KOIRALA KO BHAI BAINI SABHAPATI

A bank is an institution that accepts deposits of money from the public withdraw-able by cheque and used for lending. Thus, there are two essential functions which make a financial institution a bank: (1) Acceptance of chequable deposits (of money) from the public and (2) Lending. The former is its unique or most distinctive function. Three things about deposits are noteworthy: (i) They are deposits of money and not of goods or non-money financial assets; (ii) Deposits are accepted from the public at large and not merely from its shareholders or members;
       
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