180 C I M F I N A N C I A L S E R V I C E S L T D Finance Investments Group elimination Total MUR m MUR m MUR m MUR m Year ended 30 September 2021 Interest income 1,912.7 294.4 (277.9) 1,929.2 Interest expense (457.6) (216.4) 277.9 (396.1) Net interest income 1,455.1 78.0 - 1,533.1 Lending and agency related income 592.7 3.4 - 596.1 Other income 123.1 80.8 (74.0) 129.9 Net operating income 2,170.9 162.2 (74.0) 2,259.1 Operating expenses (1,091.2) (192.0) 74.0 (1,209.2) Profit/(loss) before impairment 1,079.7 (29.8) - 1,049.9 Net impairment losses on financial assets (534.9) (5.1) - (540.0) Profit/(loss) after impairment 544.8 (34.9) - 509.9 Foreign exchange gain 5.2 0.2 - 5.4 Share of results of associates - (3.8) - (3.8) Profit/(loss) before tax 550.0 (38.5) - 511.5 Income tax expense (88.9) (5.5) - (94.4) Profit/(loss) for the year 461.1 (44.0) - 417.1 Assets 16,262.1 6,754.8 (6,369.4) 16,647.5 Liabilities 13,386.2 5,065.6 (6,391.8) 12,060.0 Capital expenditure 72.6 1.9 - 74.5 Depreciation and amortisation 202.5 9.8 - 212.3 37. BUSINESS SEGMENTS 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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