🦧 keyword is stress
🦧 keyword is stress
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😟 keyword is stress
svb, before its fall, was a regional bank
regional banks are significantly smaller and operate over a certain region or geography, usually not big enough to cover a whole nation
regardless, small to mid-size banks play a crucial role in the economy, and the svb-induced stress may potentially have a heavy impact on the rest of the regional banks
🔢 the small-medium presence
just exactly how important are small to mid-size banks (roughly meaning regional banks) to the us economy? here are some stats:
lenders with less than $250b in assets make up ~50% of us commercial and industrial lending
for perspective:
BAC 0.00%↑ (bank of america), the second largest commercial bank, has over $2tr(!) in domestic assets
svb had $200bn+ in assets and ~$175bn in assets before it collapsed
🔬 fresh research from GS 0.00%↑
researchers at goldman sachs expect that lending standards will tighten more
this is a way to manage risk, by setting more difficult standards as to who or which organization gets to borrow how much money for how long
less money lent out may lead to less overall economic or business activity if the impact is non-negligible
goldman researchers now expect a ~.25% drag on this year's gdp growth
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💡 something im thinking about
the new basketball – 3d printed and full of holes (click image)
