Off-balance-sheet activities consist of trading financial instruments and generating income from fees and loan sales,all of which affect bank profits but are not visible on bank balance sheets.

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Off-balance-sheet activities refer to financial transactions that do not appear on a company's balance sheet but can affect its financial performance. Examples of such activities include trading financial instruments, earning income from fees and commissions, and selling loans. These activities have an impact on a bank's profits but are not reflected on its balance sheet.

Off-Balance-Sheet Activities Consist of Trading Financial Instruments and Generating Income