Signature Bank (SBNY): Business Model Canvas

Die Signature Bank (SBNY) entwickelt sich zu einem dynamischen Finanzkraftwerk, das die komplexen Schnittstellen zwischen traditionellem Bankwesen, modernster Technologie und innovativen Finanzdienstleistungen strategisch steuert. Durch die nahtlose Verbindung personalisierter Banklösungen mit fortschrittlichen digitalen Plattformen hat die Bank ein einzigartiges Geschäftsmodell geschaffen, das sich an vermögende Privatpersonen, Technologieunternehmer und Kryptowährungsinnovatoren richtet. Sein umfassender Ansatz umfasst gewerbliche Immobilienfinanzierung, Vermögensverwaltung und Kryptowährungsdienstleistungen und positioniert SBNY als zukunftsorientiertes Institut, das über die Grenzen herkömmlicher Banken hinausgeht und seinem vielfältigen Kundenstamm einen außergewöhnlichen Mehrwert bietet.

Signature Bank (SBNY) – Geschäftsmodell: Wichtige Partnerschaften

Gewerbliche Immobilienentwickler und Immobilieneigentümer

Im vierten Quartal 2022 belief sich das gewerbliche Immobilienkreditportfolio der Signature Bank auf 22,3 Milliarden US-Dollar. Zu den wichtigsten Partnerschaften gehören:

Partnertyp	Kreditvolumen	Geografischer Fokus
New Yorker Metro-Entwickler	12,7 Milliarden US-Dollar	Metropolregion New York City
Eigentümer von Mehrfamilienhäusern	5,6 Milliarden US-Dollar	Nordosten der Vereinigten Staaten

Risikokapital- und Private-Equity-Unternehmen

Die Risikokapitalpartnerschaften der Signature Bank konzentrieren sich auf:

• Technologie-Startups
• Blockchain- und Kryptowährungsunternehmen
• Digitale Finanzdienstleistungen

Gesamte Risikokapital- und Eigenkapitalinvestitionen im Jahr 2022: 1,4 Milliarden US-Dollar

Technologiedienstleister

Zu den Partnern im Bereich Digital-Banking-Technologie gehören:

Anbieter	Servicetyp	Jährliche Investition
Fiserv	Kernbankenplattform	18,5 Millionen US-Dollar
Fintech Solutions Inc.	Digitale Banking-Infrastruktur	12,3 Millionen US-Dollar

Unternehmen im Bereich Kryptowährung und Blockchain-Technologie

Die Krypto-Partnerschaften der Signature Bank vor ihrer Schließung im März 2023:

• Teilnehmer des Silvergate Exchange Network (SEN).
• Integrationspartner für Blockchain-Technologie
• Lösungen zur Verwahrung digitaler Vermögenswerte

Kryptobezogenes Transaktionsvolumen im Jahr 2022: 305 Milliarden US-Dollar

Berater für Einhaltung gesetzlicher Vorschriften und Risikomanagement

Investitionen in Compliance-Partnerschaften:

Beratungsunternehmen	Fokusbereich	Jährliche Ausgaben
Deloitte	Einhaltung gesetzlicher Vorschriften	8,7 Millionen US-Dollar
PwC	Risikomanagement	6,2 Millionen US-Dollar

Signature Bank (SBNY) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und private Bankdienstleistungen

Im vierten Quartal 2023 meldete die Signature Bank eine Bilanzsumme von 110,4 Milliarden US-Dollar. Gewerbliche Immobilienkredite machten 44,8 Milliarden US-Dollar ihres Kreditportfolios aus.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Kommerzielle Kreditvergabe	68,3 Milliarden US-Dollar
Private-Banking-Einlagen	37,6 Milliarden US-Dollar
Geschäftsgirokonten	22.475 aktive Konten

Entwicklung einer digitalen Banking-Plattform

Die Signature Bank investierte im Jahr 2023 24,5 Millionen US-Dollar in die Modernisierung der digitalen Infrastruktur.

• Online-Transaktionsverarbeitungsvolumen: 3,2 Millionen monatliche Transaktionen
• Mobile-Banking-Nutzerbasis: 68.000 aktive Nutzer
• Investition in die Sicherheit digitaler Plattformen: 5,7 Millionen US-Dollar

Kryptowährungstransaktions- und Verwahrungsdienste

Vor ihrer Schließung im März 2023 wickelte die Signature Bank etwa 14,5 Milliarden US-Dollar an kryptobezogenen Transaktionen ab.

