"minimum reserves..." In Eurozone, 1% of already issued credit. https://www.ecb.europa.eu/explainers/tell-me/html/minimum_reserve_req.en.html https://www.ecb.e

"minimum reserves..." In Eurozone, 1% of already issued credit. https://www.ecb.europa.eu/explainers/tell-me/html/minimum_reserve_req.en.html https://www.ecb.europa.eu/explainers/tell-me/html/minimum_re... "or capital requirements" Basel Accords are a very complex system of ratios between bank capital (as a guarantee against bankruptcy) and bank credit (at risk of depreciation). The resulting ratio from these accords currently evolves between 0 and 9.5%. One important detail : Basel III is a "voluntary regulatory framework". A lovely oxymoron that means "you have to comply with this, if you want to." https://en.wikipedia.org/wiki/Basel_III https://en.wikipedia.org/wiki/Basel_III