The Phone Call That Broke Silicon Valley Bank - Company Forensics
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- Опубликовано: 9 июн 2024
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Last weekend was a nightmare for tech founders and executives as the Silicon Valley Bank, where over half of the venture-backed startups keep their money, failed in just 40 hours. In this video, we discuss the events that unfolded from Wednesday at 4:04 PM to Friday at noon, when trading was halted, offices were closed, and the government had to intervene with a takeover.
The panic continued over the weekend as thousands of jobs were on the line, not only from their own payrolls but their providers too. The government's intervention, which is usually less welcomed in the tech sector, was seen as a desperate callout for help. We'll explore whether or not this was the right thing to do and what could have happened if it hadn't.
If you're interested in the tech world and want to know more about the potential consequences of a bank's failure, then this video is for you. Join us as we dive into this crucial topic and discuss its impact on the future of technology.
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Caya
Twitter: / cayahere
LinkedIn: / caya
![PIECE BY PIECE - Official Trailer [HD] - Only In Theaters October 11](http://i.ytimg.com/vi/7Bc6trBc1kc/mqdefault.jpg)
Is there something more counterproductive than saying "don't panic" to keep people from doing exactly that?
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adani, hindenburg , but us.
Lemme Git A C'LOAN`e.
24hr... Gift Card. Predatory Lending by Depositors??? Yep, The OLD News Creates TrainWreckz, NO AVOIDANCE GUIDANCE?
yea, do what my friend's boss did and threaten them IN SLACK for panicking.
“Screw the government; We want deregulation!”
- Bank fails.
“Help us, government!!!”
Guys lets all agree.. this is better than watching half baked news on TV
exactly!
TV news is for retirement homes and waiting rooms. I want my talking heads available on demand. And I want them to disagree with each other sometimes. I want them to disagree with me sometimes.
I love Folding Ideas. He's had a number of in depth well researched well written well produced videos on important topics. Sometimes I disagree with the finer points or his own biases he includes. And I'm a complete transphobe so I think his friendship with numerous degenerates and deviants is pitiable, but I still support his content.
Sorry but everything he said i already heared it from news
@@redbutterfly88 this video came out before news articulated the matter
@@reaganmugisha2848No it didn't. You could find everything he said in the news.
Just want to recognize the insane amount of work that went into this. My hat goes off to everyone behind this production
This was extremely well detailed, well paced, and high quality. Fantastic job by the Slidebean team explaining an ever-evolving situation. This is why I love this channel and what you guys do.
Not gonna lie, I was hesitant on watching this because I’d already watched many vids on SVBs collapse and didn’t want to hear the same somewhat boring story.
I’m glad I did because this was by far the best explanation of the collapse and the circumstances that led to it. There’s a lot of details that even top RUclipsrs didn’t mention.
To be honest I'm only watching cause of this comment
@@kinuthiamatata6040 to be honest I only watched this video because of this comment on the comment on the video
reletable, especially after watching ColdFusion's analysis take on it
Wait this was done in 40 hours? Holy crap.... great work yall
30:32 While the executives have been fired, before they did they cashed out their stock and gave themselves bonuses.
Hey maybe you can talk to me, after all I had good returns in the financial markets for two years in 2021 and 2022
This is one of the best videos I have watched on RUclips recently. The way everything is explained and the quality of the video, it just feels amazing! Keep up the good work team and all the best for your future videos as well!
Your explainer videos are always amazing. And this is one of the best videos on the SVB collapse. well done!!
Top guy and channel
Great video. The only thing I would mention is silcon bank and others successfully lobbied (during trump's presidency) to pass legislation that removed regulations like "mandatory stress tests on banks the size of Silicon Valley Bank" that were created to prevent financial crises like this one. Interestingly enough, the logic used was that the failure of regional or niche banks would not cause systemic economic collapse or significantly impact the larger economy so the government would never need to bail them out. 😂😂😂
Excited to see another SlideBean video on a trending topic 📈
What an amazing job you guys did in summarizing and explaining the issue. Best explanation so far
My employer banked via Silicon Valley Bank and was part of the run on it, though it doesn't look like they were able to get all the money out before the collapse. The vibe from management was weird, a bit of a "holy shit we can't believe this is happening, history in the making" kinda stuff.
Thank you for creating such an educational video about this recent event, personally found it clear, and easy to understand. P.S Loved the nod to Douglas Adams' 'Don't Panic'
Ah! A fellow hitchhiker ✌🏽
- Caya
and the music video and tune by Coldplay.
