Finance MUR m Investments MUR m Group elimination MUR m Total MUR m Year ended 30 September 2024 Interest income 3,375.7 500.0 (331.2) 3,544.5 Interest expense (847.4) (300.3) 331.2 (816.5) Net interest income 2,528.3 199.7 – 2,728.0 Lending and agency related income 467.4 28.9 – 496.3 Other income 101.3 83.4 (75.9) 108.8 Non interest income 568.7 112.3 (75.9) 605.1 Net operating income 3,097.0 312.0 (75.9) 3,333.1 Operating expenses (1,512.8) (310.1) 75.9 (1,747.0) Profit before impairment 1,584.2 1.9 – 1,586.1 Net impairment losses on financial assets (227.3) (43.1) – (270.4) Profit/(loss) after impairment 1,356.9 (41.2) – 1,315.7 Foreign exchange gain (5.0) (2.0) – (7.0) Fair value gain on investment securities – 3.3 – 3.3 Share of results of associates – (2.0) – (2.0) Profit/(loss) before tax 1,351.9 (41.9) – 1,310.0 Income tax expense (200.5) (2.5) – (203.0) Profit/(loss) for the year 1,151.4 (44.4) – 1,107.0 Assets 25,627.9 7,371.8 (7,376.5) 25,623.2 Liabilities 19,798.3 6,647.0 (7,376.5) 19,068.8 Capital expenditure 216.8 3.0 – 219.8 Investment in associates – 15.0 – 15.0 Depreciation and amortisation 195.3 21.2 – 216.5 Explanatory Notes 30 September 2024 39. BUSINESS SEGMENTS 204
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