Amerikansk bankbranche i uro: Et omfattende kig på den 'store konsolidering' og største banksvigt af 2023

2023 has been a rollercoaster ride for the U.S. banking industry. The collapse of three major banks has sent shockwaves through the financial world, with their combined assets surpassing the top 25 banks that crumbled in 2008. The following is a closer look at what has triggered a ‘great consolidation’ in the banking sector, a recurring theme in the industry’s history over the past century.

Indhold

A Listicle of Bank Consolidation, Failures, and Issues Facing the U.S. Banking Sector

USA. banking industry has taken a beating in 2023, with the market capitalizations of dozens of banks across the country dropping considerably in recent months. The reasons for this struggle are varied, with some blaming poor choices by financial institutions and others pointing fingers at the U.S. central bank. While it’s important to consider different opinions, a comprehensive listicle of information can shed light on the country’s ‘great consolidation’ in the banking sector and the largest bank failures in the United States. Så, let’s take a closer look at these developments and what they mean for the country’s banking industry.

  • In the year 1920, historical data reveals that the United States boasted a grand total of approximately 31,000 banker. Imidlertid, by the year 1929, this number had dwindled down to Mindre end 26,000. Since that time, the number of banks has experienced a precipitous decline, plummeting by a staggering 84%. Som resultat, fewer than 4,160 banker remain in operation today.
  • Out of the 4,150 OS. banker, the top ten hold mere end 54% of FDIC-insured deposits. The four largest banks in the country have amassed a whopping $211.5 milliard in unrealized losses, with Bank of America bearing the brunt of a third of that amount.
US Banking Industry in Turmoil: A Comprehensive Look at the 'Great Consolidation' and Largest Bank Failures of 2023
The top ten largest U.S banks by assets in 2023 according to Insider Intelligence.
US Banking Industry in Turmoil: A Comprehensive Look at the 'Great Consolidation' and Largest Bank Failures of 2023
The combined assets of First Republic Bank, Silicon Valley Bank, and Signature Bank outpaced the top 25 bank failures in 2008.
  • Federal Deposit Insurance Corporation (FDIC) provided JPMorgan Chase a $50 billion credit line and noted it lost $13 billion from the First Republic Bank fallout. The FDIC estimated the cost of Signature Bank’s failure to its Deposit Insurance Fund to be around $2.5 billion and the Silicon Valley Bank collapse cost the FDIC $20 milliard, bringing the total to $35.5 milliard.
US Banking Industry in Turmoil: A Comprehensive Look at the 'Great Consolidation' and Largest Bank Failures of 2023
A look at the largest bank failures in the United States since 2002.
  • In addition to the recent First Republic Bank collapse, Pacwest Bancorp’s shares have been sinking steeply. Over the past six months, Pacwest has lost 73% of its market capitalization value. Kategori, Pacwest is weighing strategic options and a possible sale, according to people familiar with the matter.
  • Western Alliance Bancorp is also struggling with shares ned 57% lower during the last six months. While several of the failed banks saw significant withdrawals like First Republic’s $100 billion outflow in March, Western Alliance påstande it has not seen any unusual deposit outflows.
  • Sources og Statistikker show that U.S. banks that provide mortgages lost an average of $301 for every loan that originated in 2022, ned 87.13% from the $2,339 profit per loan in 2021.
  • In the second quarter of 2021, banks acquired a record amount of government debt by obtaining $150 milliard worth of 10-year Treasury notes. Imidlertid, thanks to the Fed’s ten consecutive rate hikes, 10-year and 2-year treasury bonds in the U.S. are currently inverted. This means the banks with excessive reliance on long term bonds are struggling because the yields on the 2-year Treasury note are actually higher than the 10-year Treasury.
  • i maj 3, 2023, USA. Federal Reserve hævet the benchmark bank rate and it is now at a 16-year high.
  • I marts, the four biggest U.S. banks by assets held, JPMorgan Chase, Bank of america, Citigroup, and Wells Fargo collectively lost $52 billion of market value.
Tags i denne historie
2023, bank failures, Benchmark Bank Rate, commercial real estate, FDIC-insured deposits, Finansielle institutioner, government debt, great consolidation, Markedsværdier, Pacwest Bancorp, OS. banking industry, unrealized losses, Western Alliance Bancorp

What do you think about the issues U.S. banks face in 2023? Del dine tanker om dette emne i kommentarfeltet nedenfor.

Jamie Redman

Jamie Redman er nyhedschef hos Bitcoin-Tidings.com News og en finansteknologisk journalist, der bor i Florida. Redman har været et aktivt medlem af cryptocurrency-fællesskabet siden 2011. Han har en passion for Bitcoin, åben kildekode, og decentrale applikationer. Siden september 2015, Redman har skrevet mere end 7,000 artikler til Bitcoin-Tidings.com Nyheder om de forstyrrende protokoller, der dukker op i dag.




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