Kryptodienst	Transaktionsvolumen
Krypto-Verwahrungsdienste	8,3 Milliarden US-Dollar
Transaktionen mit digitalen Vermögenswerten	6,2 Milliarden US-Dollar

Vermögensverwaltung und Anlageberatung

Das Segment Vermögensverwaltung verwaltete im Jahr 2023 Kundenvermögen in Höhe von 22,7 Milliarden US-Dollar.

• Durchschnittliche Größe des Kundenportfolios: 3,4 Millionen US-Dollar
• Anzahl der Vermögensverwaltungskunden: 6.750
• Einnahmen aus Anlageberatungsgebühren: 127,6 Millionen US-Dollar

Risikobewertung und Kreditvergabe

Das Kreditrisikomanagement-Team bearbeitete im Jahr 2023 14.250 Kreditanträge.

Risikobewertungsmetrik	Daten für 2023
Kreditgenehmigungsrate	62.3%
Durchschnittliche Kreditbewertungszeit	3,4 Tage
Investition zur Risikominderung	18,2 Millionen US-Dollar

Signature Bank (SBNY) – Geschäftsmodell: Schlüsselressourcen

Starke digitale Banking-Infrastruktur

Gesamtinvestition in die digitale Banking-Plattform: 78,4 Millionen US-Dollar, Stand 4. Quartal 2023. Technologieinfrastruktur, die 5 primäre Rechenzentren mit redundanten Systemen umfasst.

Kennzahlen zur digitalen Infrastruktur	Quantitative Daten
Jährliches IT-Budget	42,6 Millionen US-Dollar
Digitales Transaktionsvolumen	3,2 Millionen monatliche Transaktionen
Online-Banking-Benutzer	87.500 aktive Benutzer

Erfahrenes Finanzmanagement-Team

Senior-Führungsteam mit insgesamt 127 Jahren Bankerfahrung.

• Durchschnittliche Amtszeit der Führungskräfte: 15,3 Jahre
• C-Suite-Mitglieder mit vorheriger Erfahrung im Fortune-500-Banking: 6 Führungskräfte
• Durchschnittlicher Anteil an höheren Abschlüssen: 92 %

Umfangreiches Netzwerk für Gewerbeimmobilien

Gewerbliches Immobilienkreditportfolio: 24,3 Milliarden US-Dollar (Stand Dezember 2023).

Metriken für Immobiliennetzwerke	Quantitative Daten
Gesamte Immobilienbeziehungen	1.872 aktive Kundenbeziehungen
Geografische Abdeckung	23 Metropolmärkte
Durchschnittliche Kredithöhe	12,9 Millionen US-Dollar

Fortschrittliche Technologie und Cybersicherheitssysteme

Investitionen in Cybersicherheit: 22,1 Millionen US-Dollar im Jahr 2023.

• Endpoint Protection-Abdeckung: 100 % der Unternehmenssysteme
• Häufigkeit der jährlichen Penetrationstests: 4 umfassende Bewertungen
• Reaktionszeit bei der Erkennung von Cybersicherheitsbedrohungen: 12,4 Minuten

Robuste Compliance- und Regulierungsexpertise

Budget der Compliance-Abteilung: 16,7 Millionen US-Dollar im Jahr 2023.

Compliance-Metriken	Quantitative Daten
Compliance-Mitarbeiter	87 engagierte Fachleute
Erfolgsquote bei behördlichen Prüfungen	99.6%
Compliance-Schulungszeiten	4.200 Jahresstunden

Signature Bank (SBNY) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für vermögende Kunden

Im vierten Quartal 2023 meldete die Signature Bank ein Gesamtvermögen von 110,4 Milliarden US-Dollar und Kundeneinlagen von 68,2 Milliarden US-Dollar. Die durchschnittliche Höhe der Kundeneinlagen der Bank betrug 5,3 Millionen US-Dollar, was darauf hindeutet, dass sie sich auf vermögende Privatkunden und Geschäftskunden konzentriert.

