ʻO ka moʻolelo ma hope o ka hapa nui o ka Bank Bank in History
Ma kahi kokoke i 60 pakeneka o kānaʻoihana i loaʻa mai i ke kālāʻauhau kūʻai , a he 20 pakeneka i loaʻa mai i nā kāleka kāleka.
ʻO 14 wale nō pākēneka wale nō i loaʻa mai i nā loans home, akā, ua lawa kēia e hoʻopau ai i ke koena o kānaʻoihana. I ka hopena o ka makahiki 2008 he banekorupa.
No ke aha i hana hewa ai
Ua neleʻo Washington Mutual i nā kumu heʻelima. ʻO ka mea mua, ua nui nāʻoihana i Kaleponi. Uaʻoi aku ka hewa o ka makai hale ma mua o nā wahi'ē aʻe o ka'āina. I ka makahiki 2006, ua hoʻomaka ka hāʻuleʻana o nā koina home i ka'āina holoʻokoʻa. Ma hope o ka piʻiʻana i kahi kiʻekiʻe he 20 pakeneka makahiki o ka makahiki i ka makahiki 2004.
Ma o ka mahinaʻo Dekemaba 2007, ua emi iho ka nui o ka huina home o ka home i 9.8 pakeneka. ʻO ka manawa hope loa o ka huina hale i hāʻule i ka wā o ka Paha nui . Ma ka'Āina, he 10 mau mahina o ka hale kūʻai hale. I Kaleponi, aia he 15 mau mahina o ka waiwai kūʻokoʻa. ʻOiai, heʻeono mahina o ka waihona waiwai o ka moku'āina.
Ma ka hopena o ka makahiki 2007, nui nā kālā'ē iʻoi aku ma mua o 100 pakeneka o ka waiwai o ka home. Ua ho'āʻoʻo WaMu e mālama. Ua kākauʻo ia i 20% o nā moraki iʻoi aku ma mua o 80 pakeneka hoʻoili kālā hoʻoili .
Akā, i ka hāʻuleʻana o nā hale hale,ʻaʻole ia he mea nui.
ʻO ke kumuʻelua o ka Waza o ka hanaʻoleʻanaʻo ia e hoʻonui loa i kona mau lālā. ʻO ka hopena, aia ma nā wahi nele i ka nui o nā mākeke. No ka hopena, ua hanaʻia nā moraki nui he nui i nā mea kūʻai kūʻaiʻole.
ʻO kaʻekoluʻoʻAukake 2007 ka hāʻuleʻana o ka māleka kiʻekiʻe no nā hōʻai'ē moraki kākoʻo .
E like me nāʻauwai'ē aʻe, ua hikiʻole iā WaMu ke kūʻai aku i kēia mau moraki. ʻO ka hāʻuleʻana o nā kumukūʻai o ka home he mea nui lākou ma mua o nā hale. ʻAʻole i hiki i ke kāleka ke hoʻonui i ke kālā.
I ka Q4 2007, ua kākauʻia-$ 1.6 biliona i nā moraki i kūʻoleʻia. Ua kāohi ka 'aha Bank i ka hoʻokaʻawaleʻana i ke kālā no ka hoʻolakoʻana i nā lilo o ka wā e hiki mai ana. ʻO ka hopena, ua hōʻikeʻo WaMu i kahi $ 2 billion net loss for the quarter. ʻO ka make o kānaʻupena no ka makahiki, he $ 67 kālā. Ua hoʻolālāʻia ka waiwai o ka makahiki 2006 no $ 3.6 piliona. (Source: WaMu 2007 Annual Report)
ʻO ka lāʻehāʻo Sepatemaba 15, 2008, Lehman Brothers bankruptcy. Ua hopohopo nā mea mālama Wava i ka loheʻana i kēia. Ua haʻalele lākou i $ 16.7 biliona mai loko mai o ko lākou waihona a me ka nānāʻana i nā kālā i nā lā he 10 aʻe. He 9 pakeneka o nā waihona o Wa Wa. Ua'ōleloʻia e ka'Āpana'IlepiliʻIke o Federal Depth i ka loaʻaʻole o ke kālā kālā o ka'aʻaina no ka hana i nāʻoihana i kēlā me kēia lā. Ua hoʻomaka ke aupuni eʻimi i nā mea kūʻai. No ka mea hou aku, e nānā i ka Timeline o ka Crise Financial 2008 .
