Re­pub­lic Fi­nan­cial Hold­ings Lim­it­ed (RFHL) yes­ter­day an­nounced that the fi­nan­cial ser­vices group achieved a prof­it at­trib­ut­able to eq­ui­ty hold­ers of $2.2 bil­lion for the year end­ed Sep­tem­ber 30, 2025.

This is an in­crease of $196 mil­lion or 9.8 per cent over the 2024 re­port­ed prof­it of $2 bil­lion.

Chair­man of RFHL, Vin­cent A Pereira, said the com­pa­ny’s in­creased prof­itabil­i­ty was dri­ven by sus­tained loan growth, pru­dent risk man­age­ment and im­proved op­er­a­tional ef­fi­cien­cy.

Pereira said, “For the past fi­nan­cial year, the Re­pub­lic Fi­nan­cial Hold­ings Ltd group has de­liv­ered record re­sults, strength­ened its bal­ance sheet, and deep­ened re­la­tion­ships with our cus­tomers and com­mu­ni­ties. De­spite a dy­nam­ic and of­ten chal­leng­ing glob­al and re­gion­al eco­nom­ic en­vi­ron­ment, the group’s ex­cep­tion­al year has been one of strong per­for­mance, dis­ci­plined ex­e­cu­tion, and mean­ing­ful progress in ad­vanc­ing our strate­gic pri­or­i­ties.”

He said, “Through­out the year, we con­tin­ued to ex­e­cute on our strate­gic pri­or­i­ties, en­hanc­ing cus­tomer ex­pe­ri­ence, ac­cel­er­at­ing dig­i­tal trans­for­ma­tion, and em­bed­ding sus­tain­abil­i­ty and good gov­er­nance at the core of our op­er­a­tions. We al­so recog­nise that our suc­cess is re­al­ly mea­sured by the pos­i­tive im­pact we cre­ate in the com­mu­ni­ties we serve. Through our so­cial in­vest­ment pro­grammes and part­ner­ships, we con­tin­ued to sup­port na­tion­al com­mu­ni­ties, youth de­vel­op­ment, and small busi­ness growth, help­ing to build more in­clu­sive and re­silient economies every­where we op­er­ate.”

Pereira, how­ev­er, not­ed there were chal­leng­ing eco­nom­ic head­winds as he stat­ed, “While glob­al un­cer­tain­ties and mar­ket volatil­i­ty will per­sist, we re­main con­fi­dent in our abil­i­ty to nav­i­gate change and seize new op­por­tu­ni­ties. Our strate­gic fo­cus re­mains clear; to de­liv­er sus­tain­able val­ue to our share­hold­ers, pro­vide ex­cep­tion­al ser­vice to our cus­tomers, and fos­ter a cul­ture of in­tegri­ty, in­no­va­tion, and in­clu­sion across the or­gan­i­sa­tion.”

Pereira added, “RFHL’s cap­i­tal and liq­uid­i­ty po­si­tions re­main ro­bust, pro­vid­ing a sol­id foun­da­tion for con­tin­ued growth and in­no­va­tion, and our cap­i­tal ad­e­qua­cy ra­tios re­main ro­bust across all 16 coun­tries where we op­er­ate and at the con­sol­i­dat­ed lev­el.”

RFHL said based on these re­sults, the Board of Di­rec­tors has de­clared a fi­nal div­i­dend of $3.85 per share, bring­ing the to­tal div­i­dend to $6.00 per share for the fis­cal year (2024: $5.70), an in­crease of 5.3 per cent or $0.30, over the pre­vi­ous year. With a clos­ing share price of $106.62, this equates to a div­i­dend yield of 5.63 per cent (2024: 5.09 per cent) and a to­tal an­nu­al div­i­dend pay­ment of $983 mil­lion (2024: $933 mil­lion). The fi­nal div­i­dend will be paid on De­cem­ber 5, 2025, to share­hold­ers on record as of No­vem­ber 21, 2025.