40 BUSINESS SEGMENTS Finance Investments Group elimination Total MUR m MUR m MUR m MUR m Year ended 30 September 2023 Interest income 2,888.5 347.5 (281.4) 2,954.6 Interest expense (620.7) (239.7) 281.4 (579.0) Net interest income 2,267.8 107.8 – 2,375.6 Lending and agency related income 416.5 14.1 – 430.6 Other income 102.3 106.6 (99.2) 109.7 Non interest income 518.8 120.7 (99.2) 540.3 Net operating income 2,786.6 228.5 (99.2) 2,915.9 Operating expenses (1,347.7) (235.7) 99.2 (1,484.2) Profit/(loss) before impairment 1,438.9 (7.2) – 1,431.7 Net impairment losses on financial assets (284.0) (44.2) – (328.2) Profit/(loss) after impairment 1,154.9 (51.4) – 1,103.5 Foreign exchange gain 4.6 0.9 – 5.5 Gain on bargain purchase – 18.5 – 18.5 Fair value gain on investment securities – 2.9 – 2.9 Share of results of associates – (3.2) – (3.2) Profit/(loss) before tax 1,159.5 (32.3) – 1,127.2 Income tax expense (165.8) (0.4) – (166.2) Profit/(loss) for the year 993.7 (32.7) – 961.0 Assets 21,576.6 7,323.8 (7,317.7) 21,582.7 Liabilities 16,899.7 6,184.9 (7,317.7) 15,766.9 Capital expenditure 232.2 0.8 – 233.0 Investment in associates – 14.0 – 14.0 Depreciation and amortisation 186.2 7.8 – 194.0 EXPLANATORY NOTES 30 SEPTEMBER 2023 196 CIM FINANCE ANNUAL REPORT
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