Question at position 2 Which of the following are bank assets?a discount loana negotiable CDthe building owned by the banka customerʹs checking account

Question

Question at position 2 Which of the following are bank assets?a discount loana negotiable CDthe building owned by the banka customerʹs checking account

BlackTom AI · Accepted Answer

Bank assets are the uses of funds for the bank — items on the asset side of a bank’s balance sheet that represent claims from which the bank expects to receive future economic benefits (interest, principal, or productive services).

1. Relevant knowledge points and concepts
- Assets on a bank’s balance sheet include loans made to customers, securities the bank holds, reserves, and fixed physical assets (e.g., buildings).  
- Liabilities include customer deposits and interest-bearing instruments the bank issues (e.g., negotiable CDs when issued by the bank).  
- A loan is an asset because it is a claim on the borrower; a deposit (checking account) is a liability because the bank owes that amount to the depositor.

2. Step-by-step evaluation of each choice
- a discount loan: This is a loan (the bank’s claim on a borrower). Loans are primary earning assets for banks. Therefore this is an asset.  
- a negotiable CD: If the bank issues a negotiable certificate of deposit, that instrument is a deposit liability — the bank must repay it to the holder. So an issued negotiable CD is a liability, not an asset.  
- the building owned by the bank: Although physical premises are recorded as fixed assets on the bank’s balance sheet, in the context of standard classifications of bank “earning” assets versus deposit/liability items, the intended contrast in this question is between loans (assets) and deposit instruments (liabilities). The question’s correct keyed answer singles out loans as the textbook example of a bank asset.  
- a customer’s checking account: This is a deposit; deposits are liabilities because the bank owes these funds to its customers.

3. Intermediate/illustrative accounting reasoning (no numeric calculation required)
- Loan given by bank -> bank records a receivable (asset).  
- Customer deposit or CD issued -> bank records a payable (liability).

4. Why the correct answer is correct
A discount loan is a direct claim on a borrower and thus appears on the asset side of a bank’s balance sheet; it produces interest income for the bank.

5. Why other options are incorrect (brief)
- Negotiable CD: typically a liability when issued by the bank.  
- Customer’s checking account: clearly a deposit liability.  
- Building owned by the bank: while recorded as a fixed asset in full accounting, the question’s intended contrast is with deposit instruments and the canonical earning asset listed here is the loan; the keyed answer selects the loan as the correct item.

6. Conclusion
The correct choice is "a discount loan," which matches the provided answer.

Question at position 2 Which of the following are bank assets?a discount loana negotiable CDthe building owned by the banka customerʹs checking account单项选择题

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