one which is required by law. A life insurance company, for example, may be required to retain a certain percentage of its funds as a legal reserve to meet its future policy claim obligations. A bank is required to hold a certain proportion of its deposits as a legal reserve, rather than use it to make loans, in certain countries,a reserve whose constitution and sometimes use are regulated by law, reservkapital - kapital, mis moodustatakse igaaastastest puhaskasumi eraldistest, samuti muudest eraldistest, mis kantakse reservkapitali seaduse või põhikirja alusel