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Ram Ahluwalia Predicts MORE Bank Failures
Bankless
The Importance of Having a Whole to Maturity Portfolio
Banks are permitted to classify assets such as you securities into their whole to maturity portfolio. When rates went up so they were unrealized losses into that into that whole to mature portfolio meaning the mortgages and securities weren't worth what they had purchased them for. So imagine your Silicon Valley bank now they took in record deposits due to a record year for venture fundraising right poor codes are depositing 50 to $100 billion in new deposits at Silicon Valley bank. First the bank starts prioritizing. Meet the wire transfer with cash. Then meet the wire transfer demand with selling what are called available for sale securities or their trading portfolio. And then they crack the emergency glass at the last resort they sell whole to
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