{"id":5253,"date":"2023-04-11T09:54:48","date_gmt":"2023-04-11T09:54:48","guid":{"rendered":"https:\/\/kriptomat.cash\/how-banks-fail\/"},"modified":"2024-06-19T11:28:17","modified_gmt":"2024-06-19T11:28:17","slug":"how-banks-fail","status":"publish","type":"post","link":"https:\/\/kriptomat.hr\/en\/how-banks-fail\/","title":{"rendered":"How banks fail"},"content":{"rendered":"\t\t
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Introduction<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tBanks play a key role in the economy by providing financial services and\nfacilitating the flow of money. However, although they are closely related to the government and other\nstate institutions, which should reduce their likelihood of deterioration, as well as\nany other business, banks are also financially sensitive which can lead to\ntheir decay. In some cases, banks may even go bankrupt,\ncausing significant financial and social consequences, sometimes globally\nLevel. In today’s blog, we will try to clarify exactly how it comes to\nbankruptcy of the bank, and how to protect yourself from it. Regardless of whether you are an individual with\nsavings in a bank account or an entrepreneur with a loan, this knowledge could\nYou will be useful in preventing the loss of your money. Of course, we’ll look at\nwhat is the role of bitcoin<\/a> and other cryptocurrencies in securing your capital, and\nwhat are the advantages and disadvantages of bitcoin<\/a> compared to traditional banks.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Source: Cointelegraph<\/a><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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How do banks fail?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tWhen the government increases bond yields, which governments often do in times of high\ninflation rates, this can have serious consequences for the banking sector. Banks\nthey often invest in bonds as a way to diversify their investments and increase\nYield. However, when bond yields increase, the value of existing\nbonds (which the bank owns) in the market are falling. This can lead to large\nlosses to banks holding a significant percentage of their capital (including\nsavings funds), in bonds. In such a situation, banks can try\nsell bonds at a lower price to minimize their losses. However\nthe sale of a larger number of bonds on the market may lead to a further fall in prices\nbond, which would only make the situation worse. This is exactly what happened to two\nbanks in the U.S. this year. It’s about Sillicon Valley Bank and Signature Bank\nbanks. Fortunately for the beneficiary, the state decided to “save” these banks, and will\nusers get their money back, but we must be aware that this is not long-term\nthe solution, and that the state will not be able to pull out banks forever. In addition, the increase\nBond yields can raise interest rates, which is the case in today’s\ntime given that this is one of the policies that governments use to\nReduced inflation. This interest rate negatively affects loan demand,\n\nwhich is the main source of earnings for most banks, and this further reduces them\nprofitability of business. If the situation becomes too serious and the banks do not\nthey manage to disburse the requested funds of the beneficiary, they may face bankruptcy. In the\nsuch a scenario, which we can expect in the coming period due to\nraising interest rates, banks would be forced to sell their assets in order to\nThey would cover their debts and settle their creditors.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Source: Cointelegraph<\/a><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Depositors' funds<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tWhen the bank fails, it is customary for part of the funds to be paid to the owners,\nbut it depends on a number of factors, including the rules and laws in the country where\nThe bank is located. In many countries there is a deposit insurance that guarantees\nreturn ing part or all of the deposit to the owners of the deposit in the event of a failure\nbanks. In the United States for example, Federal Deposit Insurance\nThe Corporation (FDIC) insures deposits of up to $250,000 per deposit holder.\nOn the other hand, in the European Union (EU), each Member State must establish\ndeposit insurance scheme to ensure that deposit holders will be\nprotected in case the bank fails. Minimum requirements for deposit protection\nthey are established at EU level. It is customary for owners of deposits in the EU\nguarantees a refund of up to 100,000 euros per deposit holder and bank.\n\nThis means that if the owner of the deposit has less than 100,000 euros in the bank account\nwhich failed, they will be able to get back the entire amount of their money. So, insured\nyou up to 100,000 euros. If the bankruptcy of the bank occurs due to the financial crisis,\nthere is a good chance that the state will intervene in the rescue of the bank, and that the owners will\nmore than 100,000 euros in the case of the EU.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Source: Cointelegraph<\/a><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Sillicon Valley and Signature Bank<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tSillicon Valley Bank closed, i.e. went bankrupt, in March 2023.\nyears. The bank was closed for two reasons, the first was a decline in the value of investments\nthese banks (including government bonds). The second reason was the users.\nbanks who demanded their money back, and the bank did not have it at the time\nhimself. This is just one of five hundred and fifty banks in the U.S. that have failed since\nbeginning of 2001. years. This is the bank’s biggest bankruptcy since 2008.\nWashington Mutual went bankrupt in the last great recession. Sillicon Valley\nThe bank was the sixteenth largest bank in the United States, with $209 billion in total\nasset values in December 2022. years.\n

Signature Bank closed only two days later, on March 12th. March 2023 whence\nusers withdrew large sums of money in fear of bankruptcy similar to that of Sillicon\nValley Bank. We can see how a bank’s bankruptcy can cause\na chain reaction of decay of others. Such an event in which users\nthey try to extract their funds from the bank in fear of decay is better known\nby the English name “Bank Run”. Right behind Sillicon Valley Bank this is the second\nThe biggest one that has failed since 2008. In 2001, the Federal Government Agency (FDIC)\nDeposit Insurance Corporation) decided to “save” these banks, and return the funds\nbecause these banks were “Too big to fail”, i.e. so important for\nfinancial system that the government could not allow bankruptcy due to seriousness\nthe economic consequences that this would have left.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Answer<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tThe solution to this problem is very simple, the creation of a bank that would for every\nthe deposited euro held the same euro instead of investing it in different financial\ninstruments that are considered low-risk but still contain risk. Of course\nThere is a problem with this solution, and that is that there is no bank that is willing to\ngive up the additional profits generated by investing capital. This is also the reason\nWhy doesn’t a bank like this exist yet? But, as always, there is an alternative, and\nThat alternative is Bitcoin<\/a>. Digital assets where you have access to your money\njust you. In times of bank failure , Bitcoin<\/a> proves to be the best\nalternative, but the biggest problem is still too large price fluctuations in\nfor short periods of time. But this problem is also getting smaller given that.\nthat the data indicate smaller price fluctuations, i.e. increasing stability and\ncontinuous growth. That’s why cryptocurrency sends cryptocurrencies directly to yours.\nWallet, where only you have access to your money. This carries some risks (if\nlose keys you lost access to your money), but also advantages (it is impossible\nsomeone else loses your money). As always, we recommend that you\nremove money from exchange offices and other services, and store it in your\na wallet, where only you control it.\nWe hope you enjoyed reading today’s blog and learned something.\nnew. It would be great if you could have your opinion about the current, but also the future,\nthe situation with banks shared with us on our social networks (Instagram<\/a>,\nTwitter<\/a>).\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Introduction Banks play a key role in the economy by providing financial services and facilitating the flow of money. However, although they are closely related to the government and other state institutions, which should reduce their likelihood of deterioration, as well as any other business, banks are also financially sensitive which can lead to their […]<\/p>\n","protected":false},"author":1,"featured_media":4554,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48,50],"tags":[],"class_list":["post-5253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dive-deeper","category-general"],"acf":[],"yoast_head":"\nHow banks fail - Kriptomat<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kriptomat.hr\/en\/how-banks-fail\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How banks fail - Kriptomat\" \/>\n<meta property=\"og:description\" content=\"Introduction Banks play a key role in the economy by providing financial services and facilitating the flow of money. 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