Average balance is more commonly used when referring to an average daily balance, particularly when charging interest on loans. Since banks are not permitted to charge interest on interest, any payments are applied first to interest payments due, and then to principal.
For investors who trade on margin accounts, the average balance may be used to determine margin requirements or any margin calls that the brokerage makes.
2) средний компенсационный остаток (на банковском счёте)