Using reserve assets can help banks become more stable. Banks need to keep a certain amount of money in reserve to cover their liabilities. The Central Bank sets the standards for these reserves, with different rates for deposits in national and foreign currencies. By adjusting these reserve rates, the Central Bank can control the liquidity and solvency of banks. Banks can also use a method called averaging to meet reserve requirements. This means they don't have to transfer all their reserves at once. Overall, having enough reserves helps banks stay liquid and regulate the money supply.