Related to this answer, but it's a slightly different question though.

Consider this sentence. I prefer to use the singular form.

The advantage for the bank is that he/she/it can employ the capital (the loan) during a certain time.

Which is the correct usage? He, she or it?

2 Answers 2


You would use it because bank is gender neutral. It is used with nouns that have no gender, such as bank, dress, and tree.

He is used with male people (and often animals): John, Dad, Spot.

She is used with female people (and often animals): Rebecca, Aunt Meredith, Mrs. Fluffywhiskers. She is also sometimes used to refer to ships and countries, but this is often considered archaic.


Non-living entities are generally an 'it.' Except for moving vehicles of varying types, such as ships, which are generally referred to as 'she'. Except enemy vehicles, which are 'he' or 'it.'

  • Interesting, why enemy vehicles are considered male?
    – dzieciou
    Sep 9, 2021 at 13:21

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