Interest rate risk The Company accepts exposure to interest rate risk on floating-rate financial assets through the effect of changes in prevailing interest rates. The Company receives interest on its cash deposits at a rate agreed with its bankers and on liquidity funds at rates based on the underlying investments. Investments in loan stock and fixed interest investments attract interest predominantly at fixed rates. A summary of the interest rate profile of the Company`s investments is shown below. Interest rate risk profile of financial assets and financial liabilities There are three levels of interest which are attributable to the financial instruments as follows: *”Fixed rate” assets represent investments with predetermined yield targets and comprise fixed interest and loan note investments. *”Floating rate” assets predominantly bear interest at rates linked to Bank of England hop over to this web-site base rate and comprise cash at bank. *”No interest rate” assets do not attract interest and comprise equity investments, loans and receivables (excluding cash at bank) and other financial liabilities. Credit risk Credit risk is the risk that a counterparty to a financial instrument is unable to discharge a commitment to the Company made under that instrument. The Company is exposed to credit risk through its holdings of loan stock in investee companies, investments in liquidity funds, cash deposits and debtors.
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