Integrated Report 2020

INTEGRATED REPORT 2020 CIM FINANCIAL SERVICES LTD Explanatory Notes 30 SEPTEMBER 2020 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 30 September 2020 Up to 1 year MUR m 1 to 5 years MUR m Over 5 years MUR m Total MUR m Assets Cash and bank balances 460.7 - - 460.7 Deposits with banks 310.6 199.6 - 510.2 Net investment in leases and other credit agreements 5,247.9 5,081.7 114.5 10,444.1 Loans and advances 2,809.1 3,833.8 24.3 6,667.2 Investments in financial assets 20.8 8.1 - 28.9 Other assets 313.2 - - 313.2 Total assets 9,162.3 9,123.2 138.8 18,424.3 Liabilities Other borrowed funds 4,681.1 4,875.0 280.5 9,836.6 Other liabilities 1,073.8 - - 1,073.8 Total liabilities 5,754.9 4,875.0 280.5 10,910.4 Net liquidity gap 3,407.4 4,248.2 (141.7) 7,513.9 30 September 2019 Up to 1 year MUR m 1 to 5 years MUR m Over 5 years MUR m Total 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 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 106