A	B	C	D	E	F	G	H	I
1
2					THE GROUP					THE BANK
3			NOTES	2019	2018	2017	2019	2018	2017
4				MUR'000	MUR'000	MUR'000	MUR'000	MUR'000	MUR'000
5	(a)	Cash and cash equivalents
6		Cash in hand		42,087	30,086	34,710	42,087	30,086	34,710
7		Unrestricted balances with the Central Bank		3,988,536	1,490,484	1,689,118	3,988,536	1,490,484	1,689,118
8		Short term placements with other banks		33,808,173	30,172,195	18,253,610	33,808,173	30,172,195	18,253,610
9		Short term placements with the central bank		-	-	253,412	-	-	253,412
10		Current accounts with other banks		12,887,788	18,412,311	15,732,864	12,886,142	18,281,882	15,713,021
11		Other amounts due		-	-	1,449	-	-	1,449
12		Allowance for impairment losses		(25,946)	-	-	(25,946)	-	-
13			14	50,700,638	50,105,076	35,965,163	50,698,992	49,974,647	35,945,320
14
15
16	(b)	Change in operating assets
17		Net change in mandatory balances with the Central Bank		(346,038)	(231,082)	(55,122)	(346,038)	(231,082)	(55,122)
18		Net change in placement with the Central Bank		(25,946)	(835,294)	(31,712)	(25,946)	-	(31,712)
19		Net change in medium term placements with other banks		(7,807,073)	152,054	3,258,768	(7,807,073)	605,475	3,258,768
20		Net change in derivative financial instruments		152,457	(578,932)	(179,473)	116,077	20,043	(194,889)
21		Net change in loans and advances to banks		(203,506)	(2,282,642)	(1,342,625)	(203,506)	(2,282,642)	(1,342,625)
22		Net change in loans and advances to customers		(768,332)	932,043	(5,046,037)	(768,332)	932,043	(5,046,037)
23		Net change in investment securities		(10,926,066)	(4,539,659)	(13,969,116)	(10,960,855)	(4,504,806)	(14,476,564)
24				(10,891)	133,257	(17,967)	(22,632)	(1,324,448)	67,466
25				(19,935,395)	(7,250,255)	(17,383,284)	(20,018,305)	(6,785,417)	(17,820,715)
26
27
28	(c)	Change in operating liabilities
29
30		Net change in due to banks		(902,321)	(568,118)	1,327,305	(902,321)	(568,060)	1,327,305
31		Net change in derivative financial instruments		(50,767)	458,897	61,130	(14,387)	(140,078)	76,546
32		Net change in debts issued		(149,607)	(307,998)	183,682	(30,970)	(960)	462
33		Net change in deposits from customers		19,896,505	20,534,769	10,589,062	19,822,898	20,302,903	10,703,588
34		Net change in other liabilities		39,207	100,434	(41,610)	51,471	84,033	(46,159)
35		Net change in Financial liabilities measured at fair value through profit or loss		(25,515)	35,977	(486,000)	-	-	-
36				18,807,502	20,253,961	11,633,569	18,926,691	19,677,838	12,061,742
37
38	(d)	Non-cash items included in profit before tax
39		Depreciation of property and equipment	20	37,726	35,608	25,271	36,361	34,370	24,091
40		Amortisation of intangible assets	21	72,014	37,310	23,185	38,586	27,005	12,810
41		Profit on disposal of property and equipment	8(d)	-	(89)	-	-	(89)	-
42		Property and equipment written off	20	1,309	6,527	9,488	1,309	6,527	8,820
43		Intangible assets written off	21	134,903	2,074	346	-	2,074	346
44		Adjustment for property and equipment	20	1,293	(12)	-	1,293	(12)	-
45		Retirement benefit obligation	28	14,352	8,165	23,000	13,697	7,077	23,000
46		Share based payments		-	(2,862)	(11,061)	-	(2,862)	(11,061)
47		Impairment loss on investment in subsidiary		-	-	-	189,563	-	-
48		Loss on winding up of subsidiary		57,210	10,352	5,004	-	-	-
49		Impairment on financial investments - held-for-trading		12,472	2,401	-	21,746	2,401	-
50		Net impairment loss on financial assets		468,380	1,067,581	834,632	468,380	1,067,581	834,632
51		Impairment on receivable from subsidary	9	-	-	-	103,000	-	-
52				799,659	1,167,055	909,865	873,935	1,144,072	892,638

