What are primary reserves?
Primary reserves are assets that the bank has at hand to cover selection, loans and other activities that require fast or immediate liquidity. This amount also includes money located in the federal reserve system and is basically the minimum amount necessary for the bank to cover accounts and business. Banks also have secondary reserves, which are assets invested in short -term securities and other investments that pay interest and earn income for institutions. Primary reserves should not be confused with the ratio of the primary reserve, which is a comparison of the net assets of the organization and its total expenditure. This is a minimum amount of money that must be at hand or available by a bank to remain functional and in some areas the required value may be legally required. It includes assets that are on Apoloha banka, as well as the money that is in the federal reserve reserve reserve insurance in this institution. Primární rezervy také zahrnují kontroly, kteThey were accepted, but have not yet been collected.
Unlike primary reserves, secondary funds are not immediately accessible to the bank, but which usually create income for organization. This includes assets that have been invested by the bank in secure, usually short -term bonds or other securities. Unlike primary reserves, these funds are not part of the minimum required assets of the institution, which allows banks to invest this money to earn revenue and profit. Secondary reserves are not usually accessible by a bank and are not included as a source of liquidity if the selections are launched.
Primary reserves should not be confused with the ratio of the primary reserve for the organization, which is a sign of how well the enterprise can continue to operate without income. This value is determined as a simple fraction in which the numerator or the highest number,vynaložitelná čistá aktiva společnosti. Tato aktiva zahrnují prostředky na ruce i peníze, které neinvestují dlouhodobě a jsou snadno dostupné. Jmenovatelem nebo nižší hodnotou této zlomky jsou celkové výdaje pro organizaci, včetně provozních nákladů a dalších nákladů. This fraction is then converted into a decimal number that represents how well the company is able to pay its expenses on the basis of net assets, regardless of additional income.