Page 183 - RFHL ANNUAL REPORT 2025 ONLINE_NEW
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22 Risk management(continued)
22.3 Liquidity risk (continued)
22.3.1 Analysis of financial liabilities by remaining contractual maturities
The table below summarises the maturity profile of the Group’s financial liabilities at September 30, based on
contractual undiscounted repayment obligations, over the remaining life of those liabilities. These balances
include interest to be paid over the remaining life of the liabilities and will therefore be greater than the carrying
amounts on the Consolidated statement of financial position. Refer to Note 28 for a maturity analysis of assets and
liabilities.
Financial liabilities – on Consolidated statement of financial position
On Up to one 1 to 5 Over 5
2025 demand year years years Total
Due to banks 951 2 – – 953
Customers’ current, savings
and deposit accounts 84,441 14,293 2,803 – 101,537
Other fund raising instruments – 3,683 – 598 4,281
Debt securities in issue – 60 287 1,305 1,652
Lease liabilities – 80 197 476 753
Other liabilities 632 430 81 204 1,347
Total un-discounted financial liabilities 86,024 18,548 3,368 2,583 110,523
2024
Due to banks 428 35 – – 463
Customers’ current, savings
and deposit accounts 80,046 13,603 2,326 1,070 97,045
Other fund raising instruments – 2,800 771 – 3,571
Debt securities in issue – 59 292 1,353 1,704
Lease liabilities – 157 235 479 871
Other liabilities 732 359 74 123 1,288
Total un-discounted financial liabilities 81,206 17,013 3,698 3,025 104,942
Financial liabilities – off Consolidated statement of financial position
On Up to one 1 to 5 Over 5
2025 demand year years years Total
Undrawn commitments 6,822 – – – 6,822
Acceptances 1,466 1,048 232 50 2,796
Guarantees and indemnities 12 250 30 27 319
Letters of credit 125 218 3 – 346
Total 8,425 1,516 265 77 10,283
