Page 129 - RFHL ANNUAL REPORT 2024_ONLINE
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        4.  Advances
            a  Advances
                                                       Commercial
                                                             and
                                                Retail   corporate                          Credit
               2024                            lending    lending  Mortgages  Overdrafts    cards       Total

               Performing advances               8,149      17,469     34,655     3,648       1,817     65,738
               Non-performing advances             258        890       1,889       76         172      3,285


                                                 8,407      18,359     36,544     3,724      1,989     69,023
               Unearned interest/finance charge      (102)    (18)        (2)         –          –       (122)
               Accrued interest                     8         121        70          9           –       208


               Gross loans                        8,313     18,462     36,612     3,733      1,989     69,109
               Allowance for ECLs – Note 4 (d)      (267)    (534)       (413)     (108)      (213)     (1,535)


                                                 8,046      17,928     36,199     3,625      1,776     67,574
               Unearned loan origination fees       (59)      (64)      (149)        (1)        (2)      (275)

               Net advances                      7,987      17,864     36,050     3,624      1,774     67,299


               2023

               Performing advances                7,331     15,326     31,426      3,515     1,626     59,224
               Non-performing advances            282         943       1,776       95         198      3,294

                                                  7,613     16,269     33,202     3,610      1,824     62,518
               Unearned interest/finance charge     (83)       (19)       (5)         –          –       (107)
               Accrued interest                      9        121         93         9           –        232

               Gross loans                       7,539      16,371     33,290     3,619      1,824     62,643
                Allowance for ECLs – Note 4 (d)      (274)    (693)     (478)       (79)      (217)     (1,741)


                                                 7,265      15,678     32,812     3,540      1,607     60,902
               Unearned loan origination fees       (51)      (63)      (129)        (1)        (2)      (246)


               Net advances                       7,214     15,615     32,683     3,539      1,605     60,656


            b   Net investment in leased assets included in net advances


                                                                                             2024        2023

                  Gross investment                                                             15          21
                  Unearned finance charge                                                       (1)        (2)

                  Net investment in leased assets                                               14         19
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