Total Credits : That is the total value of Credit postings against that particular



Total Debits : That is the total value of Debit postings against that particular



Net of the two : this will be different depending on the TSide of the account, that is whether the account is an Asset or Liability on the Bank’s

Balance sheet. A lending product will typically be an asset because when the customer uses it they owe the bank money, whereas a deposit

product will be a liability because the bank owes the depositors their deposited money back.