Notes to the consolidated financial statements – Note 30     2014 R’000     2013 R’000   30. Banking liabilities             Call deposits 1 283 709     1 254 372     Fixed and notice deposits 778 712     769 864       2 062 421     2 024 236     All banking liabilities mature within one year.             Effective rates of interest %     %     Call deposits 3,4     3,2       7,0     5,5     Banking liabilities other than fixed and notice deposits are at floating interest rates.             Refer to note 36 for further disclosure.           Notes to the consolidated financial statements – Note 30