3. FINANCIAL RISK MANAGEMENT AND FINANCIAL INSTRUMENTS
 

Financial instruments carried on the statement of financial position include:

Financial assets

  • Loans receivable
  • Loans receivable from associates and joint ventures
  • Trade and other receivables
  • Advances to customers
  • Cash and cash equivalents
  • Financial assets at fair value through profit and loss

Financial liabilities

  • Borrowings
  • Trade and other payables
  • Contingent purchase consideration
  • Put option liability
  • Financial guarantee contracts
  • Financial liabilities at fair value through profit or loss (liquidity support and bond notes)

Financial assets and liabilities are recognised when the Group becomes a party to the contractual provisions of the instruments.

Financial assets are classified as current if expected to be realised within 12 months of the statement of financial position date; if not, they are classified as non-current. Financial liabilities are classified as non-current if the Group has the right to defer settlement beyond 12 months of the statement of financial position date.

The Group classifies financial assets on initial recognition as measured at amortised cost, fair value through other comprehensive income (FVOCI) or fair value through profit and loss (FVTPL) on the basis of the Group’s business model for managing the financial asset and the cash flow characteristics of the financial asset.

Financial assets are classified as follows:

Measurement category   Criteria
Amortised cost   The asset is held within a business model with the objective to collect the contractual cash flows; and the contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal outstanding.
Fair value through profit or loss   Debt investments that do not qualify for measurement at amortised cost or FVOCI (the Group does not currently hold any FVOCI instruments); and equity investments that are held-for-trading.

Financial assets are not reclassified unless the Group changes its business model for managing those financial assets. In rare circumstances where the Group does change its business model, reclassifications are done prospectively from the date that the Group changes its business model.

Financial liabilities are classified as measured at amortised cost except for those derivative liabilities that are measured at FVTPL.

Measurement on initial recognition

All financial assets (unless it is a trade receivable without a significant financing component) and liabilities are initially measured at fair value, including transaction costs, except for those classified as at fair value through profit or loss which are initially measured at fair value excluding transaction costs. Transaction costs directly attributable to the acquisition of financial assets or financial liabilities at fair value through profit or loss are recognised immediately in profit or loss. A trade receivable without a significant financing component is initially recognised at the transaction price.

Subsequent measurement

Subsequent to initial recognition, financial instruments are measured as described below.

Category   Subsequent measurement

Financial assets

Amortised cost

  These financial assets are subsequently measured at amortised cost using the effective interest method, less any impairment losses. Interest income, foreign exchange gains and losses and impairments are recognised in profit or loss. Any gain or loss on derecognition is recognised in profit or loss. Where the amortised cost using the effective interest method is materially lower than the fair value, this is separately disclosed.
Fair value through profit or loss   These financial assets are subsequently measured at fair value and changes therein (including any interest or dividend income) are recognised in profit or loss.

Financial liabilities

Amortised cost

  These financial liabilities are subsequently measured at amortised cost using the effective interest method. Interest expenses and foreign exchange gains and losses are recognised in profit or loss. Where the amortised cost using the effective interest method is materially more than the fair value, this is separately disclosed.
Fair value through profit or loss   These financial liabilities are subsequently measured at fair value with changes therein recognised in profit or loss.

Derecognition

Financial assets are derecognised when the rights to receive cash flows from the assets have expired or have been transferred and the Group has transferred substantially all risks and rewards of ownership. Financial liabilities are derecognised when the obligations specified in the contracts are discharged, cancelled or expire. On derecognition of a financial asset/liability, any difference between the carrying amount extinguished and the consideration paid is recognised in profit or loss.

Impairment

Under IFRS 9 the Group calculates its allowance for credit losses as expected credit losses (ECLs) for financial assets measured at amortised cost. ECLs are a probability weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to the Group in accordance with the contract and the cash flows that the Group expects to receive). ECLs are discounted at the original effective interest rate (EIR) of the financial asset.

