Page 50 - RFHL ANNUAL REPORT 2025 ONLINE_NEW

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

Group President and CEO’s Discussion and Analysis

I take this opportunity to express my sincere appreciation to
With a strong, diversified asset base, disciplined cost our Board of Directors for their guidance and oversight, to our
management, and a committed team, the Group was management team for their commitment and leadership, and
well-placed to deliver another year of solid results. to all members of staff for their hard work, professionalism,
We remain confident in our ability to create long- and unwavering dedication to our customers and the Group’s
term value for shareholders, support our customers success.
through changing economic cycles, and contribute
meaningfully to the region’s development.

NIGEL M. BAPTISTE
growth in those economies. At the same time, we remain
vigilant to external risks, including global inflation trends, GROUP PRESIDENT AND CEO
monetary tightening, potential supply chain disruptions and
geopolitical tensions in neighboring countries that may affect
our clients and the sectors we serve. Against this backdrop,
we will continue to explore opportunities to grow our business
and support our customers.

The Group’s capital position, liquidity buffers, and asset
quality remain strong, allowing us to prudently support
credit expansion in key sectors that contribute to sustainable
economic growth. We will continue to focus on cost discipline
and portfolio diversification. As we move forward, our priorities
remain clear in strengthening our core, transforming with
purpose, and growing responsibly. Guided by our strategic
plan, the Group is confident in its ability to navigate change,
seize opportunities, and build on its track record of stability,
innovation, and trusted financial stewardship.

With a strong, diversified asset base, disciplined cost
management, and a committed team, the Group was
well-placed to deliver another year of solid results. We
remain confident in our ability to create long-term value
for shareholders, support our customers through changing
economic cycles, and contribute meaningfully to the region’s
development.