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Annual Report 2024

AUDIO

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Vincent A. Pereira

Chairman

Shareholder’s Letter

Chairman’s Highlights

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Nigel M. Baptiste

Group President and
Chief Executive Officer

Group President and CEO’s Discussion and Analysis

Introduction and Net Profit

Other Income and Total Operating Expenses

Credit loss expense on Financial Assets

Loans and Advances and Performance Ratios

Capital Structure and Outlook

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RFHL Consolidated Statement of Financial Position

RFHL Consolidated Statement of Income