Why Hundreds Of U.S. Banks Are At Risk Of Failing
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- čas přidán 15. 05. 2024
- Across the U.S., hundreds of small and regional banks are feeling stressed and may be at risk of failure. Of about 4,000 U.S. banks analyzed by the Klaros Group, 282 banks face stress from commercial real estate exposure and potential losses tied to higher interest rates. Most banks facing risks are categorized as small, or community, banks. Though the risk is less systemic compared to the Big Banks, community and regional banks are an important source of credit to local businesses and governments. “There’s no doubt in my mind there’s going to be more bank failures,” former chair of the U.S. Federal Deposit Insurance Corporation Sheila Bair told CNBC. Watch the video to learn more about the risk of commercial real estate, the role of interest rates on bank balance sheets and what it may take to relieve stress on banks - from regulation to mergers and acquisitions.
Chapters:
1:40 Chapter 1 - Stressed banks
4:56 Chapter 2 - Commercial real estate
6:21 Chapter 3 - ‘Unrealized’ losses
7:51 Chapter 4 - Rescuing banks
9:58 Chapter 5 - Regulation
11:57 Chapter 6 - Bank failures
Produced and Edited by: Andrea Miller
Reporting by: Hugh Son
Animation: Christina Locopo
Supervising Producer: Lindsey Jacobson
Additional Footage: Getty Images
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Why Hundreds Of U.S. Banks Are At Risk Of Failing
is it really worth investing in stocks in 2024, I’ve been on the sidelines watching the market for awhile and it seems to be pretty stagnant to me not that it matters because I’m in it for the long run, but how can one generate actual profit in this current market?
It may be a good idea to speak with a financial advisor who can help you develop a portfolio based on your individual goals and risk tolerance.
Partnering with a financial advisor has transformed my approach to investing. Their expertise and personalized guidance have not only helped me navigate complex financial markets but also optimized my portfolio to achieve my long-term goals efficiently.
Your advisor seems competent. Could you share how I can reach out to them? I've recently sold some property and am interested in investing in stocks, and I'm seeking guidance.
Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info
No, she went to prison for slapping a bald man on the top of his head repeatedly.
I still blame the FEDs for this, because in the end they benefit by either buying off the failed banks cheaper or something. The fed can print credit as long as someone will borrow it into existence, but they cannot print product (or production).
People are going through real life crisis, think now isn't a time to point fingers. Everyone should always be prepared for the unexpected to happen. That is how randomness works.
You're right! Now that the market is in decline, I know what I want to do, but I'm not sure which stocks to buy, which investments would yield the best profits, etc. The potential gain is greater due to the risk, and professionals are better at negotiating such exact contracts. Right?
Very true, I started investing in 2018 with no prior knowledge or expertise, and by the end of 2019 I had earned a profit of approximately $750k. I had simply been following the guidance provided to me by my financial adviser. This shows that you don't even need to be a great investor or put in a lot of effort; all you actually need is a professional to help you.
Impressive can you share more info?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’COLLEEN ROSE MCCAFFERY” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
By understanding how cash and banks work, it becomes clearer why they must ultimately fail. Ever heard the saying cash is thrash? Just hold your money in more stable and lucrative ways and save yourself the eventual stress and heartbreak.
Easier said than done. Besides them, what are even safer options? Are we to start burying our money or what?
Sorry to jump in, but there are a lot; gold, stocks, stable businesses etc. I know this cos personally I made my first million late last year from stocks and bonds which I have used to set up and put into other things. The only downside is that you could also lose your funds which is easily remedied by using an FA(who are way cheaper than most people think) or making very thorough inquiries. Good luck.
hi, I have actually thought about this but the risks have always put me off. please, what are the steps for getting an adviser?? like a really good one
You should start by looking out for those from known firms and good track records. You should also make sure the person is licensed. Personally, I use Kelly Matwick. She's good and you could also look her up.
fr man... after what happened last year, I don't trust banks no more
The bigger megabanks like JP Morgan will just swallow them up.
That was the plan all along.
and pay them $0 per share
Exactly
You’re right
I hate it cuz the small banks offer better rates.
Unfortunately right
It's almost as if the push for continous YoY growth and pushing consumers to increase their spending isn't sustainable.
Consumer Debt at $17 trillion,
does not actually help the GDP.
But the GAO seems to assume
some miracle will make the US Currency
survive?
They count all purchase, even Credit Card ones.
