CFSL Integrated Report 2025

FINANCIAL

172

Risk Management

Corporate Governance

Statutory Disclosures

5.

NET INTEREST INCOME (a) Interest income

GROUP

COMPANY

Sep-25 MUR m 2,082.7

Sep-25 MUR m 1,891.9

Sep-24 MUR m 1,678.6

Sep-24 MUR m 1,509.1

Credit facilities

36.8 72.9 11.5 47.0

54.0 72.9 11.5 47.0

27.5 67.6

41.0 67.6

Corporate credit facilities

Credit cards

8.9

8.9

Factoring

42.1

42.1

Placements with financial institutions

345.0

345.0

295.2

295.2

Finance leases

1,639.1 4,235.0

1,639.1 4,061.4

1,424.6 3,544.5

1,424.6 3,388.5

Other credit agreements

Analysed as follows: Recognised in the Cash Flow as received

4,245.3

4,071.7

3,536.1

3,380.1

(10.3)

(10.3)

8.4

8.4

Accrued

4,235.0

4,061.4

3,544.5

3,388.5

Interest expense

(b)

GROUP

COMPANY

Sep-25 MUR m

Sep-25 MUR m

Sep-24 MUR m

Sep-24 MUR m

NOTES

15.4

2.4

8.8

1.4

Bank overdrafts

443.5

403.4

338.2

327.5

Bank loans Other loans

–

5.4

1.4

5.5

521.3

521.3

457.3

457.3

Bond

8.5

8.2

24(b)

10.8

10.4

Leases

988.7

940.7

816.5

802.1

Analysed as follows: Recognised in the Cash Flow as paid

891.2

843.1

732.5

732.1

97.5

97.6

84.0

70.0

Accrued

988.7

940.7

816.5

802.1

3,246.3

3,120.7

2,728.0

2,586.4

Net interest income

6.

LENDING AND AGENCY RELATED INCOME

GROUP

COMPANY

Sep-25 MUR m

Sep-25 MUR m

Sep-24 MUR m

Sep-24 MUR m

Income for services provided over time Income relating to merchant and agency activities Income for services provided at a point in time Income relating to factoring activities

437.8

437.8

363.8

363.8

13.8 16.6

13.8 16.6

9.2

9.2

13.8

13.8

Others

Other income provided at a point in time Other fees*

124.4 592.6

91.7

109.5 496.3

80.6

559.9

467.4

*Other fees include late payment fees and fees related to other credit agreements.