SMFG Notes to Consolidated Financial Statements 10. Deposits Deposits at March 31, 2011 and 2010 consisted of the following: Trading liabilities at March 31, 2011 and 2010 consisted of the following: Borrowed money at March 31, 2011 and 2010 consisted of the following: *1 Average interest rate represents the weighted average interest rate based on the balances and rates at respective year-end of SMBC and other consolidated subsidiaries. *2 Includes subordinated borrowings of ¥371,232 million ($4,465 million) and ¥378,729 million at March 31, 2011 and 2010, respectively. The repayment schedule over the next 5 years on borrowed money at March 31, 2011 was as follows: SMFG  2011 86 Millions of yen Millions of  U.S. dollars March 31 2011 2010 2011 Current deposits .................................................................................................. ¥ 7,046,031 ¥ 6,871,401 $ 84,739 Ordinary deposits ................................................................................................ 38,444,302 35,153,531 462,349 Savings deposits ................................................................................................... 721,677 750,961 8,679 Deposits at notice ................................................................................................ 4,931,391 5,363,534 59,307 Time deposits ...................................................................................................... 26,891,477 26,888,129 323,409 Negotiable certificates of deposit ......................................................................... 8,366,323 6,995,619 100,617 Other deposits ..................................................................................................... 3,964,058 3,621,037 47,674 ¥90,365,263 ¥85,644,215 $1,086,774 11. Trading Liabilities 12. Borrowed Money Millions of yen Millions of  U.S. dollars March 31 2011 2010 2011 Trading securities sold for short sales ................................................................... ¥1,623,046  ¥1,582,808 $19,520 Derivatives of trading securities ........................................................................... 1,803  2,367 22  Derivatives of securities related to trading transactions ........................................ 5,639  6,961 68  Trading-related financial derivatives .................................................................... 3,617,812  3,474,589 43,509  ¥5,248,302  ¥5,066,727 $63,119 Millions of yen Millions of  U.S. dollars Average interest rate* 1 March 31 2011 2010 2011 2011 Due Borrowed money*$^{2}$ ...................................................... ¥10,769,668 ¥5,470,578 $129,521 0.45% Jan. 2011–Perpetual Millions of yen Millions of U.S. dollars March 31 2011 2011 Within 1 year ..................................................................................................................... ¥8,948,213 $107,615 After 1 year through 2 years ............................................................................................... 503,992 6,061 After 2 years through 3 years .............................................................................................. 347,268 4,176 After 3 years through 4 years .............................................................................................. 284,237 3,418 After 4 years through 5 years .............................................................................................. 268,479 3,229