(iv) Expected credit loss - Credit facilities 2023 Stage 1 Stage 2 Stage 3 Total GROUP MUR m MUR m MUR m MUR m At 1 October 2022 89.9 30.5 661.0 781.4 New assets originated 258.6 – – 258.6 Transfers on new assets originated (208.2) 12.2 196.0 – Assets derecognised or repaid (excluding write offs) (34.4) (2.0) (61.2) (97.6) Transfers to Stage 1 27.2 (6.2) (21.0) – Transfers to Stage 2 (2.6) 15.7 (13.1) – Transfers to Stage 3 (2.1) (4.0) 6.1 – Impact of impairment losses and year end ECL of exposures transferred between stages (14.3) (10.0) 75.8 51.5 Changes to estimates and assumptions used for ECL calculations 37.5 6.1 (7.8) 35.8 Exchange difference (0.4) (0.3) (1.8) (2.5) Amounts written off (0.3) (1.3) (160.9) (162.5) At 30 September 2023 150.9 40.7 673.1 864.7 2023 Stage 1 Stage 2 Stage 3 Total COMPANY MUR m MUR m MUR m MUR m At 1 October 2022 87.1 26.5 653.2 766.8 New assets originated 242.3 – – 242.3 Transfers on new assets originated (195.1) 9.5 185.6 – Assets derecognised or repaid (excluding write offs) (22.8) (3.4) (70.4) (96.6) Transfers to Stage 1 17.2 (4.4) (12.8) – Transfers to Stage 2 (2.6) 15.7 (13.1) – Transfers to Stage 3 (1.8) (3.4) 5.2 – Impact of impairment losses and year end ECL of exposures transferred between stages (14.3) (10.0) 75.8 51.5 Changes to estimates and assumptions used for ECL calculations 37.5 6.1 (7.8) 35.8 Amounts written off – – (153.1) (153.1) At 30 September 2023 147.5 36.6 662.6 846.7 2022 Stage 1 Stage 2 Stage 3 Total GROUP MUR m MUR m MUR m MUR m At 1 October 2021 50.4 39.3 386.2 475.9 New assets originated 231.6 – – 231.6 Transfers on new assets originated (198.5) 9.1 189.4 – Assets derecognised or repaid (excluding write offs) (8.7) (0.1) (4.3) (13.1) Transfers to Stage 1 13.7 (3.7) (10.0) – Transfers to Stage 2 (1.8) 3.3 (1.5) – Transfers to Stage 3 (2.4) (3.9) 6.3 – Impact of impairment losses and year end ECL of exposures transferred between stages (3.1) 1.4 120.0 118.3 Changes to estimates and assumptions used for ECL calculations 8.9 (13.9) 27.8 22.8 Amounts written off (0.2) (1.0) (52.9) (54.1) At 30 September 2022 89.9 30.5 661.0 781.4 155 OUR YEAR AT A GLANCE OUR PEOPLE GOVERNANCE FINANCIAL STATEMENTS
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