	A	B	C	D	E	F	G	H	I
1
2				THE GROUP			THE BANK
3			NOTES	2019	2018	2017	2019	2018	2017
4				MUR'001	MUR'000	MUR'000	MUR'000	MUR'000	MUR'000
5	(a)	Cash and cash equivalents
6		Cash in hand		42,087	30,086	34,710	42,087	30,086	34,710
7		Unrestricted balances with the Central Bank		3,988,536	1,490,484	1,689,118	3,988,536	1,490,484	1,689,118
8		Short term placements with other banks		33,808,173	30,172,195	18,253,610	33,808,173	30,172,195	18,253,610
9		Short term placements with the central bank		-	-	253,412	-	-	253,412
10		Current accounts with other banks		12,887,788	18,412,311	15,732,864	12,886,142	18,281,882	15,713,021
11		Other amounts due		-	-	1,449	-	-	1,449
12		Allowance for impairment losses		(25,946)	-	-	(25,946)	-	-
13			14	50,700,638	50,105,076	35,965,163	50,698,992	49,974,647	35,945,320
14
15
16	(b)	Change in operating assets
17		Net change in mandatory balances with the Central Bank		(346,038)	(231,082)	(55,122)	(346,038)	(231,082)	(55,122)
18		Net change in placement with the Central Bank		(25,946)	(835,294)	(31,712)	(25,946)	-	(31,712)
19		Net change in medium term placements with other banks		(7,807,073)	152,054	3,258,768	(7,807,073)	605,475	3,258,768
20		Net change in derivative financial instruments		152,457	(578,932)	(179,473)	116,077	20,043	(194,889)
21		Net change in loans and advances to banks		(203,506)	(2,282,642)	(1,342,625)	(203,506)	(2,282,642)	(1,342,625)
22		Net change in loans and advances to customers		(768,332)	932,043	(5,046,037)	(768,332)	932,043	(5,046,037)
23		Net change in investment securities		(10,926,066)	(4,539,659)	(13,969,116)	(10,960,855)	(4,504,806)	(14,476,564)
24				(10,891)	133,257	(17,967)	(22,632)	(1,324,448)	67,466
25				(19,935,395)	(7,250,255)	(17,383,284)	(20,018,305)	(6,785,417)	(17,820,715)
26
27
28	(c)	Change in operating liabilities
29
30		Net change in due to banks		(902,321)	(568,118)	1,327,305	(902,321)	(568,060)	1,327,305
31		Net change in derivative financial instruments		(50,767)	458,897	61,130	(14,387)	(140,078)	76,546
32		Net change in debts issued		(149,607)	(307,998)	183,682	(30,970)	(960)	462
33		Net change in deposits from customers		19,896,505	20,534,769	10,589,062	19,822,898	20,302,903	10,703,588
34		Net change in other liabilities		39,207	100,434	(41,610)	51,471	84,033	(46,159)
35		Net change in Financial liabilities measured at fair value through profit or loss		(25,515)	35,977	(486,000)	-	-	-
36				18,807,502	20,253,961	11,633,569	18,926,691	19,677,838	12,061,742
37
38	(d)	Non-cash items included in profit before tax
39		Depreciation of property and equipment	20	37,726	35,608	25,271	36,361	34,370	24,091
40		Amortisation of intangible assets	21	72,014	37,310	23,185	38,586	27,005	12,810
41		Profit on disposal of property and equipment	8(d)	-	(89)	-	-	(89)	-
42		Property and equipment written off	20	1,309	6,527	9,488	1,309	6,527	8,820
43		Intangible assets written off	21	134,903	2,074	346	-	2,074	346
44		Adjustment for property and equipment	20	1,293	(12)	-	1,293	(12)	-
45		Retirement benefit obligation	28	14,352	8,165	23,000	13,697	7,077	23,000
46		Share based payments		-	(2,862)	(11,061)	-	(2,862)	(11,061)
47		Impairment loss on investment in subsidiary		-	-	-	189,563	-	-
48		Loss on winding up of subsidiary		57,210	10,352	5,004	-	-	-
49		Impairment on financial investments - held-for-trading		12,472	2,401	-	21,746	2,401	-
50		Net impairment loss on financial assets		468,380	1,067,581	834,632	468,380	1,067,581	834,632
51		Impairment on receivable from subsidary	9	-	-	-	103,000	-	-
52				799,659	1,167,055	909,865	873,935	1,144,072	892,638

