1, The banks generally maintain large excess reserves with consequent loss of potential profits.

2, The proportion that financial institutions' excess reserve accounts for its total deposits is excess reserve ratio which is non-compulsory.

3, The counterpart to their assets is banks' excess reserve holdings with central banks.

4, Less than $40 billion a year ago, the excess reserve deposits held by the Fed have ballooned to $860 billion.

5, Different financial institutions may have different excess reserve ratios and in 2007 this ratio is 7.8% on average.

6, Financial institutions have the right to determine their own excess reserve ratios and whether to use this part of deposit.

7, Excess reserve ratio reflects the conditions of the liquidity of financial institutions,[http:///excess reserve.html] and excess reserve is the base of credit delivery.

8, The central bank must pay the interest to the excess reserve and the current excess reserves' annual interest rate is 0.99%.

9, We analyze money supply, monetary base, money multiplier, reserve requirement ratio, excess reserve ratio, currency ratio, and demand deposit ratio.

10, The answer is it's confined in temporary cash pools, whether in the Supplementary Financing Account or excess reserve deposits or in time-sensitive T-bills.