It is important to note that shares of the bank where sold as well as bonuses where signed the day before the collapse!! End of story. The sf fed was well aware of this and I’m sure made a ton of money!
Caya: How much time do we have left?
clock: 2:09
caya: We are done? Yes! OK!
caya: *smile*
Video-Editors: excuse me?
Video-Editors: *insecure grin*
Rendering Computer: *torured grinning*
This video is incredibly good, like every other video in this channel. Thank you again!! Keep it upp
I saw so many people banking with SBV, and even a few years ago, I got bad vibes from them. So this isn't that surprising to me. I'm glad I got out last year
Lol, "Silicon Bank Valley" is a very fitting name for the region.
Great job on this one!
Amazing journalism 🔥🔥❤️well researched, well narrated..big shout to you guys
Great video! Thank you!
Well done! Thank you Slide Bean team for breaking these concepts down for us
The whole problem is fractional reserve system in itself.
Ive watched a whole number of videos explaining the svb situation. This is the only video that explains the whole pie, and not part of the pie. Kudos to the team for bringing this together so quickly.
What another video I saw also mentioned was about the blame for the goverment. Not about intervening when SVB went down, but well before, when the inflation first started.
It took the us gov long to acknowledge there was an inflation going and denied it, saying "it is transitory". So when the fed eventually had to step in, it had to do so drastically. That meant that newer bonds had such a better revenue, that the old ones lost their value. If the fed stepped in earlier, the revenue differences would be lower, allowing banks to transition slowly to the new bonds without (big) losses. But still, SVB should have acted on the first signs of inflation.
Great explainer; one of the best I've come across. A killer title and thumbnail.
Superb video as always Caya and Team Slidebean! 👏🏼👏🏼👏🏼👏🏾👏🏼👏🏼👏🏼👏🏼👏🏼
How did they go bankrupt? Slowly. Then all at once.
This video took a ton of research. Very well done and explained. Liked, subscribed.
amazing content as always, man .. thumbs up
Thank you for that. Nice to know I feel like I've got the whole picture on the topic.
Keep making these fantastic informative videos guys great work
great job! thanks a lot.
You have made the best explanations I have ever seen. There is one thing that you missed IMO.
In their annual report the bank mentioned on page 87 on the 5th paragraph that they didn't have to report NSFR. This ratio for this bank basically says don't use Corporate Deposits to buy Long Dated Securities. Because Corporate Deposits are not as sticky as Retail Deposits.
NSRF is ratio that is required to report under BASEL III
The video we'll were waiting for
Thank you for this info. Sounds like a problem worth solving.
Greatest explanation ,Thankyou
Absolutley brilliant explainer vid 👍
pretty cool explanation. good vid 👍thanks
Simply a work of art!
This video was so helpful and amazing!!! I am an engineer so don't understand a lot of banking terms etc. so really appreciated this video!!! Thank u!
Background music in your videos are ultimate.
Super good video, impressive!
You guys always put out amazing content; have learnt so much from your channel.
Really good video.
This is actually way better than Johnny Harris’s video
As always, great video! Can I ask what do you guys use for mind maps?
Miro 💛
- Caya
In hindsight, how good of an idea was it to rush this video's production to fit within the same time scale it took the bank to go belly up?
love the splash screen
IMO if a business cannot be allowed to fail, it should not be private. Bankruptcy is an important regulating mechanism in free markets
Hey, thank you for the amazing video, can you also share the diagram you made for the explanation please ?
Ouch that is insane .
I don’t understand why the views are so low on this video
One of the bestest and detailed explanation on topic ,Thankyou,if ever i got to become part of any startup then for pitch deck going to recommend you gùys.
Great job again!
This guy is very good. Content and presentation is excellent.
Love your perspective was waiting for your video
I think the All-In podcast talked about SVB and how if most of their clients are mostly business, the bank should pay more to FDIC for a premium coverage of some sort. The coverage for each account should be like for $1mil to 5 mil at least to cover payroll for the bi-weekly.
such a high-quality content, both educational and entertaining !! congratulations, your videos are amazing and I love the way you use all your cool tools for the visuals, you provide all the details and you explain quite clearly, this is becoming one of my favorite channels in youtube
Why are banks allowed to require exclusivity agreements? It goes against everything for stable banking. It needs to be banned.
