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1.The money which a bank obtains from its customers is generally known as its “deposits” and represents the balances which customers keep on their accounts with their banks. These accounts are of two main kinds: current accounts on which customers can draw check but receive no interest, and deposit and savings accounts on which the banks pay interest for the use of the money.
2.But the shareholders' money is only a small part of the total amount of money which the clearing banks have at their command. Who provided the rest of this enormous sum? The banks' customers. Banks, in effect, borrow from their customers as well as lend to them.
3.Shareholders of the banks, or their predecessors, provided the money to set up the banks and to enlarge them. This money is known as a bank’s capital.
4.When a bank makes a payment on a check, it cancels the check. That is, it marks the check with some kind of stamp so that the check cannot be used again. Postage stamps are also canceled to indicate that they have been used and cannot be used again.
5.Advances are the amounts which the banks lend to their customers. They earn a higher rate of interest than the banks' other assets. Advances cannot be so conveniently and quickly turned into cash as most of a bank's other assets.
1.Banks were developed to keep people's money safe and to make it available when they needed it. Since money was invented, people have been borrowing and lending it.
2.Cash is a banker's stock in trade but it earns nothing and costs him a great deal to store, safeguard and transport, so he will keep as little of it as he can.
3.At the end of the month, the bank sends you a statement of your account. The statement provides a summary of the checks that have been paid and the deposits that have been made. The amount that is left in your account after the cheeks have been deducted and the deposits have been credited is the balance.
4.If there is any doubt about the signature, the bank will refuse to cash the check and will return the check to the endorser. A check must be endorsed before it can be cashed - that is, the person or company to whom the check is made out must sign it on the back.
5.A group of ten international banks is to underwrite and sell the bonds.
1.When you put money in the bank, you write the date and the amount deposited on a deposit slip.
2.When you spend your income, you are buying things from the market. You may spend money in stores, supermarkets, gas stations, and restaurants. Still you are buying from the market. When the local grocer hires you to drive the delivery truck, he is buying your labor in the labor market.
3.The market may seem to be a fuzzy sort of thing. But for each person(or business)who is making and selling something, it's very real. The market is telling you something.
4.It's telling you that you are using your energies and resources in doing something the market doesn't want you to do.
5.The banks are commercial enterprises and like many other businesses are organized as companies which are owned by shareholders.