Spend your money or communism wins!!!
fiat + central banking system with irresponsible government spending
What are you talking about? Infinite growth is a wonderful thing with no bad outcomes. Just ask cancer.
One red flag is when banks start to cut their risk management units during end of cycle. Thats like firing your fire fighters just before a forest fire.
And..the real estate market slows down. Despite all tthe housing INVENTORY, less buyers are in the market and or not getting approved without 35-45% down payments. Those lending paramaters TAKE a lot of buyers out of the market. Lending guidelines are FAR MORE RISK AVERSE, in their lending matrix.
Yeah, but in the short term it made the line go up, so whats the problem? /s
Moral Hazard - When people know they are insulated from the consequences of their mistakes they tend to keep making them.
Tend sure. Also helps them get far enough to get tired of making the mistake if they last long enough.
Show me the incentives and I will show the outcomes...
Instead of bailing out the banks, couldn't they just be nationalized? I understand that the government may have to take the weight to prevent economic collapse, but why does it need to give the money to the very people that caused the problem? If the argument is that it must save the service, then save the service, not the owners. Basically, why not just save "the bank and the consumer" instead of "the investors?"
They could even make it temporary. Nationalize the failing bank without a dime for the investors (they would lose money anyway, this way they just don't gain anything extra), and then when it is stable again the government could privatize it to the highest bidder.
@@guilhermesavoya2366when they do nationalize you will whine about monopoly. And the bail out was a loan which was paid back with interest. Sound policies are what keep these organizations in check not "nationalization" or whatever socialist mambo jumbo. Because at the end of the day, the government can't nationalize all banks. Blame the orange clown who rolled back Obama Era policies that resolved all these issues.
Covid and the WFH explosion were black swans. Mid size banks should have built a better moat but who knew commercial real estate was about to collapse
Hey! I remember this one! we had one of these in 2008
That worked out great in the end (for the banks)
Except that was residential and not commercial.
Yes and this time is going to be scarier.
Bankers will be rescued. Wall street has lobbyists. Main street doesn't
Can finally buy a house cheap.
It's fine they will fire low level employees and give millions in bonuses to higher ups and then have the tax payer bail them out 😆
What happened to SVB is really scary, and goes to show that no corporation, however big, is immune to collapse. I have always had a deep-seated mistrust for corporations. I have plans to pull out most of my money, but don't know what to do with $350k sitting idly.
Biden is worst thing that happened to us
TRUMP 2024
Having an FA is the best way to go. Based on a direct encounter with a CFP named Julia Hope Marble I can say with certainty that their skills are excellent. She helped raise over 580,000 in 18 months from an initially stagnant portfolio of 150,000
Foreign trusted banking institutions such as the Swiss .
buy gold
For years banks have been paying less than a percent on the assets of depositors. They were raking it in. Now they are forced to pay higher rates and may go under, risking our assets. This is what happens when banks are deregulated. One just can’t trust businesses to do the right thing.
But but capitalism!
It’s going to take us longer than we’d like to learn our lessons and we may never learn them because there’s a lot of power and money stopping it.
@@willw7743another sub 100 iq voter that clearly doesn't know Capitalism actually means.
I trust them to enrich themselves at our expense. Go America...
@@willw7743 Nothing can save an intrinsically corrupt banking system from collapse, but they will try to make it look solvent by absorbing all your money and issuing you more debt and a chip to access it.
Only solution is to End the Fed, return to sound money and become your own banker. Its the only way to be sure.
We don’t have capitalism though. We have a corporate welfare state disguised as capitalism.
I saw someone call this 5 years ago. The community banks give loans to small business in the community. JP Morgan and the big banks only care and give loans to mega corporations. The failing of community banks is a consolidation of power and bad for the country and everyday person
Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.
Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.
The only issue you might have is the fear of missing out, just like everyone else. A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 5years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.
Mind if I ask you recommend this particular professional you use their service? i have quite a lot of marketing problems.
‘Linda Aretha Reeves’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing
If you've ever wanted to know what a massive debt bubble looks like, this is it. So many things are about to break simply from a return to historically normal interest rates. In a healthy economy where everyone can actually afford what they're buying, 5.5% interest shouldn't break you. The reality is, consumers and institutions are stretched to their limit and went on an excessive debt binge after years of net negative interest rates. In the first quarter of this year, we saw GDP growth decline while inflation was still on the rise despite this and household incomes not changing significantly. Meanwhile consumer debt and credit card balances have exploded so far this year. This almost certainly means price increases and what little economic growth we have (1.6%) are being fueled by debt, which is completely unsustainable and an ominous sign for the economy.
