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now I am going to deal with the the provisions relating to employment of funds by the banks employment of Bank friends as an introduction could be given like this bank funder is the combination of their own fund as well as the borrowed funding when I say their own fund that consists of paid up capital then you know reserve fund the other resource the undistributed profits etcetera they in course of time under the undistributed profits and all in course of time they become their own fund and there are also borrowed from like deposit received from the public therefore 6re the you know borrowings from the reserve bank from other commercial bank etc so you as a whole is carrying on the business of banking again all the banks in one way or the other they mobilized savings they mobilize it you know deposit from the public for the purpose of lending and the investment right is mobilizing no you are a cheap source of capital formation mr. bank and you are able to mobilize the you know you are