Monday, November 17

Actual and Potential Deposit Expansion Multipliers

Potential deposit expansion multiplier:
Increase in money supply due to one additional dollar of deposits.

Potential multiplier = 1 / Required reserve ratio.

Actual multiplier is lower due to currency leakages {some people may hold currency and not deposit it in a bank} and excess bank reserves {some banks are not able to loan out excess funds}.

Excess reserve: actual reserve – minimum required reserve

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