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- Silicon Valley Bank's crisis was caused by high levels of uninsured deposits and investments in securities, leading to potential bank run.
- Credit Suisse's crisis resulted from poor management decisions, risky investments, inadequate risk controls, and exposure to risky parts of the financial services industry.
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The Challenges Facing Silicon Valley Bank
Silicon Valley Bank has a unique business model, specialized in the Silicon Valley sector, raising money from and deploying funds largely within that setting. However, it faced challenges due to its high level of uninsured deposits and its choice to invest in a lot of securities. The problem arose when rates rose significantly, causing the value of its securities portfolio to decline. Uninsured depositors became nervous, leading to a potential bank run.
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