And the biggest bubble of them all - $35T in public debt. The federal reserve can’t even raise rates like Volcker because the country simply can’t afford it. US Government needs to curb their deficit spending and raise taxes, it’s about time.
Yeah Well maybe people could start moving out of their Parent's Houses.
Wrong
@@NOBLEFILMS1987 and how will they afford it? Most people can’t even afford a studio apartment.
This dude came to the same conclusion I did and the response is that people should move out of their parents house lol... We are in a debt economy with start up companies selling away their businesses to venture capitalist and then they come in and run the entire business to the ground not generating any profit, pretty much sustaining themselves off of investors. A lot of BLOAT that do not generate any income in the workforce like ESG/DEI, government too slow to keep up with economics regulations in the modern rapid tech advances.
Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $560K for sometime now, my major challenge is not knowing the best entry and exit strategie;s ... I would greatly appreciate any suggestions.
Although my knowledge of the business is limited, it seems that this is the ideal time to enter the market based on my understanding of supply and demand in the economy. The consistent price variations, which shouldn't be an issue, are the only thing stopping me. But I really need a counselor; could you please assist me?
thank you for sharing; I just looked up the broker you recommended on Google and was really impressed with her qualifications. I will immediately send her an email.
consider yourselves lucky if you have a market over achiever. it's why I'm very confident in the future performance of my P&L
Though I started with as low as $15,000 AUD actually because it was my first time and it was successful, She's is a great personality im in Australia
Fraudsters!
Not bailing out these banks will lead to an economic depression, but that’s what the world needs otherwise nothing will change. Banks will just take more risks and consolidate further.
you don’t even realize the consequences to that
The banks should've lived within their needs 🤷♂️@@isaiahX7
Instead of bailing out the banks, couldn't they just be nationalized? I understand that the government may have to take the weight to prevent economic collapse, but why does it need to give the money to the very people that caused the problem? If the argument is that it must save the service, then save the service, not the owners. Basically, why not just save "the bank and the consumer" instead of "the investors?"
They could even make it temporary. Nationalize the failing bank without a dime for the investors (they would lose money anyway, this way they just don't gain anything extra), and then when it is stable again the government could privatize it to the highest bidder.
The global majority is moving away from the ISD. They won’t experience the depression.
@@isaiahX7 The alternative is the destruction of the currency and ultimately the country. As bad as great depression II is, the alternative is far far worse. This is something that a decade ago we thought would be for someone 20-30 years in the future to worry about. Well, we're about to be forced to confront reality a lot sooner than anyone expected.
I would love to hear how Credit Unions are doing.
Massive credit union near me, just got approved for a merger with another huge credit union, and expanding heavily while the bank I work for seems relatively stuck in place, or at least expanding slower.
@@anthonywillick9630 its almost like Socialising banks to server for its customers will allow trust and easier time in times of desperation and fear.
Fractional reserve banking. It's like we learned NOTHING during the last econmic collapse lol.
Those people are probably diseased or old right now, and if they are alive they probably don't care and they are enjoying retirement.
Fractional reserve banking isn't the problem. The risk management is.
Well, the banking system has learned like a child that if they fail, daddy will just save them. Hopefully daddy doesn't put himself at risk to save his kids.
@@michaelm.3641 there's actually no problem. Money is neutral and smart money always looks twice before parking any amount of money above the FDIC limit. Dumb money or OPM like at Silicon Valley bank is the exception. Let the markets sort it out, as Andrew Mellon wisely said in the 1930s.
Nothing to do with fractional banking
Is there a way to see the actual list of stressed banks? I'm interested to see the actual banks that are struggling.
They wouldn’t because it’d cause a bank run. If you saw a bank on a list that you work with has a chance of collapsing, would you keep your money there? Nope.
@@LaSombraa Good point
No, but look at banks offering high cd rates
Remove your money from bank and buy gold ?
@@prashanthb6521 Tell your Congrescritter to End the Fed and give everyone sound money!
Here comes "Too Big To Fail" Part 2
Not really. Only banks that didn't account for the fact interest rates could rise are at risk.
@@swaggerythat is every single bank in US, because the government will bail them out, they know that, so there is no risk of losing everything, no consequences of bad behavior.
