Page 198 - RFHL ANNUAL REPORT 2025 ONLINE_NEW

196 • Republic Financial Holdings Limited 2025 Annual Report • FINANCIALS

Notes to the Consolidated Financial Statements

For the year ended September 30, 2025. Expressed in millions of Trinidad and Tobago dollars, except where otherwise stated.

27 Segmental information (continued)
ii By class of business (continued)

Retail and Other Eliminations
commercial financial and other
2024 banking services adjustments Total

Interest income 5,932 255 (51) 6,136
Interest expense (996) (125) 51 (1,070)

Net interest income 4,936 130 – 5,066
Other income 2,500 1,666 (2,065) 2,101
Share of profit of associated companies – – 9 9

Operating income 7,436 1,796 (2,056) 7,176
Other operating expenses (4,199) (28) 193 (4,034)

Operating profit 3,237 1,768 (1,863) 3,142
Credit loss expense on financial assets (2) (107) – (109)
Net monetary loss in hyperinflationary economies (25) – – (25)

Net profit before taxation 3,210 1,661 (1,863) 3,008
Taxation (660) (76) – (736)

Net profit after taxation 2,550 1,585 (1,863) 2,272

Investment in associated companies – – 78 78
Total assets 117,988 16,151 (15,599) 118,540
Total liabilities 104,038 3,749 (4,732) 103,055
Depreciation 425 1 3 429
Capital expenditure on premises and equipment 387 – – 387
Cash flow from operating activities 256 1,042 – 1,298
Cash flow (used in)/from investing activities (1,587) 798 – (789)
Cash flow from/(used in) financing activities 600 (2,041) – (1,441)