| CIM FINANCE. INTEGRATED REPORT 2022 140 EXPLANATORY NOTES 30 SEPTEMBER 2022 4. FINANCIAL RISK MANAGEMENT (CONT’D) 4.1 Financial risk factors (Cont’d) (e) Liquidity risk (Cont’d) Contractual maturities of undiscounted cashflows of financial assets and liabilities GROUP The Group manages the net negative liquidity gaps through its undrawn bank facilities. GROUP 30 September 2022 Up to 3 months MUR m 3 - 6 months MUR m 6 - 12 months MUR m 1 to 5 years MUR m Over 5 years MUR m Total MUR m Assets Cash and bank balances 681.8 - - - - 681.8 Deposits with banks 2.1 2.1 133.0 148.0 220.2 505.4 Net investment in leases and other credit agreements 1,743.4 1,345.2 2,304.5 5,484.9 512.0 11,390.0 Loans and advances 1,544.0 1,099.8 1,835.6 5,402.8 - 9,882.2 Investments securities - 0.8 119.6 - - 120.4 Other assets 295.8 23.6 55.3 - - 374.7 Total assets 4,267.1 2,471.5 4,448.0 11,035.7 732.2 22,954.5 Liabilities Banks overdrafts 72.7 - - - - 72.7 Other borrowed funds 3,531.4 479.5 3,173.4 4,269.5 281.3 11,735.1 Other liabilities 699.2 70.3 22.4 611.0 - 1,402.9 Lease liabilities 11.3 11.4 22.6 173.2 88.3 306.8 Total liabilities 4,314.6 561.2 3,218.4 5,053.7 369.6 13,517.5 Net liquidity gap (47.5) 1,910.3 1,229.6 5,982.0 362.6 9,437.0 30 September 2021 - restated Up to 3 months MUR m 3 - 6 months MUR m 6 - 12 months MUR m 1 to 5 years MUR m Over 5 years MUR m Total MUR m Assets Cash and bank balances 341.8 - - - - 341.8 Deposits with banks 8.9 16.4 99.9 300.9 - 426.1 Net investment in leases and other credit agreements 1,739.7 1,235.7 2,196.1 4,773.2 102.7 10,047.4 Loans and advances 1,035.1 708.6 1,814.2 5,041.9 18.6 8,618.4 Investments securities - - 0.8 127.7 - 128.5 Other assets 320.7 2.3 2.6 - - 325.6 Total assets 3,446.2 1,963.0 4,113.6 10,243.7 121.3 19,887.8 Liabilities Banks overdrafts 24.5 - - - - 24.5 Other borrowed funds 2,837.0 62.6 125.2 6,501.9 280.5 9,807.2 Other liabilities 1,172.2 22.6 92.7 83.1 - 1,370.6 Lease liabilities 7.1 7.2 14.7 154.9 35.9 219.8 Total liabilities 4,040.8 92.4 232.6 6,739.9 316.4 11,422.1 Net liquidity gap (594.6) 1,870.6 3,881.0 3,503.8 (195.1) 8,465.7
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