{"id":204272,"date":"2024-04-01T11:00:00","date_gmt":"2024-04-01T15:00:00","guid":{"rendered":"https:\/\/ibkrcampus.com\/?p=204272"},"modified":"2024-04-02T12:26:44","modified_gmt":"2024-04-02T16:26:44","slug":"the-state-of-the-us-banking-system-a-year-after-svb","status":"publish","type":"post","link":"https:\/\/www.interactivebrokers.com\/campus\/podcasts\/contributor-podcasts\/the-state-of-the-us-banking-system-a-year-after-svb\/","title":{"rendered":"The state of the US banking system a year after SVB"},"content":{"rendered":"\n<p>It\u2019s been a year since the collapse of Silicon Valley Bank (SVB), and concerns about US regional banks linger. But March 2024 isn\u2019t the same as March 2023 says Justin Livengood, a Senior Portfolio Manager and Senior Research Analyst covering financial services, health care, and real estate. Justin recently returned to the Greater Possibilities podcast to talk about more recent concerns about US regional banks and important differences between the situation now and one year ago.<\/p>\n\n\n\n<p>Among the highlights:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>At the time of the failures of First Republic, Silicon Valley Bank, and Signature Bank in 2023, there were some very anxious days and weeks. Today, while there are some incremental concerns to consider, Justin doesn\u2019t feel it&#8217;s nearly as much of a dangerous situation as it was last March.<\/li>\n\n\n\n<li>Justin doesn\u2019t believe there are any hidden issues lurking in the banks. He says it&#8217;s fairly well known what regional banks own at this point and what their exposures are, and stress testing forces banks to consider what is going to happen to their loans and their assets in different economic scenarios. He says the industry is well-capitalized in general.<\/li>\n\n\n\n<li>However, the process of banks getting properly capitalized building reserves has slowed the pace of new loans. This has paved the way for private credit providers to fill the gap, which Justin says is a durable trend.<\/li>\n<\/ul>\n\n\n\n<p>Listen to the full interview:<\/p>\n\n\n\n<p><strong>The state of the US banking system a year after SVB<\/strong><\/p>\n\n\n\n<p>A year after the collapse of Silicon Valley Bank (SVB), Justin Livengood returns to the podcast to talk about more recent concerns about US regional banks and important differences between the situation now and one year ago.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.invesco.com\/us\/en\/insights\/us-banking-year-silicon-valley-bank.html?utm_campaign=thirdparty&amp;utm_source=ibrokers&amp;utm_medium=referralference\">Click here to listen<\/a><\/p>\n\n\n\n<p>&#8212; <\/p>\n\n\n\n<p>Originally Posted on March 22, 2024<\/p>\n\n\n\n<p><a href=\"https:\/\/www.invesco.com\/us\/en\/insights\/us-banking-year-silicon-valley-bank.html?utm_campaign=thirdparty&amp;utm_source=ibrokers&amp;utm_medium=referralference\">The state of the US banking system a year after SVB<\/a> by Invesco US<\/p>\n\n\n\n<p><strong>Important information<\/strong><\/p>\n\n\n\n<p>NA3454958<\/p>\n\n\n\n<p>Investors should consult a financial professional before making any investment decisions. This does not constitute a recommendation of any investment strategy or product for a particular investor. Investors should consult a financial professional before making any investment decisions.<\/p>\n\n\n\n<p>All investing involves risk, including the risk of loss.<\/p>\n\n\n\n<p>Past performance does not guarantee future results.<\/p>\n\n\n\n<p>Investments cannot be made directly in an index.<\/p>\n\n\n\n<p>In general, stock values fluctuate, sometimes widely, in response to activities specific to the company as well as general market, economic and political conditions.<\/p>\n\n\n\n<p>The profitability of businesses in the financial services sector depends on the availability and cost of money and may fluctuate significantly in response to changes in government regulation, interest rates and general economic conditions. These businesses often operate with substantial financial leverage.<\/p>\n\n\n\n<p>The opinions referenced above are those of the author as of&nbsp;<strong>March 18, 2024.<\/strong>&nbsp;These comments should not be construed as recommendations, but as an illustration of broader themes. Forward-looking statements are not guarantees of future results. They involve risks, uncertainties and assumptions; there can be no assurance that actual results will not differ materially from expectations.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s been a year since the collapse of Silicon Valley Bank (SVB), and concerns about US regional banks linger.<\/p>\n","protected":false},"author":177,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[455,13857,3],"tags":[6986,16915,16914],"contributors-categories":[13606],"class_list":{"0":"post-204272","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-contributor-podcasts","7":"category-podcasts","8":"category-traders-insight","9":"tag-banking","10":"tag-svb","11":"tag-us-banking","12":"contributors-categories-invesco-us"},"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The state of the US banking system a year after SVB<\/title>\n<meta name=\"description\" content=\"It\u2019s been a year since the collapse of Silicon Valley Bank (SVB), and concerns about US regional banks linger.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.interactivebrokers.com\/campus\/wp-json\/wp\/v2\/posts\/204272\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The state of the US banking system a year after SVB | IBKR Campus US\" \/>\n<meta property=\"og:description\" content=\"It\u2019s been a year since the collapse of Silicon Valley Bank (SVB), and concerns about US regional banks linger.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.interactivebrokers.com\/campus\/podcasts\/contributor-podcasts\/the-state-of-the-us-banking-system-a-year-after-svb\/\" \/>\n<meta property=\"og:site_name\" content=\"IBKR Campus US\" \/>\n<meta property=\"article:published_time\" 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