Watchlist Manager

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Price: 2.57 SGD

Market Cap: S$1.2B

Income Statement

Net Interest Income

Non Interest Income

Currency: SGD

		Dec-2002	Mar-2003	Jun-2003	Sep-2003	Dec-2003	Mar-2004	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		197	199	203	208	195	198	198	195	189	184	176	172	171	168	167	167	167	168	170	179	190	197	204	204	206	211	216	220	217	213	208	199	192	185	176	169	164	161	158	156	154	151	151	150	148	148	148	149	149	151	155	158	162	161	154	145	137	135	144	159	175	189	200	207	212	214	211	207	202	182	147	154	178	185	242	247	202	213	225	202
Interest Income		296	293	290	288	265	261	255	249	242	241	238	237	242	252	267	284	301	314	325	342	363	377	380	373	361	346	335	324	308	295	283	270	259	248	238	230	225	224	226	231	238	244	249	250	249	248	248	251	255	261	272	282	296	310	315	314	307	298	293	296	302	310	324	336	350	365	375	388	396	381	311	256	240	244	337	484	569	600	593	537
Interest Expense		99	94	88	80	71	63	57	54	54	57	61	65	71	84	99	117	134	146	155	163	173	179	177	169	155	135	119	104	91	82	76	71	67	64	62	61	61	63	68	75	85	93	98	100	101	100	100	102	106	110	117	124	134	148	161	169	171	162	149	136	126	121	124	129	138	151	165	181	195	96	164	102	62	59	95	236	367	386	368	335
Non Interest Income		8	9	9	10	10	11	10	10	(13)	(12)	(12)	(13)	(5)	(5)	(6)	(6)	10	22	26	29	22	24	22	24	20	15	12	7	8	8	9	8	8	8	6	8	9	10	12	14	14	14	14	16	17	16	15	13	13	14	14	13	13	12	11	12	13	14	15	16	14	15	14	14	16	14	15	15	14	12	12	12	12	15	17	13	10	10	8	8
Revenue		205 N/A	207 +1%	211 +2%	219 +3%	205 -6%	208 +2%	208 0%	204 -2%	176 -14%	172 -2%	164 -5%	160 -3%	167 +4%	163 -2%	162 -1%	162 +0%	177 +9%	190 +7%	196 +3%	208 +6%	212 +2%	221 +4%	226 +2%	228 +1%	225 -1%	225 0%	228 +1%	227 -1%	225 -1%	221 -1%	216 -2%	208 -4%	200 -4%	193 -4%	182 -5%	176 -3%	173 -2%	172 -1%	170 -1%	170 0%	168 -1%	165 -2%	166 +0%	166 +0%	165 0%	164 -1%	163 -1%	161 -1%	162 +0%	165 +2%	168 +2%	171 +2%	175 +2%	173 -1%	166 -4%	157 -5%	150 -5%	150 +0%	159 +6%	175 +10%	190 +8%	203 +7%	214 +5%	221 +3%	228 +3%	228 +0%	226 -1%	222 -2%	216 -3%	194 -10%	159 -18%	166 +4%	190 +14%	200 +6%	259 +29%	260 +1%	212 -18%	223 +5%	233 +5%	210 -10%
Pre-Tax Income
Loan Loss Provision		(44)	(46)	(54)	(59)	(48)	(48)	(43)	(36)	0	5	9	9	0	6	10	18	10	3	9	14	28	25	21	11	(56)	(63)	(74)	(74)	(24)	(6)	7	10	24	18	23	25	27	18	6	(1)	(9)	(8)	(4)	0	2	2	0	(3)	(2)	(2)	(3)	(2)	4	5	6	7	(1)	(1)	0	(3)	(4)	(6)	(6)	4	2	3	5	(6)	(2)	(9)	(8)	2	(0)	(5)	(3)	2	5	4	0	4
Non Interest Expense		(50)	(52)	(53)	(56)	(58)	(61)	(61)	(63)	(67)	(66)	(68)	(68)	(68)	(69)	(69)	(68)	(66)	(67)	(70)	(73)	(77)	(79)	(80)	(81)	(75)	(73)	(69)	(65)	(66)	(67)	(70)	(73)	(78)	(79)	(80)	(80)	(80)	(81)	(82)	(81)	(80)	(81)	(81)	(82)	(83)	(83)	(84)	(85)	(84)	(85)	(88)	(90)	(92)	(92)	(89)	(86)	(84)	(82)	(81)	(81)	(83)	(84)	(84)	(85)	(88)	(89)	(92)	(93)	(90)	(81)	(76)	(82)	(87)	(92)	(99)	(103)	(105)	(108)	(109)	(114)
