/biz/ - Business & Finance

>>54780140
The Commercial Real Estate market is next.

Where does the money disappear?

>>54780148
These banks need to wait 10 to 30 years to get all of their money back. They bought long dated bonds that yield 1% back in 2020 thinking this was a good idea. If they sell those bonds now, they take a 40% haircut, and they did not buy any interest rate swaps so they can exit the trade.

You can get 5% on 6-month bills now.

>>54780140
It's the same banks as before. Nothingburger.

The panic will happen once a big name like Citi, Wells Fargo, BaO, Chase start getting news. Since 2020 Citi has been struggling I bet they’re more than obviously insolvent but one can only pretend for so long

>>54780191
>panic
credit suisse went down and there was hardly a panic.

>>54780191
I think Evergrande bond defaults is what really took down Credit Suisse since they were left holding the bag.

The US regional banks have losses because of Fed interest rate hikes and bad Commercial Real Estate loans due to the "work-from-home" meme that is keeping Jamie Dimon awake at night.

>>54780200
The reason why there are no panics is due to how fortified banks balance sheets are. They are taking no risks and are as cautious as we are. Big banks know what's up, they already know we're in a recession.

Only the stupid banks that take big risks fail.

does this mean my cash will be worth more or less when all these banks die

>>54780200
Because everyone knew the government would bail the banks out again.

>>54780140
Was first republic crypto related like the other 2 or did they let it through the (((cracks))) by accident

>>54780148
Israel

Is this a good time to buy a regional bank ETF?

>>54780259
Yeah an inverse ETF

>>54780140

>The secret is that SVB and First Republic Bank are under because they tied with depositor's funds in Federal Bonds. The super secret is that most banks in the US did this as well. Time will tell who will survive on the run starts

>>54780140
Nothing will happen. Finance is invincible since it's all voodoo and works as long as you have enough drugged useless cattle.

>>54780140
Adjusted for real inflation they were actually 3 of the smallest bank failures of all time

SOLUTION:

>so what? the fed will give them money for "rescue"

THE PROBLEM:

>That move increases inflation, driving down the return rate on Federal Bonds. That will only collapse more banks who have tied up depositor's funds in said Federal Bonds.

>>54780160
But who gains when the money is lost?

>>54780275
the fugazi is independent fromreality, that is correct. however, reality gets worse and worse, regardless of the fugazi.

>>54780160
Youre right anon, but thats not what a haircut is.
A haircut is when goldman sachs decide your collateral is actually worth 5% less to them, letting you loan 95k against your 100k of bonds.

why was lehmann such a big deal?

>>54780148
this comment is anti semitic and reported for hate speech

>>54780140
Now adjust it for inflation

>>54780140
Brace yourself for the bankdemic of the century. And make a welcome cake with “GO CBDCs GO” iced on top.

>>54780507
The money itself was long gone when the bank purchased different collateral and securities. The loss is the mark down in price as when the bank goes to sell these items they are not worth the moneys they paid.

>>54780140
Something fucky is going on.

How do I buy bank failure futures? I want physical delivery.

>>54780140
>economy grew from 2008 to 2023
>mid sized banks are now Lehman brothers tier and big boys like JP Morgan are monstrous
OMG!!!! Big number bank fail make me sad and angry

>>54780140
Nah, it's not the end, rather it's more likely the beginning of a huge bullrun. I like how these retards use big numbers rather than a weight/percentage because it wouldn't align with their bearish cope.
4 banks also failed in 2006, check what happened with the market before we crashed in 2008 with over 200 bank failures. Bears are in for a rude awakening, I'd cut my shorts ASAP

>>54780140
>3 of the 4 largest bank failures of all time have happened in the past two months.
so what
fed will always bail them in

>>54780259
take the sofi pill. i got like 70 LEAP call options on this bitch. they're in a high growth stage. it used to be a student loan fintec but now they switch over to personal loans to offset the losses from student debt forgiveness.
ER is this monday.
acquired a mortgage company recently
they partnered with other banks up to insure depositors for 2million instead 250k from FDIC
4.20% APY on savings
consistently beats estimates
expected to be profitable Q4 of this year at the earliest

>>54780140
The Fed and the Treasury have said that they’re going to back stop all deposits at all banks. They’re steering us into hyperinflation.

>>54780140
In real terms?
No.

