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