Correct. The NY bank that just failed passed its stress test. This is BS - All is well, all is well.
More like: yep, small enough to fail.
@@swaggeryThe banking system is intertwined. One catches a cold and it spreads.
And yet nothing will change
Opportunity comes during chaotic time. They will never let a recession go to waste…
If only there was some new international crypto currency everyone could buy in ETF form… /s
Inflation will. Every bail out involves buy bonds way over market values. The effect is pumping more money into the market like easing.
😂ofc,it is capitalism ill
They will kick the can down the road.
You get a bailout and you get a bailout, and you get a bailout and you get a bailout and you
If you look under your seat mr billionaire banker sir, you in fact also get a bailout
Can I get a lap dance instead
WOOOOOOOHOOOOOOOOOOOOOOOO
They won’t bail out the regional banks, they only bail out the big guns
That’s why they’re talking about private capital
Citi and Bank of America were bailed out in 2008. The big banks need to be broken up over time as they pose the real threat!
You work for 40vrs to have $1m in your retirement, Meanwhile some people are putting just $10k in a meme coin for just few months and now they are multi millionaires. I pray that anyone who reads this will be successful in life.
Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself.
Thanks to Mrs Anna Davis.
She's a licensed broker here in the states
YES!!! That's exactly her name (Anna Davis) so many people have recommended highly about her and am just starting with her 😊 from Brisbane Australia🇦🇺
After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸also paid for my son's surgery (Oscar). Glory to God.shalom..
Why is it that US banking is a continuous dumpster fire?
Because they want to take the whole world down with them.
THE FED.
we are repeating the exact history during the early 1900's which saw repeated bank failures until Glass-Steagall was enacted in 1932 and there were almost no bank failures for ~70 years until they got rid of Glass-Stegall in 1999 and then all the banks started failing again and within 10 years the great financial crisis. Dodd-Frank was worthless. This will continue until Glass-Steagall is brought back.... but a slower economy might be the result.
The FED bails out banks, so there's no real risk to anyone. At least at the bigger banks. They can take all the high risk/high reward investments and YOLO it knowing big daddy government will bail them out....again
Sarbanes oxley act not being enforced. Banks just gambling with depositor money and doing whatever TF they want.
Banks during the depression: "Lock the doors! We are broke asf! Turn off the lights!"
Average American: 💀
It's just a matter of time. It all will come down burning. The real issue is that people are broke, stagnant wages. Americans maxed out when it comes to borrowing and spending money they don't have...
Let it come down, we need to kick out this corrupt debt as money private Federal Reserve and return to sound money. People don't realize how much better it would be. US has been bankrupt at least since 1933!
Nearly 5000 banks are in the US and only hundreds are struggling…sounds like a controlled demolition to me
the buck stops at the FED, but unfortunately the FED itself is also a failed bank (trillions of dollars in debt). China and Japan have stopped bailing the FED out. Also, lenders have been demanding more interest on the bonds. minus inflation, bonds pay peanut. US pays 1 trillion dollars in interest for every quarter. this is unsustainable.
Wow, it's real estate related?
Is there a single major problem in this country that isn't ultimately caused by inept land management?
"Hard Landing" becoming more likely, just happing in slow motion.
Exactly. The soft landing was always a unicorn....
This just involves the banking sector while a hard or soft landing affects the entire economy. It’s called greed and bad management on part of the banks.
This is a result of interest rates being kept too low for too long and corporate office space being undesirable.
You guys realize if you create fear it increases the likelihood of a bank run
But... views... 😮
U.s. media always be fear mongering, rather than report its been evident for years, the music, the tone and don't forget the headlines.
What I feel many of these comments and this video fail to mention is how community banks are massive parts of their communities. They are trusted face for a home loan, a kind teller who asks about your family as they deposit your paycheck, the sponsor of your child’s sports team, and so many other things to the places they call home. To lose them, would just be giving business to larger and faceless banks that have no stake in you or where you live.
Why do people who don't know how to do banking deserve to do banking? There are other people in the community who could do it. Who actually deserve to be trusted. It isn't either-or. We don't actually have to choose between a bunch of incompetent local bankers and a bunch of faceless international bankers.
That's what they want! We live in a capitalist society, like monopoly the game
* traumatic '08 memories intensifying *
THAT MORONS IN THE WHITE HOUSE HAVE TO STOP PRINTIG MONEY.
