AfrAsia Bank - Annual Report 2015

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AfrAsia Bank Limited and its Group Entities
Annual Report 2015
page 302
noteS to the finanCial StatementS
for the year ended 30 June 2015
43.
SEGMENTAL REPORTING (CONTINUED)
2015
2014
2013
Segment A Segment B
Total
Segment A Segment B
Total
Segment A Segment B
Total
MUR
MUR
MUR
MUR
MUR
MUR
MUR
MUR
MUR
X LOANS AND ADVANCES TO
CUSTOMERS (CONTINUED)(c) Allowance for credit
losses
At beginning of year
66,564,124
190,781,631
257,345,755
59,865,412
22,413,335
82,278,747
61,081,048
24,668,054
85,749,102
Amount written off againstallowance
(335,813) (371,298,875) (371,634,688)
(643,737)
-
(643,737)
(2,099,711)
(218,592)
(2,318,303)
Charge for the year
63,220,403
437,058,130
500,278,533
7,342,449
168,368,296
175,710,745
884,075
(2,036,127)
(1,152,052)
At end of year
129,448,714 256,540,886 385,989,600
66,564,124
190,781,631
257,345,755
59,865,412
22,413,335
82,278,747
(d) Allowance for credit losses by sector
2015
Total
Gross amount
of loans
Non
performing
loans
Specificprovision
Portfolioprovision
2015
2014
2013
MUR
MUR
MUR
MUR
MUR
MUR
MUR
Agriculture and fishing
927,735,618
-
-
5,697,003
5,697,003
3,375,530
3,102,074
Manufacturing
2,636,012,647
251,191,005
8,972,097
15,245,991
24,218,088
12,739,774
10,751,923
Tourism
2,800,971,198
23,351,489
1,116,402
16,874,186
17,990,588
10,633,379
10,903,897
Transport
483,184,129
-
-
2,755,262
2,755,262
800,455
540,469
Construction, infrastructure and real estate
2,288,265,926 376,853,156
22,999,310
13,658,537
36,657,847
12,019,835
11,145,743
Financial and business services
3,856,233,600 274,022,531
110,252,701
21,903,333
132,156,034
12,722,536
6,138,868
Traders
1,803,151,906
18,744,561
19,051,648
10,462,111
29,513,759
26,726,663
15,517,814
Personal
1,847,211,516
92,974,807
8,136,822
14,573,480
22,710,302
14,493,794
14,068,895
Professional
7,951,318
-
-
46,618
46,618
42,431
56,659
Information, communication and technology
161,460,331
798,115
761,188
860,816
1,622,004
1,070,852
2,099,407
Government
355,794,129
-
-
2,032,863
2,032,863
1,439,009
1,021,724
Global Business Licence Holders (GBL)
3,618,016,898
85,480,536
58,948,293
20,386,129
79,334,422
155,775,848
6,124,093
Other entities
1,307,868,024
24,717,544
24,719,905
6,534,905
31,254,810
5,505,649
807,181
22,093,857,240 1,148,133,744 254,958,366
131,031,234 385,989,600
257,345,755
82,278,747