CAPITA FINANCIAL SERVICES INC. (ST. LUCIA BRANCH) Notes to the Financial Statements March 31, 2024 (expressed in Eastern Caribbean dollars) 38 20 Financial Risk Management ...continued Credit quality analysis ...continued The following tables set out information about the overdue status of loans and advances to customers in Stages 1, 2 and 3, and shows reconciliations from the opening balances. 2024 Stage 1 $ Stage 2 $ Stage 3 $ Total $ Loans and advances to customers at amortised cost: Current 24,870,670 – – 24,870,670 Overdue <31 days 1,482,253 – – 1,482,253 Overdue 31 - 89 days – 502,199 – 502,199 Overdue >89 days – – 3,518,544 3,518,544 Gross carrying amount 26,352,923 502,199 3,518,544 30,373,666 2023 Stage 1 $ Stage 2 $ Stage 3 $ Total $ Loans and advances to customers at amortised cost: Current 20,278,365 – – 20,278,365 Overdue <31 days 4,515,369 – – 4,515,369 Overdue 31 - 89 days – 1,829,342 – 1,829,342 Overdue >89 days – – 3,200,545 3,200,545 Gross carrying amount 24,793,734 1,829,342 3,200,545 29,823,621
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