Today I came across this sentence:
"A deposit which has been pledged with (some bank) for securing a loan granted to a non-bank costumer should also be excluded from the calculation of qualifying liabilities to the extent of the outstanding balance of the loan."
When the bank calculates its liabilities it excludes the deposit in its calculation until the deposit becomes more than the outstanding balance of the loan. As long as the outstanding balance exceeds the value of the deposit then the bank is not obligated to return the deposit, so it shouldn't be considered a liability.
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