Noticia 1

La Reserva Federal vuelve a

subir las tasas de interés un
0,25% en Estados Unidos

The US Federal Reserve voted unanimously to raise interest rates by 0.25% on

Wednesday. This is the 10th increase the central bank has approved since its battle
against inflation began in March last year.
The move comes amid the current fragility the banking sector is going through due,
in part, to higher interest rates and the collapse of three regional banks. The
quarter-point increase takes the benchmark federal funds rate from a level of 5% to
5.25%, the highest in more than 15 years.
The statement issued by the Fed after their meeting once again emphasized the
central bank's commitment to reduce inflation. It also opened the possibility of
additional rate increases, depending on the evolution of the financial system and
inflation.
That omission leaves open the possibility of an upcoming pause in rate hikes.
The Fed also noted that tighter credit standards are likely to slow the economy,
which could help the central bank meet its inflation target.
"Tighter credit conditions for households and businesses are likely to weigh on
economic activity, hiring and inflation," the statement said.
Noticia 2

First-Citizens Bank compra

oficialmente Silicon Valley
Bank, dice la FDIC
First-Citizens Bank & Trust Company officially purchased Silicon Valley Bridge Bank
and all of its deposits and loans, according to a press release from the Federal
Deposit Insurance Corporation on Sunday.
Starting this Monday, March 27, the 17 former branches of Silicon Valley Bridge
Bank will open as First-Citizens Bank & Trust Company, according to the press
release.
The Silicon Valley Bridge Bank, National Association was created by the FDIC
following the closure of the SVB to "stabilize the institution and market the franchise,"
according to the press release. Depositors of Silicon Valley Bridge Bank, National
Association will automatically become depositors of First-Citizens Bank & Trust
Company. All deposits assumed by First-Citizens Bank & Trust Company will
continue to be FDIC insured up to the limit of the insurance,” the press release
reads.
SVB had about $167 billion in total assets and about $119 billion in total deposits as
of March 10, 2023, according to the statement.
“Today's transaction included the purchase of approximately $72 billion of the assets
of Silicon Valley Bridge Bank, National Association at a discount of $16.5 billion.
Approximately $90 billion in securities and other assets will remain in receivership for
disposal by the FDIC. In addition, the FDIC has received appreciation rights to
common stock of First Citizens BancShares, Inc., Raleigh, North Carolina, with a
potential value of up to $500 million,” the press release reads.
This means that the FDIC and First-Citizens "will share losses and potential
recoveries on loans covered by the loss-sharing agreement."
“The loss-sharing transaction is anticipated to maximize recoveries on assets by
keeping them in the private sector. The transaction is also expected to minimize
disruption to loan clients. In addition, First-Citizens Bank & Trust Company will
assume all Qualified Finance Agreements related to the loans," the press release
reads.
Conceptos:

Depositos: A fixed-term deposit or certificate of fixed-term deposit is a financial

operation whereby a financial institution, in exchange for the maintenance of certain
fixed monetary resources in a given period, reports a fixed or variable financial
return, in the form of money or in kind.

Prestamos: A loan is a sum of money that an entity or person gives to another in

exchange for a certain price, which is commonly established through the payment of
initial capital plus interest (i.e., the initial amount borrowed plus what you are
charged for lending), distributed over a given period of time.

Regulacion bancaria: Banking regulation is a form of government regulation that

subjects banks to certain requirements, restrictions and guidelines.

https://es.wikipedia.org/wiki/Depósito_a_plazo_fijo

https://www.argentina.gob.ar/economia/inclusion-financiera/prestamo-o-credito/difere
ncias-entre-obtener-un-prestamo-y-pedir-un#:~:text=Un%20préstamo%20es%20una
%20suma,un%20período%20de%20tiempo%20determinado.

https://es.wikipedia.org/wiki/Regulación_bancaria