The Economics of Money and Banking Chapter 6 Commercial Banks >>>Assets of Commercial Banks 3 The assets of commercial banks refer to the businesses through which a bank makes use of the funds gathered from liabilities.They are the Business of Commercial Banks main channels of earning incomes for commercial banks. As for the funds gathered mainly from the public,banks should use the funds by combining the profitability with liquidity. 12 GUO YING SEM TONGJI UNIVERSITYThe Economics of Money and Banking 12 GUO YING SEM TONGJI UNIVERSITY 3  As for the funds gathered mainly from the public, banks should use the funds by combining the profitability with liquidity. Assets of Commercial Banks Chapter 6 Commercial Banks Business of Commercial Banks The assets of commercial banks refer to the businesses through which a bank makes use of the funds gathered from liabilities. They are the main channels of earning incomes for commercial banks