
34
0%
|
34
+0%
|
34
+1%
|
34
+0%
|
35
+3%
|
36
+2%
|
37
+2%
|
37
+1%
|
37
0%
|
38
+2%
|
39
+3%
|
40
+4%
|
41
+3%
|
42
+2%
|
43
+2%
|
44
+3%
|
45
+3%
|
49
+9%
|
51
+3%
|
52
+2%
|
53
+3%
|
52
-3%
|
52
+1%
|
52
0%
|
51
-2%
|
51
0%
|
51
0%
|
50
-1%
|
50
+0%
|
52
+2%
|
53
+3%
|
55
+4%
|
58
+6%
|
62
+6%
|
65
+6%
|
63
-3%
|
66
+5%
|
61
-8%
|
61
+1%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Loan Loss Provision |
(0)
|
(0)
|
(1)
|
(0)
|
(1)
|
(0)
|
0
|
(1)
|
(1)
|
(1)
|
(3)
|
(3)
|
(3)
|
(4)
|
(5)
|
(5)
|
(5)
|
(5)
|
(3)
|
(3)
|
(3)
|
(2)
|
(3)
|
(1)
|
(1)
|
1
|
1
|
1
|
1
|
(2)
|
(2)
|
(5)
|
(6)
|
(6)
|
(5)
|
0
|
(1)
|
3
|
6
|
9
|
8
|
|
Non Interest Expense |
(17)
|
(18)
|
(18)
|
(20)
|
(20)
|
(21)
|
(21)
|
(20)
|
(20)
|
(21)
|
(21)
|
(22)
|
(22)
|
(21)
|
(22)
|
(21)
|
(22)
|
(22)
|
(22)
|
(23)
|
(23)
|
(23)
|
(23)
|
(23)
|
(24)
|
(24)
|
(25)
|
(26)
|
(26)
|
(27)
|
(27)
|
(27)
|
(27)
|
(26)
|
(26)
|
(26)
|
(27)
|
(27)
|
(28)
|
(29)
|
(29)
|
|
Pre-Tax Income |
17
N/A
|
16
-9%
|
15
-5%
|
14
-7%
|
13
-2%
|
13
0%
|
15
+13%
|
15
+1%
|
16
+5%
|
15
-7%
|
13
-10%
|
13
0%
|
13
-2%
|
15
+14%
|
15
-1%
|
16
+4%
|
16
+5%
|
17
+2%
|
20
+22%
|
24
+17%
|
25
+6%
|
26
+5%
|
27
+3%
|
27
+0%
|
28
+1%
|
29
+4%
|
27
-5%
|
26
-4%
|
25
-3%
|
22
-12%
|
21
-4%
|
19
-8%
|
20
+1%
|
23
+18%
|
28
+20%
|
36
+29%
|
37
+4%
|
39
+4%
|
44
+13%
|
40
-9%
|
40
-1%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(3)
|
(3)
|
(3)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(5)
|
(4)
|
(4)
|
(4)
|
(2)
|
(2)
|
(1)
|
(2)
|
(4)
|
(4)
|
(6)
|
(6)
|
(6)
|
(7)
|
(6)
|
(7)
|
|
Income from Continuing Operations |
16
|
15
|
14
|
13
|
13
|
11
|
13
|
13
|
14
|
13
|
12
|
11
|
11
|
13
|
13
|
13
|
14
|
14
|
17
|
20
|
21
|
23
|
23
|
23
|
24
|
24
|
23
|
22
|
21
|
20
|
19
|
18
|
18
|
20
|
23
|
30
|
31
|
33
|
37
|
34
|
33
|
|
Net Income (Common) |
16
N/A
|
15
-10%
|
14
-5%
|
13
-6%
|
13
-3%
|
11
-11%
|
13
+12%
|
13
+1%
|
14
+6%
|
13
-8%
|
12
-9%
|
11
0%
|
11
-2%
|
13
+14%
|
13
-1%
|
13
+3%
|
14
+4%
|
14
+1%
|
17
+22%
|
20
+17%
|
21
+5%
|
23
+8%
|
23
+3%
|
23
+0%
|
24
+2%
|
24
+2%
|
23
-5%
|
22
-4%
|
21
-3%
|
20
-5%
|
19
-4%
|
18
-6%
|
18
+1%
|
20
+8%
|
23
+20%
|
30
+27%
|
31
+5%
|
33
+4%
|
37
+13%
|
34
-9%
|
33
-2%
|
|
EPS (Diluted) |
0.15
N/A
|
0.1
-33%
|
0.08
-20%
|
0.08
N/A
|
0.1
+25%
|
0.08
-20%
|
0.08
N/A
|
0.08
N/A
|
0.08
N/A
|
0.08
N/A
|
0.08
N/A
|
0.08
N/A
|
0.08
N/A
|
0.08
N/A
|
0.09
+13%
|
0.09
N/A
|
0.1
+11%
|
0.09
-10%
|
0.12
+33%
|
0.14
+17%
|
0.14
N/A
|
0.14
N/A
|
0.15
+7%
|
0.15
N/A
|
0.16
+7%
|
0.15
-6%
|
0.15
N/A
|
0.14
-7%
|
0.13
-7%
|
0.13
N/A
|
0.12
-8%
|
0.11
-8%
|
0.11
N/A
|
0.12
+9%
|
0.14
+17%
|
0.19
+36%
|
0.2
+5%
|
0.14
-30%
|
0.16
+14%
|
0.14
-13%
|
0.14
N/A
|