Granular residual is created in the banking network when there are a few large banks with many small banks. In this case. the effect of the shocks on each bank not lost in total that can lead to macro-economic consequences. The transmission of monetary policy through change in bank facilities is one of the key mechanisms affecting monetary policies. https://www.bekindtopets.com/hot-savings-Hastu-Goyal-In-Kundan-Semi-Precious-Choker-save-big/