They want the smaller banks to fail so they can be brought out by the bigger banks. Because they want a digital dollar and they want to get rid of paper money also we are seeing the beginning of a new monetary money system. Why do think so money countries are buying gold lmao lol. The US will lose its status as a reserved currency and the elites want the US economy to fail because it's impossible to pay our debts back. The elites will transfer their wealth to the new financial system while American citizen will be responsible for our 34 trillion dollar deficit lmao lol
It’s not that bad. It’s going to be an apocalyptic scenario though for commercial real estate.
I was in 5th grade when that happened and any similar situation would be a lot worse since youth worldwide are not doing doing well and home prices would only go down to their actual worth
Why is Google always deleting my comments
Thank you for sharing this!
And this is why you need to "get back to the office"😂😂😂
This is why you don’t, so commercial real estate can be cheaper for small buisnesses.
Nobody truly needs to go back to working in an office...
@@tomsam1314 Enjoy getting your jobs replaced by AI soon lol
@@heinrichkoenig8849 what’s that got to do with anything?
@@heinrichkoenig8849YEAH! HAHA!
This is the result of allowing the big mega banks to form post 2008.
I don't buy this. I've heard the opposite, to find smaller community banks, which have more strict lending policies vs the national banks that lend to anyone. To Mr. Powell, of course the big banks won't fail because they'll just get ANOTHER bailout.
This is based on a Klaros report which screened regulatory filings of banks and found just under 300 institutions whose CRE concentrations exceed 300% of capital. This is a very real concern
Thank you for the information! 🤝
People who think money is an illusion have never been homeless, starving, or in jail.
Y’all know what this means! Home ownership’s bout to be back on the menu boys.
This has nothing to do with homes. This is about commercial real estate
In other words, we're about to see a replay of the 2008 banking crisis. Please, let's not lose faith yet in our great government.
Nah big banks take over the assets and deposits as these banks fail.
Well, last time the crisis was attached to real-estate; variable rates on single family homes.
This time it's attached to commercial real-estate, rental markets, and brick/mortar leases.
Single-family homes will only receive a distal effect from the fall-out; thank God.
@@vladimirofsvalbard9477 different issue all together. Banks created market back securities and didn’t grade the debt correctly. Basically when they aggregated these securities they made the high risk ones better rated. That kind of stuff doesn’t happen now. That was going on since the 1980s.
People will lose their jobs. How will they afford to keep their homes. I don’t think you understand macroeconomics. We are talking billions of losses. You think everyone’s just going to say “oh well”. No. It’s called a fiduciary duty to investors.
@@bobroberts2217no body is loosing money. The feds take over the bank, the deposits, and the assets and tells another bank on X days they take over and make it a branch.
12 years ago, I remember seeing some old dude calling it out on tv. That western economy has its ups and downs, that's normal. But when you should start getting scared as it starts to doing it to often and to fast in a short period of time . Like towing car that start to rock before you know it you crashed.
The problem is banks are allowed to report earnings with mark to market which makes banks appear more solvent than in reality. Also first republic bank even with JPMC cash infusion still failed.
Marked to market largely resulted in banks showing worse positions due to unrealized losses in securities portfolios.
The reason there are fewer mergers is because if a healthier bank merges with a stressed bank they have to take on all of their debt, stock, and unrealized losses of the stressed bank. If a bank fails the healthier bank gets a sweetheart deal from the FDIC with a lot of forgiveness on debt and stock.
It’s more than time for a complete reform.
Who’s gonna do it?
Wall Street try to paint it as all well and good and stock market skyrocketing every month. The consumer is overstretched and will pop any day. Starbucks earning shows how consumer behavior and spending is changing . 5 % decrease over a year is a lot
Do you believe a 5% figure ? No way its more like 25% guaranteed
McDonald's as well.
Great video, I really appreciate the dedication in each video you post. Despite the dip in crypto, I still thank you for the level headed financial advice. I started crypto investment with $4,345 and since following you for few weeks now, i've gotten $18,539 in my portfolio. Thanks so much Maria Susan.
I'm surprised that you just mentioned Maria Susan here. I met her at a conference in 2018 and we have been working together ever since.
She is my family's personal broker and also a personal broker in many families in United States, she's a licensed broker and a FINRA AGENT in United states.
Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading.
Susan’s expertise in customizing investment portfollos based on changing market conditions and personal risk profiles is exceptional it's not a one size-fits-all approach, which is crucial in crypto investing.
