Annual report and accounts 2009 (PDF) - Coventry Building Society

40. FINANCIAL INSTRUMENTS (continued)Liquidity risk (continued) Group Group2009 2008% %Liquidity ratio 23.9 23.6For each material class of financial liability the contractual maturity analysis is provided in notes 27 to 32. In practice, customerdeposits will be repaid later than on the contractual date on which the repayment can be required.The following is an analysis of gross contractual cash flows payable under financial liabilities:More Morethan three than six More thanUp to months months one year MoreRepayable three less than less than less than thanAt 31 December 2009 on demand months six months one year five years five years Total£m £m £m £m £m £m £mLiabilitiesShares 12,836 1 1 1 414 - 13,253Deposits, amounts owed tocustomers and debt securities 95 1,645 1,041 67 995 441 4,284Other liabilities and adjustments 116 8 7 13 8 1 153Cross currency swaps - 1 1 1 11 3 17Subordinated liabilities - - - 4 17 85 106Subscribed capital - 2 4 6 49 162 223Total liabilities 13,047 1,657 1,054 92 1,494 692 18,036Undrawn loan facilities 56 - - - - - 56Leasing commitments - - 1 1 7 5 14More Morethan three than six More thanUp to months months one year MoreRepayable three less than less than less than thanAt 31 December 2008 on demand months six months one year five years five years Total£m £m £m £m £m £m £mLiabilitiesShares 12,386 - - - - - 12,386Deposits, amounts owed tocustomers and debt securities 25 2,297 87 179 1,523 92 4,203Other liabilities and adjustments 101 7 7 13 14 1 143Cross currency swaps - 1 1 3 9 - 14Subordinated liabilities - - - 4 16 85 105Subscribed capital - 2 4 6 49 160 221Total liabilities 12,512 2,307 99 205 1,611 338 17,072Undrawn loan facilities 33 - - - - - 33Leasing commitments - - 1 1 8 6 1669