Banks do not lend deposits in fiat currency regimes such as the ones most western countries have. Banks create deposits out of thin air to 'fund' loans. The ha

Banks do not lend deposits in fiat currency regimes such as the ones most western countries have. Banks create deposits out of thin air to 'fund' loans. The have capital and reserve requirements to meet, of coarse, but they do not lend out deposits or depend on deposits for lending.