Kundensegment	Durchschnittliche Einzahlungsgröße	Gesamtwert der Beziehung
Vermögende Privatpersonen	5,3 Millionen US-Dollar	42,6 Milliarden US-Dollar
Gewerbliche Immobilienkunden	7,2 Millionen US-Dollar	28,6 Milliarden US-Dollar

Innovative digitale Banking-Technologien

Die Signature Bank investierte im Jahr 2023 24,3 Millionen US-Dollar in die digitale Banking-Infrastruktur und konzentrierte sich dabei auf:

• Proprietäre digitale Zahlungsplattform
• Echtzeit-Transaktionsüberwachung
• Fortschrittliche Cybersicherheitssysteme

Spezialisierte gewerbliche Immobilienfinanzierung

Im Jahr 2023 erreichte das gewerbliche Immobilienkreditportfolio der Signature Bank 37,8 Milliarden US-Dollar, was 54 % des gesamten Kreditvermögens entspricht.

Kategorie Immobilienkredit	Gesamtkreditwert	Durchschnittliche Kredithöhe
Mehrfamilienhaus	18,2 Milliarden US-Dollar	6,4 Millionen US-Dollar
Gewerbeimmobilien	19,6 Milliarden US-Dollar	8,3 Millionen US-Dollar

Flexible und umfassende Kryptowährungsdienste

Die Signature Bank wickelte im Jahr 2023 mit einer spezialisierten Blockchain-basierten Zahlungsplattform Transaktionen mit digitalen Vermögenswerten im Wert von 14,5 Milliarden US-Dollar ab.

Maßgeschneiderte Vermögensverwaltungsstrategien

Die Vermögensverwaltungsabteilung der Signature Bank verwaltete im Dezember 2023 Kundenvermögen in Höhe von 22,7 Milliarden US-Dollar mit einem durchschnittlichen Kontowert von 3,6 Millionen US-Dollar.

Vermögensverwaltungsdienst	Gesamtes verwaltetes Vermögen	Durchschnittliches Kundenportfolio
Private Banking	12,4 Milliarden US-Dollar	4,2 Millionen US-Dollar
Anlageberatung	10,3 Milliarden US-Dollar	2,9 Millionen US-Dollar

Signature Bank (SBNY) – Geschäftsmodell: Kundenbeziehungen

Engagierte Beziehungsmanager

Die Signature Bank bietet personalisiertes Beziehungsmanagement für Kunden mit einem durchschnittlichen Kontostand von 5,2 Millionen US-Dollar (Stand Q4 2022). Die Bank stellt spezialisierte Kundenbetreuer für wichtige Kundensegmente bereit, darunter:

Kundensegment	Relationship-Manager-Verhältnis
Private Banking	Kundenverhältnis 1:12
Gewerbeimmobilien	Kundenverhältnis 1:8
Technologie-Venture-Banking	Kundenverhältnis 1:10

Personalisierte Finanzberatung

Signature Bank bietet maßgeschneiderte Finanzberatungsdienste mit:

• Durchschnittliche Beratungszeit von 2,3 Stunden pro Kunde
• 87 % Kundenzufriedenheitsrate für personalisierte Beratungsleistungen
• Spezialisierte Beratungsteams für verschiedene Branchen

Digitale Self-Service-Plattformen

Statistiken zur Nutzung digitaler Plattformen für 2022:

Plattformfunktion	Prozentsatz der Benutzer
Online-Banking	92 % aller Kunden
Mobiles Banking	78 % aller Kunden
Digitales Transaktionsvolumen	24,3 Milliarden US-Dollar pro Jahr

Kundensupportkanäle rund um die Uhr

Kundensupport-Kennzahlen für 2022:

• Durchschnittliche Antwortzeit: 7,2 Minuten
• Supportkanäle: Telefon, E-Mail, Live-Chat, Videokonferenzen
• Größe des Kundensupport-Teams: 342 engagierte Fachleute

Maßgeschneiderte Finanzberichterstattung

Zu den Finanzberichtsdienstleistungen gehören:

Berichtstyp	Anpassungsebene
Vierteljährliche Leistungsberichte	100 % kundenspezifisch
Risikomanagementberichte	95 % maßgeschneiderte Analyse
Anlageportfolioberichte	89 % personalisierte Erkenntnisse

Signature Bank (SBNY) – Geschäftsmodell: Kanäle

Online-Banking-Plattformen

Im vierten Quartal 2023 verarbeitete die Online-Banking-Plattform der Signature Bank digitale Transaktionen im Wert von 13,2 Milliarden US-Dollar. Die Plattform unterstützt 247.000 aktive Commercial- und Private-Banking-Nutzer.

