2025.. هل العالم على موعد مع أزمة مالية جديدة؟
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00:00 In March 2023, the world woke up to the collapse of several American banks.
00:06 Signature Bank was one of the first bankrupt banks.
00:10 NYCB took over this bank.
00:13 After several operations of taking over, we have seen it.
00:16 Market insurance and water return to its sources.
00:19 NYCB was seen as the hero who survived this crisis.
00:23 But last week, it reported losses due to commercial loans in America.
00:29 The fear of the future is back.
00:32 Will the savior become a victim?
00:35 Last week, NYCB reported 185 million dollars in losses due to two real estate loans.
00:42 These losses exceeded expectations.
00:44 It raised the allocation amount to more than 500 million dollars to cover the possible losses of the loans.
00:51 This number exceeded the expectations of analysts ten times.
00:55 But to ensure the continuation of the loans, the bank still provides 5.5% of the deposit as interest.
01:05 While other banks have adjusted their rates to interest.
01:09 They also reduced the distribution of profits from 17 cents to 5 cents.
01:13 To accelerate the construction of capital to support the public budget.
01:17 There are 83 billion dollars in total losses, which amount to 250 million dollars.
01:24 It also reported that 72% of the deposits are secured.
01:29 Moody's, after reporting losses in commercial real estate loans,
01:34 reduced the valuation of the NYCB bank to less than the investment level.
01:39 Citibank also reduced the target share price to 7 dollars out of 11 dollars.
01:45 But today, a decision was made by the shareholders to raise a judicial claim against the bank to increase the amount.
01:53 But the bank also changed the head of the board after Moody's, reducing the investment level.
02:01 But did the signature bank's claim against NYCB bank be resolved?
02:05 Signature Bank was the 19th largest bank in the United States.
02:10 With assets worth more than 110 billion dollars and 88 billion deposits.
02:15 NYCB acquired some of the assets of Signature Bank worth 38 billion dollars and acquired 34 billion dollars of deposits.
02:23 On March 12, Signature Bank went bankrupt.
02:26 Then NYCB acquired Signature Bank.
02:30 But the bank doubled its size as a result of this acquisition in the past 15 months.
02:37 But because of reporting losses in commercial real estate loans,
02:41 all these gains were erased when the share price was reduced to the lowest level in 20 years.
02:47 The share price also lost 55% of its value over the past 12 months.
02:52 The size of commercial real estate loans in the United States is 2.7 trillion dollars.
02:58 560 billion dollars are worth in 2025.
03:03 Will banks be able to meet their commitments?
03:06 Or are we on a date with a new financial crisis?
03:09 [BLANK_AUDIO]