32. Amounts owed to bank depositors
 
  2018
R'000 		    2017
R'000		  
Call deposits 3 067 760     2 489 187  
Fixed and notice deposits 2 553 382     1 922 917  
  5 621 142     4 412 104  
All amounts owed to bank depositors mature within one year.          
Effective rates of interest %     %  
Call deposits 2,6     2,5  
Fixed and notice deposits 8,1     8,4  

Amounts owed to bank depositors other than fixed and notice deposits are at floating interest rates. Refer note 38 for further disclosure.