The Banking Solution in Front of Us
The Dividend Cafe
The Dividend Cafe - The Bahnsen Group
4.9 • 572 Ratings
🗓️ 19 May 2023
⏱️ 22 minutes
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Summary
Today's Post - https://bahnsen.co/458Bjr7
Everybody is aware of the challenges that have surfaced in regional banks this year and the fears that such problems will become more contagious in other banks as well (other regionals, smaller banks, community banks, etc.). I am not sure that the reasons for the challenges are fully understood, and that is partially because, in the immediate aftermath of the Silicon Valley Bank failure, some may have been quick to find a simplistic explanation that confirmed their priors as opposed to the more nuanced and multi-faceted explanations that were probably more accurate and helpful.
Regardless of how the three bank failures of 2023 came to be and how people have thought about or processed those failures since they occurred, there are forward-looking questions that many are asking. The answers to these questions have ramifications for three different categories of economic actors. And those three categories around the future of banks, systemic risk, and general real estate investing in our country (amongst other things) are the subject of today’s Dividend Cafe.
If you aren’t tantalized yet, you will be. Jump on into the Dividend Cafe …
Links mentioned in this episode: TheDCToday.com DividendCafe.com TheBahnsenGroup.com
Transcript
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| 0:00.0 | Welcome to the Dividend Cafe weekly market commentary focused on dividends in your portfolio and dividends in your understanding of economic life. |
| 0:12.5 | Well, hello and welcome to this week's Dividend Cafe recording from our studio in New York City. |
| 0:18.6 | And I'm loving being here in the city and loving the topic of this |
| 0:22.8 | week's Dividing Cafe. We have written in Divin Cafe already this year about what's going on in |
| 0:28.6 | the banking world, the saga, if you will. Most people are aware just from the news cycle, |
| 0:34.4 | if nothing else, there have been three bank failures this year. |
| 0:39.0 | Three is not exactly a huge number, but two of them were two of the biggest of all time |
| 0:44.2 | between Silicon Valley Bank and First Republic. |
| 0:47.3 | And so it's obviously been newsworthy. |
| 0:51.0 | And yet it's sort of opened up various other conversations that have also been covered in |
| 0:55.8 | the Dividendon Cafe about the Fed, about the role of monetary policy and all of this |
| 1:01.4 | and so forth and so on. I believe that this set up, these various preceding events around bank failures, around monetary policy, |
| 1:14.3 | has enabled a little more study and a little more understanding and certainly conversation |
| 1:19.9 | about some of the nature of banking to begin with and has prompted me to write about something |
| 1:26.7 | that I think is very actionable for investors as it |
| 1:30.5 | pertains to the lay of the land we're in. |
| 1:33.1 | And so I'm going to start by talking about where we were and thinking about the banking sector |
| 1:40.1 | 15 years ago. |
| 1:41.8 | Now remember, walk in to the financial crisis, Fannie and Freddie were not banks. |
| 1:50.5 | This was a very different category of financial institution failure. Bear Stearns was an investment |
| 2:00.3 | bank. It did not even have a commercial bank and neither |
| 2:04.2 | did Lehman Brothers. They were classic Wall Street investment banks with a trading arm with a |
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