Credit Bureau Asia Limited told shareholders at its Apr, 24 2026 annual general meeting that group performance in 2025 was subdued in the first half, chiefly because of weaker demand from Cambodia’s financial-institution segment, but improved markedly in the second half and ended the year at break-even on both revenue and profit.

Management said it will seek to increase ownership in partly held subsidiaries where regulations allow, although jurisdictions such as Myanmar and Cambodia cap foreign stakes in credit bureaus.

Credit Bureau Singapore, a subsidiary that has operated for more than 20 years, is now licensed under the Credit Bureau Act administered by the Monetary Authority of Singapore, replacing its earlier status under the Banking Act.

The company reported no external pricing pressure and said it adjusts fees only in response to inflation or additional customer value. It views artificial intelligence as a tool for internal efficiency because its proprietary credit data are not publicly accessible.

Organic growth will continue in Singapore, Malaysia, Myanmar and Cambodia, while acquisition prospects are being evaluated in markets including Australia, New Zealand and Vietnam. The board said larger industry players have shown interest in acquiring the company, but it remains focused on maximising long-term shareholder value.

Dividend policy remains flexible; since listing the firm has aimed to distribute up to 90 per cent of annual profit, subject to business conditions and funding needs.

To improve capital efficiency, the board proposed a capital reduction that will return about 20.66 million Singapore dollars to shareholders. Together with a final dividend of 5.1 million Singapore dollars, the company expects to retain roughly 3 million Singapore dollars for operations. Management added that most cash is held in subsidiaries and that any future acquisitions can be financed through external bank facilities if required.