Fintech banke v prihajajočem kriznem obdobju
- Ustvarjalec teme gimi
- Začetni datum
V četrtek in petek so pričela prihajati obvestila, da ima banka morda težave in naj denar čimprej prestavijo drugam. In ko so to masovno počeli, so seveda dejansko povzročili težave.
Namreč mnoga podjetja so imela tu denar za plače zaposlenih, mnogo več kot tistih "zavarovanih" 250.000 dolarjev.
Namreč mnoga podjetja so imela tu denar za plače zaposlenih, mnogo več kot tistih "zavarovanih" 250.000 dolarjev.
Tukaj je časovno, kako hitro je vse skupaj potekalo.
newsletter.pragmaticengineer.com
Thursday, 9 AM: in one chat with 200+ tech founders (most in the Bay Area,) questions about SVB start to show up.
10 AM: some suggest getting the money out of SVB for safety. Only upside. No downside.
10:50 AM: I read the messages in a bathroom break. Immediately cancel the meeting I had. Ask my wife, Tania, to wire all of our personal money out to other banks. Call my teams. Ask them to do the same. One of them, at the dentist, has to stop the procedure and run home. (...)
~12:00 PM: All of my chats with tech founders in the US light on fire with what’s happening. Obviously, we have a bank runoff. Surreal.
12:30 AM: We request two wires for all the money from the 2nd company to Mercury.
12:38 PM: Wires to Ameritrade clear. The 1st company is safe. (...)
~3:00 PM: My chats with tech founders from Latin America start to catch up.
4:05 PM: SVB calls us. Tells us that our savings will be wired the same day, as requested.”
Customers not quick or lucky enough to transfer their money out had their accounts frozen for all of Friday, and could only hope to access $250K in deposits. This may sound like a lot for a personal account, but for a company with 30 employees on $150K each and monthly AWS costs of $100K, it would barely cover 2 weeks of wages and infra costs.
Garry Tan, CEO of Y Combinator stated how “30% of YC companies exposed through SVB can’t make payroll in the next 30 days.”
The Collapse of Silicon Valley Bank
The bank serving half of all VC-funded startups in the US and UK collapsed more or less overnight. How did it play out, and what are the next steps for startups?
newsletter.pragmaticengineer.com
Thursday, 9 AM: in one chat with 200+ tech founders (most in the Bay Area,) questions about SVB start to show up.
10 AM: some suggest getting the money out of SVB for safety. Only upside. No downside.
10:50 AM: I read the messages in a bathroom break. Immediately cancel the meeting I had. Ask my wife, Tania, to wire all of our personal money out to other banks. Call my teams. Ask them to do the same. One of them, at the dentist, has to stop the procedure and run home. (...)
~12:00 PM: All of my chats with tech founders in the US light on fire with what’s happening. Obviously, we have a bank runoff. Surreal.
12:30 AM: We request two wires for all the money from the 2nd company to Mercury.
12:38 PM: Wires to Ameritrade clear. The 1st company is safe. (...)
~3:00 PM: My chats with tech founders from Latin America start to catch up.
4:05 PM: SVB calls us. Tells us that our savings will be wired the same day, as requested.”
Customers not quick or lucky enough to transfer their money out had their accounts frozen for all of Friday, and could only hope to access $250K in deposits. This may sound like a lot for a personal account, but for a company with 30 employees on $150K each and monthly AWS costs of $100K, it would barely cover 2 weeks of wages and infra costs.
Garry Tan, CEO of Y Combinator stated how “30% of YC companies exposed through SVB can’t make payroll in the next 30 days.”
Govorice je sprožilo razkritje poslovnega izida za prvo četrtletje, v katerem je banka ustvarila 1,8 milijarde dolarjev izgube s prodajami ameriških državnih obveznic in hipotekarno zavarovanih vrednostnih papirjev (MBS).
ja itak da bi, sej to bi se s SBERBANK zgodlo, če nebi NLB vskočla.
zanimalo me je, kaj je sprožilo dvige.
Paradoks kolapsa Silicon Valley Bank: Kako lahko propade banka z največjo likvidnostjo in najbolj varnimi naložbami?
Najbrž spremljate kolaps Silicon Valley Bank (SVB), banke, katere poslanstvo je financiranje tehnoloških start-upov (zagonskih podjetij). Najbolj fascinantno pri tej zgodbi je paradoks, da je propa…
damijan.org
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