Key information about US Reserve Requirement Ratio

• Reserve Requirement Ratio: Local Currency Demand Deposits: United States was set as 0.0 % in Feb 2025
• US Reserve Requirement Ratio data updated monthly, available from Nov 1980 to Feb 2025
• The data is reported by CEIC Data
• In the latest reports, US Money Supply M2 increased to 21,561.4 USD bn YoY in Jan 2025
• Foreign Exchange Reserves in US was measured at 34.9 USD bn in Dec 2024.
• The Foreign Exchange Reserves equaled 0.1 Months of Import in Dec 2024
• US Domestic Credit reached 30,648.3 USD bn in Mar 2024, representing an drop of 0.3 % YoY
• The country's Non Performing Loans Ratio stood at 1.7 % in Dec 2024, compared with the ratio of 1.5 % in the previous quarter
• Household Debt of US reached 61.7 % in Dec 2024, accounting for 61.7 % of the country's Nominal GDP

This dataset provides values for CASH RESERVE RATIO reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Graph and download economic data for Reserves of Depository Institutions: Total (TOTRESNS) from Jan 1959 to May 2025 about adjusted, reserves, and USA.

United States US: Broad Money: to Total Reserves Ratio data was reported at 41.421 % in 2016. This records a decrease from the previous number of 42.231 % for 2015. United States US: Broad Money: to Total Reserves Ratio data is updated yearly, averaging 29.176 % from Dec 1960 (Median) to 2016, with 57 observations. The data reached an all-time high of 58.277 % in 2001 and a record low of 11.586 % in 1980. United States US: Broad Money: to Total Reserves Ratio data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Money Supply. Broad money (IFS line 35L..ZK) is the sum of currency outside banks; demand deposits other than those of the central government; the time, savings, and foreign currency deposits of resident sectors other than the central government; bank and traveler’s checks; and other securities such as certificates of deposit and commercial paper.; ; International Monetary Fund, International Financial Statistics and data files.; ;

Graph and download economic data for Ratio of Lawful Money to Individual Deposits, National Banks, Reserve Cities Other Than Central for United States (M14054USM156NNBR) from Oct 1882 to Dec 1915 about legal, individual, ratio, reserves, deposits, banks, depository institutions, and USA.

Broad money to total reserves ratio in United States was reported at 35.53 in 2023, according to the World Bank collection of development indicators, compiled from officially recognized sources. United States - Broad money to total reserves ratio - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

The U.S. federal funds rate peaked in 2023 at its highest level since the 2007-08 financial crisis, reaching 5.33 percent by December 2023. A significant shift in monetary policy occurred in the second half of 2024, with the Federal Reserve implementing regular rate cuts. By December 2024, the rate had declined to 4.48 percent. What is a central bank rate? The federal funds rate determines the cost of overnight borrowing between banks, allowing them to maintain necessary cash reserves and ensure financial system liquidity. When this rate rises, banks become more inclined to hold rather than lend money, reducing the money supply. While this decreased lending slows economic activity, it helps control inflation by limiting the circulation of money in the economy. Historic perspective The federal funds rate historically follows cyclical patterns, falling during recessions and gradually rising during economic recoveries. Some central banks, notably the European Central Bank, went beyond traditional monetary policy by implementing both aggressive asset purchases and negative interest rates.

Graph and download economic data for Cash Assets, All Commercial Banks (CASACBQ158SBOG) from Q2 1973 to Q1 2025 about cash, assets, banks, depository institutions, rate, and USA.

The Federal Reserve's balance sheet has undergone significant changes since 2007, reflecting its response to major economic crises. From a modest *** trillion U.S. dollars at the end of 2007, it ballooned to approximately **** trillion U.S. dollars by June 2025. This dramatic expansion, particularly during the 2008 financial crisis and the COVID-19 pandemic - both of which resulted in negative annual GDP growth in the U.S. - showcases the Fed's crucial role in stabilizing the economy through expansionary monetary policies. Impact on inflation and interest rates The Fed's expansionary measures, while aimed at stimulating economic growth, have had notable effects on inflation and interest rates. Following the quantitative easing in 2020, inflation in the United States reached ***** percent in 2022, the highest since 1991. However, by *************, inflation had declined to *** percent. Concurrently, the Federal Reserve implemented a series of interest rate hikes, with the rate peaking at **** percent in ***********, before the first rate cut since ************** occurred in **************. Financial implications for the Federal Reserve The expansion of the Fed's balance sheet and subsequent interest rate hikes have had significant financial implications. In 2023, the Fed reported a negative net income of ***** billion U.S. dollars, a stark contrast to the ***** billion U.S. dollars profit in 2022. This unprecedented shift was primarily due to rapidly rising interest rates, which caused the Fed's interest expenses to soar to over *** billion U.S. dollars in 2023. Despite this, the Fed's net interest income on securities acquired through open market operations reached a record high of ****** billion U.S. dollars in the same year.

