We are in the midst of a Major League Silent Bank Run on Bank Deposits as money flows to Money Market funds – more bank failures likely in 2024

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Many banks are kept afloat by borrowing from a special short term rescue fund at the Fed. To date over $ 100 billion has been borrowed to keep the banks solvent. The banks are sitting on a keg of financial dynamite with over $ 650 billion in unrealized losses on Treasury securities in addition to dealing with their silent bank run problem. The Banks are having a bunch of massive problems related to their lending business as well.

Fed’s Bank Bailout Fund Explodes To Record High As Massive Money-Market Fund Inflows Continue

THURSDAY, DEC 07, 2023

Money-market funds saw another large ($61.5BN) inflow last week. That is the sixth straight week of inflows, adding $290BN in that time to a new record high of $5.9TN…

Source: Bloomberg

In a breakdown for the week to Dec. 6, government funds – which invest primarily in securities like Treasury bills, repurchase agreements and agency debt – saw assets rise to $4.829TN, a $56.1BN increase.

Prime funds, which tend to invest in higher-risk assets such as commercial paper, meanwhile, saw assets climb to $946BN, a $6.1BN increase

Institutional funds saw the bulk of the inflows once again (+$43BN) while the unbroken trend of inflow into Retail funds continues (+$18.5BN)…

 

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We’ve had more bank failures this year than in the banking crisis in 2008. And the banks are hanging on by using a Fed lifeline….