Talk:Suspense account

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Treatment of suspense account[edit]

If the debit side of suspense account is higher than it is shown on the asset side of the balance sheet and if the credit side of suspense side is higher it is shown on the liabilities side of the balance sheet if the missing accounts are not found.

Bank may deprive the ordinary Share holder and depositor as well as sustainable development of the country.[edit]

Bank authority make Non performing loan due to intentional or unintentional Realisation of the the debt created from letter of credit or bank guarantee issued on behalf of importer for payment of their foreign supplier or of any collateral received from debtor but can not be cashed due to certain reason. These are all non performing loan (NPL) which are not brought in figuring total debts of the bank. On the other hand bank collect high rated interest from the debtor against default loan. This interest are also kept in suspense account. This interest is not come as income in the financial account. What is happened due to all nonsense activities of bank authority? The answer may be as follows : 1. The ordinary share holder gets less dividend due to interest not brought as in financial account. 2. The bank make doubtful debt provision for these non performing loan as a result the total net income is reduced and dividend of ordinary share holder is minimized or relinquished. 3. The bank cash flow become minus due to unrealized NPL there by Capital Shortage Bank Starts reducing interest of saving of depositor. 4. State owned Bank ask government for fund for cash flow and government collect high rated tax from common people such as land tax, municipal tax, indirect tax and mass people poor to poor. Private bank gives some times allow dividend less than saving rate interest. 5. Government's sustainable Development plan is hampered. These are all happened when administrator of the country statutory rules are poor and strict compliance are not prevailed.

Shafiqur Mazumdar (talk) 12:42, 5 December 2017 (UTC)[reply]