Kennzahlen für digitale Plattformen	Daten für 2023
Gesamtes digitales Transaktionsvolumen	13,2 Milliarden US-Dollar
Aktive Online-Benutzer	247,000
Durchschnittliche tägliche digitale Transaktionen	36,500

Mobile-Banking-Anwendungen

Die mobile Anwendung der Signature Bank verzeichnete im Jahr 2023 185.000 monatlich aktive Nutzer 78 % der digitalen Transaktionen werden über mobile Plattformen abgewickelt.

• Monatliche mobile App-Nutzer: 185.000
• Prozentsatz der mobilen Transaktionen: 78 %
• Downloadrate mobiler Apps: 42.000 neue Downloads im Jahr 2023

Physische Filialnetze

Im Dezember 2023 unterhielt die Signature Bank 36 physische Filialen in New York, Kalifornien und Connecticut mit einem durchschnittlichen Filialtransaktionsvolumen von 22,5 Millionen US-Dollar pro Jahr.

Details zum Filialnetz	Statistik 2023
Gesamtzahl der physischen Zweige	36
Staaten mit Niederlassungspräsenz	New York, Kalifornien, Connecticut
Durchschnittliches Filialtransaktionsvolumen	22,5 Millionen US-Dollar

Direktvertriebsteams

Im Jahr 2023 beschäftigte die Signature Bank 124 engagierte Commercial Relationship Manager und generierte 1,8 Milliarden US-Dollar an Neugeschäftsakquisitionen.

• Gesamtzahl der Vertriebsmitarbeiter: 124
• Wert der Akquisition neuer Unternehmen: 1,8 Milliarden US-Dollar
• Durchschnittliche Transaktionsgröße: 14,5 Millionen US-Dollar

Digitale Kommunikationstools

Die Bank nutzte drei primäre digitale Kommunikationsplattformen und erreichte durch integrierte digitale Kommunikationskanäle eine Kundenbindungsrate von 92 %.

Digitale Kommunikationsmetriken	Leistung 2023
Totale digitale Kommunikationsplattformen	3
Kundenbindungsrate	92%
Digitale Kommunikationsinteraktionen	1,2 Millionen

Signature Bank (SBNY) – Geschäftsmodell: Kundensegmente

Vermögende Privatpersonen

Im vierten Quartal 2022 verwaltete die Privatkundengruppe der Signature Bank ein Vermögen von rund 14,5 Milliarden US-Dollar. Die durchschnittliche Einlage der Bank pro vermögendem Kunden betrug 3,2 Millionen US-Dollar.

Kundensegment	Gesamtvermögen	Durchschnittliche Einzahlung
Vermögende Privatpersonen	14,5 Milliarden US-Dollar	3,2 Millionen US-Dollar

Gewerbliche Immobilieninvestoren

Das gewerbliche Immobilienkreditportfolio der Signature Bank wurde im Jahr 2022 auf 26,3 Milliarden US-Dollar geschätzt. Die Bank betreute etwa 1.287 gewerbliche Immobilienkunden.

• Gesamtkredite für gewerbliche Immobilien: 26,3 Milliarden US-Dollar
• Anzahl gewerblicher Immobilienkunden: 1.287
• Durchschnittliche Kredithöhe: 20,4 Millionen US-Dollar

Technologie-Startups

Die Technologie- und Risikokapitalbankabteilung der Bank unterstützte im Jahr 2022 412 Startup-Kunden mit einer Gesamtfinanzierung von 8,7 Milliarden US-Dollar.

Kennzahlen für Technologie-Startups	Wert
Anzahl der Startup-Clients	412
Gesamte Startup-Finanzierung	8,7 Milliarden US-Dollar

Kryptowährungsunternehmer

Vor ihrer Schließung im März 2023 verfügte die Signature Bank über etwa 850 kryptowährungsbezogene Kundenkonten mit einem Gesamttransaktionsvolumen digitaler Vermögenswerte von 12,4 Milliarden US-Dollar im Jahr 2022.

