Page 163 - Capricorn IAR 2020
P. 163

 Group
Overdrafts
Stage 1 Stage 2 Stage 3
Term loans
Stage 1 Stage 2 Stage 3
Mortgages
Stage 1 Stage 2 Stage 3
Instalment finance
Stage 1 Stage 2 Stage 3
Total loans and advances
Other financial instruments
Opening ECL 1 July 2018
177,223
38,684
31,072 107,467
182,495
34,454
21,364 126,677
152,269
16,514
18,267 117,488
269,130
64,341
72,423 132,366
781,117
19,696
Total transfer between stages
–
(517) (4,318)
4,835
–
(461) (2,969)
3,430
–
(221) (2,539)
2,760
–
(862) (10,065)
10,927
–
–
– –
–
2019
Net impairments raised
Impaired accounts written off
Exchange
and other movements
–
518 4,360
(4,878)
(3,627)
1,939
5,675 (11,241)
–
– 2,760
(2,760)
(49,836)
(9,950)
(5,861) (34,025)
(53,463)
–
Closing ECL 30 June 2019
197,638
34,079
38,902 124,657
209,767
40,279
23,474 146,014
164,841
13,177
14,925 136,739
191,273
65,001
24,955 101,317
763,519
36,873
2020 INTEGRATED ANNUAL REPORT
  NOTES TO THE CONSOLIDATED AND SEPARATE ANNUAL FINANCIAL STATEMENTS (continued)
for the year ended 30 June 2020
3. FINANCIAL RISK MANAGEMENT (continued)
3.2 Credit risk (continued)
3.2.3 Loss allowance (continued)
The following table explains the changes in the loss allowance between the beginning and the end of the annual period due to these factors:
   25,301 (4,886)
 (4,605) 7,830 22,076
73,529
15,166 2,110 56,253
12,974
(3,116) (3,563)
19,653
(2,946)
11,473 (31,528) 17,109
108,858
17,177
168 17,009
126,035
(1) (42) (4,843)
(42,630)
(10,819) (2,706) (29,105)
(402)
–
– (402)
(25,075)
(1) (14) (25,060)
(72,993)
–
         Stage 1 729 Stage 2 18,967
Total 800,813
– – 897 – – 35,976
(72,993) (53,463) 800,392
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