S

Watchlist Manager

Watchlist

Price: 1.66 SGD -1.19% Market Closed

Market Cap: S$392.5m

Income Statement

Net Interest Income

Non Interest Income

Currency: SGD

		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	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Dec-2021	Jun-2022	Dec-2022	Jun-2023	Dec-2023	Jun-2024	Dec-2024	Jun-2025
Revenue
Net Interest Income		27	29	31	33	34	36	39	40	41	42	42	41	39	37	34	33	33	32	31	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	57	65	70
Interest Income		63	65	66	67	66	66	66	65	63	61	59	56	53	49	46	44	44	44	44	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	148	151	150
Interest Expense		37	36	35	34	32	30	28	25	22	19	17	15	14	13	12	11	11	12	12	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	4	15	13	21	58	91	91	86	80
Non Interest Income		5	5	4	4	4	4	4	4	4	4	4	9	9	9	9	4	4	4	4	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	6	7	9
Revenue		31 N/A	34 +9%	36 +4%	37 +4%	39 +5%	41 +5%	43 +6%	45 +4%	46 +2%	46 +2%	46 0%	51 +9%	49 -4%	46 -5%	44 -5%	37 -16%	36 -1%	36 -1%	35 -2%	35 -2%	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%	64 +5%	72 +13%	79 +10%
Pre-Tax Income
Loan Loss Provision		0	0	(2)	(4)	(13)	(13)	(15)	(15)	(7)	(8)	(2)	(1)	1	2	1	9	9	8	8	(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	4	(0)	0
Non Interest Expense		(16)	(17)	(17)	(18)	(17)	(17)	(16)	(16)	(17)	(17)	(18)	(19)	(19)	(20)	(20)	(20)	(19)	(19)	(18)	(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)	(29)	(28)	(29)
Pre-Tax Income		15 N/A	17 +13%	16 -9%	15 -9%	8 -43%	10 +27%	11 +7%	13 +18%	21 +61%	21 +1%	25 +20%	30 +19%	30 +0%	28 -8%	24 -13%	26 +7%	26 0%	25 -4%	25 +0%	17 -31%	16 -9%	15 -5%	14 -7%	13 -2%	13 -1%	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%	40 -1%	44 +10%	50 +15%
Net Income
Tax Provision		(3)	(3)	(3)	(4)	(3)	(3)	(3)	(3)	(4)	(4)	(4)	(5)	(5)	(5)	(4)	(4)	(2)	(2)	(2)	(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)	(7)	(7)	(8)
Income from Continuing Operations		13	14	13	11	6	7	8	10	18	18	22	26	25	23	20	22	24	23	23	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	33	36	42
Net Income (Common)		13 N/A	14 +13%	13 -12%	11 -13%	6 -50%	7 +33%	8 +10%	10 +27%	18 +73%	18 +1%	22 +21%	26 +19%	25 -1%	23 -8%	20 -13%	22 +7%	24 +8%	23 -4%	23 0%	16 -29%	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%	33 -1%	36 +11%	42 +15%
EPS (Diluted)		0.12 N/A	0.12 N/A	0.11 -8%	0.1 -9%	0.05 -50%	0.07 +40%	0.07 N/A	0.09 +29%	0.16 +78%	0.15 -6%	0.19 +27%	0.22 +16%	0.22 N/A	0.2 -9%	0.17 -15%	0.19 +12%	0.21 +11%	0.21 N/A	0.21 N/A	0.15 -29%	0.12 -20%	0.08 -33%	0.08 N/A	0.1 +25%	0.07 -30%	0.08 +14%	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 +12%	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 -12%	0.14 N/A	0.14 N/A	0.15 +7%	0.18 +20%

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

Join more than 321,000+ value investors using Alpha Spread

Create Free Account

or see our plans & pricing

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

What is Intrinsic Value? Help Center Contact Us

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2026 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.

Get AI-powered insights for any company or topic.

Open AI Assistant

Stock Screener

Discover stocks

Stock Comparison

Smarter decisions through side-by-side analysis

Intrinsic Value Calculator

Discover the true worth of your stocks

DCF Value Calculator

Harness the power of DCF

Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.