1.

Balance Sheet
- A balance sheet is a financial statement that at a particular point in time records the assets ,
liabilities and shareholder equity of a corporation and provides a framework for calculating
return rates and assessing the capital structure. It is a financial statement that offers a
summary of what is owned and owed by a company, as well as the amount spent by
shareholders.
2. Checking deposits
- For any demand deposit account to which checks or drafts of any form can be written,
checkable deposits is a technical term. (A demand deposit account means that, with no
warning, the owner can withdraw funds on demand.) Any form of negotiable draft, such as a
negotiable withdrawal order (NOW) or Super NOW account, also includes them. (NOW
accounts can need written notice for seven days before you withdraw cash from them, but this
is rarely needed.)
3. Demand Deposit
- A demand deposit account (DDA) consists of funds held in a bank account from which
deposited funds can be withdrawn at any time, such as checking accounts. DDA accounts can
pay interest on a deposit into the accounts but aren’t required. A DDA allows funds to be
accessed anytime, while a term deposit account restricts access for a predetermined time. 
4. Negotiable Order Withdrawal
- An interest-earning demand deposit account is a Negotiable Order of Withdrawal Account. It
is permitted for a client with such an account to write drafts against money kept on deposit. A
"NOW Account" is also regarded as a Negotiable Order of Withdrawal Account.
5. Money Market Deposit Account
- A money market deposit account (MMDA) is a special type of bank or credit union savings
account, also known as a money market account (MMA), with certain features not found in
standard savings accounts. Many money market deposit accounts pay a higher interest rate
than traditional savings accounts with passbooks and also have privileges for check-writing
and debit cards. MMDAs often come with limitations that make them less flexible than
normal accounts of checks or savings.
6. Certificate of Deposit
- A certificate of deposit (CD) is a product provided by banks and credit unions which, in
return for the customer agreeing to leave a lump-sum deposit unchanged for a fixed period of
time, offers an interest rate premium. While it's up to what bank what CD terms it wants to
offer, almost all consumer financial institutions offer them, how much higher the rate would
 be relative to the savings and money market products of the bank, and what penalties it
imposes for early withdrawal.
7. Non Transaction Deposit
- A transaction deposit is a bank deposit that, without delays or waiting periods, has immediate
and full liquidity. At the request of the account holder, transaction deposits may be used for
other transactions. For example, a checking account is a common transaction deposit account
and the holder of the account is entitled to withdraw the amount at any time. An example of a
non-transaction account is a savings account.
8. Savings Account
- An interest-bearing deposit account kept at a bank or other financial institution is a savings
account. While these accounts usually pay a moderate interest rate, their protection and
reliability make them a great choice for short-term requirements for parking cash you want
available. Savings plans have some restrictions on how frequently you can withdraw money,
but typically offer excellent flexibility that is perfect for creating an emergency fund, saving
for a short-term purpose such as buying a car or going on holiday, or simply sweeping excess
cash that you don't need in your bank account so that elsewhere it can gain more interest.
9. Time Deposit
- A time deposit is a bank account carrying interest that has a pre-set maturity date. The best-
known example is a certificate of deposit (CD). In order to receive the claimed interest rate,
the money must stay in the account for the set term. Generally, time deposits pay a
marginally higher interest rate than a normal savings account. The longer the time to
maturity, the greater the payment of interest would be. Term deposit is another name for this
investment form.
10. Discount Loans
- The lender measures the interest and other associated costs of a discount loan and lowers
them from the face sum before lending to the borrower. The creditor, however, has to pay the
whole amount back-the principal, the associated charges and the interest. Interest is what the
borrower has to pay when he or she takes out a loan on top of the principal. Discount loans
are commonly issued by persons requiring a short-term loan.
11. Bank Capital
- Bank capital is the difference between the assets of a bank and its liabilities and reflects to
investors the bank's net worth or its equity value. Cash, government securities, and interest-
earning loans (e.g. mortgages, letters of credit, and inter-bank loans) are included in the asset
portion of a bank's capital. The liabilities portion of the capital of a bank contains reserves for
 loan-loss and any debt it owes. The capital of a bank can be seen as the margin on which
creditors are covered if the bank would liquidate its assets.
12. Reserves
- In the business and finance world, reserves refer to 'money in hand'-money available for a
wide variety of options, including meeting potential scheduled payments, unforeseen
incidents, crises, opportunities, etc. They are funds put aside for potential use or 'just in case'
by individuals , corporations, associations, central banks, and governments.
13. Reserve Requirements
- Reserve requirements are the amount of cash that banks must provide, in line with deposits
made by their clients, in their vaults or at the nearest Federal Reserve bank. Set by the Board
of Governors of the Fed, reserve requirements are one of the three primary monetary policy
instruments; open market operations and the discount rate are the other two instruments.
14. Correspondent Banking
- The term correspondent bank refers to a financial institution that, usually in another country,
supplies services to another one. It works on behalf of another bank as an intermediary or
representative, facilitating wire transfers, performing business transactions, receiving
deposits, and collecting documents. It is most likely that correspondent banks will use
domestic banks to service transactions that either originate or are completed in foreign
countries.
15. Deposit Outflows
- Deposit outflows is the losses of deposits when depositors make withdrawals or demand
payment.