	A	B	C	D	E	F	G	H	I
1
2				THE GROUP			THE BANK
3			NOTES	2019	2018	2017	2019	2018	2017
4				MUR'001	MUR'000	MUR'000	MUR'000	MUR'000	MUR'000
5
6		Cash in hand		42,087	30,086	34,710	42,087	30,086	34,710
7		Unrestricted balances with the Central Bank		3,988,536	1,490,484	1,689,118	3,988,536	1,490,484	1,689,118
8		Short term placements with other banks		33,808,173	30,172,195	18,253,610	33,808,173	30,172,195	18,253,610
9		Short term placements with the central bank		-	-	253,412	-	-	253,412
10		Current accounts with other banks		12,887,788	18,412,311	15,732,864	12,886,142	18,281,882	15,713,021
11		Other amounts due		-	-	1,449	-	-	1,449
12		Allowance for impairment losses		(25,946)	-	-	(25,946)	-	-
13			14	50,700,638	50,105,076	35,965,163	50,698,992	49,974,647	35,945,320
14
15
16	(b)	Change in operating assets
17		Net change in mandatory balances with the Central Bank		(346,038)	(231,082)	(55,122)	(346,038)	(231,082)	(55,122)
18		Net change in placement with the Central Bank		(25,946)	(835,294)	(31,712)	(25,946)	-	(31,712)
19		Net change in medium term placements with other banks		(7,807,073)	152,054	3,258,768	(7,807,073)	605,475	3,258,768
20		Net change in derivative financial instruments		152,457	(578,932)	(179,473)	116,077	20,043	(194,889)
21		Net change in loans and advances to banks		(203,506)	(2,282,642)	(1,342,625)	(203,506)	(2,282,642)	(1,342,625)
22		Net change in loans and advances to customers		(768,332)	932,043	(5,046,037)	(768,332)	932,043	(5,046,037)
23		Net change in investment securities		(10,926,066)	(4,539,659)	(13,969,116)	(10,960,855)	(4,504,806)	(14,476,564)
24				(10,891)	133,257	(17,967)	(22,632)	(1,324,448)	67,466
25				(19,935,395)	(7,250,255)	(17,383,284)	(20,018,305)	(6,785,417)	(17,820,715)
26
27
28	(c)	Change in operating liabilities
29
30		Net change in due to banks		(902,321)	(568,118)	1,327,305	(902,321)	(568,060)	1,327,305
31		Net change in derivative financial instruments		(50,767)	458,897	61,130	(14,387)	(140,078)	76,546
32		Net change in debts issued		(149,607)	(307,998)	183,682	(30,970)	(960)	462
33		Net change in deposits from customers		19,896,505	20,534,769	10,589,062	19,822,898	20,302,903	10,703,588
34		Net change in other liabilities		39,207	100,434	(41,610)	51,471	84,033	(46,159)
35		Net change in Financial liabilities measured at fair value through profit or loss		(25,515)	35,977	(486,000)	-	-	-
36				18,807,502	20,253,961	11,633,569	18,926,691	19,677,838	12,061,742
37
38	(d)	Non-cash items included in profit before tax
39		Depreciation of property and equipment	20	37,726	35,608	25,271	36,361	34,370	24,091
40		Amortisation of intangible assets	21	72,014	37,310	23,185	38,586	27,005	12,810
41		Profit on disposal of property and equipment	8(d)	-	(89)	-	-	(89)	-
42		Property and equipment written off	20	1,309	6,527	9,488	1,309	6,527	8,820
43		Intangible assets written off	21	134,903	2,074	346	-	2,074	346
44		Adjustment for property and equipment	20	1,293	(12)	-	1,293	(12)	-
45		Retirement benefit obligation	28	14,352	8,165	23,000	13,697	7,077	23,000
46		Share based payments		-	(2,862)	(11,061)	-	(2,862)	(11,061)
47		Impairment loss on investment in subsidiary		-	-	-	189,563	-	-
48		Loss on winding up of subsidiary		57,210	10,352	5,004	-	-	-
49		Impairment on financial investments - held-for-trading		12,472	2,401	-	21,746	2,401	-
50		Net impairment loss on financial assets		468,380	1,067,581	834,632	468,380	1,067,581	834,632
51		Impairment on receivable from subsidary	9	-	-	-	103,000	-	-
52				799,659	1,167,055	909,865	873,935	1,144,072	892,638