A B C D E F G H I J K L
1
2
 2019 2018 2017
3
 Segment A Segment B Total Segment A Segment B Total Segment A Segment B Total
4
 I INTEREST EXPENSE MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000
5
 Interest income on financial instruments measured at amortised cost:
6
 - Due from banks 240,066 703,835 943,901 85,813 388,003 473,816 49,037 263,346 312,383
7
 - Loans and advances to banks - 214,044 214,044 - 174,192 174,192 - 124,768 124,768
8
 - Loans and advances to customers 293,312 757,173 1,050,485 467,559 597,662 1,065,221 521,554 484,902 1,006,456
9
 - Investment securities 407,559 394,539 802,098 323,429 238,775 562,204 275,828 85,522 361,350
10
 - Placements with the Central Bank 49,377 - 49,377 29,091 - 29,091 29,884 - 29,884
11
 990,314 2,069,591 3,059,905 905,892 1,398,632 2,304,524 876,303 958,538 1,834,841
12
13
 Interest income on financial instruments measured at fair value through other comprehensive income:
14
 - Investment securities 5,715 103,427 109,142 37,408 63,624 101,032 37,462 48,964 86,426
15
 Total interest income calculated using EIR 996,029 2,173,018 3,169,047 943,300 1,462,256 2,405,556 913,765 1,007,502 1,921,267
16
17
 I INTEREST EXPENSE
18
 Interest expense on financial instruments measured at amortised cost:
19
 - Due to banks 14,845 27,545 42,390 8,010 13,692 21,702 3,162 59,917 63,079
20
 - Deposits from banks and customers 441,594 346,117 787,711 394,687 217,508 612,195 398,616 169,450 568,066
21
 - Subordinated debts issued 28,173 - 28,173 60,327 1,341 61,668 78,210 - 78,210
22
 Total interest expense 484,612 373,662 858,274 463,024 232,541 695,565 479,988 229,367 709,355
23
 NET INTEREST INCOME 511,417 1,799,356 2,310,773 480,276 1,229,715 1,709,991 433,777 778,135 1,211,912
24
25
 II NET FEE AND COMMISSION INCOME
26
 Fee and commission income
27
 Credit related fees and commission income 127,267 418,792 546,059 110,117 293,436 403,553 96,601 234,492 331,093
28
 Custody fees income 38,380 125,950 164,330 37,538 202,180 239,718 6,596 192,979 199,575
29
 Other fees received 2,894 4,868 7,762 2,823 3,233 6,056 2,675 2,695 5,370
30
 Total fee and commission income 168,541 549,610 718,151 150,478 498,849 649,327 105,872 430,166 536,038
31
32
 Fee and commission expense
33
 Custody fees expense (1,405) (55,773) (57,178) (23,264) (75,870) (99,134) (25,753) (62,701) (88,454)
34
 Other fees (40,052) (194,149) (234,201) (42,392) (164,876) (207,268) (48,370) (102,742) (151,112)
35
 Total fee and commission expense (41,457) (249,922) (291,379) (65,656) (240,746) (306,402) (74,123) (165,443) (239,566)
36
 Net fee and commission income 127,084 299,688 426,772 84,822 258,103 342,925 31,749 264,723 296,472
A B C D E F G H I J K L
1
2
 2019 2018 2017
3
 Segment A Segment B Total Segment A Segment B Total Segment A Segment B Total
4
 I INTEREST EXPENSE MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000
5
 Interest income on financial instruments measured at amortised cost:
6
 - Due from banks 240,066 703,835 943,901 85,813 388,003 473,816 49,037 263,346 312,383
7
 - Loans and advances to banks - 214,044 214,044 - 174,192 174,192 - 124,768 124,768
8
 - Loans and advances to customers 293,312 757,173 1,050,485 467,559 597,662 1,065,221 521,554 484,902 1,006,456
9
 - Investment securities 407,559 394,539 802,098 323,429 238,775 562,204 275,828 85,522 361,350
10
 - Placements with the Central Bank 49,377 - 49,377 29,091 - 29,091 29,884 - 29,884
11
 990,314 2,069,591 3,059,905 905,892 1,398,632 2,304,524 876,303 958,538 1,834,841
12
13
 Interest income on financial instruments measured at fair value through other comprehensive income:
14
 - Investment securities 5,715 103,427 109,142 37,408 63,624 101,032 37,462 48,964 86,426
15
 Total interest income calculated using EIR 996,029 2,173,018 3,169,047 943,300 1,462,256 2,405,556 913,765 1,007,502 1,921,267
16
17
 I INTEREST EXPENSE
18
 Interest expense on financial instruments measured at amortised cost:
19
 - Due to banks 14,845 27,545 42,390 8,010 13,692 21,702 3,162 59,917 63,079