United States US: Bank Liquid Reserves: to Bank Assets Ratio data was reported at 12.235 % in 2016. This records a decrease from the previous number of 13.950 % for 2015. United States US: Bank Liquid Reserves: to Bank Assets Ratio data is updated yearly, averaging 6.545 % from Dec 2001 (Median) to 2016, with 16 observations. The data reached an all-time high of 16.649 % in 2014 and a record low of 0.618 % in 2007. United States US: Bank Liquid Reserves: to Bank Assets Ratio data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Money Supply. Ratio of bank liquid reserves to bank assets is the ratio of domestic currency holdings and deposits with the monetary authorities to claims on other governments, nonfinancial public enterprises, the private sector, and other banking institutions.; ; International Monetary Fund, International Financial Statistics and data files.; Median;

The U.S. federal funds effective rate underwent a dramatic reduction in early 2020 in response to the COVID-19 pandemic. The rate plummeted from 1.58 percent in February 2020 to 0.65 percent in March, and further decreased to 0.05 percent in April. This sharp reduction, accompanied by the Federal Reserve's quantitative easing program, was implemented to stabilize the economy during the global health crisis. After maintaining historically low rates for nearly two years, the Federal Reserve began a series of rate hikes in early 2022, with the rate moving from 0.33 percent in April 2022 to 5.33 percent in August 2023. The rate remained unchanged for over a year, before the Federal Reserve initiated its first rate cut in nearly three years in September 2024, bringing the rate to 5.13 percent. By December 2024, the rate was cut to 4.48 percent, signaling a shift in monetary policy in the second half of 2024. In January 2025, the Federal Reserve implemented another cut, setting the rate at 4.33 percent, which remained unchanged throughout the following months. What is the federal funds effective rate? The U.S. federal funds effective rate determines the interest rate paid by depository institutions, such as banks and credit unions, that lend reserve balances to other depository institutions overnight. Changing the effective rate in times of crisis is a common way to stimulate the economy, as it has a significant impact on the whole economy, such as economic growth, employment, and inflation. Central bank policy rates The adjustment of interest rates in response to the COVID-19 pandemic was a coordinated global effort. In early 2020, central banks worldwide implemented aggressive monetary easing policies to combat the economic crisis. The U.S. Federal Reserve's dramatic reduction of its federal funds rate - from 1.58 percent in February 2020 to 0.05 percent by April - mirrored similar actions taken by central banks globally. While these low rates remained in place throughout 2021, mounting inflationary pressures led to a synchronized tightening cycle beginning in 2022, with central banks pushing rates to multi-year highs. By mid-2024, as inflation moderated across major economies, central banks began implementing their first rate cuts in several years, with the U.S. Federal Reserve, Bank of England, and European Central Bank all easing monetary policy.

Graph and download economic data for Foreign Banking Offices in the U.S.; Vault Cash and Reserves at the Federal Reserve; Asset, Transactions (DISCONTINUED)" (BOGZ1FA753020005A) from 1946 to 2023 about foreign offices, cash, foreign, transactions, assets, banks, depository institutions, and USA.

The market size of currency circulating in the United States economy made up nearly ten percent of the country's GDP. This so-called CIC/GDP ratio is meant to roughly measure the use of cash money in the country. Due to the anonymity of cash transactions, sources struggle to find exact volumes on this. The ratio mentioned here is quite popular in that regard, as the data it needs is relatively easy to find. Some industry experts mention, however, that this ratio is too general and does not necessarily reflect retail payments. In the case of the United States, another issue may come into play: During the coronavirus pandemic, the Federal Reserve pumped significant amounts of cash money into the American economy. This may potentially reflected in the growing ratio observed here.

The inflation rate in the United States declined significantly between June 2022 and May 2025, despite rising inflationary pressures towards the end of 2024. The peak inflation rate was recorded in June 2022, at *** percent. In August 2023, the Federal Reserve's interest rate hit its highest level during the observed period, at **** percent, and remained unchanged until September 2024, when the Federal Reserve implemented its first rate cut since September 2021. By January 2025, the rate dropped to **** percent, signalling a shift in monetary policy. What is the Federal Reserve interest rate? The Federal Reserve interest rate, or the federal funds rate, is the rate at which banks and credit unions lend to and borrow from each other. It is one of the Federal Reserve's key tools for maintaining strong employment rates, stable prices, and reasonable interest rates. The rate is determined by the Federal Reserve and adjusted eight times a year, though it can be changed through emergency meetings during times of crisis. The Fed doesn't directly control the interest rate but sets a target rate. It then uses open market operations to influence rates toward this target. Ways of measuring inflation Inflation is typically measured using several methods, with the most common being the Consumer Price Index (CPI). The CPI tracks the price of a fixed basket of goods and services over time, providing a measure of the price changes consumers face. At the end of 2023, the CPI in the United States was ****** percent, up from ****** a year earlier. A more business-focused measure is the producer price index (PPI), which represents the costs of firms.