To calculate ECLs the Group segments/Groups trade receivables by customer type, as disclosed in the trade and other receivables note (note 3.5.2). The Group applies the simplified approach to determine the ECL for trade and other receivables. This results in calculating lifetime expected credit losses for trade and other receivables. ECLs for trade and other receivables are calculated using a provision matrix. Refer to the credit risk note (note 3.1) for more detail about ECLs and how this is calculated.

ECLs for receivables other than trade receivables have been determined using the general approach in IFRS 9. Under the general approach, an entity calculates expected credit losses for loans and receivables at initial recognition by considering the consequences and probabilities of possible defaults only for the next 12 months, rather than the life of the asset. It continues to apply this method until a significant increase in credit risk has occurred, at which point the loss allowance is measured based on lifetime ECLs.

Financial risk management

In the course of its business, the Group is exposed to a number of financial risks: credit risk, liquidity risk and market risk (including foreign currency, interest rate and other price risks). This note presents the Group’s objectives, policies and processes for managing its financial risk and capital.

Risk management is monitored and managed by key personnel of each entity in the Group on a daily basis based on their specific operational requirements.

Classes of financial instruments

  2019
R’000
  Restated
2018
R’000
 
Financial assets        
Trade and other receivables*  3 812 824     4 202 518    
Cash and cash equivalents  1 385 596     947 888    
Loans to associates and joint ventures (refer note 2.1) 26 260     1 202 305    
Loans receivable  147 526     206 064    
Advances to customers  1 617 097     1 595 010    
Financial assets at fair value through profit and loss  204 739     168 144    
   7 194 042     8 321 929    
Financial liabilities             
Interest-bearing borrowings  3 200 408     2 970 938    
Non-interest-bearing borrowings  35 876     170    
Trade and other payables*  5 232 241     4 928 352    
Put option liability  158 638     97 947    
Contingent consideration  1 923     4 559    
Financial guarantee contracts  243 492     —    
Financial liabilities at fair value through profit and loss  301 716     45 360    
Bank overdraft  7 843     —    
   9 182 137     8 047 326    
Net financial position  (1 988 095)    274 603    
* Trade and other receivables and trade and other payables exclude non-financial instruments.

Reconciliation of financial assets and non-financial assets:

        2019             2018    
  Total
R’000
    Financial
asset
R’000
    Non-
financial
asset
R’000
    Total
R’000
Financial
asset
R’000
Non-
financial
asset
R’000
 
Loans receivable 232 529     147 526     85 003     261 069 206 064 55 005  
Trade and other receivables 4 257 266     3 812 824     444 442     4 315 727 4 202 518 113 209  
Advances to customers 1 617 097     1 617 097         1 595 010 1 595 010  
Cash and cash equivalents 1 385 596     1 385 596         947 888 947 888  
Financial assets at fair value through profit and loss 204 739     204 739         168 144 168 144  
Loans to associates and joint ventures 26 260     26 260         1 202 305 1 202 305  
  7 723 487     7 194 042     529 445     8 490 143 8 321 929 168 214  

Reconciliation of financial liabilities and non-financial liabilities:

        2019             2018    
  Total
R’000
    Financial
liability
R’000
    Non-
financial
liability
R’000
    Total
R’000
Financial
liability
R’000
Non-
financial
liability
R’000
 
                           
Interest-bearing borrowings 3 200 408     3 200 408         2 970 938 2 970 938  
Non-interest-bearing borrowings 35 876     35 876         170 170  
Trade and other payables 5 369 463     5 232 241     137 222     4 986 239 4 928 352 57 887  
Contingent consideration 1 923     1 923         4 559 4 559  
Financial guarantee contracts 243 492     243 492          
Bank overdraft 7 843     7 843          
Put option liability 158 638     158 638         97 947 97 947  
Financial liabilities at fair value through profit and loss 301 716     301 716         45 360 45 360  
  9 319 359     9 182 137     137 222     8 105 213 8 047 326 57 887