This document lists the winning photographs and photographers from the SAFRA Photographer of the Year competition. The competition featured categories like heritage, home, culture, and diversity. Several photographers each had multiple winning photographs, including Mr Koh Meng Hua, Mr Bernard Poh Lye Kiat, Madam Chua Tiew Eng, and Mr Daniel Yeo.

1. SAFRA Photographer of the Year:
Winning Photos

2. HERITAGE
- Mr Koh Meng Hua

3. HOME
- Mr Koh Meng Hua

4. CELEBRATE
- Mr Koh Meng Hua

5. CULTURE
- Mr Koh Meng Hua

6. CULTURE
- Mr Bernard Poh Lye Kiat
Mr Bernard Poh Lye Kiat

7. HOME
- Mr Bernard Poh Lye Kiat

8. DREAMS
- Mr Bernard Poh Lye Kiat

9. DIVERSITY
- Mr Bernard Poh Lye Kiat

10. Madam Chua Tiew Eng
HERITAGE - Madam Chua Tiew Eng

11. CULTURE - Madam Chua Tiew Eng

12. HOPES - Madam Chua Tiew Eng

13. PROGRESS - Madam Chua Tiew Eng

14. Mr Daniel Yeo
HOPES
- Mr Daniel Yeo

15. HOME - Mr Daniel Yeo

16. DREAMS
- Mr Daniel Yeo

17. DIVERSITY - Mr Daniel Yeo