Annual Report 2019

Explanatory Notes 30 SEPTEMBER 2019 4. FINANCIAL RISK MANAGEMENT (CONT’D) 4.1 Financial risk factors (cont’d) (e) Liquidity risk (Cont’d) Contractual maturities of undiscounted cash flows of financial assets and liabilities GROUP Up to 1 year 1 to 5 years Over 5 years Total 30 September 2019 MUR m MUR m MUR m MUR m Assets Cash and bank balances 444.5 - - 444.5 Deposits with banks 19.1 528.8 - 547.9 Net investment in leases and other credit agreements 5,164.2 5,226.6 135.5 10,526.3 Loans and advances 2,259.7 2,406.8 35.2 4,701.7 Investments in financial assets - 8.1 - 8.1 Other assets 376.6 - - 376.6 Total assets 8,264.1 8,170.3 170.7 16,605.1 Liabilities Deposits from customers - - - - Other borrowed funds 4,841.9 4,578.2 - 9,420.1 Other liabilities 1,256.5 - - 1,256.5 Total liabilities 6,098.4 4,578.2 - 10,676.6 Net liquidity gap 2,165.7 3,592.1 170.7 5,928.5 GROUP Up to 1 year 1 to 5 years Over 5 years Total 30 September 2018 MUR m MUR m MUR m MUR m Assets Cash and bank balances 526.1 - - 526.1 Deposits with banks 548.4 489.1 57.3 1,094.8 Net investment in leases and other credit agreements 4,875.3 4,104.3 85.1 9,064.7 Loans and advances 1,790.2 1,748.0 42.0 3,580.2 Investments in financial assets 1,598.2 - 1.2 1,599.4 Other assets 605.5 - - 605.5 Total assets 9,943.7 6,341.4 185.6 16,470.7 Liabilities Deposits from customers 1,308.8 2,750.5 - 4,059.3 Other borrowed funds 5,052.8 999.7 - 6,052.5 Other liabilities 1,220.6 - - 1,220.6 Total liabilities 7,582.2 3,750.2 - 11,332.4 Net liquidity gap 2,361.5 2,591.2 185.6 5,138.3 CIM FINANCIAL SERVICES LTD / ANNUAL REPORT 2019 105