As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.
Sadly, banks continue to stumble, mortgage rates is on the rise with higher imports and lower exports, yet the FED is to lessen cost. So, where do we grow and safeguard our money now? something will eventually break if they keep raising interests and quantitative tightening.
ideally, you should consider financial planning to get the best results with your money, notwithstanding economy situation
Well agreed, I'm quite lucky exposed to finance at early age, started job at 19, purchased first home at 28, got married shortly afterwards to raise kids early. Going forward, got laid-off at 40 amid covid '19 outbreak, immediately consulted with an advisor in order to stay afloat and after subsequent investments, I'm barely 25% short of $2m ballpark goal as of today.
@@spacecadet6this sounds considerable! think you know any advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
"Gertrude Margaret Quinto" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
This is useful information; I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
Hallelujah!!!! The daily jesus devotional has been a huge part of my transformation, God is good 🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻was owning a loan of $47,000 to the bank for my son's brain surgery (David), Now I'm no longer in debt after I invested $8,000 and got my payout of m $270,500 every months,God bless Chloe Linda Henderson 🇺🇸🇺🇸🇺🇸..
Hello how do you make such monthly ?? I'm a born Christian and sometimes I feel so down 🤦 of myself because of low finance but I still believe in God.
Thanks to my co-worker (Alex) who suggested Ms Chloe Linda Henderson.
She's a licensed broker in the states 🇺🇸
After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸 also paid for my son's surgery (Oscar). Glory to God.shalom.
Wow that's nice She makes you that much!! please is there a way to reach her services, I work 3 jobs and trying to pay off my debts for a while now!! Please help me.
"Dont worry because we've been through this before." That's what the bank says right before they go under.
I had a CHASE Business account, and went with a local Community Bank as the VP for the Business Departments actually put in the work to help me get funding for capital growth.
However, shortly after I diversified my money and changed over my ACH's the VP called me to inform me the bank is merging with other banks. I asked the Banker "Why", and are my "deposits FDIC insured" as I transfers more money than what FDIC would cover.
I am really worried about the current bank crisis/interest rates, these are all the signs of yet another 2008 market crash 2.0 , so my question is do I still save in the United States dollar or is this a good time to buy gold?
Prolly a good time to buy gold is when you look around and realize you need to ask that question
Who accepts gold for payment? Seriously wondering.
It’s nowhere near the scale of 08 but we will likely see more turbulence. Very likely additional failures and losses in CRE
Thank you for the content!! All we need is the right advice on how to invest in crypto and we will be set for life, I’ve made huge figures from trading regardless of the market conditions😊
If you don't want to crash and burn, you should seek the advice of a fiduciary counselor when you first start out. Because their entire skill set is based on going long and short at the same time, they employ a profit-driven strategy based on individual risk tolerance.
This sounds so good and I would like to be a party to this, is there any way I can speak with her?
Sure! She interacts on what 's Apk using the digit below 👇
🇺🇸+135
2519
Simple solution on the bonds with lower rates. FED should prioritize buying up and honoring such BONDS from banks at their face value.
The mess was created by the FED mis-categorizing the inflation as NOT being transitory thus hiking up rates and can only be solved by them.
Hello! NIce to see great video! I got a lot best advices from the this video. Thank you so much for teaching and spending time to make such wonderful and educational videos :) Good Luck
It just doesn’t stop.
No matter how we see this, it ends the same; failure.
Commercial failure or residential failure etc it just doesn’t stop with this capitalistic society failing in the end.
Borrowing money in the commercial sector is just as horrible as any other borrowing sector.
When we talk about our citizens needing better pay to have more capital to invest, the idea to solve a problem for those who own a large majority of assets and capital is absurd.
Our citizens as tax payers are just saving those who own the majority of stock shares and property but get left behind when we talk about taxing the rich, regulating healthcare costs, living costs and transportation.
How are we as a nation solving those who own banks and are those who are supposed to be capital gains experts?
Too big to fail, too big to exist really should ring loudly for our citizens.
This video is a great example how regular citizens are just on the back burner while billions upon billions are being traded or bought up.
We are watching as we have to sympathize with small banks to save our communities through capital finance through borrowing to strengthen said small community banks.
When these banks fail then where do the locals go to ask for loans when they are at an average to low income?
The big banks will turn them down or right up some policy that will make it impossible to ever own what those individuals are getting loans for ie homes, cars, even medical bills etc.