20
 - Deposits from banks and customers 441,594 346,117 787,711 394,687 217,508 612,195 398,616 169,450 568,066
21
 - Subordinated debts issued 28,173 - 28,173 60,327 1,341 61,668 78,210 - 78,210
22
 Total interest expense 484,612 373,662 858,274 463,024 232,541 695,565 479,988 229,367 709,355
23
 NET INTEREST INCOME 511,417 1,799,356 2,310,773 480,276 1,229,715 1,709,991 433,777 778,135 1,211,912
24
25
 II NET FEE AND COMMISSION INCOME
26
 Fee and commission income
27
 Credit related fees and commission income 127,267 418,792 546,059 110,117 293,436 403,553 96,601 234,492 331,093
28
 Custody fees income 38,380 125,950 164,330 37,538 202,180 239,718 6,596 192,979 199,575
29
 Other fees received 2,894 4,868 7,762 2,823 3,233 6,056 2,675 2,695 5,370
30
 Total fee and commission income 168,541 549,610 718,151 150,478 498,849 649,327 105,872 430,166 536,038
31
32
 Fee and commission expense
33
 Custody fees expense (1,405) (55,773) (57,178) (23,264) (75,870) (99,134) (25,753) (62,701) (88,454)
34
 Other fees (40,052) (194,149) (234,201) (42,392) (164,876) (207,268) (48,370) (102,742) (151,112)
35
 Total fee and commission expense (41,457) (249,922) (291,379) (65,656) (240,746) (306,402) (74,123) (165,443) (239,566)
36
 Net fee and commission income 127,084 299,688 426,772 84,822 258,103 342,925 31,749 264,723 296,472
A B C D E F G H I J K L
1
2
 2019 2018 2017
3
 Segment A Segment B Total Segment A Segment B Total Segment A Segment B Total
4
 I INTEREST EXPENSE MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000 MUR'000
5
 Interest income on financial instruments measured at amortised cost:
6
 - Due from banks 240,066 703,835 943,901 85,813 388,003 473,816 49,037 263,346 312,383
7
 - Loans and advances to banks - 214,044 214,044 - 174,192 174,192 - 124,768 124,768
8
 - Loans and advances to customers 293,312 757,173 1,050,485 467,559 597,662 1,065,221 521,554 484,902 1,006,456
9
 - Investment securities 407,559 394,539 802,098 323,429 238,775 562,204 275,828 85,522 361,350
10
 - Placements with the Central Bank 49,377 - 49,377 29,091 - 29,091 29,884 - 29,884
11
 990,314 2,069,591 3,059,905 905,892 1,398,632 2,304,524 876,303 958,538 1,834,841
12
13
 Interest income on financial instruments measured at fair value through other comprehensive income:
14
 - Investment securities 5,715 103,427 109,142 37,408 63,624 101,032 37,462 48,964 86,426
15
 Total interest income calculated using EIR 996,029 2,173,018 3,169,047 943,300 1,462,256 2,405,556 913,765 1,007,502 1,921,267
16
17
 I INTEREST EXPENSE
18
 Interest expense on financial instruments measured at amortised cost:
19
 - Due to banks 14,845 27,545 42,390 8,010 13,692 21,702 3,162 59,917 63,079
20
 - Deposits from banks and customers 441,594 346,117 787,711 394,687 217,508 612,195 398,616 169,450 568,066
21
 - Subordinated debts issued 28,173 - 28,173 60,327 1,341 61,668 78,210 - 78,210
22
 Total interest expense 484,612 373,662 858,274 463,024 232,541 695,565 479,988 229,367 709,355
23
 NET INTEREST INCOME 511,417 1,799,356 2,310,773 480,276 1,229,715 1,709,991 433,777 778,135 1,211,912
24
25
 II NET FEE AND COMMISSION INCOME
26
 Fee and commission income
27
 Credit related fees and commission income 127,267 418,792 546,059 110,117 293,436 403,553 96,601 234,492 331,093
28
 Custody fees income 38,380 125,950 164,330 37,538 202,180 239,718 6,596 192,979 199,575
29
 Other fees received 2,894 4,868 7,762 2,823 3,233 6,056 2,675 2,695 5,370
30
 Total fee and commission income 168,541 549,610 718,151 150,478 498,849 649,327 105,872 430,166 536,038
31
32
 Fee and commission expense
33
 Custody fees expense (1,405) (55,773) (57,178) (23,264) (75,870) (99,134) (25,753) (62,701) (88,454)
34
 Other fees (40,052) (194,149) (234,201) (42,392) (164,876) (207,268) (48,370) (102,742) (151,112)
35
 Total fee and commission expense (41,457) (249,922) (291,379) (65,656) (240,746) (306,402) (74,123) (165,443) (239,566)
36
 Net fee and commission income 127,084 299,688 426,772 84,822 258,103 342,925 31,749 264,723 296,472