On a bank's balance sheet,bank capital is considered

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Bank capital is considered a liability on a bank's balance sheet because it represents the funds provided by shareholders (equity) and retained earnings, which the bank is obligated to eventually return to the shareholders. It is not an asset, the difference between assets and shareholder's equity, or specifically the funds available to make loans, although it does affect the bank's ability to lend.

On a Bank's Balance Sheet,bank Capital Is Considered