1. A higher reserve ratio provides more protection in the event of a downturn. 2. Banks create money based on the legislated ( or customary ) reserve ratio . 3. Many nations are in the process of eliminating reserve ratios . 4. He did not say what the current reserve ratios are. 5. Commercial banks have to maintain a minimum cash balance known as the cash reserve ratio . 6. In 1991 commercial banks pressured the government to reduce their 35 percent minimum reserve ratio . 7. The bank last lowered reserve ratios in November, by 0.25 percentage point to 0.50 percentage point. 8. The central bank said it has not yet made any decision on the reserve ratio cut. 9. The government also said it would lower bank reserve ratios and interest rates at appropriate times. 10. Measures could include cuts in the bank reserve ratio or more interest rate cuts, they said. 
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