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又一個雷? PACW暴跌後觸發熔斷

5月11日,西太平洋合眾銀行暴跌29%後觸發熔斷,公司此前表示上周存款量下降了9.5%,計劃在第二季度完成戰略資產銷售,以改善流動性狀況。據悉,過去兩個月,美國銀行業危機持續發酵,多家美國的大規模銀行倒閉,在市場掀起軒然大波。
5月11日,西太平洋合眾銀行暴跌29%後觸發熔斷,公司此前表示上周存款量下降了9.5%,計劃在第二季度完成戰略資產銷售,以改善流動性狀況。據悉,過去兩個月,美國銀行業危機持續發酵,多家美國的大規模銀行倒閉,在市場掀起軒然大波。
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    $PacWest Bancorp (PACW.US)$ The deposit balance should be disclosed daily. However, the majority of the over 2 billion USD in outflows from May 4th to May 5th were uninsured deposits. As of May 2nd, there were still 7 billion USD in uninsured deposits, and around May 10th, this figure dropped to 5.2 billion USD, a decrease of 1.8 billion USD. Why were these depositors so panicked? Previously, the bank had 6.6 billion USD in cash and equivalents, which was sufficient to cover the 7 billion USD in uninsured deposits. Even at normal levels of cash and equivalents, over 2 billion USD would have been enough to sustain operations for some time, not to mention that the FEB and FDIC could provide short-term liquidity at any time. Moreover, there were 7 billion USD in available-for-sale financial assets and held-to-maturity assets, along with an additional 2.7 billion USD in loans that management planned to sell, also as part of preparations for raising cash and reducing the balance sheet. It will be important to track the outflow of uninsured deposits going forward. If the third quarter sees the successful liquidation of 2.7 billion USD in loans, as well as parts of the available-for-sale and held-to-maturity investments, there should not be any issues.
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