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Thread: What are the liabilities of a commercial bank?

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    Default Re: What Is a real time gross settlement system used in commercial banks?

    real time gross settlement systems are specialist in fund transfer system where the transfer of money of securities takes place in from one bank to any other bank on real time and on her real gross basis settlement in real time in a payment transaction is not subjected to any waiting period with transactions been settled as soon as they are processed gross settlement means day transaction is settled on one to one basis without bunding or netting with their is any other transaction

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    Default Re: What are the liabilities of a commercial bank?

    There are many liabilites of a Bank and the most important liabilities they have is to render monetary services to the people which can be in two categories
    primary liabilities
    secondary liabilities.

    primary: this are the major responsibility that they can not afford to neglect
    deposit: the commercial banks accept peoples deposit for saving purpose
    Making Advance: they also give out loans in different ways which are an over draft facility, cash credit, bill discounting
    withdrawal of money by customers: they are to makes funds available for the customers that wants a withdrawal

    secondary:
    1. they accept tax proceeds and tax returns
    2. they purchase and sell securities.
    3. they deal in foreign exchange transactions.

    Though trading on financial markets involves high risk, it can still generate extra income in case you apply the right approach. By choosing a reliable broker such as InstaForex you get access to the international financial markets and open your way towards financial independence. You can sign up here.


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    Banks are referred to as business entities that collect funds from the public in the form of deposits and distribute them to the public in the form of loans and other forms in order to improve people's lives. Commercial banks are banks that carry out conventional business activities and based on sharia principles, which in their activities provide services in payment traffic.

    The liabilities of a commercial bank include :

    ~ Providing a place to store goods and securities.
    ~ Perform factoring activities, credit card business and trustee activities.
    ~ Transfer money both for its own sake and for the benefit of customers.

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    ~ Conduct safekeeping activities for the benefit of other parties based on a contract.
    ~ Receive payments from bills for securities and make calculations with third parties.
    ~ Placing funds from customers to other customers in the form of securities not listed on the stock exchange.
    ~ Providing financing and conducting other activities based on Sharia Principles, in accordance with the provisions stipulated by the central bank.
    ~ Conducting other activities commonly carried out by banks as long as they do not conflict with this law and the applicable laws and regulations.
    ~ Placing funds in, borrowing funds from, or lending funds to other banks, either by using letters, telecommunications facilities or by money orders, checks or other means.

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    Banks do have asset and even individual, have our own assets and liabilities. Individual assets are anything we own outright, such as a car, a house, or cash in a bank account.
    Individual liabilities are considered to be anything that you make payments on, such as rent, a mortgage, a car payment, or utilities.
    Banks liabilities this include mortgage payments for the building, distribution payments to customers from stock, and interest paid to customers for savings and certificates of deposit.
    The above liabilities are just normal liability, but the main liability of a bank are
    Capital Reserve, borrowing & deposit, of which they cannot joke with.

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    Any business whether a manufacturing unit , services industry or financial corporation has a balance sheet comprising of assets and liabilities. The primary function of a commercial bank is accepting deposits and lending loans. The deposits accepted by a bank come with a promise to pay at the time whenever depositor needs i.e. they are liabilities of the banks while the loans lent out by the banks are their assets.

    In simpler terms deposits by customers is liability for the bank and loans are liability for the customers.

    Besides there are statutory liability, balance sheet liability, conventional liability, pecuniary liability, contingent liability, social liability, national liability.

    Though trading on financial markets involves high risk, it can still generate extra income in case you apply the right approach. By choosing a reliable broker such as InstaForex you get access to the international financial markets and open your way towards financial independence. You can sign up here.


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    All licenced businesses, be it a service delivery industry or corporations, all possess a balance sheet that all encompasses assets and liabilities. In this context, liability is a relative term anything owed by one to another is liability.
    Banking has a problem, which is liabilities i.e the deposits accepted by it have to be repaid on demand or at completion of time while in case of its assets, all assets are not return back i.e loans go bad and are written off.
    The basic function of commercial banks is accepting deposits and lending loans. The deposits accepted by the bank are liabilities to the banks while the loans lended by the banks are their assets. Liabilities in the commercial banks ranges from statutory to contingency liabilities.

    Though trading on financial markets involves high risk, it can still generate extra income in case you apply the right approach. By choosing a reliable broker such as InstaForex you get access to the international financial markets and open your way towards financial independence. You can sign up here.


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    What I can easily identify from the liability of a commercial banks is the savings account of their customers, this can either be fixed deposit or the regular savings account that we have, it is however necessary that we can understand these liabilities in order to plan well when we are writing an examination about it, the capital reserves is another liability that we can have this is because it is not their assets, and then we have the borrowings, these are the many different ways that a bank usually have money to finance their operations, that is why they are very interested in people have deposit with them especially because it is a source of income that is quite cheap, when the banks borrow from other sources, it is usually quite expensive to maintain.


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    A commercial bank is one of the main financial organizations of a country or reason. The main business of a bank is to provide loan to its customer. Interest from the loan is the main earning source of a commercial bank. So, we can say that the amount of money they are providing as loan is their assets. But what is their liabilities? It is a very good and important question.

    Every commercial bank started their business with some capital but this capital is not enough to fulfill the demand of their customers. So, they collect more money from their customers or any others depositors with lower interest than their loan providing interest. There are some packages offered by commercial bank like fixed deposit, different types of insurance etc. and by this package they collect money from public I think this public money is their main liabilities. Sometimes they collect money from government, so government debt also their liabilities.

    Though trading on financial markets involves high risk, it can still generate extra income in case you apply the right approach. By choosing a reliable broker such as InstaForex you get access to the international financial markets and open your way towards financial independence. You can sign up here.


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    There are many stuff that falls into the categories of a mercantile embank, sometimes when we look at these banks we just believe that they are at work with their essential funds but that is not true, one of the top liabilities of a sloppy mound is customers deposits, the cash that you take to the bank to protect is an asset to you but because it does not belong to the the bank, when they are preparing their financial statements at the limit of each year, they will mainly avow that as part of the liabilities which must be describe.Another liability of the mercurial banks is the loaning that they assemble either from the central terrace or from other financial institutions that tender lend pliancy to the companies, this one is usually extravagant because those loans indispensably to be serviced, that is why when we see that populate are ascribable a mound, it generally affects their inability to repay the loans they themselves accessed from other ascent.


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    Banks are referred to as business entities that accumulate pool from the public in the form of settling and distribute them to the public in the form of loans and other formula in order to correct kindred's living. Commercial banks are banks that bear out formal office activities and supported on sharia moral code, which in their activities contribute services in satisfaction bargain.Banks do have asset and even person, have our own assets and liabilities. Individual assets are anything we own plain, such as a car, a house, or cash in a bank relation.Individual liabilities are weigh to be anything that you make payments on, such as breach, a mortgage, a car return, or utilities.Banks liabilities this include charged payments for the edifice, disposal payments to customers from supply, and interest paid to customers for savings and policy of deposit.The above liabilities are honest ordinary liability, but the force liability of a rampart are Capital Reserve, hostage & depository.

    Though trading on financial markets involves high risk, it can still generate extra income in case you apply the right approach. By choosing a reliable broker such as InstaForex you get access to the international financial markets and open your way towards financial independence. You can sign up here.


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