Although we have in general achieved much progress, there are many more things that need to be done in order to regain the trust that had been undermined. We must take steps to regain some of the lost trust by taking steps from the most simple to the most sophisticated.
Some the the major challenges we will continue to face and resolve are: First, the problem of relying excessively on short-term fund leading to the predominance of short term credits Although on the average in 2004 deposits experienced a modest increase, the composition of deposits have been dominated by those with maturity of 1 month.