Regarding the current banking crisis: With the interest rate rising, the banks have to increase the profits they attain. By having assets in the long term that cannot bring in those profits, the profitability is at risk. For banks that have short term assets, it's easier to transfer the increased interest rates into the new debtors, specially taking in account that the interests given to the account owners is virtually zero. The governments made it very clear that they will give more credit if needed, and the rest of the banks don't have the issues that SVB and Credit Suisse had, so it might not go that far

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