Page 181 - Capricorn IAR 2020
P. 181
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)
3.2.9 Credit concentration risk (continued)
The following table breaks down the Group’s main credit exposure at their gross amounts, as categorised by the industry sectors of counterparties:
Group
As at 30 June 2020
Agriculture and forestry Fishing
Mining
Manufacturing
Building and construction Electricity, gas and water Trade and accommodation1 Transport and communication
Finance and insurance Real estate and business services
Government
Individuals
Other
Impairment Effective interest rate impact
1 Trade and accommodation includes all loans and advances granted to individuals that acquire property for residential purposes through closed corporation entity types, e.g. residential mortgage loans and advances granted to hotels, lodges, restaurants and the related.
2 Other assets include the insurance fund asset, accounts receivable, derivatives as well as clearing and settlement accounts.
Cash and balances with the central bank N$’000
Financial assets at fair value through other compre- hensive income N$’000
Financial assets at fair value through profit or loss N$’000
Financial
assets at amortised cost N$’000
Due from other banks N$’000
Loans and advances to customers N$’000
Other assets2
N$’000
Total N$’000
–
–
–
–
–
2,198,668
–
2,198,668
–
–
–
–
–
729,761
–
729,761
–
–
–
–
–
910,149
–
910,149
–
–
–
–
–
792,285
–
792,285
–
–
–
–
–
1,491,570
–
1,491,570
–
–
–
–
–
1,663,533
–
1,663,533
–
–
–
–
–
3,521,664
–
3,521,664
–
–
–
–
–
1,303,017
–
1,303,017
563,505
783,098
2,314,333
–
2,996,527
2,045,499
–
8,702,962
–
–
–
–
–
7,447,834
–
7,447,834
345,612
4,990,535
–
723,596
–
4,436,727
–
10,496,470
–
–
–
–
–
9,745,222
–
9,745,222
–
–
–
–
–
4,859,185
289,918
5,149,103
–
–
–
(10,839)
–
(939,915)
–
(950,754)
–
–
–
–
–
(126,577)
(126,577)
909,117
5,773,633
2,314,333
712,757
2,996,527
40,078,622
289,918
53,074,907
179
