Re:Ask HN: What US bank post-SVB would you recommend?
by anovikov on Sunday March 12, 2023 @09:07AM
(#35119627)
Why not? I am 100% missing something here, but how someone trying to deposit money into the banks may increase risks? Unless there's a reason to believe the money is stolen or otherwise could be reclaimed, which shouldn't be the case if it's coming from a major SV fund?
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Re:Ask HN: What US bank post-SVB would you recommend?
by bradleyjg on Sunday March 12, 2023 @09:17AM
(#35119717)
A deposit creates a liability for the bank. It also creates an asset that can be used to generate a return. It also creates various operational costs.
The way those three things play out the more likely it is for a depositor to suddenly ask for a lot or all his money back the more risky it is for the bank. Both in terms of creating a bank run and just in terms of losing money on the relationship.