The remainder is invested in securities and loans, whose phrases are generally for a longer period as opposed to demand from customers deposits, resulting in an asset–liability mismatch. No bank has enough reserves on hand to manage with all deposits being taken out at the same time.[17][much better source https://financefeeds.com/6-best-cryptos-to-buy-today-that-could-deliver-massive-short-term-gains-with-one-presale-selling-out-fast/