What kind of liabilities do banks hold?

Banks primarily hold deposits made by customers as liabilities. This is because when individuals or businesses deposit money into a bank, those funds are considered liabilities on the bank's balance sheet. The bank has an obligation to return these deposits to the customers when they request it. Deposits also form a significant portion of the bank's funding, which it uses to make loans and other investments.

On the other hand, loans made to customers are considered assets for the bank, not liabilities. The bank expects to receive repayments on these loans, thus earning interest over time. Investments made in stocks and corporate bonds are also assets for the bank, as they represent ownership in entities or debt obligations that can provide income. Therefore, the most accurate answer in the context of what liabilities banks hold is deposits made by customers.