(b) Corporate credit facilities continued (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 2024 Stage 1 MUR m Stage 2 MUR m Stage 3 MUR m Total MUR m Performing 1,288.9 – – 1,288.9 Watchlist – 169.3 – 169.3 Non-performing – – 169.2 169.2 1,288.9 169.3 169.2 1,627.4 GROUP 2023 Stage 1 MUR m Stage 2 MUR m Stage 3 MUR m Total MUR m Performing 737.1 – – 737.1 Watchlist – 9.9 – 9.9 Non-performing – – 162.3 162.3 737.1 9.9 162.3 909.3 COMPANY 2024 Stage 1 MUR m Stage 2 MUR m Stage 3 MUR m Total MUR m Performing 308.4 – – 308.4 Watchlist – 25.6 – 25.6 Non-performing – – 334.1 334.1 308.4 25.6 334.1 668.1 COMPANY 2023 Stage 1 MUR m Stage 2 MUR m Stage 3 MUR m Total MUR m Performing 199.6 – – 199.6 Watchlist – 4.4 – 4.4 Non-performing – – 342.0 342.0 199.6 4.4 342.0 546.0 Explanatory Notes 30 September 2024 16. LOANS AND ADVANCES continued 170
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