23 Due to customers audited information (XLS:) Download in CHF thousands 31.12.2019 31.12.2018 +/− % On demand 12'168'013 12'356'765 –1.5 At maturity or callable 1'419'153 1'575'014 –9.9 Savings accounts 3'376'952 3'543'927 –4.7 Total due to customers 16'964'118 17'475'706 –2.9