Under the fractional reserve banking system them out of money loaned out can only increase if what happens?

Under the fractional reserve banking system, the amount of money loaned out can only increase if banks receive more deposits or if the central bank lowers reserve requirements, allowing banks to lend a larger portion of their deposits. Additionally, an increase in demand for loans can also lead to more money being created through lending. If these conditions are met, banks can create more money through the lending process, effectively expanding the money supply.