4 FINANCIAL RISK MANAGEMENT Continued 4.1 Financial risk factors Continued EXPLANATORY NOTES 30 SEPTEMBER 2023 Contractual maturities of undiscounted cash flows of financial assets and liabilities Continued GROUP Up to 3 months 3 - 6 months 6 - 12 months 1 to 5 years Over 5 years Total 30 September 2022 MUR m MUR m MUR m MUR m MUR m 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 Investment 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 Bank 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 *The Group manages the net negative liquidity gaps through its undrawn bank facilities. COMPANY Up to 3 months 3 - 6 months 6 - 12 months 1 to 5 years Over 5 years Total 30 September 2023 MUR m MUR m MUR m MUR m MUR m MUR m Assets Cash and bank balances 304.7 – – – – 304.7 Deposits with banks 136.7 – 130.4 220.0 – 487.1 Net investment in leases and other credit agreements 1,777.3 1,459.4 2,574.5 6,908.0 369.4 13,088.6 Loans and advances 1,872.2 969.9 1,858.3 6,739.7 4.8 11,444.9 Investment securities – – – 119.7 0.8 120.5 Other assets 504.7 – – – – 504.7 Total assets 4,595.6 2,429.3 4,563.2 13,987.4 375.0 25,950.5 Liabilities Bank overdrafts 119.7 – – – – 119.7 Other borrowed funds 5,865.5 487.9 592.5 6,118.4 280.5 13,344.8 Other liabilities 891.4 50.0 14.2 228.2 – 1,183.8 Lease liabilities 11.7 11.6 22.6 157.8 2.5 206.2 Total liabilities 6,888.3 549.5 629.3 6,504.4 283.0 14,854.5 Net liquidity gap (2,292.7) 1,879.8 3,933.9 7,483.0 92.0 11,096.0 136 CIM FINANCE ANNUAL REPORT
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