| A | B | C | D | E | F | G | H | I | J | K | L | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
1 | 2020 | 2019 | 2018 | |||||||||
2 | Segment A | Segment B | Total | Segment A | Segment B | Total | Segment A | Segment B | Total | |||
3 | I | INTEREST INCOME | MUR'000 | MUR'000 | MUR'000 | MUR'000 | MUR'000 | MUR'000 | MUR'000 | MUR'000 | MUR'000 | |
4 | ||||||||||||
5 | Interest income on financial instruments measured at amortised cost: | |||||||||||
6 | ||||||||||||
7 | - Due from banks | 206,060 | 617,853 | 823,913 | 240,066 | 703,835 | 943,901 | 85,813 | 388,003 | 473,816 | ||
8 | - Loans and advances to banks | 14,985 | 174,914 | 189,899 | - | 214,044 | 214,044 | - | 174,192 | 174,192 | ||
9 | - Loans and advances to customers | 468,684 | 451,013 | 919,697 | 507,356 | 543,129 | 1,050,485 | 467,559 | 597,662 | 1,065,221 | ||
10 | - Investment securities | 570,595 | 538,600 | 1,109,195 | 407,559 | 394,539 | 802,098 | 323,429 | 238,775 | 562,204 | ||
11 | - Placements with the Central Bank | 53,129 | - | 53,129 | 49,377 | - | 49,377 | 29,091 | - | 29,091 | ||
12 | 1,313,453 | 1,782,380 | 3,095,833 | 1,204,358 | 1,855,547 | 3,059,905 | 905,892 | 1,398,632 | 2,304,524 | |||
13 | ||||||||||||
14 | Interest income on financial instruments measured at fair value through other comprehensive income: | |||||||||||
15 | - Investment securities | - | 18,195 | 18,195 | 5,715 | 103,427 | 109,142 | 37,408 | 63,624 | 101,032 | ||
16 | Total interest income calculated using EIR | 1,313,453 | 1,800,575 | 3,114,028 | 1,210,073 | 1,958,974 | 3,169,047 | 943,300 | 1,462,256 | 2,405,556 | ||
17 | ||||||||||||
18 | I | INTEREST EXPENSE | ||||||||||
19 | ||||||||||||
20 | Interest expense on financial instruments measured at amortised cost: | |||||||||||
21 | - Due to banks | 20,462 | 46,803 | 67,265 | 14,845 | 27,545 | 42,390 | 8,010 | 13,692 | 21,702 | ||
22 | - Deposits from banks | 603 | - | 603 | - | - | - | - | - | - | ||
23 | - Deposits from customers | 468,229 | 538,173 | 1,006,402 | 441,594 | 346,117 | 787,711 | 394,687 | 217,508 | 612,195 | ||
24 | - Subordinated debts issued | 6,671 | - | 6,671 | 28,173 | - | 28,173 | 60,327 | 1,341 | 61,668 | ||
25 | - Lease liability | 4,845 | - | 4,845 | - | - | - | - | - | - | ||
26 | Total interest expense | 500,810 | 584,976 | 1,085,786 | 484,612 | 373,662 | 858,274 | 463,024 | 232,541 | 695,565 | ||
27 | ||||||||||||
28 | ||||||||||||
29 | NET INTEREST INCOME | 812,643 | 1,215,599 | 2,028,242 | 725,461 | 1,585,312 | 2,310,773 | 480,276 | 1,229,715 | 1,709,991 | ||
30 | ||||||||||||
31 | II | NET FEE AND COMMISSION INCOME | ||||||||||
32 | ||||||||||||
33 | Fee and commission income | |||||||||||
34 | Commission and fee income | 70,378 | 425,171 | 495,549 | 74,736 | 363,527 | 438,263 | 69,170 | 263,548 | 332,718 | ||
35 | Credit card fees | 48,734 | 44,480 | 93,214 | 52,531 | 55,265 | 107,796 | 40,947 | 29,888 | 70,835 | ||
36 | Custody fees income | 41,110 | 125,605 | 166,715 | 38,380 | 125,950 | 164,330 | 37,538 | 202,180 | 239,718 | ||
37 | Other fees received | 2,663 | 6,248 | 8,911 | 2,894 | 4,868 | 7,762 | 2,823 | 3,233 | 6,056 | ||
38 | Total fee and commission income | 162,885 | 601,504 | 764,389 | 168,541 | 549,610 | 718,151 | 150,478 | 498,849 | 649,327 | ||
39 | ||||||||||||
40 | Fee and commission expense | |||||||||||
41 | Commission to other banks | (9,706) | (84,951) | (94,657) | (9,314) | (79,067) | (88,381) | (9,091) | (70,994) | (80,085) | ||
42 | Credit card expenses | (31,151) | (58,025) | (89,176) | (27,221) | (65,005) | (92,226) | (33,049) | (70,427) | (103,476) | ||
43 | Custody fees expense | (19,812) | (36,903) | (56,715) | (1,405) | (55,773) | (57,178) | (23,264) | (75,870) | (99,134) | ||
44 | Retrocession fees | (19,103) | (35,582) | (54,685) | (209) | (48,442) | (48,651) | (111) | (22,741) | (22,852) | ||
45 | Other fees paid | (1,947) | (312) | (2,259) | (3,308) | (1,635) | (4,943) | (141) | (714) | (855) | ||
46 | Total fee and commission expense | (81,719) | (215,773) | (297,492) | (41,457) | (249,922) | (291,379) | (65,656) | (240,746) | (306,402) | ||
47 | ||||||||||||
48 | Net fee and commission income | 81,166 | 385,731 | 466,897 | 127,084 | 299,688 | 426,772 | 84,822 | 258,103 | 342,925 |