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of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails2jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=3Page 3button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=3 data-page=3 class=ts-thumb lazyload alt=Page 3: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails3jpg 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Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails5jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=6Page 6button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=6 data-page=6 class=ts-thumb lazyload alt=Page 6: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC 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data-page=8 class=ts-thumb lazyload alt=Page 8: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails8jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=9Page 9button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=9 data-page=9 class=ts-thumb lazyload alt=Page 9: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy 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In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails12jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=13Page 13button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=13 data-page=13 class=ts-thumb lazyload alt=Page 13: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails13jpg width=140 height=200 divdivdiv 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the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails15jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=16Page 16button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=16 data-page=16 class=ts-thumb lazyload alt=Page 16: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC 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In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails22jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=23Page 23button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=23 data-page=23 class=ts-thumb lazyload alt=Page 23: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails23jpg width=140 height=200 divdivdiv 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the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails25jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=26Page 26button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=26 data-page=26 class=ts-thumb lazyload alt=Page 26: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC 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data-page=28 class=ts-thumb lazyload alt=Page 28: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails28jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=29Page 29button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=29 data-page=29 class=ts-thumb lazyload alt=Page 29: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy 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In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails32jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=33Page 33button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=33 data-page=33 class=ts-thumb lazyload alt=Page 33: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails33jpg width=140 height=200 divdivdiv 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the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails35jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=36Page 36button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=36 data-page=36 class=ts-thumb lazyload alt=Page 36: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails36jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=37Page 37button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=37 data-page=37 class=ts-thumb lazyload alt=Page 37: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails37jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=38Page 38button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=38 data-page=38 class=ts-thumb lazyload alt=Page 38: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails38jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=39Page 39button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=39 data-page=39 class=ts-thumb lazyload alt=Page 39: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy 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div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=41 data-page=41 class=ts-thumb lazyload alt=Page 41: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails41jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=42Page 42button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=42 data-page=42 class=ts-thumb lazyload alt=Page 42: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails42jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=43Page 43button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=43 data-page=43 class=ts-thumb lazyload alt=Page 43: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails43jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=44Page 44button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=44 data-page=44 class=ts-thumb lazyload alt=Page 44: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails44jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=45Page 45button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=45 data-page=45 class=ts-thumb lazyload alt=Page 45: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails45jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=46Page 46button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=46 data-page=46 class=ts-thumb lazyload alt=Page 46: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails46jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=47Page 47button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=47 data-page=47 class=ts-thumb lazyload alt=Page 47: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails47jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=48Page 48button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=48 data-page=48 class=ts-thumb lazyload alt=Page 48: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails48jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=49Page 49button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=49 data-page=49 class=ts-thumb lazyload alt=Page 49: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy 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div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=51 data-page=51 class=ts-thumb lazyload alt=Page 51: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails51jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=52Page 52button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=52 data-page=52 class=ts-thumb lazyload alt=Page 52: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails52jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=53Page 53button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=53 data-page=53 class=ts-thumb lazyload alt=Page 53: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails53jpg width=140 height=200 divdivdiv 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the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader034vdocumentsusreader034viewer20220422005e9f741924b7a8049f181b5fhtml5thumbnails55jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=56Page 56button div class=ts-imageimg data-url=independent-auditors-report-to-the-shareholders-of-cavmont-bank-limited-reporthtmlpage=56 data-page=56 class=ts-thumb lazyload alt=Page 56: · Independent auditors report TO the Shareholders of Cavmont Bank Limited Report on the audit of the consol ated financial statements Our opinion In our opinion the Banks financial loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC 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