	B	C	D	E	F	G	H	I	J	K	L
1
2			2021			2020			2019
3			Segment A	Segment B	Total	Segment A	Segment B	Total	Segment A	Segment B	Total
4		Notes	MUR'000	MUR'000	MUR'000	MUR'000	MUR'000	MUR'000	MUR'000	MUR'000	MUR'000
5	ASSETS
6
7	Cash and cash equivalent	VI	20,689,468	77,120,631	97,810,099	12,393,035	56,639,214	69,032,249	6,469,041	44,229,951	50,698,992
8	Due from banks	VII	16,378,549	1,595,541	17,974,090	9,346,939	1,785,799	11,132,738	10,469,896	2,498,034	12,967,930
9	Derivative financial instruments	VIII	227,587	180,293	407,880	221,553	100,408	321,961	81,507	10,906	92,413
10	Loans and advances to banks	X(b)	-	6,638,835	6,638,835	1,000,889	4,245,038	5,245,927	-	6,019,048	6,019,048
11	Loans and advances to customers	X(a)	10,753,505	7,996,424	18,749,929	11,770,371	11,273,551	23,043,922	11,480,579	10,669,617	22,150,196
12	Investment securities	IX	21,519,704	23,890,491	45,410,195	18,666,736	29,998,164	48,664,900	18,981,315	26,326,856	45,308,171
13	Asset held for distribution	XI	-	-	-	38,277	-	38,277	-	-	-
14	Property and equipment		75,716	61,721	137,437	77,668	93,309	170,977	69,186	116,489	185,675
15	Right of use assets		24,526	19,992	44,518	36,348	43,669	80,017	-	-	-
16	Intangible assets		159,037	129,642	288,679	122,611	147,303	269,914	90,695	152,703	243,398
17	Deferred tax assets		55,247	94,346	149,593	33,777	90,611	124,388	32,142	68,811	100,953
18	Other assets	XII	2,430,493	41,461	2,471,954	2,320,065	27,494	2,347,559	2,088,780	17,942	2,106,722
19	TOTAL ASSETS		72,313,832	117,769,377	190,083,209	56,028,269	104,444,560	160,472,829	49,763,141	90,110,357	139,873,498
20
21	LIABILITIES AND EQUITY
22
23	Due to banks	XIII	1,000,025	97	1,000,122	6,376	6,876	13,252	29,787	647	30,434
24	Deposits from banks	XIV(a)	154,201	210,525	364,726	80,627	15,738	96,365	-	14,106	14,106
25	Deposits from customers	XIV(b)	39,039,475	139,807,083	178,846,558	37,674,940	113,175,679	150,850,619	31,030,246	100,164,013	131,194,259
26	Derivative financial instruments	VIII	126,376	84,016	210,392	53,634	53,534	107,168	9,823	40,172	49,995
27	Debts issued	XV	-	-	-	-	-	-	184,205	-	184,205
28	Retirement Benefits Obligation		40,321	32,868	73,189	45,358	54,493	99,851	24,091	40,561	64,652
29	Current tax liabilities		80,616	5,031	85,647	89,211	6,072	95,283	146,108	29,805	175,913
30	Lease liabilities		26,255	21,403	47,658	37,509	45,062	82,571	-	-	-
31	Other liabilities	XVI	299,008	108,985	407,993	325,066	161,330	486,396	229,563	213,967	443,530
32	TOTAL LIABILITIES		40,766,277	140,270,008	181,036,285	38,312,721	113,518,784	151,831,505	31,653,823	100,503,271	132,157,094
33
34
35	EQUITY ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT
36
37	Ordinary Shares				3,641,049			3,641,049			3,641,049
38	Class A shares				1,385,768			1,385,768			1,385,768
39	Retained earnings				2,664,794			2,297,788			1,836,242
40	Other reserves				1,355,313			1,316,719			853,345
41	TOTAL EQUITY				9,046,924			8,641,324			7,716,404
42	TOTAL LIABILITIES AND EQUITY				190,083,209			160,472,829			139,873,498

1

2

2021

2020

2019

3

Segment A

Segment B

Total

Segment A

Segment B

Total

Segment A

Segment B

Total

4

Notes

MUR'000

5

ASSETS

6

7

Cash and cash equivalent

VI

20,689,468

77,120,631

97,810,099

12,393,035

56,639,214

69,032,249

6,469,041

44,229,951

50,698,992

8

Due from banks

VII

16,378,549

1,595,541

17,974,090

9,346,939

1,785,799

11,132,738

10,469,896

2,498,034

12,967,930

9

Derivative financial instruments

VIII

227,587

180,293

407,880

221,553

100,408

321,961

81,507

10,906

92,413

10

Loans and advances to banks

X(b)

-

6,638,835

1,000,889

4,245,038

5,245,927

-

6,019,048

11

Loans and advances to customers

X(a)

10,753,505

7,996,424

18,749,929

11,770,371

11,273,551

23,043,922

11,480,579

10,669,617

22,150,196

12

Investment securities

IX

21,519,704

23,890,491

45,410,195

18,666,736

29,998,164

48,664,900

18,981,315

26,326,856

45,308,171

13

Asset held for distribution

XI

-

38,277

-

38,277

-

14

Property and equipment

75,716

61,721

137,437

77,668

93,309

170,977

69,186

116,489

185,675

15

Right of use assets

24,526

19,992

44,518

36,348

43,669

80,017

-

16

Intangible assets

159,037

129,642

288,679

122,611

147,303

269,914

90,695

152,703

243,398

17

Deferred tax assets

55,247

94,346

149,593

33,777

90,611

124,388

32,142

68,811

100,953

18

Other assets

XII

2,430,493

41,461

2,471,954

2,320,065

27,494

2,347,559

2,088,780

17,942

2,106,722

19

TOTAL ASSETS

72,313,832

117,769,377

190,083,209

56,028,269

104,444,560

160,472,829

49,763,141

90,110,357

139,873,498

20

21

LIABILITIES AND EQUITY

22

23

Due to banks

XIII

1,000,025

97

1,000,122

6,376

6,876

13,252

29,787

647

30,434

24

Deposits from banks

XIV(a)

154,201

210,525

364,726

80,627

15,738

96,365

-

14,106

25

Deposits from customers

XIV(b)

39,039,475

139,807,083

178,846,558

37,674,940

113,175,679

150,850,619

31,030,246

100,164,013

131,194,259

26

Derivative financial instruments

VIII

126,376

84,016

210,392

53,634

53,534

107,168

9,823

40,172

49,995

27

Debts issued

XV

-

184,205

-

184,205

28

Retirement Benefits Obligation

40,321

32,868

73,189

45,358

54,493

99,851

24,091

40,561

64,652

29

Current tax liabilities

80,616

5,031

85,647

89,211

6,072

95,283

146,108

29,805

175,913

30

Lease liabilities

26,255

21,403

47,658

37,509

45,062

82,571

-

31

Other liabilities

XVI

299,008

108,985

407,993

325,066

161,330

486,396

229,563

213,967

443,530

32

TOTAL LIABILITIES

40,766,277

140,270,008

181,036,285

38,312,721

113,518,784

151,831,505

31,653,823

100,503,271

132,157,094

33

34

35

EQUITY ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT

36

37

Ordinary Shares

3,641,049

38

Class A shares

1,385,768

39

Retained earnings

2,664,794

2,297,788

1,836,242

40

Other reserves

1,355,313

1,316,719

853,345

41

TOTAL EQUITY

9,046,924

8,641,324

7,716,404

42

TOTAL LIABILITIES AND EQUITY

190,083,209

160,472,829

139,873,498