Више од 186 америчких банака у доброј позицији за колапс, открива анализа СВБ

The perfect mix of losses, uninsured leverage and a greater loan portfolio, among other factors, resulted in the fall of Silicon Valley Bank (SVB). Comparing SVB’s situation with other players revealed that nearly 190 banks operating in the United States are at potential risk of a run.

While SVB’s collapse came as a reminder of the fragility of the traditional financial system, a recent analysis by economists showed that a large number of banks are just uninsured deposit withdrawals away from a devastating collapse. It read:

„Чак и ако само половина неосигураних депонената одлучи да се повуче, скоро 190 банака је у потенцијалном ризику од обезвређења осигураних штедиша, са потенцијално 300 милијарди долара осигураних депозита у ризику.

Monetary policies penned down by central banks can have a negative impact on long-term assets such as government bonds and mortgages, which can, in turn, create losses for banks. The report explains that a bank is considered insolvent if the mark-to-market value of its assets — after paying all uninsured depositors — is insufficient to repay all insured deposits.

*Највеће несолвентне институције ако трче сви неосигурани депоненти. Извор: паперс.ссрн.цом*

The data in above graph represents the assets based on bank call reports as of Q1, 2022. Banks in the top right corner, alongside SVB (with assets of $218 billion), have the most severe asset losses and the largest runnable uninsured deposits to mark-to-market assets.

The recent rise in interest rates, which brought down the U.S. banking system’s market value of assets by $2 trillion, combined with a large share of uninsured deposits at some U.S. banks, threatens their stability.

“Recent declines in bank asset values significantly increased the fragility of the US banking system to uninsured depositors runs,” the study concluded.

Релатед: Breaking: SVB Financial Group files for Chapter 11 bankruptcy

As the federal government steps in to protect the depositors of SVB and Signature Bank, President Joe Biden assured no impact on taxpaying citizens.

Захваљујући акцијама које смо предузели у протеклих неколико дана да заштитимо штедише из Силицијумске долине и Сигнатуре Банкс, Американци могу имати поверења да је наш систем безбедан.
Депозити људи ће бити ту када им затребају – без икаквих трошкова за пореске обвезнике.
- председник Бајден (@ПОТУС) Март КСНУМКС, КСНУМКС

However, many pointed out to Biden on Twitter Који “everything you do or touch costs the taxpayer!”