If a bank has $100 million in actual reserves and $80 million in required reserves, it may make new loans of up to $20 million.

Name: If a bank has $100 million in actual reserves and $80 million in required reserves, it may make new loans of up to $20 million.
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The bank's excess reserves are the actual reserves ($100 million) minus the required reserves ($80 million), which equals $20 million. This is the amount the bank can potentially lend out.

If a Bank Has $100 Million in Actual Reserves and $80