About: Bank failure

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A bank failure occurs when a bank is unable to meet its obligations to its depositors or other creditors because it has become insolvent or too illiquid to meet its liabilities. A bank usually fails economically when the market value of its assets declines to a value that is less than the market value of its liabilities. The insolvent bank either borrows from other solvent banks or sells its assets at a lower price than its market value to generate liquid money to pay its depositors on demand. The inability of the solvent banks to lend liquid money to the insolvent bank creates a bank panic among the depositors as more depositors try to take out cash deposits from the bank. As such, the bank is unable to fulfill the demands of all of its depositors on time. A bank may be taken over by the

Attributes	Values
rdf:type	Thing
rdfs:label	فشل مصرفي (ar) Bank failure (en) Bank gagal (in) Faillite bancaire (fr)
rdfs:comment	Une faillite bancaire est une faillite qui touche un établissement bancaire. Dans une telle situation, la banque ne peut plus remplir ses obligations vis-à-vis de ses clients et actionnaires, et se trouve en cessation de paiements. (fr) يحدث الفشل المصرفي أو الإخفاق المصرفي أو الانهيار المصرفي عندما يكون البنك غير قادر على الوفاء بالتزاماته تجاه المودعين أو غيرهم من الدائنين لأنه أصبح معسرا أو لم تعد لديه السيولة الكافية للوفاء بالتزاماته. وبالأخص، يفشل المصرف اقتصاديا في العادة عندما تنخفض القيمة السوقية لأصوله إلى قيمة أقل من القيمة السوقية لخصومه. البنك المعسر بإمكانه إما أن يستعير من غيره من البنوك ذات الملاءة، أو أن يبيع أصوله بسعر أقل من قيمتها في السوق لإيجاد المال السائل لدفع المودعين عند الطلب. يولد عجز البنوك ذات الملاءة عن إقراض المال السائل إلى البنك المعسر يخلق ذعرا مصرفيا بين المودعين، حيث يحاول المزيد من المودعين سحب ودائعهم النقدية من البنك. وبهذه الطريقة، يصبح المصرف غير قادر على تلبية طلبات جميع المودعين في الوقت المحدد. إضافة، يمكن أن تستحوذ المنظمات التنظيمية الحكومية على البنك إذا انخفضت حصة المساهمي (ar) A bank failure occurs when a bank is unable to meet its obligations to its depositors or other creditors because it has become insolvent or too illiquid to meet its liabilities. A bank usually fails economically when the market value of its assets declines to a value that is less than the market value of its liabilities. The insolvent bank either borrows from other solvent banks or sells its assets at a lower price than its market value to generate liquid money to pay its depositors on demand. The inability of the solvent banks to lend liquid money to the insolvent bank creates a bank panic among the depositors as more depositors try to take out cash deposits from the bank. As such, the bank is unable to fulfill the demands of all of its depositors on time. A bank may be taken over by the (en) Bank gagal (bahasa Inggris:bank failure) adalah suatu keadaan di mana operasional bank tertentu dapat dihentikan oleh otoritas pengawasan perbankan oleh negara di mana bank tersebut berada bila mengacu pada praktik bank sentral-bank sentral di Uni Eropa terdapat tiga aspek penilaian yakni kuantitatif, kualitatif dan subyektif, di mana sebuah bank disebut sebagai bank gagal dapat dikarenakan ketidak mampuannya dalam memenuhi kewajibannya kepada para deposannya atau karena tidak bisa membayar atau pemenuhan permintaan dana-dana lainnya yang masih merupakan bagian dari kewajibannya, penghentian terhadap operasional bank gagal mempunyai dua alternatif penyelesaian yakni yang pertama bank gagal tersebut dapat dilakukan dilikuidasi tanpa termasuk dalam skema penjaminan atau yang kedua, bila bank (in)
foaf:depiction
dcterms:subject	Banking Bank failures
Wikipage page ID	17608177 (xsd:integer)
Wikipage revision ID	1119751080 (xsd:integer)
Link from a Wikipage to another Wikipage	Capitalia Public policy Royal Bank of Scotland Santander Bank List of bank failures in the United States (2008–present) List of banks acquired or bankrupted in the United States during the financial crisis of 2007–2008 Bank of New York Mellon Millennium BCP Bear Stearns Bradford & Bingley Charles Calomiris UniCredit United States Liability (financial accounting) List of largest U.S. bank failures Commerzbank Swiss National Bank Citigroup Freddie Mac Glitnir (bank) Goldman Sachs Government of Portugal Government of Spain Government of the United Kingdom Morgan Stanley Creditor Anglo Irish Bank Lehman Brothers Lloyds Banking Group MBNA State Street Corporation Lloyds TSB Systemic risk BNP Paribas Bank One Corporation Bank of America Bank of Cyprus Bank of England Bank of Ireland Bankia Barclays Banking Causes of the Great Depression UBS Wachovia Washington Mutual Wells Fargo HBOS Landsbanki Volcker Rule ABN AMRO Bank failures Alliance & Leicester Alpha Bank American International Group Equity (finance) Eurobank Ergasias Fannie Mae Federal Deposit Insurance Corporation Federal Housing Finance Agency Financial crisis of 2007–2008 FleetBoston Financial Fortis (finance) Bank Bank regulation Bank run Nomura Holdings Northern Rock Government of Greece JPMorgan Chase Countrywide Financial Financial institutions Kaupthing Bank Zombie bank Dexia Asset Automated teller machine Bulge bracket Piraeus Bank ING Group IndyMac Merrill Edge National Bank of Greece NetBank OneWest Bank Caixa Geral de Depositos

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