CFSL Integrated Report 2025

FINANCIAL

170

Risk Management

Corporate Governance

Statutory Disclosures

Up to 3 months

3 - 6 months

6 - 12 months

1 to 5 years

Over 5 years

GROUP

Total

MUR m MUR m MUR m MUR m MUR m MUR m

30 September 2024

Assets Cash and bank balances

514.3 345.9

– –

–

–

– –

514.3 727.6

Deposits with banks

161.7

220.0

Net investment in leases and other credit agreements

1,861.2 2,226.5

1,614.9 1,390.5

2,889.0 2,875.9

8,153.7 8,272.5

504.4

15,023.2 14,765.4

Loans and advances Investment securities

–

67.9

– –

– –

119.8

0.8

188.5 490.5

Other assets* Total assets Liabilities Bank overdrafts Other liabilities Lease liabilities Total liabilities

490.5

–

–

5,506.3

3,005.4

5,926.6

16,766.0

505.2

31,709.5

116.8

–

–

–

–

116.8

Other borrowed funds

4,203.1 1,026.3

1,627.9

2,570.8

8,593.3

280.8

17,275.9 1,159.1

85.8 13.6

13.0 27.0

34.0

–

13.5

132.2

0.3

186.6

5,359.7

1,727.3 1,278.1

2,610.8 3,315.8

8,759.5 8,006.5

281.1 224.1

18,738.4 12,971.1

Net liquidity surplus

146.6

The Group manages the net negative liquidity gaps through its undrawn bank facilities. * Other assets exclude prepayments

Up to 3 months

3 - 6 months

6 - 12 months

1 to 5 years

Over 5 years

COMPANY

Total

30 September 2025 Assets Cash and bank balances

MUR m MUR m MUR m MUR m MUR m MUR m

888.3 253.4

–

–

–

– –

888.3 639.3

112.9

222.6

50.4

Deposits with banks

Net investment in leases and other credit agreements

2,024.3 2,381.7

1,757.3 1,314.0

3,173.2 2,382.7

8,990.3 10,803.0

624.7

16,569.8 16,881.4

–

Loans and advances Investment securities

–

– –

119.9

– –

0.8

120.7 605.5

605.5

–

–

Other assets* Total assets Liabilities Bank overdrafts

6,153.2

3,184.2

5,898.4

19,843.7

625.5

35,705.0

25.4

–

–

–

–

25.4

3,401.5 1,003.7

1,742.3

2,897.0

11,565.2

0.3

19,606.3 1,448.8

Other borrowed funds

87.0 13.2

38.6 24.8

319.5

Other liabilities Lease liabilities

13.3

83.1

–

134.4

4,443.9 1,709.3

1,842.5

2,960.4

11,967.8 7,875.9

0.3

21,214.9 14,490.1

Total liabilities

1,341.7 2,938.0

625.2

Net liquidity surplus