It’s tragic where we are going with this idea that borrowing is profitable just to watch as every American struggles to make rent or put food on the table with six figures.
It never fails to amaze me as I watch as our nation will devise plans to save a small bank but do nothing to save that family who desperately needed their employers to give them a living wage as this said company just goes into the private sector of the stock market and now have their hands in the pocket of said local community bank that is failing, hoping to buy them out.
The American dollar can be followed and there are only a certain amount of individuals who live and own those communities and those banks.
It doesn’t matter though some how sacrifices will be made to ensure our economy is safe and we can continue watching private corporate companies find the mysterious amount of capital to buy up all those loans in default to make record amount of capital the following year.
The dozens of times you keep saying "American citizens", "American people", "American struggles" is the reason why you get screwed.
Try being nice to the rest of the world, and refer to these problems with regards to the problems of "All Humans", as all humans matter, not just "Americans", cuz if your problems are solved by someone & americans are happy again, you'll go back to your happy life while letting your govt murder women & children across the globe. So, what's the use of helping just "Americans" instead of all humans?
There's no risk. they know they'll be bailed out. just like in 2008 & 2023.
Big banks are almost guaranteed to be bailed out. Small banks are definitely not.
No..this time the government can't help..this is litteraly the end of the road for QE
No banks were bailed out in 2023
How long would it take the FDIC to pay out if a bank fails with my deposit? 5 years? 10 years? Yeah im still going to be worried lady
All the capital raised to improve balance sheets has (1) been charity (2) been larger banks
We gonna be just fine. What? 😮
I got out of banking last year after 12 years. I feel like the writing’s on the wall and it’s just a matter of time before clerks and loan officers are replaced by ATMs and AI
I for one welcome our tech overlords, the more jobs we automate the less we have to work or can focus labor in different (hopefully better) areas.
Atm numbers are diminishing in my country, we have ai for a long time before chat gpt a lot of people use homebanking.
Let them come so people can discovery they are overhyped for certain applications
@@willw7743 Until you learn that many people can't do advanced jobs, and then you get a combination of criminals and violent people lashing out at a system that has no place for them. Good times are coming.
@@willw7743: Right now, the automation is there already ? And the people sleeps on the streets, with no food and no money and can't read the news. I used to think that, if you don't have an address, then you cannot get access to services. Now ? It's a case of... If you don't have a mobile phone. Then you are screwed. Royally. Even the offices of the councils doesn't exist at all... Or the offices of help doesn't work any more....
ATMs will probably start disappearing soon as cash is used less and less.
"Chancellor on the brink of second bailout for banks" 👀👀
The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies
ask - why america funding other countries that fails banks in america?
because the banks might be failing but the corporations are having the time of their lives; banking busisness should have lobbyists as good as these corporations if they want the government to care more about them 😂 😂 that's what you get when your politics are defined by separate private interests instead of driven by the greater good for the whole.
The 4 big banks drooling at the idea they can buy more and expand. 🤤
Any idea if there's one group that runs the banking system? Is it the amish or osmeone else? Anyone know?
Postal banking systems, emphasis on Internet banking tools and phone/ chat support, and more credit union systems.
Oh no. That will mean less profit for the “investors/capitalists”. Will never happen.
Customer accounts need little if any maintenance especially when the infrastructure is in place
All depositors are unsecured creditors period. Change the law if you want the people to trust the system.
Correct, David Webb makes that abundantly clear in his 'Great Taking' documentary.
Shut down the Fed and outlaw money printing and then maybe I’ll consider trusting it but not until then.
4:50 The FDIC only has about 4% to cover all deposits of this size
The American banking system is so stupid
That last sentence represents everything wrong with the financial industry and government.
Banks need to "experiment" and "if a billion dollar bank fails it doesn't effect the economy"
Banks need to store money and that's it, there's no innovation or experimentation to be had and that idea needs to be nipped in the butt.
If a billion dollar bank fails that's until levels of inflation, so many jobs, so much financial hardship for those who use the bank and so many other issues. To someone in New York this is a quirky little experiment that makes a number on a spreadsheet but in reality it's people's livelihoods they're playing with.
You did are not gods and shouldn't ever feel like you are like that last guy clearly thinks he is, governments are supposed to stop them having that power but they're corrupted as well.
How would a bank earn any revenue to pay interest rates for depositors if all they were to do is store money?
