However, a change in a reserve-level rate usually causes banks to change their strategic plans. In addition, a reserve-level rate increase is costly to banks. Consequently, changes in reserve-level rates are uncommon.

Both sea level drop and tectonic uplift

uplift

Uplift refers to the process of uplifting or raising something to a higher position or level. In the context of geology, uplift can also refer to the upward movement of the Earth's crust due to tectonic forces.

By the lowering of the required reserve-level rate, banks can increase the proportion of funds they are able to lend to customers.