>>54780160
> These banks need to wait 10 to 30 years to get all of their money back.
Nope not in real terms. It's gone. Lost.

There's a long road ahead
Hyperinflation 2 years

>>54780160
I don't understand how that's possible. It's like they have the low IQ mindset of a shitcoin gambler?

is it all just an exit rugpull
are they really just running to israel because they know what's coming

>>54780140
all according to keikaku

>>54782111
checked but no. When the govt audits they wanted to see good collateral on the books. That was USY and MBS. So if you had those two you got a pass ride on your bank inspection.

>>54780148
Time to tone down the antisemitism bro.

>>54780140
>>54780146

>>54780148
Debts being written off is the main way. That and assets being devalued, but it's two sides of the same coin.

>>54780148
got vapourised in speculative gambling.

>>54780140
It's mostly the small banks falling and getting bought by big money banks like JPM

>>54781433
>>54782282
>>54782445
>>54780903
>>54781496
>>54782445

>>54780148
nowhere, goy

>>54780140
for me it's this "do not panic bro" mindset that these hundred billion dollar disasters are presented to us
>"oh don't worry bro, it's just $200 billion gone, no biggie"
>"they will just be bailed out, do not overthink it"
>"these things happen, we will just print some extra cash, it's nothing"

it's like we have completely lost all understanding of scale and value
in a healthy society, even the loss of $1 billion should be concerning; that's $100k for 10000 households
but when there is advanced social decay and corruption, losing hundreds of billions on a semi-regular basis is something normal, something to be expected, hence this casual attitude to it
this is the telltale of an empire's collapse

>>54780140
Do you still call it a failure when they get bailed out?

>>54780507
You arent getting any real answers so I'll answer: They bought from the federal govt. The Federal govt. picked these banks pockets (in the form of inflation, which devalues long dated bonds), and is now bailing them out.

Its hilarious that the 'risky investments' were US govt. bonds, and infuriating that theres a never ending string of bailouts.

>>54780507
No one. Money is debt; when you default on your debt, the money vanishes. Inside money-- debt money--is just a promise to pay.

>>54782734
All the investors got wiped out yeah I'd say it's not exactly running smoothly

>>54780148
The money doesn't exist. It was put into assets which are now devalued. We're all playing with a money supply that is dwarfed by asset value because it's assumed that dollar velocity is slow enough on any given day that we'll always have enough currency to cover transactions. On the day that we don't, things drops in value to reflect the supply of cash that is available to change hands.

>>54780207
People ask why a certain general has been up for over 2 years when the answer is staring them in the face. Evergrande fucked off that summer.

>>54780222
Depends on how much gets printed to try to save them.

>>54780140
Cross River Bank is next, and it's Beautiful.

>>54782652
The money never existed, companies/elites just acquired property and labor off the fantasy that it did.

>>54780903
lehman wasn't a traditional bank, they were an investment bank and were much larger when they failed, OP's image is just being disingenuous to stir up doomers

>>54780140
Let me guess, two more weeks

>>54780140
This is EXTREMELY misleading. Inflation was 13% last year so money is constantly being worth less. It is no fair to do monetary comparisons of current events to past ones without doing inflation adjustments. This is also why BIGGEST BOX OFFICE EVER announcements are moronic.

People need to learn basics of the monetary system and inflation. These bank failures are no big deal when you adjust for inflation to see the real impact.

>>54783420
It literally says in the OP it's adjusted for inflation you retard. These are the first dominos causing people to lose trust.

>>54780140
I WENT 'N PRESSED THE UPDATE BUTTON
IT SAID-A NOOOOO NEEEEEW POSTS

It amazes how fucking stupid some of you people are. Some of you sound like 8th graders

>>54780148
oy vey, cool it wit the antisemitism goy

>>54783468
where does it say it's inflation adjusted?

>>54780148
Reported to the ADL for antisemitism

>>54780148
It never existed.

The US empire will not recover from this.

>>54780146
nah.
they'll get the local governments to rezone the property, and remodel the property to apartments.

>>54781258
nigga it just dissapeared???? u expect me to believe that???

>>54786258
That happens after there are firesales so the right people can get cheap real estate.

>>54783387
This, obviously

>>54783332
GME?

All the 1pbtid posters in here saying "it's no big deal" really leads me to thinking they're bots and it is, in fact, a big deal.