Best vid for sure
@Slide_Bean just delete yourself
Wow, excited for this video.
from what I understand about svb it looks like a large amount of the problems was a complete lack of risk management we could argue whether there investments were good or not in a vacuum but they shouldn't have been making investments in a vacuum they knew who there money came from which made the type of investments they had more risky
Very specifically interest rate risk. As Nassim Taleb said, people are way too accustomed to zero interest world that no one remembers what interest rate hikes really entails
Top-tier content 👍🏻
The Dollar is dying while the banks are failing very few will remain most big businesses are cutting employees and raising prices inflation is ridiculous welcome to the great reset where the few will own all and the rest will own nothing
Impressive stop frame -
This is a local bank to me. People got SO MEAN in the bay after this collapse. I had to move but the energy was RANK after this. SO many companies were in a fervor that it actually destroyed a lot of folks' credibility. I also fault local media for the way they covered it.
I'm curious if SVB execs will be held culpable in federal court as well.
I like how you have tried to personalise the collapse of SVB in terms of it being real people who are affected at the end. The thing is that the United States is supposed to be Capitalism central and as a country goes to great lengths to jump on other countries for having too much control of systems and services but when the rich people make a mistake and lose their money the government jumps in and saves them; that isn't capitalism !! All this does as further encourage these people and organisations to care less and less about governance and to continue making the same old mistakes in a different way. How many of the working families who lost their homes after the 2008 crash were saved by the government ?
And the best part is, these Rich Pricks are the first to rail against the government and government regulations and just the government in general.
Good.
We may not be paying this through taxes but we will definitely be paying for this through the increased insurances that the banks will have to pay to the FDIC to make up for this loss. Which means higher interest rates and fees passed onto the customers i.e us.
mae en donde guarda la harina? en el bac o en el bcr?
why is every youtuber using some annoying background music for the SVB video?
Great capture!
No mention of Glass-Steagall?
Great video!! The best explanation of this event that I’ve seen
Don't worry about Johnny Harris posting his video first because this video gave a much bigger picture and what I think is a more robust context around this event.
"Our job is running sompanies, not understanding banks" - yeah, I bet that's what the startup founders who lost their money said :D
I hated the fact the government actually bailed them out, paying out homeless people who lost everything is ridiculous but paying billions upon billions of dollars to huge corporations is somehow ok? Very clearly a case of the lobbying companies having money in SVB and I hate it.
Only rich people had money in SVB tbh
While it is true that no bank can survive a bank run SVB was riddled with issues on the risk taking side. No interest rate hedging at a period of the lowest rates in history. This bailout is a green flag for moral hazard. SVB also strong armed startups to park more money there than they should have. Now maybe SVB could make the argument that they stood in for other banks constrained by onerous regulation and that this a government issue but the bailout is an awful idea. It is also a bailout in all but name.
You are awesome. I can't believe you don't have more followers. Catch you on the phone soon
Banks have mismanaged peoples money. They need to hold a larger percentage of money.
What's the count down for?
What's the song ID at minute 34:00
This is just beautiful!!!
hope your click through rate improves, cause this is actually one of your best thumbnails
Nice
Brilliant
Wtg team
These startups throw away money on things that the world doesn't need, they should not have been bailed out.. The average American is held responsible for their decisions. These idiots should be held to the same standard. This is why we can't have nice things.
Mr Avarice killed it.
A fricking brilliant video. I learned so much I feel like I just got an MBA in 35 minutes.
Why were people queueing up outside SVB instead of just using their phone app or connecting through their computer to move their money out? LoL. Feels like they are rented mobs to make for good photos.
Watching from Bangalore... What an awesome explanation!! Really good job!!
2:16 - This is the type of boss I don't want to work with. You could potentially sacrifice quality and accuracy for nonsense Instagramesc thinking.
40 hours? Nice. For you guys. Not so much for SVB.
7:57 21:24 Is that the clock tower sound effect from Majora's Mask?
Finally someone caught it! Good ear!
- Caya
@@slidebean Every 31st of December I post a clip of "Dawn of The Final Day" with the sound effect to my status
@Slidebean please get rid of the background music. There's no need for it. That's just super annoying.
I couldn't finish the video.
when America catches cold the Whole world sneezes
Privatize profits, socialize failures.
it really look like Sillicon Valley golden age of tech start up and firm is going down vith the fall of SVB,Meta,Netflix, Amazon,Lyft and others
Ok, now that you've learned all this. Go back and watch squid games and look for the metaphors in our financial system. Then ask yourself if your assets are really that safe.
I think the Fed / FDIC did the right thing backstopping the depositors.
Of course the tax payers will pay, it'll just be via higher fees at your bank.