BBK annual report eng 21.5.5

16 Cumulative changes in fair values2004 2003BD ’000 BD ’000Available-for-sale investmentsAt 1 January 4,370 134Realised in the year (3,489) (2,515)Change in unrealised fair values during the year 12,823 6,751At 31 December 13,704 4,370Cash flow hedgesAt 1 January (384) (720)Change in unrealised fair values during the year (63) 718Change in unrealised fair values - associated company 189 (382)At 31 December (258) (384)13,446 3,98617 Proposed appropriations2004 2003BD ’000 BD ’000Dividend 19,764 16,941Directors’ remuneration 260 260Donations 600 60020,624 17,801The directors have proposed a cash dividend of 35% being BD 0.035 per share (2003: BD 0.030 per share) to be applied to the shares in issue,net of treasury stock, as of the balance sheet date.The above appropriations will be submitted for formal approval at the Annual General Meeting to be held on 27 February 2005.18 Interest income2004 2003BD ’000 BD ’000Treasury bills 1,508 1,348Deposits and due from banks and other financial institutions 4,087 4,053Loans and advances to customers 35,878 29,974Non trading investment securities 9,311 11,06250,784 46,43719 Interest expense2004 2003BD ’000 BD ’000Deposits and due to banks and other financial institutions 9,948 8,847Term loans 139 704Customers’ current, savings and other deposits 11,172 10,80921,259 20,360Annual Report 2004 46 | 47