Više od 186 američkih banaka u dobroj poziciji za kolaps, otkriva analiza SVB-a

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:

“Čak i ako samo polovina neosiguranih štediša odluči da se povuče, gotovo 190 banaka je u potencijalnom riziku od umanjenja vrijednosti osiguranih štediša, s potencijalno 300 milijardi dolara osiguranih depozita u riziku.”

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.

*Largest insolvent institutions if all uninsured depositors run. Source: papers.ssrn.com*

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.

Povezano: Breaking: SVB Financial Group podnela zahtev za stečaj po poglavlju 11

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

Zahvaljujući akcijama koje smo poduzeli u proteklih nekoliko dana da zaštitimo štediše iz Silicijumske doline i Signature Banks, Amerikanci mogu imati povjerenja da je naš sistem siguran.
Depoziti ljudi će biti tu kada im zatrebaju – bez ikakvih troškova za poreske obveznike.
- predsjednik Biden (@POTUS) Mart 13, 2023

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