Group Contractual cash flows 2021 Restated Carrying Total cash Within 1 2 – 5 6 – 10 11 – 20 Over 20 R'm amount flows year years years years years Insurance contract liabilities – non-DPF 5 254 (101 267) 856 3 180 2 240 (144) (107 399) Short-term Insurance liabilities 109 109 78 31 – – – Reinsurance payables 67 67 67 – – – – Third-party financial liabilities arising on consolidation of unit trusts 13 347 13 347 13 347 – – – – Investment contract liabilities* 4 205 4 205 259 1 036 1 372 1 538 – Borrowings 98 98 29 69 – – – Other financial liabilities 322 322 322 – – – Lease liabilities 62 62 19 43 – – – * Investment contract liabilities and Other financial liabilities contractual cash flows have been restated. Market risks Market risk is the risk that changes in market prices, such as interest rate, foreign exchange rates and equity 39. Management of risks (continued) 39.3 Financial risk management (continued) 185 Notes to the Consolidated Financial Statements
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