GROUP 2023 Stage 1 MUR m Stage 2 MUR m Stage 3 MUR m Total MUR m At 1 October 2022 8.6 0.6 47.0 56.2 Effect of acquisition of subsidiary – 0.5 73.9 74.4 New assets originated (2.7) – – (2.7) Transfers on new assets originated 11.3 (0.4) (10.9) – Assets derecognised or repaid (excluding write offs) (4.1) (0.5) (9.8) (14.4) Impact of impairment losses and year end ECL of exposures transferred between stages – – 0.5 0.5 Amount written off – – (2.7) (2.7) Changes to estimates and assumptions used for ECL calculations (0.9) – 9.8 8.9 At 30 September 2023 12.2 0.2 107.8 120.2 COMPANY 2024 Stage 1 MUR m Stage 2 MUR m Stage 3 MUR m Total MUR m At 1 October 2023 11.9 – 270.5 282.4 New assets originated 8.5 0.5 1.6 10.6 Assets derecognised or repaid (excluding write offs) (2.3) – (0.8) (3.1) Transfers to Stage 1 1.0 – (1.0) – Transfers to Stage 2 (0.1) 11.0 (10.9) – Transfers to Stage 3 (0.1) (0.1) 0.2 – Impact of impairment losses and year end ECL of exposures transferred between stages (1.0) (1.9) 3.9 1.0 Amounts written off – – (3.5) (3.5) Changes to estimates and assumptions used for ECL calculations (4.0) (0.1) 64.3 60.2 At 30 September 2024 13.9 9.4 324.3 347.6 COMPANY 2023 Stage 1 MUR m Stage 2 MUR m Stage 3 MUR m Total MUR m At 1 October 2022 34.9 0.6 46.8 82.3 New assets originated 217.5 – – 217.5 Transfers on new assets originated (208.9) (0.6) 209.5 – Assets derecognised or repaid (excluding write offs) (4.1) – (9.8) (13.9) Transfers to Stage 3 (26.2) – 26.2 – Impact of impairment losses and year end ECL of exposures transferred between stages – – 1.3 1.3 Amounts Written off – – (3.5) (3.5) Changes to estimates and assumptions used for ECL calculations (1.3) – – (1.3) At 30 September 2023 11.9 – 270.5 282.4 173 Introduction Group Overview Leadership Strategy & Performance Risk Management Corporate Governance Statutory Disclosures Financial
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