The Economics of Money and Banking Chapter 6 Commercial Banks 》》》 Off-Balance-Sheet Businesses 3 Off-balance-sheet businesses are businesses which are not recorded in bank balance sheet,but bring banks extra fees. Business of Commercial Banks ▣ Loan commitment ▣ guarantee ▣ payment services ▣ services of bank cards Trust and advisory service 15 GUO YING SEM TONGJI UNIVERSITYThe Economics of Money and Banking 15 GUO YING SEM TONGJI UNIVERSITY 3  Loan commitment  guarantee  payment services  services of bank cards  Trust and advisory service Chapter 6 Commercial Banks Business of Commercial Banks Off-balance-sheet businesses are businesses which are not recorded in bank balance sheet, but bring banks extra fees. Off-Balance-Sheet Businesses