Page 39 - RFHL ANNUAL REPORT 2025 ONLINE_NEW
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        Net profit attributable to equity holders of the Parent
        All figures are stated in TT$ millions

                                                                  2025        2024      Change     % Change

        Profitability
        Net interest income                                      5,462        5,066         396           7.8
        Other income                                             2,257         2,101        156           7.4
        Share of profits of associated companies                    10           9            1           11.1
        Less:
          –   Operating expenses                                 4,292        4,034        (258)         -6.4
          –   Credit loss expense on financial assets              165          109         (56)        -51.4
          –   Net monetary loss                                      –          25           25         100.0

        Profit before taxation                                   3,272        3,008         264          8.8
        Less Taxation                                              824         736          (88)        -12.0


        Profit after taxation                                    2,448        2,272         176           7.7
        Less Non-controlling interest                              246         267           21           7.9


        Profit attributable to equity holders of the Parent      2,202        2,005         197          9.8

        Trinidad and Tobago                                      2,434        2,778        (344)        -12.4
        Barbados                                                   383          213         170          79.8
        Guyana                                                     140          124          16          12.9
        Cayman Islands                                             429         368           61          16.6
        Eastern Caribbean                                          196          194           2           1.0
        Suriname                                                   117           51          66         129.4
        Ghana                                                       85          60           25          41.7
        British Virgin Islands                                      89          89            –            –
        Less eliminations and other adjustments                   1,671       1,872         201         -10.7


        Total                                                    2,202        2,005          197         9.8



        The following is a detailed discussion and analysis of the financial results of RFHL and its subsidiaries. This should be read in
        conjunction with the audited Consolidated financial statements, contained on pages 100 to 202 of this report. All amounts
        are stated in Trinidad and Tobago dollars.


                                                                    105.1            DEPOSITS & FUNDING (TT$B)






                                                                    16.6             TOTAL EQUITY (TT$B)
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