Page 149 - RFHL ANNUAL REPORT 2025 ONLINE_NEW

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4 Advances
a Advances

Commercial
and
Retail corporate Credit
2025 lending lending Mortgages Overdrafts cards Total

Performing advances 9,592 19,301 37,913 3,749 1,860 72,415
Non-performing advances 300 941 1,985 91 195 3,512

9,892 20,242 39,898 3,840 2,055 75,927
Unearned interest/finance charge (152) (5) (3) – – (160)
Accrued interest 6 124 76 9 – 215

Gross loans 9,746 20,361 39,971 3,849 2,055 75,982
Allowance for ECLs
– Note 4 (d) (313) (477) (412) (121) (234) (1,557)

9,433 19,884 39,559 3,728 1,821 74,425
Unearned loan origination fees (66) (77) (161) (1) (2) (307)

Net advances 9,367 19,807 39,398 3,727 1,819 74,118

2024

Performing advances 8,149 17,469 34,655 3,648 1,817 65,739
Non-performing advances 258 890 1,889 76 172 3,285

8,407 18,359 36,544 3,724 1,988 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