A debit balance of D 61,000 on a customer's bank statement means that 

a

the customer's bank balance is D 61,000.

b

the customer owes the bank D 61,000.

c

a customer's cheque of D 61,000 is yet to be cleared by the bank.

d

a direct deposit of D 61,000 was made by a customer. 

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Correct Option
b

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