Annual Report 2015
125
21 RISK MANAGEMENT
(continued)
21.3 Liquidity risk
(continued)
21.3.1 Analysis of financial liabilities by remaining contractual maturities
The table below summarises the maturity profile of the Group’s financial liabilities at September 30, based on contractual
undiscounted repayment obligations, over the remaining life of those liabilities. These balances include interest to be
paid over the remaining life of the liabilities and will therefore be greater than the carrying amounts on the consolidated
statement of financial position. See Note 26 for a maturity analysis of assets and liabilities.
Financial liabilities - on statement of financial position
On
Up to one
1 to 5
Over 5
demand
year
years
years
Total
2015
Customers’ current,
savings and deposit
accounts
41,764,069
7,802,633
221,511
–
49,788,213
Other fund raising
instruments
341,887
1,941,627
269,544
124,185
2,677,243
Debt securities in issue
5,956
111,398
1,208,640
250,024
1,576,018
Due to banks
112,472
657,592
–
–
770,064
Other liabilities
532,364
83,309
2,256
2,306
620,235
Total un- discounted
financial liabilities
42,756,748
10,596,559
1,701,951
376,515
55,431,773
2014
Customers’ current,
savings and deposit
accounts
36,713,903
7,132,634
12,362
–
43,858,899
Other fund raising
instruments
–
3,046,126
244,073
147,212
3,437,411
Debt securities in issue
–
109,821
1,252,750
55,010
1,417,581
Due to banks
22,190
47,767
–
–
69,957
Other liabilities
447,570
28,888
2,171
–
478,629
Total un- discounted
financial liabilities
37,183,663
10,365,236
1,511,356
202,222
49,262,477
