Formaat bankbalans
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Zakelijk Financiën blad passiva Leningen deposito's Balans formaat Eenvoudige balans opmaak
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• such account are called as checkable deposits demand deposits (Croatia) = = deposit money (theoretical framework) = = checkable deposits (US) = = overnight deposits (Euroarea) in case of Croatia they include demand deposits on current and giro accounts which can be used for every day payments as form of deposit money - this deposits are part of money supply → M1 = Curreny outside banks + deposit money - since they have transaction function and a high level of liquidity they include lower interests which banks have to pay their owners in United States transactions deposits (checkable deposits) include all accounts on which checks can be drawn: non-interest-bearing checking accounts (demand deposits), interest-bearing NOW( negotiable order of withdrawal) accounts, and money market deposit accounts (MMDA) - in US banks are not allowed to pay interest on demand deposits - however, although banks cannot pay “explicit interest” on these deposits, banks pay “implicit interest” by providing free services and by providing some benefits for their clients (lower interest rates on bank’s loans to firms and persons which keeps a large demand deposit with it) NOW accounts are checkable deposits that pay interests (in the U.S.) they a part of money supply M1 corporations are not allowed to hold these interest-bearing accounts, but must hold their checkable deposits as demand transactions deposits → M1 = Curreny outside banks + demand deposits + other checkable deposits (like deposits on NOW accounts …) The other checkable deposits component of M1 consists of negotiable order of withdrawal (NOW) accounts and automated transfer service (ATS) balances at banks, thrifts, and foreign related institutions, credit union share draft balances, and demand deposits at thrifts..
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