Bank assets consist of the following categories EXCEPT:[Fill in the blank]

Question

BlackTom AI · Accepted Answer

On a bank's balance sheet, assets are what the bank owns or is owed and liabilities are what the bank owes to others.

1. Relevant knowledge points and concepts
- Assets = resources controlled by the bank that generate future economic benefits (e.g., loans, investment securities, cash, and receivables).
- Liabilities = obligations the bank must pay (e.g., customer deposits, including demand deposits, savings, time deposits).
- Typical bank asset categories: loans (interest-earning), investment securities (treasuries, muni, agency securities), cash and due-from-banks (reserves, vault cash, interbank balances), and other assets (fixed assets, accruals, receivables).

2. Step-by-step reasoning process
- Identify each answer option and classify it as asset or liability.
- Compare to standard bank balance-sheet categories.

3. Intermediate classification steps
- a. Loans: Bank lends money and records loans receivable as assets. (Asset)
- b. Investment securities: Bank purchases securities to earn interest or liquidity—recorded as assets. (Asset)
- c. Demand deposits: These are funds customers can withdraw on demand; the bank owes these to customers, so they are recorded as liabilities. (Liability)
- d. Noninterest cash and due from banks: Cash, vault cash, and interbank balances are assets (available funds). (Asset)
- e. Other assets: Catch-all for fixed assets, prepaid items, accrued interest receivable, etc. (Asset)

4. Why the correct answer is correct
Demand deposits are funds the bank must return to depositors on demand; they are obligations (liabilities), not resources the bank owns. Therefore “demand deposits” does not belong in a list of bank assets.

5. Why the other options are incorrect choices for “EXCEPT”
- a, b, d, e are all typical asset categories on a bank’s balance sheet. They represent resources or claims the bank holds, so they correctly belong to the asset side and thus are not the correct “EXCEPT” answer.

6. Conclusion confirming final answer
Because demand deposits are depositor obligations (liabilities) while the others are assets, the correct choice is c. demand deposits.

Bank assets consist of the following categories EXCEPT:[Fill in the blank]单项选择题

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