134 C I M F I N A N C I A L S E R V I C E S L T D GROUP COMPANY (a) Interest income Sep-21 MUR m Sep-20 MUR m Sep-21 MUR m Sep-20 MUR m Credit facilities 850.2 823.9 830.4 - Corporate credit facilities 9.9 8.7 19.5 199.5 Credit cards 65.7 67.8 65.7 - Factoring 8.0 16.5 8.0 - Placements with financial institutions 12.1 16.4 11.6 - Finance leases 173.8 216.1 173.8 - Other credit agreements 807.0 565.3 807.0 - Debt at FVTPL 2.5 - 0.5 0.3 1,929.2 1,714.7 1,916.5 199.8 Analysed as follows: Recognised in the Cash Flow as received 982.1 603.0 981.3 122.9 Accrued 947.1 1,111.7 935.2 76.9 1,929.2 1,714.7 1,916.5 199.8 GROUP COMPANY Sep-21 MUR m Sep-20 MUR m Sep-21 MUR m Sep-20 MUR m Operating lease income 112.7 129.7 112.7 - Leasing residual value 6.9 5.7 6.9 - Others 8.0 16.1 3.1 - Profit on disposal of property, plant and equipment 2.3 2.4 2.3 - 129.9 153.9 125.0 - *Main components of others include management fees, secretarial fees and administration fees. GROUP COMPANY (b) Interest expense Sep-21 MUR m Sep-20 MUR m Sep-21 MUR m Sep-20 MUR m Bank overdrafts 1.1 3.3 0.4 - Bank loans 193.0 313.0 193.0 138.8 Other loans 0.1 0.3 0.4 - Bond 190.6 103.7 190.6 - Leases 23 11.3 11.1 11.1 - 396.1 431.4 395.5 138.8 Analysed as follows: Recognised in the Cash Flow as paid 290.6 322.4 290.5 77.6 Accrued 105.5 109.0 105.0 61.2 396.1 431.4 395.5 138.8 Net interest income 1,533.1 1,283.3 1,521.0 61.0 GROUP COMPANY Sep-21 MUR m Sep-20 MUR m Sep-21 MUR m Sep-20 MUR m Income for services provided over time Income relating to merchant and agency activities 426.1 454.5 426.1 - Income for services provided at a point in time Income relating to factoring activities 10.3 11.0 10.3 - Others 25.3 76.6 25.3 - Other income Other fees 134.4 102.7 120.4 - 596.1 644.8 582.1 - Merchant and other income are recognised and released to profit and loss in accordance with note 2.8(e). Other fees include late payment fees, commitment fees and fees related to other credit agreements. 5. NET INTEREST INCOME 6. LENDING AND AGENCY RELATED INCOME 7. OTHER INCOME Explanatory Notes 30 SEPTEMBER 2021 E x p l a n a t o r y N o t e s
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