2002 £m	2001 £m
US dollar 8.875% notes 2030 (minimum 8.625%a)	1,928	1,928
5.75% bonds 2028	596	596
3.5% indexed linked notes 2025	258	252
8.625% bonds 2020	296	296
7.75% notes 2016 (minimum 7.5%a)	690	690
Euro 7.125% notes 2011 (minimum 6.875%a)	1,368	1,385
US dollar 8.375% notes 2010 (minimum 8.125%a)	2,072	2,073
US dollar 8.765% bonds 2009	138	141
Euro 11.875% senior notes 2009	129	134
US dollar 11.875% senior notes 2008	124	126
US dollar 12.5% senior deferred coupon notes 2007	-	138
US dollar 7% notes 2007	605	605
12.25% bonds 2006	229	229
7.375% notes 2006 (minimum 7.125%a)	397	396
Euro 6.375% notes 2006 (minimum 6.125%a)	1,857	1,855
US dollar 7.875% notes 2005 (minimum 7.624%a)	2,066	2,140
US dollar 6.75% bonds 2004	604	604
Euro 5.875% notes 2004 (minimum 5.625%a)	1,085	1,083
US dollar floating rate notes 2003a	761	761
12.25% bonds 2003	180	180
7.125% bonds 2003	499	499
Euro floating rate notes 2003a	611	619
US dollar 6.75% notes 2002	830	907
Total listed bonds, debentures and notes	17,323	17,637
Lease finance	4	270
Bank loans due 2001-2009 (average effective interest rate 9.8%)	659	637
Euro floating rate note 2000-2005	-	204
Floating rate note 2001-2009 (average effective interest rate 4.1%)	126	141
Other loans	123	268
Bank overdrafts and other short-term borrowings	16	1,041
Euro Medium Term Notes	125	7,219
Commercial paper	64	3,494
Total loans and other borrowings	18,440	30,911

^aThe interest rate payable on these notes will be subject to adjustment from time to time if either Moody's or Standard and Poor's (S&P) reduces the rating ascribed to the group's senior unsecured debt below A3 in the case of Moody's or below A minus in the case of S&P. In this event, the interest rate payable on the notes and the spread applicable to the floating notes will be increased by 0.25% for each ratings category adjustment by each ratings agency. In addition, if Moody's or S&P subsequently increase the rating ascribed to the group's senior unsecured debt, then the interest rate then payable on notes and the spread applicable to the floating notes will be decreased by 0.25% for each rating category upgrade by each rating agency, but in no event will the interest rate be reduced below the minimum interest rate reflected in the table above.

Apart from the lease finance all borrowings at 31 March 2002 are unsecured. Lease finance is repayable by instalments.

	2002 £m	2001 £m
Repayments fall due as follows:
Within one year, or on demand	2,195	12,136
Between one and two years	2,408	1,933
Between two and three years	844	2,430
Between three and four years	4,152	869
Between four and five years	497	4,245
After five years	8,344	9,298
Total due for repayment after more than one year	16,245	18,775
Total loans and other borrowings	18,440	30,911