By Ne. Thi. Somashekar
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Extra info for Banking
Subscribed capital represents that part of issued capital which is actually subscribed by the public. Finally, paid-up capital is that part of the subscribed capital which the subscribers are actually called upon to pay. 2. Reserve Fund: Reserve fund is the accumulated undistributed proﬁts of the bank. The bank maintains reserve fund to tide over any crisis. But, it belongs to the shareholders and hence a liability on the bank. In India, the commercial bank is required by law to transfer 20 per cent of its annual proﬁts to the Reserve fund.
It is true that a successful banking business calls for installing conﬁdence in the minds of the depositors. But, it should be noted that accepting deposits is not the only function of a bank. Moreover, the bank cannot afford to forget the fact that it has to earn income to pay salaries to the staff, interest to the depositors, dividend to the shareholders and meet the day-to-day expenditure. If the bank keeps all its resources in liquid form, it will not be able to earn even a rupee. But proﬁtability is a must for the bank.
The government is free to withdraw the amount whenever it wants by cheque. Similarly, when a bank purchase a bill of exchange or discounts a bill of exchange, the proceeds of the bill of exchange is credited to the account of the seller and promises to pay the amount whenever he wants. Thus asset acquired by a bank creates an equivalent bank deposit. ” The derivate deposits are regarded as bank money or credit. ” Thus, credit creation implies multiplication of bank deposits. ” Process of Credit Creation An important aspect of the credit creating function of the commercial banks is the process of multiple-expansion of credit.
Banking by Ne. Thi. Somashekar