@@danielcarrapa3632 charge a fee to consumers sort of like how they use to. Considering money is almost entirely digital now it should be a pretty cheap fee especially if there's solid competition.
@@AJonVolk I think what you're really missing is the game that most people are oblivious to. The US population has no will or desire to bail out banks again, the big banks are completely aware of this, and the FIDC is also aware of this. So how do you make a bunch of money from people being angry at you. Well you take some of your portfolio, create a few smaller (less than a billion) banks and have them play stupid games with obviously stupid prizes. Run up both assets and debts to the Nth degree on the balance sheet and then let those banks fail. The FIDC will have no ability to "bail" out those banks and the "people's" assets are in danger, so they will run to you, the large bank and offer all of the assets from the dying bank to you at a discounted rate AND you get to divest the debts. Boom you just earned a BILLION of assets for 500 million and none of the debt that was piled up.
It would be funny if it wasn't creating massive blank spots inside the balance sheet. In the real world when you clear out all of the dirt underneath a city sinkholes randomly appear, it's similar in economics. All of the politicians talk of the next generation paying for some COVID relief for the people, but none of them discuss how all the massive debts that are never paid back are just under the surface, soon the sinkholes will appear.
For profit banks should be outlawed
This is possibly the worst idea ever
small banks may keep the loans in the book, that's one thing, can the borrowers repay that is the other.
FACTS - Central banks globally are stockpiling physical GOLD , and have been for a number of years . Governments are also now stockpiling physical SILVER . Younger generations of Chinese are massively stockpiling physical silver and gold . Gold is at a historic high ; silver is 50% of its all time high .
Great advertising for bitcoin 😅
Greatest economy ever.
I have never heard of C&I (Commercial & Industrial) Loans referred to as CNI Loans (5:09) but would love to hear others feedback......
Dedollarization
Bidenomics
Bidenomics, baby!
Unrelated
Great data,👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾🙏🙏🙏🌟⭐️💎
Nothing to worry about. These will just be transitory bank failures.
We should have just taken care of this in 2008. And when Covid was a pandemic.
*Plandemic*
They will get bailed out just like in 2008 😹😹
I wouldn't called it bailed... more like bonuses of 2008
@@virtuaguyverify I don’t remember asking for your opinion
@@googleaccount6931 I remember you commenting and me correcting though
So the larger megabanks get to offset their interest rate losses with the fed but the community banks are left to fail and get swallowed up by the big banks.
1:53 Asbury Park lol
Good.
not good
Bidenomics 🤣🤣🤣
That’s got nothing to do with it
They bailed out big & small banks. Yet, bailing out students is somehow outrageous ⁉️🤷♀️
I want to start trading quotes, how many dollars can I start with and do I need to use a broker?
Hey Feds, here’s 3 step solution:
1) stop printing money
2) stop funding overseas wars
3) stop creating government jobs
1. The Treasury prints money
2. Congress and the President decide on overseas aid packages
3. Congress and the President are the ones who essentially create government jobs.
@@hellzshotgun yep the Feds (federal govt)
That won't fix the issues mentioned in the video. The banks will still have stressed loans.
@@razorswc noted. But it’s what got us here so let’s prevent from reoccurring.
Two out of three of those are really bad ideas
This video is from 2023 👎
All the local Banks in my area are gone, big ones moved in. Something happened
no wonder macatawa bank in west michigan was acquired by wintrust financial corp
Please get an adult to narrate.
ok boomer
sure grandpa, now lets get you to bed
4:51 - No need to worry? If a bailout occurs inflation will soar will it not?
I love this content
Socialising the loses, privatising the profits.
me sipping coffee while working from home ☕😂
By YouSum Live
00:00:00 Small and regional banks face stress from real estate loans.
00:00:21 Rapid interest rate hikes threaten borrowers and banks.
00:00:41 Regulators issue confidential reports to at-risk lenders.
00:01:00 Private capital infusion can prevent widespread bank failures.
00:02:01 Community banks hold significant assets comparable to large banks.
00:02:23 Analysis focuses on banks with high commercial real estate exposure.
00:06:26 Federal Reserve's interest rate hikes impact bank asset values.
00:07:45 Banks face challenges with interest rate risk management.
00:10:08 Mergers and acquisitions in the banking sector face regulatory scrutiny.
00:12:29 Expectations of gradual bank failures over the next two years.
00:13:31 Policy priorities differ for smaller vs. larger banks in crises.
By YouSum Live