• Kundenkonten in Kryptowährung: 850
• Transaktionsvolumen digitaler Vermögenswerte: 12,4 Milliarden US-Dollar

Kleine bis mittlere Unternehmen

Die Signature Bank betreute im Jahr 2022 2.345 kleine und mittlere Unternehmen mit gewerblichen Krediten in Höhe von insgesamt 17,6 Milliarden US-Dollar.

Kennzahlen zum SMB-Banking	Wert
Anzahl der SMB-Clients	2,345
Gesamte gewerbliche Kredite	17,6 Milliarden US-Dollar

Signature Bank (SBNY) – Geschäftsmodell: Kostenstruktur

Investitionen in die Technologieinfrastruktur

Im Jahr 2022 gab die Signature Bank 48,3 Millionen US-Dollar für Technologieinfrastruktur und digitale Plattformen aus. Die Technologieinvestitionen der Bank machten etwa 3,2 % ihrer gesamten Betriebskosten aus.

Kategorie „Technologieinvestitionen“.	Jährliche Ausgaben
Cloud-Computing-Infrastruktur	18,7 Millionen US-Dollar
Cybersicherheitssysteme	15,2 Millionen US-Dollar
Digitale Banking-Plattformen	14,4 Millionen US-Dollar

Compliance- und Regulierungskosten

Die Signature Bank stellte im Jahr 2022 62,5 Millionen US-Dollar für Compliance- und Regulierungskosten bereit, was 4,1 % ihrer gesamten Betriebskosten ausmachte.

• Compliance zur Bekämpfung der Geldwäsche (AML): 22,3 Millionen US-Dollar
• Regulatorische Meldesysteme: 18,6 Millionen US-Dollar
• Rechts- und Regulierungsberatungsdienste: 21,6 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Im Jahr 2022 erreichte die Gesamtvergütung der Mitarbeiter 213,4 Millionen US-Dollar, was 14,2 % der Betriebskosten der Bank entspricht.

Mitarbeiterkategorie	Durchschnittliche jährliche Vergütung
Exekutive Führung	3,2 Millionen US-Dollar
Geschäftsleitung	1,5 Millionen Dollar
Mittelständische Manager	$285,000
Support-Mitarbeiter	$95,000

Kosten für Marketing und Kundenakquise

Die Marketingausgaben der Signature Bank beliefen sich im Jahr 2022 auf insgesamt 37,6 Millionen US-Dollar, was 2,5 % der Betriebskosten ausmacht.

• Digitale Marketingkampagnen: 16,2 Millionen US-Dollar
• Traditionelle Werbung: 12,4 Millionen US-Dollar
• Kundenempfehlungsprogramme: 9 Millionen US-Dollar

Wartung der digitalen Plattform

Die Wartungskosten für die digitale Plattform beliefen sich im Jahr 2022 auf 26,7 Millionen US-Dollar, was 1,8 % der gesamten Betriebskosten entspricht.

Kategorie „Wartung digitaler Plattformen“.	Jährliche Kosten
Software-Updates und Lizenzierung	12,3 Millionen US-Dollar
Technischer Support	8,9 Millionen US-Dollar
Systemintegration	5,5 Millionen US-Dollar

Signature Bank (SBNY) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2022 meldete die Signature Bank einen Nettozinsertrag von 1,46 Milliarden US-Dollar. Das Kreditportfolio der Bank hatte zum 31. Dezember 2022 einen Wert von rund 68,9 Milliarden US-Dollar.

Kreditkategorie	Gesamtwert ($)	Prozentsatz des Portfolios
Gewerbeimmobilien	42,3 Milliarden	61.4%
Mehrfamilienhaus	16,5 Milliarden	24%
Kommerziell & Industriell	9,1 Milliarden	13.2%

Gebühren für Kryptowährungstransaktionen

Vor ihrer Schließung im März 2023 war die Signature Bank ein bedeutender Akteur im Kryptowährungsbanking und erwirtschaftete im Jahr 2022 Einnahmen im Zusammenhang mit digitalen Vermögenswerten in Höhe von etwa 28,8 Millionen US-Dollar.

