In the U.S.banking system,the ratio of a bank's reserves and its outstanding deposits is usually less than onE.

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This is known as the reserve requirement ratio, and it is typically less than one, meaning that banks are not required to hold reserves equal to their total outstanding deposits. The current reserve requirement ratio in the U.S. is 10%, meaning that banks only need to hold 10 cents in reserve for every dollar of deposits they have.

In the USBanking System,the Ratio of a Bank's Reserves and Its Outstanding