| in € m. | Dec 31, 2003 | Dec 31, 2002 |
| Amounts owed to credit institutions | 238,393 | 232,113 |
| Repayable on demand | 145,241 | 153,086 |
| With agreed maturity dates or periods of notice | ||
| up to three months | 68,239 | 53,686 |
| more than three months and up to one year | 8,762 | 9,585 |
| more than one year and up to five years | 8,309 | 8,140 |
| more than five years | 7,842 | 7,616 |
| Savings deposits | 27,315 | 28,386 |
| With agreed periods of notice | ||
| up to three months | 19,009 | 16,550 |
| more than three months and up to one year | 6,256 | 9,256 |
| more than one year and up to five years | 2,026 | 2,557 |
| more than five years | 24 | 23 |
| Other liabilities to customers | 274,312 | 241,882 |
| Repayable on demand | 117,083 | 118,973 |
| With agreed maturity dates or periods of notice | ||
| up to three months | 136,064 | 96,101 |
| more than three months and up to one year | 7,096 | 9,074 |
| more than one year and up to five years | 7,893 | 9,878 |
| more than five years | 6,176 | 7,856 |
| Debt securities issued | 74,664 | 87,093 |
| Other liabilities evidenced by paper | 42,335 | 34,981 |
| Remaining maturity of | ||
| up to three months | 19,950 | 18,048 |
| more than three months and up to one year | 18,599 | 15,133 |
| more than one year and up to five years | 2,921 | 1,640 |
| more than five years | 865 | 160 |
Provisions
| in € m. | Dec 31, 2003 | Dec 31, 2002 |
| Provisions for pensions and similar obligations | 893 | 995 |
| Provisions for taxes | 5,317 | 5,080 |
| Provisions in insurance business | 8,834 | 8,352 |
| Other provisions | 6,279 | 6,717 |
| Total | 21,323 | 21,144 |
Subordinated liabilities
The following table shows the significant subordinated liabilities:
| Currency | Amount | Issuer/Type | Interest | Maturity |
| Rate | ||||
| DM | 1,400,000,000.- | Deutsche Bank AG, bearer participatory certificate of 1992 |
8.75% | Jun 30, 2004 |
| EUR | 1,100,000,000.- | Deutsche Bank AG, bond of 2003 | 5.13% | Jan 31, 2013 |
| EUR | 1,000,000,000.- | Deutsche Bank AG, bond of 2003 | 5.33% | Sep 19, 2023 |
| EUR | 750,000,000.- | Deutsche Bank Finance N.V., Curaçao, callable note of 2002 |
5.38% | Mar 27, 2012 |
| EUR | 500,000,300.- |
DB Capital Funding LLC III, Wilmington/USA, |
6.60% | Jun 30, 2029 |
| U.S.$ | 500,000,000.- | Deutsche Bank Finance N.V., Curaçao, callable note of 2002 |
var. 1.67% | Mar 27, 2012 |
| U.S.$ | 1,100,000,000.- | Deutsche Bank Financial Inc., Dover/USA, "Yankee"-bond von 1996 |
6.70% | Dec 13, 2006 |
| U.S.$ | 550,000,000.- | Deutsche Bank Financial Inc., Dover/USA, medium-term note of 2000 |
7.50% | Apr 25, 2009 |
| U.S.$ | 650,000,000.- | DB Capital Funding LLC I, Wilmington/USA, issue proceeds passed on to Deutsche Bank AG |
7.87% | Jun 30, 2009 |
| U.S.$ | 800,000,000.- | Deutsche Bank Financial Inc., Dover/USA, "Yankee"-bond of 2003 |
5.38% | Mar 2, 2015 |
For the above subordinated liabilities there is no premature redemption obligation on the part of the issuers. In the case of liquidation or insolvency, the claims and interest claims resulting from these liabilities are subordinate to those claims of all creditors of the issuers that are not also subordinated. These conditions also apply to the subordinated borrowings not specified individually.