24. Cash and cash equivalents
 
  2018
R’000
    2017
R’000
 
Cash on hand and at bank 6 168 293     5 132 550  
Amounts included in cash on hand and at bank relating to banking and insurance subsidiaries where the balances form part of the reserving requirements as required by the Financial Services Act 605 372     493 854  
Amounts included in cash on hand and at bank relating to customer contracts 38 905     37 766