2019 R'000		2018 R'000
32.	Amounts owed to bank depositors
	Call deposits	3 549 795		3 067 760
	Fixed and notice deposits	2 857 695		2 553 382
		6 407 490		5 621 142
	All amounts owed to bank depositors mature within one year.
	Effective rates of interest	%		%
	Call deposits	3.4		2.6
	Fixed and notice deposits	8.4		8.1
	Amounts owed to bank depositors other than fixed and notice deposits are at floating interest rates. Refer note 38 for further disclosure.