Pre-Tax Income		111 N/A	110 -1%	104 -5%	103 -1%	99 -5%	100 +1%	104 +4%	105 +1%	110 +5%	110 +1%	106 -4%	101 -5%	98 -3%	99 +1%	103 +4%	112 +9%	120 +7%	125 +4%	136 +8%	149 +10%	163 +10%	168 +3%	167 -1%	159 -5%	95 -40%	89 -6%	85 -5%	87 +2%	134 +54%	148 +11%	153 +3%	145 -6%	146 +1%	132 -10%	125 -5%	121 -3%	120 -1%	108 -10%	94 -13%	88 -7%	79 -10%	77 -2%	80 +4%	84 +5%	84 +1%	83 -1%	80 -5%	73 -8%	76 +4%	77 +2%	77 0%	79 +4%	87 +9%	86 -1%	82 -4%	78 -6%	64 -18%	66 +4%	78 +18%	91 +17%	103 +13%	114 +11%	124 +9%	140 +13%	142 +1%	143 +0%	139 -3%	123 -11%	124 +1%	103 -17%	75 -28%	86 +15%	102 +19%	103 +1%	157 +53%	159 +1%	112 -29%	119 +6%	125 +5%	100 -19%
Net Income
Tax Provision		(26)	(26)	(24)	(23)	(21)	(22)	(22)	(22)	(23)	(22)	(21)	(20)	(19)	(20)	(20)	(22)	(24)	(25)	(27)	(28)	(30)	(30)	(29)	(28)	(17)	(16)	(15)	(15)	(23)	(24)	(25)	(24)	(24)	(22)	(21)	(20)	(20)	(18)	(16)	(15)	(1)	(1)	(1)	(2)	(14)	(14)	(14)	(13)	(13)	(13)	(13)	(13)	(14)	(14)	(13)	(13)	(11)	(11)	(13)	(15)	(17)	(19)	(21)	(23)	(24)	(24)	(23)	(21)	(21)	(16)	(11)	(14)	(17)	(17)	(26)	(26)	(19)	(20)	(21)	(17)
Income from Continuing Operations		85	84	80	80	78	78	82	83	87	89	85	81	79	80	83	90	96	100	109	121	133	138	137	131	78	73	70	72	111	124	128	121	122	110	104	101	100	90	78	73	78	76	79	82	70	69	66	60	63	64	64	66	73	72	69	65	53	55	65	76	86	95	104	117	118	119	115	102	103	87	64	72	85	85	131	132	93	99	104	84
Net Income (Common)		85 N/A	84 -1%	80 -4%	80 -1%	78 -3%	78 +1%	82 +4%	83 +1%	87 +5%	89 +2%	85 -4%	81 -4%	79 -2%	80 +1%	83 +4%	90 +9%	96 +7%	100 +4%	109 +9%	121 +11%	133 +11%	138 +3%	137 0%	131 -4%	78 -41%	73 -6%	70 -4%	72 +2%	111 +55%	124 +11%	128 +3%	121 -6%	122 +1%	110 -10%	104 -5%	101 -3%	100 -1%	90 -10%	78 -13%	73 -7%	78 +6%	76 -2%	79 +4%	82 +4%	70 -14%	69 -1%	66 -5%	60 -8%	63 +4%	64 +2%	64 0%	66 +4%	73 +10%	72 -1%	69 -4%	65 -6%	53 -18%	55 +4%	65 +18%	76 +17%	86 +13%	95 +11%	104 +9%	117 +13%	118 +1%	119 +0%	115 -3%	102 -11%	103 +1%	87 -16%	64 -27%	72 +13%	85 +18%	85 +1%	131 +54%	132 +1%	93 -29%	99 +6%	104 +5%	84 -20%
EPS (Diluted)		0.2 N/A	0.19 -5%	0.19 N/A	0.19 N/A	0.18 -5%	0.19 +6%	0.19 N/A	0.19 N/A	0.2 +5%	0.2 N/A	0.19 -5%	0.18 -5%	0.18 N/A	0.18 N/A	0.19 +6%	0.21 +11%	0.22 +5%	0.23 +5%	0.25 +9%	0.27 +8%	0.3 +11%	0.31 +3%	0.31 N/A	0.3 -3%	0.18 -40%	0.17 -6%	0.16 -6%	0.16 N/A	0.25 +56%	0.28 +12%	0.29 +4%	0.28 -3%	0.28 N/A	0.25 -11%	0.24 -4%	0.23 -4%	0.23 N/A	0.21 -9%	0.18 -14%	0.17 -6%	0.18 +6%	0.17 -6%	0.18 +6%	0.19 +6%	0.16 -16%	0.16 N/A	0.15 -6%	0.13 -13%	0.14 +8%	0.14 N/A	0.14 N/A	0.15 +7%	0.16 +7%	0.16 N/A	0.15 -6%	0.14 -7%	0.12 -14%	0.12 N/A	0.15 +25%	0.17 +13%	0.19 +12%	0.22 +16%	0.24 +9%	0.27 +13%	0.27 N/A	0.27 N/A	0.26 -4%	0.91 +250%	0.23 -75%	0.19 -17%	0.14 -26%	0.16 +14%	0.19 +19%	0.38 +100%	0.29 -24%	0.29 N/A	0.21 -28%	0.22 +5%	0.23 +5%	0.37 +61%

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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