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The Current Banking Crisis – 10 Not So Apparent Lessons

South State Correspondent

Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. Previously, if banks were able to borrow against these securities, it would be at 98% of the market value or less, depending on the investment type.

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Food for Thought: A Policy on Credit Exceptions

Abrigo

As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked. and property tax payments. Get details in "A guide to implementing credit policy." There probably should be no more than 3-5 exception types in each of those major categories.

Policies 195