When Discussing the Banking System,a Cash Drain of 5% Means

When discussing the banking system,a cash drain of 5% means that

A) 5% of an initial new deposit to the banking system is paid in banking fees and is therefore not available for the creation of new deposit money.
B) depositors wish to hold 5% of the value of their deposits in cash.
C) 5% of an initial new deposit to the banking system is payable as a financial services tax.
D) 95% of an initial new deposit is maintained as cash reserves by the commercial bank.
E) depositors wish to hold 95% of the value of their deposits in cash.