BBK annual report eng 21.5.5

Notes to the Consolidated Financial Statements (continued)31 December 200433 Liquidity riskLiquidity risk is the risk that the Group will be unable to meet its funding requirements. Liquidity risk can be caused by market disruptions or a creditdowngrade which may cause certain sources of funding to dry up immediately. To guard against this risk, management have diversified fundingsources, assets are managed with liquidity in mind and liquidity positions are monitored, maintaining a healthy balance of cash, cash equivalents,and readily marketable securities. In addition, the Group maintains various statutory deposits with central banks and has taken lines of credit fromvarious banks and financial institutions.The table below summarises the maturity profile of the Group’s assets and liabilities based on contractual repayment arrangements, and does not takeinto account the effective maturities as indicated by the Group’s deposit retention history.As of 31 December 2004Less than 1 month to 3 months 1 – 5 5 – 10 10 – 20 More than1 month 3 months to 1 year years years years 20 years Undated TotalBD ‘000 BD ‘000 BD ‘000 BD ‘000 BD ‘000 BD ‘000 BD ‘000 BD ‘000 BD ‘000AssetsCash and balances with central banks 16,133 284 441 599 - - 10 18,215 35,682Treasury bills 9,965 9,967 5,503 - - - - - 25,435Trading investments 2 - - - - - - - 2Deposits and due from banks andother financial institutions 165,994 14,258 6,901 - - - - - 187,153Loans and advances to customers 144,570 52,505 85,946 256,566 186,217 38,885 - - 764,689Non-trading investment securities 1,736 20,463 103,064 116,625 94,704 1,557 50 37,932 376,131Investment in associated company - - - - - - - 5,812 5,812Interest receivable and other assets 6,707 1,382 837 2,133 - 31 - 201 11,291Premises and equipment - - - - - - - 14,580 14,580Total assets 345,107 98,859 202,692 375,923 280,921 40,473 60 76,740 1,420,775LiabilitiesDeposits and due to banks andother financial institutions 137,599 80,025 11,228 - - - - - 228,852Borrowings under repurchase agreements - 72,176 - - - - - - 72,176Term loans - - - - - - - - -Medium term deposits from banks - - - 94,250 - - - - 94,250Customers’ current, savingsand other deposits 570,554 159,695 100,118 11,452 2,683 - - - 844,502Interest payable and other liabilities 22,203 - 705 205 - - - 104 23,217Total liabilities 730,356 311,896 112,051 105,907 2,683 - - 104 1,262,997