Rabia Nelson MBA’s Post

https://lnkd.in/gz2eQ-TK The closure of Republic First Bank, as reported by CBS News, underscores the fragility of regional banking institutions in the face of macroeconomic headwinds. The bank’s failure, attributed to rising interest rates and the subsequent devaluation of commercial real estate, particularly office buildings, reflects a post-pandemic recalibration of asset values. This event marks the first FDIC-insured bank collapse of 2024, a cautionary tale of the systemic risks that still lurk within the financial sector1. It also highlights the critical role of the FDIC in maintaining public confidence in the banking system, as evidenced by the seamless transition of assets and deposits to Fulton Bank, ensuring the protection of depositors. This incident serves as a stark reminder of the interconnectedness of economic policies and the real estate market, and the importance of prudent risk management in banking operations.

Interesting read in the November/December 2023 issue of #Euromoney which I just came across. Finally, after more than fifteen years of largely unilateral banking regulation, regulators (at least some) start to (somehow) acknowledge the fact that their efforts might have incentivised the shift of traditional banking business (for which banks are well regulated) into less or even un-regulated areas of the financial system and continue to do so. And that this might have unintended and unwanted systemic consequences - and might put financial stability at risk. And that therefore more attention to non-bank risks is merited. Big surprise. Better late than never. #Regulation #banks #nonbanks #Basel #BaselIII

🚨 Lessons from the recent U.S. Bank Failure 🚨 The recent collapse of Republic Fist Bank serves as a critical reminder of the vital importance of robust financial and risk management practices in the banking sector. This event underscores the necessity for banks to rigorously assess their financial health and operational strategies continually. https://lnkd.in/em9Bhh53 🔍 Key Takeaway: Effective risk management is not just a regulatory requirement but a cornerstone of sustainable banking. As industry professionals, we must advocate for and implement comprehensive risk assessment mechanisms to safeguard against potential vulnerabilities and ensure financial stability. Let's prioritize strategic risk management to prevent such failures in the future and maintain trust in our financial systems. #Banking #RiskManagement #FinancialStability #BankFailure

Fitch Ratings has revised the Philippine banking sector outlook to improving from neutral as we expect banks to be able to preserve their record-high net interest margins (NIM) for longer due to a delay in policy rate cuts. Learn more: https://ow.ly/pUi950SgGOj Visit our website for more APAC insights: https://ow.ly/8GB650SgGN2 #asiapacific #philippines #banks #interestrates #outlook

A precocious Canadian 12-year old explains in about 5mins how the current fiat #money + fractional reserve #banking + #debt + interest/#riba system is abused together with the help of politicians increase #inequality and impoverish citizens. (over 1mm hits). If you are going to accept the #fiat system let the private banks borrow from the central bank and pay interest to the government Vs the other way around. If you are happy to create money from nothing and create inflation... just invest it in infrastructure or assets - not consumption.

First Domino to Fall? Republic First Bank Closure: Should You Be Worried? Expert Banker(s) Opinion Required The news hit hard this week: Republic First Bank became the first US bank failure of 2024. While the FDIC protected depositors, this event raises a crucial question: Is this an isolated incident or a canary in the coal mine for regional banks? Don't hit the snooze button! Share your thoughts in the comments: Is this a one-off, or a sign of things to come? #BankingIndustry #RegionalBanks #RepublicFirstBank #UnitedStates #BankClosure

More good reason why centralised power doesn't really work, look at our communities; Throw a proper national public bank into the mix and problem solved! – the public would get what they expect and deserve which is service, fair treatment and accountability. And even the private banks which have created these problems can just keep closing branches, eliminating cash and doing what they're doing.

🚨 Exciting Developments in UK Banking! 🚨 The Bank of England is advancing with revised rules on the capital reserves UK banks must maintain to handle future crises. This move aims to strengthen financial stability while balancing global commercial interests. In a recent speech, the central bank's regulatory arm announced "substantial amendments" to the proposed Basel bank capital reforms. These changes come in response to feedback highlighting excessive conservatism and implementation challenges. This proactive approach reflects the Bank of England's commitment to a resilient banking system without stifling growth. 🌍💼 #Banking #Finance #UKEconomy #Regulations #BaselReforms #FinancialStability #BankofEngland

🚨 Exciting Developments in UK Banking! 🚨 The Bank of England is advancing with revised rules on the capital reserves UK banks must maintain to handle future crises. This move aims to strengthen financial stability while balancing global commercial interests. In a recent speech, the central bank's regulatory arm announced "substantial amendments" to the proposed Basel bank capital reforms. These changes come in response to feedback highlighting excessive conservatism and implementation challenges. This proactive approach reflects the Bank of England's commitment to a resilient banking system without stifling growth. 🌍💼 #Banking #Finance #UKEconomy #Regulations #BaselReforms #FinancialStability #BankofEngland

UK PRA Strong and Simple framework: Policy statement on Phase 1 of 'simpler regime' work ...: ... challenger banks but goes on to make further recommendations in this area. ... By way of recap….the PRA proposed to create a new category of bank ...