Page 223 - Capricorn IAR 2020

2020 INTEGRATED ANNUAL REPORT
NOTES TO THE CONSOLIDATED AND SEPARATE ANNUAL FINANCIAL STATEMENTS (continued)
for the year ended 30 June 2020
17. LOANS AND ADVANCES TO CUSTOMERS (continued)
Movement in impairment on loans and advances to customers is as follows for the Group:
Overdrafts N$’000
Term loans N$’000
Mortgages N$’000
Instalment finance N$’000
Total N$’000
197,638
209,767
164,841
191,273
763,519
34,079
40,279
13,177
65,001
152,536
38,902
23,474
14,925
24,955
102,256
124,657
146,014
136,739
101,317
508,727
(2,835)
(79)
(1,763)
(76,353)
(81,030)
194,803
209,688
163,078
114,920
682,489
87,789
177,381
71,102
(14,123)
322,149
755
8,507
2,012
2,705
13,979
(10,826)
(50,560)
(6,186)
(11,130)
(78,702)
272,521
345,016
230,006
92,372
939,915
43,135
88,484
15,367
36,243
183,229
39,357
26,554
22,152
12,187
100,250
190,029
229,978
192,487
43,942
656,436
30 June 2020
Balance at the beginning of the year
– Stage 1 – Stage 2 – Stage 3
Discontinued operation
Adjusted balance at the beginning of the year
Loan impairments
Foreign exchange differences Amounts written off during the year as uncollectible
Balance at the end of the year
– Stage 1 – Stage 2 – Stage 3
30 June 2019
Balance at the beginning of the year
Specific impairment Portfolio impairment
IFRS 9 initial adoption
IFRS 9 adjusted balance at the beginning of the year
– Stage 1 – Stage 2 – Stage 3
Loan impairments
Foreign exchange differences
Amounts written off during the year as uncollectible
Balance at the end of the year
– Stage 1 – Stage 2 – Stage 3
Overdrafts N$’000
74,737
49,300 25,437
102,486
177,223
38,684
31,072 107,467
25,301 –
(4,886)
197,638
34,079
38,902 124,657
Term loans N$’000
163,073
108,013 55,060
19,422
182,495
34,454
21,364 126,677
Mortgages N$’000
72,676
60,438 12,238
79,593
152,269
16,514
18,267 117,488
Instalment
finance Total N$’000 N$’000
56,081 366,567
40,660 258,411 15,421 108,156
213,049 414,550
269,130 781,117
64,341 153,993
72,423 143,126 132,366 483,998
(2,946) 108,858 (49,836) (53,463)
(25,075) (72,993)
191,273 763,519
65,001 152,536
24,955 102,256 101,317 508,727
12,974 (42,630) (402)
209,767 164,841
40,279 13,177
23,474 14,925 146,014 136,739
73,529
(3,627) –
221