{"id":3363,"date":"2026-06-30T17:39:46","date_gmt":"2026-06-30T17:39:46","guid":{"rendered":"https:\/\/reliablemovingcrews.com\/?p=3363"},"modified":"2026-06-30T17:39:46","modified_gmt":"2026-06-30T17:39:46","slug":"ecb-considers-lifting-banks-minimum-reserves-to-lessen-own-losses-sources-say","status":"publish","type":"post","link":"https:\/\/reliablemovingcrews.com\/?p=3363","title":{"rendered":"ECB considers lifting banks&#8217; minimum reserves to lessen own losses, sources say"},"content":{"rendered":"<div>\n<div>\n<div>\n<ul>\n<li>Summary<\/li>\n<\/ul>\n<\/div>\n<div><\/div>\n<\/div>\n<div>SINTRA, Portugal, June 30 (Reuters) &#8211; The ECB is considering doubling the proportion \u200bof cash lenders must keep as reserve in an unremunerated account, six sources told Reuters, which \u200cwould cut the central bank&#8217;s own interest bill and mitigate the side effects of its inflation fight.<\/div>\n<div>The potential increase, which is being debated by European Central Bank policymakers, would raise minimum reserve requirements to 2% from 1% of banks&#8217; customer deposits and some other forms \u200bof funding, the sources said.<\/div>\n<div>It would help central banks in cash-rich countries such as Germany cut losses stemming \u200bfrom the interest they pay on banks&#8217; deposits that exceed mandatory reserves, which grew into \u2060the trillions of euros through the bond-buying stimulus programmes of the last decade.<\/div>\n<div>It would also mop up some of \u200bthat excess liquidity, advancing ECB efforts to wean banks off free cash<svg><\/svg><span>, opens new tab<\/span> that is set to be reassessed as part \u200bof a so-called framework review this year.<\/div>\n<div>A decision over the potential move, which has not been formally discussed by the ECB&#8217;s Governing Council, is expected by the autumn. The sources said that the discussion within the ECB was at an early stage.<\/div>\n<div>An ECB spokesperson \u200bdeclined to comment.<\/div>\n<h2>INTEREST BILL HAS RISEN TO NEARLY \u20ac50 BILLION<\/h2>\n<div>The ECB and the 21 national central banks of the euro \u200barea are paying a 2.25% interest rate on some \u20ac2.16 trillion worth of excess liquidity, resulting in outlays of around \u20ac48.7 billion per year, \u200cReuters \u2060calculations show.<\/div>\n<div>Doubling mandatory reserves, which are not remunerated, from \u20ac173.56 billion would reduce the central banks&#8217; combined annual interest bill by nearly \u20ac4 billion.<\/div>\n<div>That cost has risen by an annualised \u20ac5.4 billion after the ECB increased the deposit rate from 2% to 2.25% this month in a bid to contain the inflation fallout from the Iran war.<\/div>\n<div>The minimum reserve requirement rate was cut \u200bto 1% from 2% at \u200bthe height of the \u2060euro zone&#8217;s debt crisis in 2012.<\/div>\n<h2>CENTRAL BANK LOSSES POLITICALLY SENSITIVE<\/h2>\n<div>While the ECB and the rest of the Eurosystem are not run for profit but to control inflation, the huge \u200blosses some have suffered in recent years have become sensitive politically.<\/div>\n<div>Loss-making central banks are \u200bconstrained in their \u2060ability to pay dividends into state coffers and might, in extreme cases, be forced to ask their government for capital.<\/div>\n<div>To avoid this, the Bundesbank and others have staggered losses over several years. The biggest were in 2023, when there were \u2060still several \u200btrillion euros worth of excess liquidity in the system and the \u200bECB&#8217;s deposit rate was as high as 4%.<\/div>\n<div>The ECB&#8217;s Governing Council discussed increasing minimum reserves then, but the proposal did not gain traction.<\/div>\n<div>The banking sector \u200bhas since made record profits and shown it can operate well at lower levels of excess liquidity.<\/div>\n<\/div>\n<p>Read more <a href=\"https:\/\/reliablemovingcrews.com\/?p=3361\">Economic pessimism among Russians at highest in at least 20 years, Gallup poll shows<\/a><\/p>\n<p>Read more <a href=\"https:\/\/reliablemovingcrews.com\/?p=3359\">Germany demands $450 billion cut to \u2018unaffordable\u2019 EU budget, document shows<\/a><\/p>\n<p>Read more <a href=\"https:\/\/reliablemovingcrews.com\/?p=3357\">Mapping the Market: Magnificent Seven face key test after June slide<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The ECB is considering doubling the proportion \u200bof cash lenders must keep as reserve in an unremunerated account, six sources told Reuters, which \u200cwould cut the central bank&#8217;s own interest bill and mitigate the side effects of its inflation fight.<\/p>\n","protected":false},"author":1,"featured_media":3362,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[78],"class_list":["post-3363","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-regulatory-oversight"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ECB considers lifting banks&#039; 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