How the banks can be still in Balance ???

Virtually, a bank can begin to make loans without a single Euro in deposits. For example, let us imagine, as a banker,  i create 5000 euros for you .... It becomes an ASSET for my bank .... but if you make this check a deposit in my bank .... i would need to pay you this amount !!!! THE ACCOUNT IS BALANCED FOR THE BANK .....

5000 euros can be created out of nothing , but without a shadow of bankruptcy or inflation !!!!

For the private banks, the Bad loans have often been purchased by the central banks. They have increased massively the monetary base to provide .... A FINANCIAL ( virtual) CAPITAL.

Currently, the private banks have a lot of financial  liquidity, available at a low rate .... but less consumers because more and more people and companies become insolvent. With the negative interest rates for their own  deposits at the Central Banks ...., the private banks lose money, so they prefer to play on the stocks or bonds markets to increase their benefits.

The prices of the tangible assets are increasing because more money is available .... but in the real economy, it s unemployment and deflation.

Deleting cash will save the Central Banks, Digital money will save the private banks .