But they are categorically NOT hoarding it!
Yes, the banks have been told to increase their capital reserves to reflect the risk they are carrying - so that they are not putting themselves at risk of collapse (and so requiring a bailout again). This is required and prudent and should have been...
It is virtually impossible to HOARD money!
You spend it or you save it, but either way it fuels the economy, it creates jobs, it pays wages... not hoarded.
If you buy something, anything... you buy it FROM someone else, moving the money around and creating wealth for other people.
If you save...