Amit Seru, Senior Fellow at the Hoover Institution, delves into the complexities of banking in the United States. Balance sheet composition and the management between short-term deposits and long-term investments are just a few factors that contribute to a bank’s profitability. But recent bank crises like the collapse of Silicon Valley Bank highlight the risks that can emerge from the mismanagement of assets and liabilities. Seru provides a deeper understanding of banking principles that can help avoid more bank failures and future financial calamities.

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