The key rate increase on the value of banks’ securities portfolios. Since a significant portion of the portfolio is held until maturity, and the rates for a significant portion of bonds are floating, the spain telegram data negative market revaluation is insignificant — from June 1 to November 1, it amounted to 300 billion rubles. This is for the banking sector as a whole. It is also important that the growth in yield, especially long-term OFZ, is limited. After the last meeting of the Board of Directors, the yield rate on 10-year OFZ even decreased. This probably indicates expectations that inflation will go down and monetary conditions will soften over the long term.
As for the US, the bankruptcy of large regional
Banks in March of this year was the result of a whole set of factors. First, American banks were too accustomed to a very soft monetary policy. In the United States, there was not just a very low rate, but get started with sms marketing campaigns also a promise to keep it at that level for a long time. At the same time, even the supervisory stress tests there did not include the possibility of raising rates. On the contrary, they assumed a decline in GDP and a softening of the monetary policy to support the economy. In addition, the Basel standard for interest rate risk had not even been implemented in the US.
As a result of the actions of the Fed and supervisory
authorities, as well as insufficiently developed risk management, US america email regional banks were not ready for a rate hike.
