Sbs Transit - FY results is out. Net profit is down 13 percent to 61.1m. Declared final dividend of 8.66 cents plus a special dividend of 31.99 cents.so solid

 Sbs Transit  - FY results is out. Net profit is down 13 percent to 61.1m. Declared final dividend of 8.66 cents plus a special dividend of 31.99 cents.so solid!

Full-year Group revenue decreased by 2.7% to $1.52 billion.

• Full-year operating costs decreased by 2.5% to $1.45 billion. 

• Full-year operating profit decreased by 6.9% or $5 million to $68.1 million.

• Net profit attributable to shareholders decreased by 13% to $61.2 million.

• A final tax-exempt one-tier dividend of 8.66 cents per share and a special tax-

exempt one-tier dividend of 31.99 cents per share have been recommended.

IN addition, after a review of the Group’s capital requirements and funding needs, the
Board has proposed a special dividend of 31.99 cents per ordinary share to our
shareholders.
Together with the interim tax-exempt one-tier dividend of 8.95 cents paid earlier, the
total dividend for 2025 will be 49.60 cents per share or a payout ratio of 253% if the
final and special dividend is approved byp Shareholders at the Annual General
Meeting on 23 April 2026.
Outlook
Bus operations revenue is expected to decline following the loss of the Tampines Bus
Package from July 2026.
Rail operations revenue is expected to grow due to fare adjustment effective from 27
December 2025 and sustained increases in ridership.

Too much cash on hands! 

Total cash on hands 384m div total no if share 312m , 1.23 cash per share.

Uob Bank -

 UOB Group reported an operating profit of S$7.7 billion for the 

financial year ended 31 December 2025 (FY25), driven by strong fee momentum across our 

wholesale banking and retail banking businesses. Net profit for FY25 moderated 23% to S$4.7 billion from the previous year, largely due to the pre-emptive general allowances that the Group 

proactively set aside in the third quarter to strengthen provision coverage amid growing macroeconomic uncertainties.

The Board recommends the payment of a final dividend of 71 cents per ordinary share. Together with the interim dividend of 85 cents per ordinary share, the total dividend for FY25 will be S$1.56per ordinary share, representing a payout ratio of approximately 50%. In recognising the final dividends, the pre-emptive general provision set aside in the third quarter was excluded from the 

final dividend calculation. In addition to the regular dividends, the Group returned surplus capitalto shareholders through a special dividend of 50 cents per ordinary share, which was paid over two tranches during 2025. 

Net interest income for FY25 eased 3% year on year. Although loan growth was healthy at 4%,

margin pressures from lower benchmark rates offset the growth momentum. Net fee income grew 

7% to a record high of S$2.6 billion, driven by a double-digit growth in wealth management and 

loan-related fees. While trading income and liquidity management activities normalised from last 

year’s exceptional level, customer-related treasury income reached a new record high, backed by 

strong hedging and investment demand. 

Asset quality remained resilient with non-performing loan ratio stable at 1.5%. Following the pre-

emptive general provision set aside in the third quarter, credit costs for the fourth quarter improved 

to 19 basis points, as total allowances returned to normalised levels.

Sembcorp Ind - Indeed, she has risen up to reclaim 6.25 and is now trading at 6.32, looks rather positive.She may rise up further towards 6.40 and above

 Sembcorp Ind  - Indeed, she has risen up to reclaim 6.25 and is now trading at 6.32, looks rather positive.She may rise up further towards 6.40 and above!

Beyond 6.40, she may rise up to test 6.52 than 6.65 and above. Pls dyodd. 

 Sembcorp Ind  - Nice breakout yesterday at 6.18 and closed well at 6.25 likely to continue to trend higher!

She may rise up to test 6.50 to 6.55. 

 Chart wise,  she is still stuck in a consolidation mode price patterns! It will need a nice breakout of 6.18-6.20 in order to rise up further towards 6.30 than 6.40 and 6.50-6.65. Pls dyodd. 

3rd February 2026:

 Sembcorp Ind  - She may rise up to retest 6.18 again ! Beyond that, she may rise further higher towards 6.40 and above. 

Good news:

This morning price Gapped up and is now trading at 6.06 this is rather positive, likely to see further upwards movement towards 6.20 thab 6.30 and above. 

 Under the PPA, Sembcorp has been supplying up to 450MW of power to Micron’s 

Singapore production facilities. The latest agreement will include an additional 150MW 

of power to support Micron’s growing operations. The added capacity does not change 

the PPA’s original 18-year term, which continues through 2041.

16th Jan 2026:

Sembcorp Ind  - She is slowing rising up after touching the low of 5.80. Now trading at 6.04 looks rather interesting !

she may rise up to test 6.13 than 6.20 - 6.29. Pls dyodd. 

Sembcorp Ind  - She is slowing rising up after touching the low of 5.80. Now trading at 6.04 looks rather interesting!

