That's a misreading of the text. That pdf gets trotted out again and again.

But let's assume you understood the BoE right. My questions still stand:

> Do tell me, please: why do banks care about getting deposits? And why did Silicon Valley Bank get into trouble, when depositors left?

(And before you answer something about regulation: the regulators had willingly blessed SVB's damaged balance sheet for quite a while, and they only collapsed when depositors decided to leave.)

You might want to read the section of the pdf you linked that includes:

> So if a given bank financed all of its new loans in this way, it would soon run out of reserves.