The Enterprise’s Post

Today's H.4.1 report unveiled an increase of approximately $4 billion in the Federal Reserve's secondary credit discount window. Banks utilizing this facility have a maximum of 60 days to repay, and there's a possibility that some may default soon. It's crucial that we closely monitor this situation. With BTFP (Bank Term Funding Program) repayments ongoing, nearly $35 billion has been repaid in just two weeks. This indicates that liquidity is rapidly diminishing. #Finance #FederalReserve #LiquidityCrisis #BTFP #EconomicIndicators

BTFP loans marked collateral at par value (book value). When BTFP ends on Mar 11 banks must use the Discount Window at market value. Any bank with crappy assets (Treasuries, MBS, etc) will no longer have access to liquidity. They want bank failures & consolidation of the system.

 Securitisation volume rose to ~Rs 45,000 crore in the first quarter of the current fiscal, marking a ~17% on-year, like-to-like growth. Over 95 originators, including NBFCs and banks, tapped the market to diversify funding sources, compared with ~80 last fiscal. What impact do higher risk weights on bank credit exposure to NBFCs have on resource profile of NBFCs? Explore more in the latest #CRISILPerspective: https://lnkd.in/dtnT5zJV #Securitization #ResourceDiversification #FinancialTrends

Quick market update video post Fed Rate cut. Our DSCR Loan Program is on fire!! 🔥 Could our 30-year rates actually be lower than the banks? 💪 DM me today if you would like to learn more about any of our investment property loan programs. #DSCR

Growth in bank credit to NBFCs declines to 6.4%⬇️ The slowdown in banks' credit growth to NBFCs, now at 6.4%, reflects a cautious approach amidst rising interest rates and tightening liquidity. While NBFCs remain critical in bridging financial gaps across underserved markets, this decline could signal a need for strategic recalibration in funding models. It's imperative for banks and NBFCs to explore innovative partnerships and alternative capital sources to sustain growth and enhance credit flow 🔍

Bank Term Funding Program (BTFP) is being terminated by the US FED So what exactly is BTFP, let's talk about it in this post. The Federal Reserve launched the Bank Term Funding Program (BTFP) in March 2023 as an emergency lending initiative aimed at supplying urgent liquidity to U.S. depository institutions. This proactive measure was prompted by the significant bank failures of Signature Bank and Silicon Valley Bank, marking the most substantial collapses since the 2008 financial crisis. Under the Bank Term Funding Program (BTFP), eligible depository institutions, including banks, savings associations, and credit unions, can access loans with a maximum duration of one year. These loans are backed by various collaterals like U.S. Treasuries, U.S. agency securities, and U.S. agency mortgage-backed securities and these assets will be valued at par. As you can see from this table that I saw in a post recently, the biggest amount of BTFP loans is expected to be repaid in the next 4 weeks: - $11.9bn this week - $41.7bn next week - $10.7bn in 3 weeks - $14.6bn in 4 weeks The US Banks had increased their dependency a lot on the BTFP as we can see from the chart below. #finance #gyan #us #fed #BTFP #federalreserve #liquidity #financialstability #banking #mbs #fimancialpolicy #monetarypolicy #economicrecovery #bankingindustry #FederalReserveProgram #FinancialSecurity #EconomicStimulus #FinancialServices #creditunion #SavingsAssociation

Ever wondered why banks continue to lend, even as NPAs grow? 🤔 Is there a deeper system at play? Break free from the cycle with our loan settlement solutions and secure your financial future. Let’s talk about real solutions! #DebtFreeSolutions #FinancialFreedom #BreakTheCycle #HDFC #SBI

📣 Read our latest blog post on bank recovery: https://lnkd.in/gyfu5WiZ 📣 ➡ Full paper available (with some updates) here: https://lnkd.in/d-xFFjte 🛑 After the 2023 turmoil, the policy debate is largely revolving around proposals to increase capital requirements or to extend deposit insurance, perpetuating a debate as old as banking regulation. 💡 We contend that, even though this debate remains relevant, it misses the crucial point: once a bank's distress starts we are powerless and at the mercy of runs. 🛠️ We are trying to think creatively and propose a brand-new recovery procedure for solvent but undercapitalized banks. Much more work on this is needed, but I’d say this is a good starting point! Thanks to The CLS Blue Sky Blog for hosting us!

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𝐓𝐫𝐮𝐬𝐭𝐁𝐚𝐧𝐜 𝐃𝐚𝐢𝐥𝐲 𝐌𝐚𝐫𝐤𝐞𝐭 𝐑𝐨𝐮𝐧𝐝𝐮𝐩, 𝟏𝟒𝐭𝐡 𝐌𝐚𝐫𝐜𝐡 𝟐𝟎𝟐𝟒. 𝐌𝐨𝐧𝐞𝐲 𝐌𝐚𝐫𝐤𝐞𝐭: The deficit in the financial system improved by 67% to close with a negative balance of ₦675.98bn, reflecting the impact of matured March 2024 FGN Bond worth ₦770.90bn, credited into the system today. As a result, the pressure on the CBN short-term lending window eased to ₦1.97trn (Yesterday; ₦2.29trn), while funding rates compressed by over 135bps to clear at 30.00% and 31.08%, respectively. We expect the activities of DMBs at the SLF window to define the depth of liquidity in the system and the direction of rates in the near term. 𝐅𝐨𝐫 𝐦𝐨𝐫𝐞 𝐢𝐧𝐬𝐢𝐠𝐡𝐭𝐬, 𝐝𝐨𝐰𝐧𝐥𝐨𝐚𝐝 𝐜𝐨𝐦𝐩𝐥𝐞𝐭𝐞 𝐫𝐞𝐩𝐨𝐫𝐭 𝐛𝐞𝐥𝐨𝐰. #banking / #investment / #brokerage / #wealthmanagement