44 Creditors: Amounts Falling Due Within One Year


2014 £000


Bank overdraft Bank loan


Trade creditors


Amounts due to Group undertakings Other taxes and social security Accruals and deferred income


45 Creditors: Amounts Falling Due After More Tan One Year


2014 £000


Total bank loans and mortgages 3,140


2013 £000


3,486


HSBC Bank Plc, HSBC Asset Finance (UK) Ltd and HSBC Equipment Finance (UK) Ltd have debentures incorporating fixed and floating charges over the undertaking and all property and assets including goodwill, book debts, uncalled capital, buildings, fixtures, fixed plant and machinery.


46 Interest-Bearing Loans and Borrowings


Tis note provides information about the contractual terms and repayment schedule of the Company’s interest-bearing loans and borrowings, which are measured at amortised cost. For more information about the Group’s exposure to interest rate risk, see Note 25. Frequency of


2014 Revolving credit Currency GBP Margin


Mortgage GBP 1.75% Unamortised transaction costs


Repayments are as follows: Between one and two years Between two and five years Between five and ten years Between 10 and fifteen years


2013 Currency Margin


Mortgage GBP 1.75% Unamortised transaction costs


Repayments are as follows: Between one and two years Between two and five years Between five and ten years Between 10 and fifteen years


Above Base


Frequency of repayments


Monthly maturity 2023 Year of


Total £000


3,932 (260) 3,672 Above repayments


2.00% LIBOR Quarterly Base


Monthly maturity


2017 2023


Year of


Total £000


2,000 3,593


(76) 5,517


2,000 399


(22) 2,377 -


2,377 43 22 84


1,240 3,766


2013 £000


2,112 186 183 50 95


2,067 4,693


Current Non-current £000


-


3,194 3,140


347


1,073 1,720 -


3,140


Current Non-current £000


369


(183) 186


£000 3,563 (77) 3,486 347


1,051 1,842 246


3,486 (54)


£000


63


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