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MANAGEMENT OF DEPOSITS
IN COMMERCIAL BANKS

Before going in to details of Deposit management
One must under stand the format of balance sheet


THIRD SCHEDULE TO BANKING REGULATIONS ACT 1949

FORM A
FORM OF BALANCE SHEET

SCHEDULE AS ON 31/3/----
(Current year) AS ON 31/3/----
(Previous Year)
CAPITAL & LIABILITIES
Capital
Reserves & Surplus
Deposits
Borrowings
Other Liabilites & Provisions

1
2
3
4
5
Total
ASSETS

Cash & Balances with RBI
Balances with banks and money at call and short notice
Investments
Advances
Fixed Assets
Other Assets


6
7

8
9
10
11


Total
Contingent Liabilities,Bills for collections


Introduction

Deposits represent the most important source of funds for a bank.

Deposits are received from a large number of constituents, generally in small amounts.

Balance Sheet Disclosure

Deposits are required to be classified in the balance sheet under the following heads.

A. I. Demand......

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Approximate Word Count: 4181
Approximate Pages: 17 (250 words per double-spaced page)

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