Page 197 - RFHL ANNUAL REPORT 2025 ONLINE_NEW

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27 Segmental information (continued)

ii By class of business

Retail and Other Eliminations
commercial financial and other
2025 banking services adjustments Total

Interest income 6,380 259 (104) 6,535
Interest expense (1,015) (162) 104 (1,073)

Net interest income 5,365 97 – 5,462
Other income 2,475 1,622 (1,840) 2,257
Share of profit of associated companies – – 10 10

Operating income 7,840 1,719 (1,830) 7,729
Other operating expenses (4,397) (64) 169 (4,292)

Operating profit 3,443 1,655 (1,661) 3,437
Credit loss (expense)/recovery on financial assets (186) 21 – (165)

Net profit before taxation 3,257 1,676 (1,661) 3,272
Taxation (739) (85) – (824)

Net profit after taxation 2,518 1,591 (1,661) 2,448

Investment in associated companies – – 88 88
Total assets 126,096 17,140 (16,104) 127,132
Total liabilities 110,778 4,626 (4,884) 110,520
Depreciation 434 1 3 437
Capital expenditure on premises and equipment 368 – – 368
Cash flow from operating activities 938 1,890 – 2,828
Cash flow used in investing activities (273) (329) – (602)
Cash flow from/(used in) financing activities 139 (1,371) – 1,232