📝 One-liners · 66 cards

Bank Guarantee

What is a Bank Guarantee?
A Bank Guarantee is a contract by which a bank (guarantor) undertakes to pay a specified sum to a beneficiary if the applicant (principal debtor) fails to fulfill a contractual or legal obligation.
What is the primary obligation of a bank when a guarantee is invoked?
Bank must pay the beneficiary immediately without question.
What is the difference between a primary liability and a contingent liability in a bank guarantee?
The bank's liability under a guarantee is contingent — it arises only if the principal debtor defaults. Until invocation, the guarantee represents a contingent liability for the bank.
Who is called the 'applicant' or 'principal' in a bank guarantee?
The borrower or customer on whose behalf guarantee is issued.
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