Jan 21 morning round-up:

1. Muted earnings for Q4; but property, banks may surprise on upside
http://bit.ly/2R9XYiH

2. Hyflux saga: Utico urges noteholders to vote scheme in
http://bit.ly/2TFWnCL

3. Hyflux saga: Utico CEO says its rescue offer for PnP holders is not open to Olivia Lum
http://bit.ly/2GahLs0

4. Zall joins list of Chinese players eyeing wholesale digital bank in Singapore
http://bit.ly/2RE8ZrH

5. Minority shareholder objects to Darco Water Technologies’ share placement
http://bit.ly/2RwEp30

6. Why people quit at the start of the year - and how to keep them
http://bit.ly/365Hxbq