>the most likely scenario is that depositors will be made whole quickly Insured depositors (up to $250K) will absolutely be made whole quickly. They'll get th

>the most likely scenario is that depositors will be made whole quickly Insured depositors (up to $250K) will absolutely be made whole quickly. They'll get their money on Monday. Uninsured depositors, up to some multiple of the $250K, will probably be made whole, but it will likely take a couple of weeks. Uninsured depositors beyond whatever multiple the FDIC decides to accommodate (likely somewhere in the millions to tens of millions of $), will probably get some fraction of their deposits back, but it could take several months. This talking point that all depositors will be made whole quickly is dangerous and almost certainly false. The FDIC needs to liquidate or find a buyer for SVB and the value of the assets isn't enough to make everyone whole, beyond that there is the FDIC insurance fund but it's likely insufficient, beyond that requires Congress passing a law to enable a further bailout.