Which of the Following Is a Reason Why a Bank

Which of the following is a reason why a bank may hold excess reserves?

A) It earns more interest on reserves than on loans.
B) It is required to do so.
C) It may want flexibility to increase its loans if interest rates rise in the near future.
D) Banks often expect a drop in the required reserve ratio.
E) Banks often expect a rise in the required reserve ratio.