What innovations digital banks may bring in the banking industry of Bagladesh?

Explain how banks create money through multiple deposit creation model. Assume that reserve requirement is 10% and initial deposit is Tk. 100.

From the following data of Bangladesh calculate "Monetization Ratio" and "New Issue Ratio" for FY 2023 and interpret them :

Year	GNP at current market prices	Money supply $\left(M_2\right)$	Assets of all Fls
FY 2022	41,291	17,081	21,349
FY 2023	46,185	18,872	24,140