Page 37 - RFHL ANNUAL REPORT 2025 ONLINE_NEW

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their committed leadership that continues to propel RFHL to Making a Difference
greater and greater success.
in the communities
And never forgetting the driving force of our organisation, our we serve
staff. It is your dedication, committed effort and unwavering
focus on excellence that has enabled the Group to once again
deliver exceptional results, maintain the trust of our customers,
and continue to innovate in an ever-evolving environment.
Thank you, each and every one of you, for your contribution to
our shared achievements and for upholding the values that
define RFHL.

Together, we remain confident in the Group’s ability to build
on its achievements and deliver sustained growth in the years
ahead.

On behalf of the Board of Directors, I also extend my sincere
appreciation to our valued shareholders for their continued
confidence, to our customers for their trust and loyalty, and
to our business partners and regulators for their collaboration
and support. Your commitment and engagement are the
foundations of our success and we deeply appreciate the
confidence and trust you repose in us. They strengthen our
ability to serve, innovate, and deliver value-led growth now
and for many years to come.

Serving as Chairman of the Republic Financial Holdings Change begins with action—and
Limited Group has been a profound privilege and a great our people are leading the way.
honour for me. I am extremely thankful to our Directors,
past and present, for their leadership and contributions that Through our Power to Make a
have gotten us to this most amazing point in our Group’s Difference programme, Republic
journey, a journey that now spans over 185 years and looks Bank continues to champion
to a future that is as compelling. None of this would be sustainability and community care,
possible without the commitment and energy of each and from beach clean-ups to outreach
every member of team RFHL. It is their passion and purpose initiatives. Our commitment reflects
that continues to propel this terrific organisation to greater a modern vision of banking—where
and greater accomplishment. As I retire, I will now look on
from the sidelines as a proud RFHL shareholder, with keen transformation isn’t just digital, but
interest in how Nigel, his leadership team and the thousands rooted in persistence, progress, and
of incredible RFHL colleagues forge new pathways to add the promise of a better tomorrow.
value and make an impact. I look forward to seeing continued
growth of the RFHL Group.

VINCENT A. PEREIRA
CHAIRMAN