Wall Street Braces for the Next Silicon Valley Bank

 Shares of regional banks tumble amid concern that SVB’s collapse is only the beginning.

Adding to the stress, a major cryptocurrency declined sharply over the weekend following the disclosure that its operator, Circle Internet Financial Ltd., had $3.3 billion tied up in Silicon Valley Bank.

USD Coin fell below 87 cents on Saturday morning, according to data from CoinDesk. The virtual currency, known as a stablecoin, is designed to trade at $1.

Its decline echoes a crucial point in the 2008 financial crisis when a money-market fund widely treated as cash-equivalent “broke the buck” in the wake of the failure of Lehman Brothers.

As of the end of last year, Silicon Valley Bank had an estimated $151 billion in uninsured deposits, according to the annual report of SVB Financial Group, its parent company.

First Republic Bank, another major regional bank, had roughly $120 billion, and Signature Bank had around $80 billion of uninsured deposits.

WSJ 12 March 2023

https://www.wsj.com/articles/wall-street-braces-for-the-next-silicon-valley-bank-956b8f03



If SVB was doomed, it is better to let it fail than have the government bail it out, despite what one hedge-fund lord suggested this week. 

Didn’t we learn from the 2008 crisis that the feds’ rescue of Bear Stearns encouraged everyone to believe that Lehman Brothers would be rescued too?

There doesn’t appear to be any obvious systemic risk to the financial system from the SVB and Silvergate failures, and market discipline needs to prevail unless there is danger of a larger financial breakdown. 

SVB investors and customers benefited from the government’s easy money. Why should they also benefit from a government lifeline after taking risks with that easy money?

There’s nothing like a bank panic to make for a relaxing weekend.

WSJ Editorial 10 March 2023




Inte troligt att kollapsen i Silicon Valley Bank är början på en ny finanskris

Agnetha Jönsson DI 10 mars 2023





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