Components of Demand and Time Liabilities

List of Demand and Time Liabilities:

Various items of demand and time liabilities that are reckonable for the computation of required CRR and SLR are listed below. The items listed are generic in nature and are applicable to both Conventional and Islamic banking.

Demand Liabilities:

(a) Demand Deposits (General)

                   i.            All Current Accounts except from banks

                 ii.            All Cash Credit Accounts (Credit Balances)

              iii.            Demand Portion of Savings 4 Accounts.

              iv.            Overdue fixed deposit accounts

                 v.            Call deposits account other than from  banks (On demand)

              vi.            Unclaimed balance accounts.

            vii.            Interest accrued on the above accounts.

         viii.            All other Deposits are payable to the public on demand e.g. outstanding bills, payment orders, telegraphic transfers & Mt, Outstanding drafts. Drafts payable account

              ix.            Demand drafts

                 x.            Hajj deposits

              xi.            Bonus scheme remittances payable, branch remittances payable, bills payable, certificates payable, foreign currency deposit account, unsold balance of NFCD account.

            xii.            Convertible Taka account.

 

 

 

(b) Other Demand Liabilities

                               i.            Margin of L/Cs

                             ii.            Margin of Guaranties

                          iii.            Lockers Key Security Deposits

                          iv.            Unclaimed Dividend/Dividend Payable

                             v.            Credit Balance and adjustment account

                          vi.            Security Deposit accounts

                        vii.            Sundry Deposits accounts

                     viii.            Any other miscellaneous deposits payable on demand

Time Liabilities:

(a) Time Deposits (General):

                     i.            Fixed Deposits from Customers other than from banks

                   ii.            Special Notice Deposits other than those from banks.

                iii.            The time portion of the savings bank deposits

                iv.            Short-term deposits account

                   v.            Recurring deposits

                vi.            Interest accrued on all above accounts

 

(b) Other time Liabilities:

                               i.            Employee Provident Fund Accounts

                             ii.            Staff pension Fund

                          iii.            Employees Security Deposits

                          iv.            Staff Guarantee or Security Fund

                             v.            Contribution towards Insurance Fund

                          vi.            Any other miscellaneous liabilities payable on notice or after a specified period

                        vii.            Margin account-Foreign Currency

                     viii.            Liabilities towards Foreign banks/Correspondence bank

                          ix.            Bi-lateral trade Liabilities.