149 I N T E G R A T E D R E P O R T 2 0 2 1 Explanatory Notes 30 SEPTEMBER 2021 E x p l a n a t o r y N o t e s 16. LOANS AND ADVANCES (CONT’D) (b) Corporate Credit Facilities (i) Corporate loans receivables breakdown before impairment: GROUP COMPANY Sep-21 MUR m Sep-20 MUR m Sep-21 MUR m Sep-20 MUR m Within one year 92.2 46.9 119.4 3,130.7 After one year and before five years 58.3 65.5 259.2 1,775.1 After five years 11.7 14.5 11.7 2,414.7 162.2 126.9 390.3 7,320.5 (ii) Credit quality - Corporate Credit facilities The table below shows the credit quality and the maximum exposure to credit risk based on the Group’s internal credit rating system and year end stage classification. The amounts presented are gross of impairment allowances. Details of the Group’s internal grading system and policies on whether ECL allowances are calculated on an individual or collective basis are set out in Note 4.1 (d). GROUP 2021 Stage 1 Stage 2 Stage 3 TOTAL MUR m MUR m MUR m MUR m Performing 74.0 - - 74.0 Watchlist - 0.3 - 0.3 Non-performing - - 87.9 87.9 74.0 0.3 87.9 162.2 GROUP 2020 Stage 1 Stage 2 Stage 3 TOTAL MUR m MUR m MUR m MUR m Performing 69.9 - - 69.9 Non-performing - - 57.0 57.0 69.9 - 57.0 126.9 COMPANY 2021 Stage 1 Stage 2 Stage 3 TOTAL MUR m MUR m MUR m MUR m Performing 302.0 - - 302.0 Watchlist - 0.3 - 0.3 Non-performing - - 88.0 88.0 302.0 0.3 88.0 390.3 COMPANY 2020 Stage 1 Stage 2 Stage 3 TOTAL MUR m MUR m MUR m MUR m Performing 7,320.5 - - 7,320.5
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