Page 32 - RFHL ANNUAL REPORT 2025 ONLINE_NEW

30 • Republic Financial Holdings Limited 2025 Annual Report • EXECUTIVE REPORTS

Chairman’s Review

VINCENT A. PEREIRA

Chairman

Creating opportunity

for those we serve

Dear Shareholders,

This has been an exceptional year for the Republic Financial As a Caribbean based institution, we take pride in our purpose
Holdings Limited Group (RFHL). beyond profit to empower people, strengthen communities,
and enable sustainable growth. Through the Power to Make
On behalf of the Board of Directors, our Leadership Teams and a Difference (PMAD) initiative, we invested over US$4.2
all our terrific RFHL team members, I am thrilled to share your million across the Group in community initiatives, focusing
Group’s 2025 Annual Report. Despite a dynamic and often on education, youth empowerment, and financial literacy.
challenging global and regional environment, RFHL delivered In addition to serving our communities, we continued to
record results, strengthened its balance sheet and deepened advance our Environmental, Social, and Governance (ESG)
relationships with our cherished customers and communities. agenda, integrating sustainability principles into lending
practices, operations, and governance.
It was a year that showcased strong performance, disciplined
execution in advancing our strategic priorities, strengthening Across the Group, the 16 countries where we operate continue
our digital capabilities, improving customer experience and to demonstrate resilience amid shifting global economic
deepening regional integration across our many operating conditions. While we anticipate continued volatility in interest
subsidiaries. All of this enabled by our incredible people, rates and foreign exchange markets, we remain confident in
our ongoing digital transformation and our future focused the strength of our fundamentals and the soundness of our
strategy. Across the Group our teams are enabling distinctive strategy. Our priorities for the year ahead include accelerating
performance, sustainable value-led growth and overall, our digital transformation, expanding regional connectivity,
continuing to make our Group stronger and better. The and enhancing value creation for shareholders through
Group’s success in 2025 reflects the resilience of our business sustainable growth and disciplined execution.
model, the strength, depth and discipline of our leadership
team and the unwavering trust and support of our customers
and shareholders. Our strategy is working.