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GLOSSARY OF TERMS ANNUAL FINANCIAL GLOSSARY OF TERMS STATEMENTS
NOTES TO THE CONSOLIDATED AND SEPARATE ANNUAL FINANCIAL STATEMENTS (continued)
for the year ended 30 June 2020
17. LOANS AND ADVANCES TO CUSTOMERS
Group
2020 N$’000
2019 N$’000
5,576,472 12,001,762 17,748,863
3,209,275 409,743
38,946,115 (133,013)
38,813,102
(152,536) (102,256) (508,727)
38,049,583
38,946,115 (133,013)
346,836 114,692
39,274,630
(763,519) (346,836) (114,692)
(1,225,047)
38,049,583
Overdrafts 5,840,028
Term loans Mortgages
– Residential mortgages – Commercial mortgages
Instalment finance Preference shares
Gross loans and advances
Effective interest rate impact per IFRS 9
Gross loans and advances after effective interest impact
Less impairment Stage 1
Stage 2
Stage 3
Value of loans and advances as per IFRS 9
Gross loans and advances
Effective interest rate impact per IFRS 9
Interest in suspense (contractual interest suspended on non-performing loans) Interest capitalised on stage 3 impaired loans and advances
Value of loans and advances
Value of impairments as per IFRS 9
Gross impairments
Interest in suspense (contractual interest suspended on non-performing loans) Additional impairment on stage 3 capitalised interest
Value of impairments Loans and advances
13,102,458 18,415,771
11,224,083 7,191,688
3,319,511 467,346
41,145,114 (126,577)
41,018,537
(183,229) (100,250) (656,436)
40,078,622
41,145,114 (126,577)
433,244 89,589
41,541,370
(939,915) (433,244) (89,589)
(1,462,748)
40,078,622
10,626,992 7,121,871
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N$68,750,000 of loans and advances have been ceded to Caliber Capital Trust as security for a loan (Note 25).