Financial statements Notes to the Consolidated Financial Statements continued For the 52 weeks ended 26 June 2021 17 Financial risk management continued Financial Financial Derivatives assets at liabilities at used for amortised cost amortised cost hedging Total At 26 June 2021 £’m £’m £’m £’m Cash and cash equivalents 128.6 – – 128.6 Trade and other receivables 5.7 – – 5.7 Accrued income 0.3 – – 0.3 Derivative financial instruments – – 0.7 0.7 Total financial assets 134.6 – 0.7 135.3 Trade and other payables – (69.6) – (69.6) Accruals – (57.9) – (57.9) Bank borrowings – – – – Provisions – (4.5) – (4.5) Derivative financial instruments – – (5.9) (5.9) Total financial liabilities – (132.0) (5.9) (137.9) Net financial assets/(liabilities) 134.6 (132.0) (5.2) (2.6) The currency profile of the Group’s cash and cash equivalents is as follows: 2021 2020 £’m £’m Sterling 122.4 71.8 US dollar 5.8 18.1 Euro 0.4 0.1 128.6 90.0 18 Bank loans 2021 2020 £’m £’m Total borrowings – 45.0 Less: unamortised debt issue costs1 (0.2) (0.4) (0.2) 44.6 1. Unamortised debt issue costs are included in other receivables as at 26 June 2021 as there is no debt at the period end. Borrowings relate to the Group’s syndicated Revolving Credit Facility (RCF), as described in note 17. The carrying amount of bank borrowings is equal to fair value. The Group also has an accordion option with a maximum facility of £75m, as well as an overdraft facility of £10m. 210 DUNELM GROUP PLC ANNUAL REPORT & ACCOUNTS 2021