¡Hola a todos! ¿Cómo habéis comenzado el año? Espero que genial y con las pilas recargadas. Hoy os traigo un post de inspiración que hace ya un tiempo que no hago uno. Ya sabéis que las sneakers no pueden estar más de moda, ya no solo para looks deportivos, sino para los looks más cool de calle. ¡Son pura tendencia! Mis favoritas para esta temporada son las Vapormax, y estoy viendo que se van a poner súper de moda porque no paro de verlas en fotos de personas que marcan tendencia. Os enseño en este post una opción de look para combinarlas para un outfit del día a día para este invierno y también os dejo un poco de inspiración con varias fotos de street style con estas zapatillas.
Me parecen unas sneakers muy cómodas, con un diseño moderno y es que es muy tendencia que se vea la cámara de aire. Las que más me gustan son el modelo Flyknit y me encantan en todos los colores pero si tuviera que elegir me quedaría sin duda con las que tienen algún tono pastel, como en lila. No son difíciles de combinar y a la vez son unas zapatillas originales y que no todo el mundo tiene. ¿Qué os parecen?
Me parecen unas sneakers muy cómodas, con un diseño moderno y es que es muy tendencia que se vea la cámara de aire. Las que más me gustan son el modelo Flyknit y me encantan en todos los colores pero si tuviera que elegir me quedaría sin duda con las que tienen algún tono pastel, como en lila. No son difíciles de combinar y a la vez son unas zapatillas originales y que no todo el mundo tiene. ¿Qué os parecen?
¡Son chulísimas! no había visto antes éste modelo, me encantan.
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SVB’s New Owners, The Billionaire North Carolina Family Behind First Citizens, Are Quietly Building A Banking Empire North Carolina’s First Citizens Bank doubled its size with the stroke of a pen in the early hours of Monday morning with its landmark FDIC-assisted acquisition of Silicon Valley Bank, and nobody will reap the rewards more than the family that has orchestrated its growth for the last century.
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Chairman and CEO Frank Holding Jr. and his four sisters Olivia Holding, Hope Bryant, Carson Brice and Claire Bristow collectively own about 20% of First Citizens’ stock and have close to 50% voting power in the company, according to SEC filings, for a cumulative stake worth $2.7 billion thanks to Monday’s 54% stock gain following the deal. The surge erased all of the stock’s year-to-date losses in the regional bank selloff stemming from SVB’s failure and contagion fears.
Raleigh-based First Citizens and the Holding family have kept a low profile for decades, but the family-owned bank has been on a mission to expand nationwide via opportunistic acquisitions. Its growth has accelerated since the 2008 financial crisis thanks in part to a series of more than 20 FDIC-assisted acquisitions of small failed banks, including California’s $1.8 billion (assets) First Regional Bank, $1.1 billion Temecula Valley Bank, also based in Southern California, and $1.8-billion Denver-based United Western Bank. At the end of 2008, First Citizens had assets of $16.7 billion. Prior to this weekend’s SVB deal, the bank’s assets stood at $109 billion.
“It developed a bit of a specialty in that area,” says Peter Gwaltney, CEO of the North Carolina Bankers Association, referring to First Citizens’ purchases of failing banks. “They’re practiced at this, they’re disciplined and they’re trusted by the FDIC.”
In January 2022, its $2.2 billion acquisition of New York-based CIT Group was its biggest purchase prior to SVB. CIT is a 115-year old middle market commercial and consumer lender with a nationwide footprint. It went bankrupt during the financial crisis in 2008, and emerged in 2010 under the leadership of former Goldman Sachs executive and Merrill Lynch CEO John Thain, who retired in 2016.
First Citizens is taking on $110 billion in assets, $56 billion in deposits and $72 billion in loans from SVB, becoming one of the 20 largest banks in America now with $219 billion in assets. It has more than 500 branches in 21 states, heavily concentrated in the fast-growing Southeast and California. The $72 billion loan portfolio was acquired at a $16.5 billion discount, the FDIC said in its press release, and an SEC filing said First Citizens received a $35 billion five-year loan from the FDIC at a 3.5% fixed rate to finance the deal. In early March, SVB experienced a bank run as its tech startup customers rushed to withdraw more than $40 billion in deposits. The ailing bank had more than 85% of its $175 billion in deposits uninsured. According to regulatory filings, First Citizens had 32% of its $91 billion in deposits uninsured as of the end of 2022.
Genial, Feliz 2020!!!
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