The manager of the bank where you work tells you that your bank has $6 million in excess reserves. she also tells you that the bank has $400 million in deposits and $362 million dollars in loans

That's not a question. but add 400 dep. and 6 res. thats 406 million. Minus 362 million that is a positive amount of 44 million total res. + dep. But banks don't work like that. Most banks have at LEAST 100x more money loaned out than what is in reserves or deposits combined

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