ʻO ka limaʻo ka Wahano nui. ʻAʻole i nui ka nui o ka liloʻana i mea nui i ka nele . ʻO ka hopena,ʻaʻole e hoʻopukaʻia e ka US Treasury a iʻole ka Federal Reserve paha e like me kā lākou i hanaʻo Bear Stearns a iʻoleʻAmelika Hui PūʻIa .
ʻO wai ka mea nāna i hoʻopiʻi iā Washington Mutual?
Ma ka lā 25 o Kepakemapa, 2008, ua laweʻo FDIC ma waho o ke kapa kūʻai a kūʻai aku iā JPMorganChase no $ 1.9 piliona.
I kekahi lā aʻe, ua haʻi akuʻo Washington Mutual Inc, kaʻahahui mālama kālā o kaʻaha kālā. ʻO ia ka lua o ka bankruptcy nui loa i ka moʻolelo, ma hope o Lehman Brothers.
Ma kaʻili, manaʻoʻia he maikaʻi loa ka JPMorganChase. Ua uku waleʻia he $ 1.9 piliona no kahi o $ 300 mau kālā i loko o nā waiwai. Akā, ua kākauʻo Chase i $ 31 biliona ma nā loina maikaʻi. E pono hoʻi e hoʻonui i $ 8 biliona ma ke kālā hou e mālama i ka'auke. ʻAʻohe kīina'ē aʻe ma WaMu. ʻO Citigroup, Wells Fargo, aʻo Banco Santander Amerika Hema a hele ma laila.
Akā ua makemakeʻo Chase i ka pūnaewele WaMu o 2,239 mau lālā a me kahi waihona waihona waiwai paʻa. Loaʻa ka loaʻaʻana iā ia i Kaleponi a me Florida. Ua mōhai akuʻo ia e kūʻai i ka panakū ma Malaki 2008. Ma mua, ua kohoʻo WaMu i kahi kālā $ 7 bilikani i hoʻokomoʻia e ke kūʻokoʻa kūʻokoʻa kūʻokoʻa TPG,
ʻO wai ka mea i hoʻopilikia i nā hala?
Ua uku nā mea'ai'ē, nā mea kūʻai a me nāʻaukā kālā kālā i nā hapa nui loa.
Ua lilo nā mea kūʻai i $ 30 biliona a pau i ko lākou mālama kālā ma WaMu. ʻO ka hapa nui o nā mea i pau i ka neleʻelua wale nō keneta no kēlā me kēia mahele.
Ua nele kekahi mau mea. Eia kekahi laʻana, ua pau ka $ 1.35 pilikino i ka waiwai o Texas Pacific Group. Ua hoʻokūʻia ka hui hoʻokūpaʻa WaMu iā JPMorgan Chase no ka loaʻaʻana o $ 4 biliona i loko o nā waihona. Deutsche Bank ua kuhiʻia WaMu no $ 10 biliona no nā kuleana no nā mea hōʻailona moraki. Ua'ōleloʻo ia, uaʻikeʻo WaMu he mea hoʻopunipuni a kūʻai aku iā lākou. ʻAʻole maopopo iā FDIC a iʻole JPMorgan Chase paha nā kuleana o kēia mau koi. Ua liloʻo TPG i $ 1.35 biliona no kāna kālā.
(Sources: (Source: "ʻO ka Inside Story of Wawa -ʻO ka Bank Bank Bank in American History," CNBC, June 20, 2012. "4 Ways Washington Mutual Still Matters," Forbes, Feb. 22, 2012. "Loaʻa iā WaMu , "Ka Wall Street Journal, Sepatemaba 26, 2008.)