2020 R'000			2019 R'000
26.	Cash and cash equivalents
	Cash on hand and at bank	10 412 475			6 617 075
	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	1 068 719			654 813
	Amounts included in cash on hand and at bank relating to customer contracts	7 552			37 094

	The majority of the cash on hand is held by the major South African and reputable European banks as a result the expected credit loss is considered immaterial.