1.The banks' short-term assets earn interest but less than that obtained through “Investments” and “Advances to customers”. Like the short-term assets, they too can be readily sold, should the need arise, but their price can vary.

2.The banks investments are nearly all in securities issued or guaranteed by the British Government and quoted on the Stock Exchange.

3.The banks provide an efficient and convenient method of making payments.

4.To reinforce their cash reserves, banks keep another sizeable chunk of their money in assets which can be quickly turned back into money with little risk of loss.

5.A banker must always remember that he is dealing with other people's money and that he is responsible for its safety.

6.We should continue to deepen financial reform, rectify financial order, tighten financial supervision and regulation by law and improve performance.