I am very well aware of what is fractional reserve banking, it means that if you deposit $1000, the bank may loan out 90% of it, not 9 times as the poster claimed.
https://www.investopedia.com/terms/f/fractionalreservebanking.asp
Fractional Reserve Banking Process
The fractional reserve banking process creates money that is inserted into the economy. When you deposit that $2,000, your bank might lend 90% of it to other customers,