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12 March, 2022

Explain the different types of liabilities dealt with the financial institutions with example

The liabilities are differentiating into two types i.e. Current and Non-Current. The distinction is made on the basis of time period.

a) Current Liability: It is one which the entity expects to pay off within one year from the reporting date.

b) Non-Current Liability: It is one which the entity expects to settle after one year from the reporting date.

Types and examples

Following are examples the common types of liabilities along with their usual classifications.

 

Liability

Classification

Long Term Bank

Loan

 

 

Non-current

Bank Overdraft

current

Short Term Bank

Loan

 

 

current

Trade Payables

current

Debenture

Non-current

Tax Payable

Current

 

It may be appropriate to break up a single liability into their current and non- current portions. For instance, a bank loan spanning two years and carrying 2 equal installments payable at the end of each year would be classified half as current and half as non-current liability at the inception of loan.