Unaffected Bank Balance Sheet During Internal Payment Transfers
When a bank facilitates a payment between two of its own customers, its overall balance sheet remains unchanged. This is because the transaction is merely a reallocation of its existing liabilities. The decrease in the bank's liability to the payer is perfectly offset by an equal increase in its liability to the payee, leaving the total value of liabilities—and thus the balance sheet—unaffected.
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Unaffected Bank Balance Sheet During Internal Payment Transfers
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