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  • 美國聯邦存保公司(FDIC)已經接受摩根大通銀行投標,將承接所有存款,包括未投保存款保險的存款,以及第一共和銀行大部分資產
  • FDIC公告表示,第一共和銀行位於8個州的84家分行將重新開放,成為摩根大通銀行的分支機構
  • 截至2023年4月13日,第一共和銀行總資產約為2,291億美元,總存款約為1,039億美元。依資產規模排序,這是美國史上第2大銀行倒閉案

加州金融保護與創新局(DFPI)於5月1日公告,DFPI指定美國聯邦存款保險公司(FDIC)作為第一共和銀行(First Republic Bank)接管人。FDIC已經接受摩根大通銀行(JPMorgan Chase Bank/小摩)的投標,將承接所有存款,包括未投保存款保險的存款,以及第一共和銀行大部分資產。摩根大通銀行向FDIC支付106億美元,用來收購第一共和銀行多數資產。摩根大通銀行將承擔第一共和銀行920億美元的全部存款,包括未保險的存款,並買下包括1,730億美元的貸款,以及300億美元的證券等部分資產。預估FDIC支付的成本約為130億美元。

第一共和銀行成立於1985年,總部位於舊金山。截至2023年4月13日,該銀行總資產約為2,291億美元,總存款約為1,039億美元。依照資產規模排序,這是美國史上第二大銀行倒閉案,僅次於2008年倒閉的華盛頓互惠銀行(Washington Mutual),另外2家倒閉的銀行分別是2023年3月倒閉的矽谷銀行(SVB)與標誌銀行(Signature Bank)。此前,華盛頓互惠銀行倒閉時,也由摩根大通銀行接手。

美國聯邦存款保險公司(FDIC)公告表示,第一共和銀行位於8個州的84家分行將重新開放,成為摩根大通銀行的分支機構。第一共和銀行所有存款人將會成為摩根大通銀行的存款人,並且可以完全使用其存款。存款仍由FDIC保險,客戶不需要改變銀行關係來維持存款保險的覆蓋範圍。

圖資來源:BBC

California Financial Regulator Takes Possession of First Republic Bank (May 1, 2023)

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SAN FRANCISCO – The California Department of Financial Protection and Innovation (DFPI) announced today that regulators havetaken possession of First Republic Bank.

The DFPI appointed the Federal Deposit Insurance Corporation (FDIC) as receiver of First Republic Bank. The FDIC has accepted a bid from JPMorgan Chase Bank, National Association, Columbus, Ohio, to assume all deposits, including all uninsured deposits, and substantially all assets of First Republic Bank.

The DFPI took action pursuant to California Financial Code section 592, subdivisions (b) and (c), specifically “conducting its business in an unsafe or unsound manner” and being in a “condition that … is unsafe or unsound” to transact banking business. 

As of April 13, 2023, First Republic Bank, based in San Francisco, had total assets of approximately $229.1 billion and total deposits of approximately $103.9 billion. Its deposits are federally insured by the FDIC subject to applicable limits. 

For information about FDIC coverage limits and requirements, visit www.fdic.gov or call toll-free 1-877-ASK-FDIC. 

About DFPI

The Department of Financial Protection and Innovation protects consumers, regulates financial services, and fosters responsible innovation. DFPI protects consumers by establishing and enforcing financial regulations that promote transparency and accountability. We empower all Californians to access a fair and equitable financial marketplace through education and preventing potential risks, fraud, and abuse. Learn more at dfpi.ca.gov.

JPMorgan Chase Bank, National Association, Columbus, Ohio Assumes All the Deposits of First Republic Bank, San Francisco, California (May 1, 2023)

WASHINGTON — First Republic Bank, San Francisco, California, was closed today by the California Department of Financial Protection and Innovation, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver.  To protect depositors, the FDIC is entering into a purchase and assumption agreement with JPMorgan Chase Bank, National Association, Columbus, Ohio, to assume all of the deposits and substantially all of the assets of First Republic Bank.

JPMorgan Chase Bank, National Association submitted a bid for all of First Republic Bank’s deposits.  As part of the transaction, First Republic Bank’s 84 offices in eight states will reopen as branches of JPMorgan Chase Bank, National Association, today during normal business hours.  All depositors of First Republic Bank will become depositors of JPMorgan Chase Bank, National Association, and will have full access to all of their deposits.

Deposits will continue to be insured by the FDIC, and customers do not need to change their banking relationship in order to retain their deposit insurance coverage up to applicable limits.  Customers of First Republic Bank should continue to use their existing branch until they receive notice from JPMorgan Chase Bank, National Association, that it has completed systems changes to allow other JPMorgan Chase Bank, National Association, branches to process their accounts as well.

As of April 13, 2023, First Republic Bank had approximately $229.1 billion in total assets and $103.9 billion in total deposits.  In addition to assuming all of the deposits, JPMorgan Chase Bank, National Association, agreed to purchase substantially all of First Republic Bank’s assets.

The FDIC and JPMorgan Chase Bank, National Association, are also entering into a loss-share transaction on single family, residential and commercial loans it purchased of the former First Republic Bank.  The FDIC as receiver and JPMorgan Chase Bank, National Association, will share in the losses and potential recoveries on the loans covered by the loss–share agreement.  The loss–share transaction is projected to maximize recoveries on the assets by keeping them in the private sector.  The transaction is also expected to minimize disruptions for loan customers.  In addition, JPMorgan Chase Bank, National Association, will assume all Qualified Financial Contracts.

The resolution of First Republic Bank involved a highly competitive bidding process and resulted in a transaction consistent with the least-cost requirements of the Federal Deposit Insurance Act.

The FDIC estimates that the cost to the Deposit Insurance Fund will be about $13 billion. This is an estimate and the final cost will be determined when the FDIC terminates the receivership.

摩根大通接手第一共和銀 (2023/05/02)

資料來源: 經濟日報