Sembcorp Ind  - nibbled small units at 5.86 after seeing her being sold down after the acquisition of Alinta Energy in Australia for A6.5b, funded by internal fund plus borrowing! Looks like a great deal! It helps to boost earnings accretive and lifted the ROE to 22.5%, awesome!

Went to Nex for dinner plus bought nice and juicy Japanese strawberries! Nom Nom.

Pls dyodd.

  Sembcorp Ind  - It looks like the price has driven to oversold territory!

At 5.99, yield is quite decent at about 4.34%. Annual dividend is 26 cents.

Last Friday,  she had managed to bounce-off from the low of 5.95 and closed slightly higher at 5.99 looks rather interesting!

She may rise up to test 6.17 and above. 

Not a call to buy or sell!

Pls dyodd. 

Vicom - Group Revenue increased by 40.1% to $167.4 million. • Group operating profit increased by 49.7% to $51.8 million.

 Group Revenue increased by 40.1% to $167.4 million. 

• Group operating profit increased by 49.7% to $51.8 million. 

• Net profit attributable to Shareholders increased by 45.1% to $42.5 million.

• A final dividend of 5.30 cents per share has been recommended.

The Group delivered a solid performance for the year ended 31 December 2025, 

driven primarily by strong contribution from OBU installations.

Group revenue rose by $47.9 million or 40.1% to $167.4 million and operating profit 

saw a growth of $17.2 million or 49.7%, reaching $51.8 million for the year ended 31 December 2025.

After factoring interest income less finance costs and taxation, the net profit 

attributable to shareholders increased by $13.2 million or 45.1% to $42.5 million.

Dbs - A first Green candlesticks spotted on the chart yesterday, looks rather interesting! Today , another Gapped up looks she is trying to do a rebound and may rise up to test 58.45

 Dbs - A first Green candlesticks spotted on the chart yesterday, looks rather interesting! Today , another Gapped up looks she is trying to do a rebound and may rise up to test 58.45!

Beyond 58.45, she may move up to test 58.95-59.00. Pls dyodd. 

 FY pre-tax profit at new high of $13.1b, ROE at 16.2% and ROTE at 17.8%

 Total income up 3% to record $22.9b despite rate headwinds

o Group NII modestly higher from record deposit growth and proactive balance sheet hedging

o Fee income and treasury customer sales reach new highs

o Markets trading income highest since 2021

4Q pre-tax profit declines 6% YoY to $2.80b

 Total income down 3% to $5.33b, stronger fees and treasury customer sales offset by rate headwinds and 

absence of non-recurring gains a year ago

Balance sheet remains healthy

 Asset quality remains sound. Notwithstanding prudent downgrade of a previously watchlisted real estate 

exposure, NPL ratio stable at 1.0%

 4Q SP partially offset by GP release; FY SP at 19bp

 Allowance coverage at 130% and 197% after considering collateral

 Transitional CET1 ratio at 17.0%, fully phased-in at 15.0%

4Q total dividend at 81¢ per share – ordinary dividend raised 6¢ to 66¢, Capital Return dividend at 15¢. XD 8 April. Paydate 17 April 2026.

Capital Return dividend to be maintained for FY26 and FY27 barring unforeseen circumstan.

4th quarter before tax declined 20% qoq to 2798m.And yoy 4th quarter before tax declined 6% .

The Board declared Final dividend of 66 cents, bringing the total dividend to 3.06.

I think results is showing declining Revenue for 4th quarters.  Going forward,  we may see lower revenue and net profit.  Pls dyodd. 

ComfortDelGro - She is gaining strength and trending up nicely, likely to test 1.54 than 1.60 and above

ComfortDelGro subsidiary company-Vicom posted good sets of financial numbers for FY 2025 with Net profit is up 45.1% to 42.5m. Final dividend increased from 3 cents to 5.3 cents, solid! As ComfortDelGro own about 60+% of Vicom share , results likely will see an increase in total revenue, net profit as well as increase in dividend payout.  She may likely rise up next week to test 1.60 and above!

ComfortDelGro  - She is gaining strength and trending up nicely,  likely to test 1.54 than 1.60 and above!

Dont hesitate and keep procrastinating and missed the boat! 

Beyond 1.60, she may test 1.64 than 1.80! Pls dyodd.

 ComfortDelGro  - She is slowly climbing higher, looks rather positive! She may test 1.50 soon! Beyond, 1.50, she may rise up further towards 1.55 than 1.60. Pls dyodd.

 

7 December 2025:

 ComfortDelGro  - She is back to interesting price level,  yield is about 5.8 percent, is quite nice yield level!

Interim dividend 3.91 cents. Estimating Final dividend of 4.5-4.8 cents. 

I think boat is back! Their overseas ventures is bearing fruits! 

I think They are taking advantage of the green loans and earn some interest on their existing cash by placing on FD or short term money instruments! 

FY results will be out in Feb 2026!

Net cash position. Not a call to buy or sell!

Pls dyodd.