Quais são os três bancos grandes demais para falir?
Empresas consideradas grandes demais para falir
Classificação | Nome do banco | Holding |
---|---|---|
1 | Banco Chase | JPMorgan Chase & Co. |
2 | Banco da América | Corporação do Banco da América |
3 | Citibank | Grupo Citi |
4 | Banco Wells Fargo | Wells Fargo & Companhia |
Os colapsos do Silicon Valley Bank e do Signature Bank em março de 2023 – então a segunda e terceira maiores falências bancárias da história dos EUA – apanharam os consumidores de surpresa. Posteriormente, mais três bancos faliram em 2023:First Republic Bank em maio, Heartland Tri-State Bank em julho e Citizens Bank of Sac City em novembro.
Este filme, "Too Big To Fail", usa todas as pessoas reais envolvidas e provavelmente todos os diálogos reais que os cineastas conseguiram desenterrar. O resultado é ummuito realista, um retrato muito assustador de como as instituições financeiras podem fazer ou destruir a nossa economia e as nossas vidas.
Banco | Classificação do consultor da Forbes | Saiba mais CTA abaixo do texto |
---|---|---|
Banco Chase | 5,0 | Leia nossa análise completa |
Banco da América | 4.2 | |
Banco Wells Fargo | 4,0 | Leia nossa análise completa |
Citi® | 4,0 |
- Wells Fargo. Classificação de avaliação do cliente BBB: 1,06/5. ...
- Crédito Um. Classificação de avaliação do cliente BBB: 1,11/5. ...
- Banco da América. Classificação de avaliação do cliente BBB: 1,06/5. ...
- Banco Chase. Classificação de avaliação do cliente BBB: 1,1 / 5. ...
- Banco dos EUA. Classificação de avaliação do cliente BBB: 1,1/5.
- Banco da Primeira República (FRC) . Risco de liquidez acima da média e alto risco de capital.
- Huntington Bancshares (HBAN). Risco de capital acima da média.
- KeyCorp (CHAVE) . Risco de capital acima da média.
- Comerica (CMA). ...
- Truist Financeiro (TFC) . ...
- Cullen/Frost Bankers (CFR). ...
- Zions Bancorporation (ZION) .
Três bancos nos EUA (Silicon Valley Bank, Signature Bank e Silvergate) faliram desde o início de março. Os colapsos do Silicon Valley Bank e do Signature Bank são as duas maiores falências bancárias desde 2008.
Nome do banco | Cidade | Data de encerramento |
---|---|---|
Banco Tri-Estadual Heartland | Elkhart | 28 de julho de 2023 |
Banco Primeira República | São Francisco | 1º de maio de 2023 |
Banco de Assinaturas | Nova Iorque | 12 de março de 2023 |
Banco do Vale do Silício | Santa Clara | 10 de março de 2023 |
Dois bancos regionais dos EUA,Silicon Valley Bank (SVB), com sede na Califórnia, e Signature Bank, de Nova York, entraram em colapso sob o peso de pesadas perdas nas suas carteiras de obrigações e de uma enorme corrida aos depósitos.
Os bancos correm o risco de falir?
Existe um risco sistêmico de falências bancárias em grande escala nos EUA em 2024devido a baixas e depreciações provenientes do setor imobiliário comercial. Os reguladores bancários têm manifestado a sua preocupação de que os bancos demasiado grandes e falidos teriam capital suficiente para cobrir perdas e uma recessão.
Anos | Falhas Bancárias | Ativos totais (milhões) |
---|---|---|
2024 | 0 | US$ 0 |
2023 | 5 | US$ 548.705,0 |
2022 | 0 | US$ 0 |
2021 | 0 | US$ 0 |
Um dos primeiros exemplos de banco resgatado por ser "grande demais para falir" foi o Continental Illinois National Bank and Trust Company durante a década de 1980..
Este problema grande demais para falhar (TBTF)distorce a forma como os mercados avaliam os títulos emitidos por empresas TBTF, encorajando-as a tomar demasiados empréstimos e a assumir demasiados riscos. O TBTF também incentiva o crescimento das empresas financeiras, levando à desigualdade competitiva e à potencial má alocação de crédito.
A política de ser demasiado grande para falir surgiu em parte das pressões criadas pelafalta de acordos de falência satisfatórios para os bancos. Evitou que as forças de mercado fechassem os bancos e protegeu todos os depositantes não segurados dos grandes bancos contra perdas em caso de falência.
- Banco privado JP Morgan. “J.P. O Morgan Private Bank é conhecido por seus serviços de investimento, o que o torna uma ótima opção para quem tem status milionário”, disse Kullberg. ...
- Banco Privado do Bank of America. ...
- Citi Private Bank. ...
- Chase Cliente Privado.
Banco | A classificação da subida |
---|---|
Banco da Aliança Ocidental | 4,25 |
SoFi | 4h00 |
Wells Fargo | 4h00 |
Banco Axos | 3,50 |
Classificação | Banco | Ativos totais |
---|---|---|
1 | JPMorgan Chase | US$ 3,3 trilhões |
2 | Banco da América | US$ 2,4 trilhões |
3 | Wells Fargo | US$ 1,7 trilhão |
4 | Citibank | US$ 1,6 trilhão |
CLASSIFICAÇÃO | NOME DO BANCO | ATIVOS TOTAIS |
---|---|---|
1 | JPMorgan Chase | US$ 3,39 trilhões |
2 | Banco da América | US$ 2,47 trilhões |
3 | Wells Fargo | US$ 1,70 trilhão |
4 | Grupo Citi | US$ 1,66 trilhão |
Empresa | Classificação do consultor da Forbes | Rede ATM |
---|---|---|
Banco Discover® | 4.6 | 60.000+ |
Banco Quôntico | 4.4 | Mais de 90.000 |
Capital Um 360 | 4.3 | Mais de 70.000 caixas eletrônicos Capital One, MoneyPass e Allpoint gratuitos |
Banco Axos | 4.3 | 91.000+ |
Qual é o melhor banco da América?
- Ally Bank: Melhor para o melhor banco geral.
- Schwab Bank: Melhor para acesso a caixas eletrônicos.
- Chase: Melhor para bônus de inscrição e acesso à agência (separadamente)
- UFB Direct: Melhor para economizar.
- SoFi Bank, NA: Melhor para verificação.
Qual é o banco número 1 da América?JPMorgan Chaseé o banco número um na América em termos de ativos totais detidos, de acordo com o Federal Reserve.
- Bulgária.
- Burkina Faso.
- Camarões.
- Croácia.
- República Popular Democrática da Coreia (RPDC)*
- República Democrática do Congo.
- Haiti.
- Irã*
Recentemente, um relatório publicado na Rede de Investigação em Ciências Sociais concluiu que 186 bancos nos Estados Unidos estão em risco de falência ou colapso devido ao aumento das taxas de juro e a uma elevada proporção de depósitos não segurados.
Nome do bancoBanco | CidadeCidade | Data de FechamentoFechamento |
---|---|---|
Banco do Vale do Silício | Santa Clara | 10 de março de 2023 |
Pelo menos Banco do Estado | Pelo menos | 23 de outubro de 2020 |
Primeiro Banco Municipal da Flórida | Praia de Fort Walton | 16 de outubro de 2020 |
O Primeiro Banco Estadual | Barboursville | 3 de abril de 2020 |
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