銀行準備金 - 經濟

題目:

Suppose that the T-account for First National Bank is as follows:


Assets Liabilities

--------------------------
reserves 100000 ' Deposits 500000
'
Loans 400000 '
'
'
'


Q:If the Fed requires banks to hold 5 percent of deposits as reserves,

how much in excess reserves does First National Bank now hold ?



我的想法:

他題目說的法定準備率要5%，

可是光是那個T字帳..就20%了 @@

算出來 500,000 * 5% = 25,000

我不知道要怎麼辦@@..

題目跟T字帳好像有牴觸...?

謝謝大家..

--