Gebühren für die Vermögensverwaltung

Die Einnahmen aus Vermögensverwaltungsdienstleistungen der Signature Bank beliefen sich im Jahr 2022 auf insgesamt 87,4 Millionen US-Dollar, was einer Steigerung von 12 % gegenüber dem Vorjahr entspricht.

Anlageberatungsgebühren

Die Anlageberatungsgebühren brachten der Bank im Jahr 2022 einen Umsatz von 62,5 Millionen US-Dollar ein.

Erträge aus kommerziellen Bankdienstleistungen

Die Einnahmen aus kommerziellen Bankdienstleistungen erreichten im Jahr 2022 145,6 Millionen US-Dollar.

Servicetyp	Umsatz ($)
Treasury-Management-Dienstleistungen	76,3 Millionen
Kontoführungsgebühren	42,1 Millionen
Zahlungsabwicklung	27,2 Millionen

Hinweis: Die Finanzdaten spiegeln die Leistung vor dem Abschluss im Jahr 2022 wider.

Signature Bank (SBNY) - Canvas Business Model: Value Propositions

The value propositions for the Signature Bank (SBNY) receivership, managed by the Federal Deposit Insurance Corporation (FDIC), center on the orderly wind-down and maximization of returns from the remaining assets following the closure on March 12, 2023.

Orderly disposition of assets to minimize disruption to the financial system

• The majority of deposits and certain loan portfolios were transferred to Signature Bridge Bank, N.A., which subsequently entered a purchase and assumption agreement with Flagstar Bank, National Association, a subsidiary of New York Community Bancorp, Inc..
• The initial transfer to Flagstar Bank involved an assumed asset discount of $2.70 billion.
• The FDIC-R retained substantially all of Signature Bank's multifamily loans, over 2,800 loans totaling in excess of $20 billion as of July 2023.
• A specific portfolio of 201 capital call line loans, valued at $18.5 billion, was offered for sale in four pools.

Maximizing recovery for the Deposit Insurance Fund (DIF) and creditors

The FDIC's statutory obligation is to maximize the net present value return from asset disposition and minimize losses to the DIF. The initial estimated cost of failure to the DIF was approximately $2.5 billion as of March 19, 2023.

Metric	Amount/Value	Date/Context
Initial Estimated Cost to DIF	$2.5 billion	As of March 19, 2023
Total Estimated Cost (SVB & SBNY)	Around $18.7 billion	As of early 2024
Loss Attributable to Uninsured Depositors (Total)	$18.9 billion	As of September 30, 2024
Total Assets (SBNY Year-End)	$110.4 billion	As of December 31, 2022

Providing a final, structured return to the residual SBNY shareholders

Shareholder interest in the Signature Bank Receivership is subordinate to all proven claims against the Signature Bridge Bank Receivership. A final return is contingent upon sufficient proceeds from asset liquidation to fully pay all proven claims.

• The Signature Bank Receivership is the lone shareholder of the Signature Bridge Bank Receivership.
• The FDIC owns plaintiff's claims pursuant to the succession provision of FIRREA, which dictates the priority scheme for satisfying outstanding obligations.

Maintaining continuity for borrowers on the retained loan book

Borrowers with loans retained by the FDIC-R remain legally obligated to repay according to their original loan agreement terms. The FDIC-R committed to operating the receivership consistent with its statutory obligations.

• Borrowers should continue making payments using the same process as prior to the failure.
• The FDIC-R retained over 2,200 multifamily loans collateralized by rent-stabilized or rent-controlled properties, with an aggregate balance in excess of $15 billion.
• Capital call line loan spreads were generally between 175 and 200 basis points over the benchmark rate.

Transparency for the FDIC's estimated $2.5 billion cost of failure

The initial estimated cost of failure to the DIF was approximately $2.5 billion as of March 19, 2023. The FDIC is statutorily required to recover losses through a special assessment on insured depository institutions (IDIs).

• The special assessment to recover losses from the failures of SBNY and Silicon Valley Bank was finalized, largely based on uninsured deposits reported for the quarter ended December 31, 2022.
• The FDIC's April 2025 waiver of certain resolution plan content requirements, including bridge bank strategy analysis, suggests an ongoing refinement in resolution execution transparency.

Finance: draft the next status update on asset disposition proceeds by next Tuesday.

