Notes to the consolidated financial statements – Note 23     2014 R’000     2013 R’000   23. Cash and cash equivalents             Cash on hand and at bank 8 838 573     8 452 559     Amounts included in cash and cash equivalents relating to banking and insurance subsidiaries where the balances form part of the reserving requirements as required by the Financial Services Act 348 232     195 750     Amounts included in cash and cash equivalents relating to customer contracts 145 857     –   Notes to the consolidated financial statements – Note 23