Silicon Valley Bank Crisis

Hello doston, aur swaagat hai aap sab ka aaj ke naye video mein. Aaj ke video main hum kuch aise banks ke baare mein baat karenge jo globally kaafi charche mein hai.

Ji haan, aapne sahi socha – hum Silicon Valley Bank (SVB) aur Signature Bank ke baare mein baat karenge.

Kya hua Silicon Valley Bank aur Signature Bank ke saath aur kyu?

In dono banks ki situation se India par kya asar hoga?

Kya woh recession ki ghadi aa gayi hai jiski charcha kaafi experts kar rahe the?

Aaye jaante hai aaj ki video mein!

Pichle kuch dino main America ke do bade banks – yaani Silicon Valley Bank (SVB) aur Signature Bank ­– ke collapse ne pure market ko hila diya hai.

In dono banks ke doobne ke baad, Indian share bazaar main bhi bloodbath dekhne ko mili – khaas taur se Nifty50 main jo ki Monday ko gir kar 2023 ke lowest level par pahunch gaya.

Jaise hi SVB aur Signature Bank ki problems ki khabarein feli, investors ko yeh bhi laga ki kahin dobara se 2008 level ka financial crisis to nahi aa gaya hai?

Was this the beginning of the stark recession that experts have been warning about?

Situation analyse karne se pehle yeh samajhte hain ki SVB crisis kya hai aur iska overall market impact kya ho sakta hai:

First things first – hum yeh clear kar dete hain ki yahan par koi scam nahi hua hai.

SVB crisis ka main karan hai har dum badhte huay US Fed interest rates.

Let’s see how all the factors played out to cause the latest rout in the US economic landscape.

Basically, SVB Bank U.S. ke interest rate hikes ki wajah se ek liquidity crisis main phans gaya.

SVB U.S. ka 16th largest bank hai aur woh bahot saare PE/VC firms aur startups (jaise ki Paytm aur Shaadi.com) ko fund karti hai.

Badle main yeh saare startups SVB ko apne main bank ki tarah bhi use karte hain – matlab company ke major funds SVB ke current account main deposit rehte hain. 

In fact, SVB ka start-up space main itna dabdaba hai ki almost 50% of US tech start-ups aur life sciences-related companies ke current accounts SVB main hi hai.

SVB ke deposits toh last 1-2 years main bahot tezi se badhe, lekin interest rate hikes ki wajah se there were not enough borrowers.

Matlab, SVB ke loans – jo ki harr bank ki revenue ka ek major source hote hain – kam hote gaye.

Since loans were going down, SVB ne paisa banane ke liye apne deposits ko long-term US bonds main laga diya.

Unfortunately for SVB, US Fed ki inflation-countering rate hikes ne unke saare plans par paani pher diya.

Jaise-jaise America ne interest rates badhaye, bond yields bhi increase hui, aur saath hi main bond prices buri tarah se girna chalu ho gaye.

Matlab – SVB ka sabse bada investment, jo ki bonds main tha, woh ghaate main chala gaya!

In fact, 2020 ke baad SVB ne apne almost 75% funds 30-year or long-term bond instruments main daale huay the.

Iska nateeja yeh hua ki SVB ka unrealised or notional loss in 2022 from HTM or held-to-maturity securities spiraled out of control.

Toh ab SVB kya karta?

Next, unhone apne stock ki sale se funds raise karne ki koshish ki. Lekin, selling pressure aur negative market news se investors panick hue aur VCs started advising companies ki woh jald-se-jald SVB se apne deposits withdraw kar lein.

Ultimately – last Friday tak SVB ka stock price 85% se bhi zyada gir gaya, forcing the US authorities to intervene and place the bank under a receivership.

Ab US ka Central Bank fire-fighting mode main aa gaya hai.

US ne bola hai ki unlike 2008, woh is baar bank ko bail out nahi karenge, lekin yeh zaroor ensure karenge ki SVB ke depositors ka paisa safe aur accessible rahe.

According to Tracxn data, SVB ne lagbhag 21 Indian start-ups main bhi invest kiya hai.

To zaahir hai ki India ka start-up ecosystem bhi thoda ghabraya hua hai.

Lekin India ke IT minister Rajeev Chandrasekhar Ji ne startups ko aashwasan diya hai ki tension lene ki koi baat nahi hai.

Chandrasekhar Ji kehte hai ki US government ne sahi time par bilkul sahi measures liye hain aur SVB ke collapse se pure market par domino effect nahi dekhne ko milega.

Halanki in measures se markets kab aur kitna bounce back karega, yeh abhi nahi kaha jaa sakta. 

Bas aane wale dino mein sab ki nazar India aur US ke inflation data aur US central bank ke interest rate hikes pe rahengi.

Toh isi ke saath hum aaj ka video wrap karte hai. Hume ummeed hai ki is globally trending vishay par aapko kuch seekhne ko mila.

Aapko kya lagta hai – ye banks survive kar payenge ki nahi?

Kya hume ek bada recession dekhne ko milega?

Kya in banks ke saare investors ka paisa safe rahega?

Aur is crisis ke impacts aage chal kar kya India par bhi dekhne ko milega?

Hume comments section mein bataana na bhoolein!

Agar aapko aaj ka video pasand aaya, toh is video ko like zarror karien aur apne parivaar aur doston ke saath bhi share kijiye. Aise hi business aur finance ke videos dekhne ke liye humare channel @IAm_Hedged ko aaj hi subscribe kijiye!

Agar apko trading mein roochi hai, ya agar aapko trade karne ka time nahi milta, toh Hedged App ko Google Play Store se aaj hi download karein! Hum saal bhar aapko free trade suggestions dete rahenge aur trades dhoondne ke jhanjat se aapko bachayenge!

Toh milte hai humare agle video mein! Thank you!