Cash and cash equivalents include cash floats at stores as well as the Group’s current account balance. The Group’s primary banker, which has a long-term credit rating of AAA (zaf), facilitates the collection of cash at stores, provides general banking facilities and facilitates the payment of suppliers via an electronic banking platform. The interest rate on the current account varied between 4.8% and 5.1% per annum (2014: 4.8% per annum). The interest rate on cash invested in money market accounts varied between 5.9% and 6.5% per annum (2014: 4.8% to 5.8% per annum) (refer to note 28.3).

The Group utilised its bank overdraft during the period. The overdraft rate varied between 7.5% and 7.8% per annum (2014: 7.5% per annum).

The Group utilised overnight bank borrowings during the period. Interest rates varied between 6.0% and 6.6% per annum (2014: varied between 5.4% and 6.3% per annum).