India Bank of America: Financial Ratio: Cash-Deposit data was reported at 5.870 % in 2018. This records a decrease from the previous number of 6.060 % for 2017. India Bank of America: Financial Ratio: Cash-Deposit data is updated yearly, averaging 7.990 % from Mar 1999 (Median) to 2018, with 20 observations. The data reached an all-time high of 14.910 % in 2010 and a record low of 5.750 % in 2013. India Bank of America: Financial Ratio: Cash-Deposit data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Banking Sector – Table IN.KBR008: Foreign Banks: Selected Financial Ratios: Bank of America.

The benchmark interest rate in the United States was last recorded at 4.50 percent. This dataset provides the latest reported value for - United States Fed Funds Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Credit card charge-off rates reached their highest level in over 14 years by Q2 2024, as borrowers struggled to keep up with debts. This is according to figures gathered by the Federal Reserve from U.S. chartered commercial banks. Credit card became an increasingly more common way to pay after the coronavirus pandemic, as is shown in the distribution of different types of loans in the United States. U.S. consumers had built up their cash reserves, making them eligible to get a credit card. The high charge-off rates were joined by the highest U.S. credit card delinquency rates since the Financial Crisis of 2008.

Graph and download economic data for Deposits, All Commercial Banks (DPSACBW027SBOG) from 1973-01-03 to 2025-06-18 about deposits, banks, depository institutions, and USA.

Key information about United States Foreign Exchange Reserves

• United States Foreign Exchange Reserves was measured at 35.2 USD bn in Jan 2025, compared with 34.9 USD bn in the previous month
• US Foreign Exchange Reserves: USD mn data is updated monthly, available from Mar 1961 to Jan 2025
• The data reached an all-time high of 54.9 USD bn in Aug 2011 and a record low of 2.0 USD mn in Jul 1975

• In the latest reports, US Foreign Exchange Reserves equaled 0.1 Months of Import in Jan 2025.
• Its Money Supply M2 increased 21,561.4 USD bn YoY in Jan 2025.
• US Domestic Credit reached 30,648.3 USD bn in Mar 2024, representing an drop of 0.3 % YoY.
• The country's Non Performing Loans Ratio stood at 1.7 % in Dec 2024, compared with the ratio of 1.5 % in the previous quarter.
• Household Debt of US reached 61.7 % in Dec 2024, accounting for 61.7 % of the country's Nominal GDP.

Daily Federal Funds Rate from 1928-1954 (https://fred.stlouisfed.org/categories/33951).

The federal funds rate is the interest rate at which depository institutions trade federal funds (balances held at Federal Reserve Banks) with each other overnight. When a depository institution has surplus balances in its reserve account, it lends to other banks in need of larger balances. In simpler terms, a bank with excess cash, which is often referred to as liquidity, will lend to another bank that needs to quickly raise liquidity. (1) The rate that the borrowing institution pays to the lending institution is determined between the two banks; the weighted average rate for all of these types of negotiations is called the effective federal funds rate.(2) The effective federal funds rate is essentially determined by the market but is influenced by the Federal Reserve through open market operations to reach the federal funds rate target.(2) The Federal Open Market Committee (FOMC) meets eight times a year to determine the federal funds target rate. As previously stated, this rate influences the effective federal funds rate through open market operations or by buying and selling of government bonds (government debt).(2) More specifically, the Federal Reserve decreases liquidity by selling government bonds, thereby raising the federal funds rate because banks have less liquidity to trade with other banks. Similarly, the Federal Reserve can increase liquidity by buying government bonds, decreasing the federal funds rate because banks have excess liquidity for trade. Whether the Federal Reserve wants to buy or sell bonds depends on the state of the economy. If the FOMC believes the economy is growing too fast and inflation pressures are inconsistent with the dual mandate of the Federal Reserve, the Committee may set a higher federal funds rate target to temper economic activity. In the opposing scenario, the FOMC may set a lower federal funds rate target to spur greater economic activity. Therefore, the FOMC must observe the current state of the economy to determine the best course of monetary policy that will maximize economic growth while adhering to the dual mandate set forth by Congress. In making its monetary policy decisions, the FOMC considers a wealth of economic data, such as: trends in prices and wages, employment, consumer spending and income, business investments, and foreign exchange markets. The federal funds rate is the central interest rate in the U.S. financial market. It influences other interest rates such as the prime rate, which is the rate banks charge their customers with higher credit ratings. Additionally, the federal funds rate indirectly influences longer- term interest rates such as mortgages, loans, and savings, all of which are very important to consumer wealth and confidence.(2) References (1) Federal Reserve Bank of New York. "Federal funds." Fedpoints, August 2007. (2) Board of Governors of the Federal Reserve System. "Monetary Policy (https://www.federalreserve.gov/monetarypolicy.htm)".

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