Note 38.2  Liquidity risk  continued  $^{(1)}$  Excludes items that are not financial instruments and non-contractual accruals and provisions.  $^{(2)}$  Excludes items that are not financial instruments and non-contractual prepayments.  $^{(3)}$  Cash flows on contingent liabilities are dependent on the occurrence of various future events and conditions, and may or may not result  in an outflow of resources. These are reported in the ‘less than 3 months’ column unless the contractual terms specify a longer dated  cash flow.  On demand  $m Less than 3 months  $m 3 to 12 months  $m 1 to 5 years  $m  Over 5 years  $m Total  $m Company 2014  Deposits  –  33  –  –  –  33  Other financial liabilities (1) –  2  –  –  –  2  Payables to financial institutions  –  6  17  1,393  –  1,416  Due to subsidiaries (2) 484  2  1  65  –  552  Debt issued at amortised cost –  128  1,299  3,154  3,014  7,595  Loan Capital  –  17  17  719  –  753  Total undiscounted cash flows  484  188  1,334  5,331  3,014  10,351  Contingent liabilities  –  3,413  –  –  –  3,413  Total undiscounted contingent  liabilities (3) –  3,413  –  –  –  3,413  Company 2013  Deposits  –  38  –  –  –  38  Payables to financial institutions  –  14  44  2,484  –  2,542  Due to subsidiaries  (2) 511  88  –  –  –  599  Debt issued at amortised cost  –  142  240  2,278  2,867  5,527  Total undiscounted cash flows  511  282  284  4,762  2,867  8,706  Contingent liabilities  –  3,057  –  –  –  3,057  Total undiscounted contingent  liabilities (3) –  3,057  –  –  –  3,057  191 