Where the words come from
The balance sheet as a list of assets and liabilities, the T-account, cash and central bank balances, loans and bonds as assets, deposits as liabilities, net worth, and the asset-liability time mismatch — Principles of Economics 2e, OpenStax, licensed CC BY 4.0. https://openstax.org/books/principles-economics-2e/pages/27-3-the-role-of-banks. Changes: "reserves" renamed "cash and central bank balances", since AQA uses reserves for retained profit; the Federal Reserve became the central bank or the Bank of England; US government bonds became gilts; the liquidity definition taken from 27.2; the mortgage and current-account examples are ours; British spelling. The T-account, liquidity and recap blocks were rewritten in our own words and no longer cite this source.
Bank capital as net worth, and the requirement to hold a minimum net worth expressed as a percentage of assets — Principles of Economics 2e, OpenStax, licensed CC BY 4.0. https://openstax.org/books/principles-economics-2e/pages/28-2-bank-regulation. Changes: "to protect their depositors and other creditors" recast as losses falling on owners before depositors; the risk weighting of assets, the liquidity ratio and the two worked ratios are ours.
The question and the page layout are our own.