GROUP 2023 Stage 1 MUR m Stage 2 MUR m Stage 3 MUR m Total MUR m At 1 October 2022 2,693.5 299.1 252.1 3,244.7 New assets originated or purchased 1,559.1 – – 1,559.1 Transfers on new assets originated or purchased (74.4) 43.6 30.8 – Assets derecognised or repaid (excluding write offs) (961.4) (83.5) (130.1) (1,175.0) Transfers to Stage 1 147.2 (114.0) (33.2) – Transfers to Stage 2 (83.1) 103.1 (20.0) – Transfers to Stage 3 (75.1) (84.3) 159.4 – Amounts written off (0.2) (0.4) (4.8) (5.4) At 30 September 2023 3,205.6 163.6 254.2 3,623.4 COMPANY 2023 Stage 1 MUR m Stage 2 MUR m Stage 3 MUR m Total MUR m At 1 October 2022 1,819.4 232.7 189.5 2,241.6 Amalgamation adjustment 862.0 65.9 60.6 988.5 New assets originated or purchased 1,573.7 – – 1,573.7 Transfers on new assets originated or purchased (76.9) 44.1 32.8 – Assets derecognised or repaid (excluding write offs) (961.4) (83.5) (130.1) (1,175.0) Transfers to Stage 1 147.2 (114.0) (33.2) – Transfers to Stage 2 (83.1) 103.1 (20.0) – Transfers to Stage 3 (75.1) (84.3) 159.4 – Amounts written off (0.2) (0.4) (4.8) (5.4) At 30 September 2023 3,205.6 163.6 254.2 3,623.4 Expected credit loss GROUP AND COMPANY 2024 Stage 1 MUR m Stage 2 MUR m Stage 3 MUR m Total MUR m At 1 October 2023 39.0 11.1 109.3 159.4 New assets originated or purchased 30.8 3.1 13.1 47.0 Assets derecognised or repaid (excluding write offs) (3.9) (0.3) (43.2) (47.4) Transfers to Stage 1 16.8 (8.1) (8.7) – Transfers to Stage 2 (0.3) 7.3 (7.0) – Transfers to Stage 3 – (0.3) 0.3 – Impact of year end ECL of exposures transferred between stages (16.5) (6.4) 5.4 (17.5) Changes to estimates and assumptions used for ECL calculations (6.3) (0.3) – (6.6) Amounts written off (0.3) – (4.4) (4.7) At 30 September 2024 59.3 6.1 64.8 130.2 161 Introduction Group Overview Leadership Strategy & Performance Risk Management Corporate Governance Statutory Disclosures Financial
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