Page 263 - Capricorn IAR 2020

NOTES TO THE CONSOLIDATED AND SEPARATE ANNUAL FINANCIAL STATEMENTS (continued)
for the year ended 30 June 2020
43. SEGMENT INFORMATION (continued)
43.1.2 Geographical segments
There are no other material segment operations outside Namibia and Botswana.
43.1.3 Major customers
Segment reporting requires the disclosure of an entity’s reliance on its major customers, if revenue from transactions with a single customer is 10% or more of the entity’s revenue. The Group does not have customers that contribute 10% or more to its revenue and is therefore not reliant on a single major customer.
43.2 Financial information
Net interest income –
external
Net interest income –
internal (31,748) Impairment charges on
Microlending and related activities – Namibia
2019 N$’000
loans and advances
Net interest income after loan impairment charges Non-interest income
Fee and commission income Net trading income
Other operating income Net insurance premium income
Net claims and benefits paid Asset management and administration fee
Operating income
Operating expenses
Operating profit
Share of joint arrangement and associates’ results after tax
Profit before income tax
Income tax expense
Profit from continuing operations
Loss from discontinued operations
Profit for the period
Change in value of financial assets at fair value through other comprehensive income Income tax expense Exchange differences
on translation of foreign operations
Exchange differences on translation of discontinued operations
Net exchange differences on net investments
Total comprehensive income
(207,090)
1,377,217 1,066,608
883,919 162,653 20,036
– –
–
2,443,825 (1,443,492)
1,000,333 2,817
1,003,150 (281,702)
721,448
–
721,448
38,663
(12,372)
– –
–
747,739
2020 INTEGRATED ANNUAL REPORT
Banking – Namibia
Banking – Botswana
2019 N$’000
Other
2019 N$’000
Group
2019 N$’000
2020 N$’000
2019 N$’000
2020 N$’000
2020 N$’000
2020 N$’000
2020 N$’000
1,610,378 (31,969) (94,726)
111,835
70,664
(26,992)
82,017
66,829 (15,460)
331,711
15,293
(70,289)
233,481 8,631
(13,512)
21,298
(54,209)
–
206,997 (43,491) 9,151
2,080,899
(304,371)
–
1,483,683 1,041,600
155,507
123,238
133,386 103,878
276,715
76,957
228,600 79,083
(32,911)
157,908
172,657 134,923
1,776,528
1,424,711
865,657 160,259 15,684
– –
–
152,993
964
(30,719)
–
–
–
–
– 369
130,149 (26,640)
–
43,020
27,236
6,701
–
–
–
49,101 21,321 6,287
– –
2,374
16,040
135,420
(25)
6,473
–
–
45,207 (37,787) 11,690
– –
115,813
926,914
197,326
42,777
152,993
(30,719)
135,420
959,965 143,793 34,030
130,149 (26,640)
118,187
2,525,283 (1,404,415)
278,745
(52,296)
237,264 (40,447)
353,672
(276,205)
307,683 (228,836)
124,997
(128,884)
307,580 (378,340)
3,201,239
(1,900,877)
1,120,868 3,675
226,449
–
196,817 –
77,467
–
78,847 –
(3,887)
63,711
(70,760) 72,657
1,300,362
66,528
1,124,543 (326,828)
226,449
(23,819)
196,817 (24,994)
77,467
(23,261)
78,847 (19,192)
59,824
(26,013)
1,897 (15,791)
1,366,890
(354,795)
797,715 –
202,630
–
171,823 –
54,206
–
59,655 –
33,811
(155,683)
(13,894) –
1,012,095
–
–
–
–
55,813
–
–
–
–
(1,925)
9,719
(19,483)
–
–
(155,683)
797,715
7,263 –
–
– –
202,630
–
171,823
– –
–
– –
54,206
59,655
– –
–
– –
(121,872)
(13,894)
– –
1,339
– –
856,412
38,663
(12,372)
53,888
9,719
(19,483)
804,978
202,630
171,823
110,019
59,655
(133,561)
(12,555)
926,827
1,616,055
2,132,873 –
(114,547)
2,018,326 1,359,484
3,377,810 (2,052,038)
1,325,772
76,332
1,402,104 (386,805)
1,015,299
– 1,015,299
7,263 –
5,356
(4,017) –
1,023,901
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