| CIM FINANCE. INTEGRATED REPORT 2022 160 EXPLANATORY NOTES 30 SEPTEMBER 2022 16. LOANS AND ADVANCES (CONT’D) (b) Corporate credit facilities (i) Corporate loans receivables breakdown before impairment: (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 2022 Stage 1 Stage 2 Stage 3 TOTAL MUR m MUR m MUR m MUR m Performing 112.1 - 112.1 Watchlist - 1.6 - 1.6 Non-performing - - 88.8 88.8 112.1 1.6 88.8 202.5 COMPANY 2022 Stage 1 Stage 2 Stage 3 TOTAL MUR m MUR m MUR m MUR m Performing 1,233.3 - - 1,233.3 Watchlist - 2.4 - 2.4 Non-performing - - 89.2 89.2 1,233.3 2.4 89.2 1,324.9 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 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 GROUP COMPANY Sep-22 MUR m Sep-21 MUR m Sep-22 MUR m Sep-21 MUR m Within one year 123.7 92.2 160.2 119.4 After one year and before five years 74.4 58.3 959.4 259.2 After five years 4.4 11.7 205.3 11.7 202.5 162.2 1,324.9 390.3
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