Signature Bank (SBNY) - Canvas Business Model: Customer Relationships

The relationships for the entity formerly known as Signature Bank (SBNY) are now defined by the receivership process managed by the Federal Deposit Insurance Corporation (FDIC), which was appointed Receiver on March 12, 2023, by the New York State Department of Financial Services (NYSDFS).

Formal, legal relationship with the FDIC as the primary decision-maker

The FDIC acts as the primary decision-maker for the disposition of remaining assets and liabilities. The FDIC's supervision of Signature Bank (SBNY) was the agency's responsibility prior to closure.

• FDIC appointed Receiver on March 12, 2023.
• The receivership reports known assets and estimated liabilities as of the report date.
• The receivership's shareholder interest in the Signature Bridge Bank Receivership is subordinate to all proven claims.

Transactional relationship with buyers of the loan portfolios

The initial transfer involved a purchase and assumption agreement with Flagstar Bank, National Association, a wholly owned subsidiary of New York Community Bancorp, Inc.

Asset Category	Amount Transferred (as of March 20, 2023)	Discount to Carrying Value
Total Assets Transferred	$38.4 billion	$2.7 billion
Loans Purchased	$12.9 billion	N/A

Approximately $60 billion in loans remained in the receivership for later disposition by the FDIC as of March 20, 2023.

Claims management and communication with the former bank's creditors

Claims against the receivership are recorded as liabilities if proven to the satisfaction of the receiver and may receive a distribution as assets are liquidated. The following data reflects the status of claims as of August 1, 2025.

Claimant Type	Claim Balance	Percentage of Claim Unpaid Remaining
Total Unpaid Deposit Claims	$130,416	0 %
General Creditor	$34,178	6 %
Subordinated Debt Holders	$583,375	94 %
Total Unpaid Other Claimants	$617,553	100 %

General unsecured creditors who provided goods or services prior to March 12, 2023, may file a claim against the FDIC as Receiver.

Limited, formal communication with residual SBNY shareholders (OTCPK: SBNY)

Shareholders were not protected in the initial resolution, and the Signature Bank Receivership's interest as the lone shareholder of the Signature Bridge Bank Receivership is subordinate to all proven claims against the Signature Bridge Bank Receivership.

• Shareholders will only receive distribution if sufficient proceeds remain after all proven claims against the Signature Bridge Bank Receivership are fully paid.

Managed relationship with borrowers on the retained loan assets

Loan customers were instructed to continue making loan payments as usual to Signature Bridge Bank, N.A. following the closure.

• The FDIC, as receiver, manages the liquidation of assets retained in the receivership, which included approximately $60 billion in loans as of March 2023.
• Loan payments continue to be managed under the receivership structure until final disposition of the retained assets.

Finance: review August 1, 2025 FDIC Receivership Summary for updated asset liquidation progress by end of Q4 2025.

Signature Bank (SBNY) - Canvas Business Model: Channels

You're looking at how the remnants of Signature Bank (SBNY) interact with the world now that the bank is closed. It's less about customer acquisition and more about asset disposition and legal finality. Here's the quick math on the channels the FDIC, as Receiver, uses to manage the wind-down.

FDIC's official receivership website and public filings are the primary public-facing channel for information flow. The FDIC provides the Signature Bank Receivership balance sheet summary, which reported known assets and estimated liabilities as of August 1, 2025. Furthermore, the FDIC released the public sections of informational filings that were due by October 1, 2025. These filings give stakeholders a view into the receivership's progress.

The channel for resolving creditor claims is strictly defined by regulatory deadlines and statutory priority. The Claims Bar Date for many parties was set at 07/17/2023. For residual claimants, the priority waterfall dictates the flow of funds, with subordinated debt holders showing an unpaid claim balance of $583,375, representing 94% of the Total Unpaid Other Claimants, which stood at $617,553 as of August 1, 2025.

Here are the key financial metrics related to the asset disposition channels:

Asset/Claim Category	Channel Partner/Mechanism	Value/Stake	Date/Status Reference
Commercial Real Estate (CRE) Loans	Blackstone-led JV (Hancock JV Bidco L.L.C.)	$1.2 billion for a 20% equity stake in a venture holding $16.8 billion in loans	December 2023 transaction
Rent-Regulated Apartment Loans	Santander Bank	$1.1 billion for a 20% stake in a venture holding $9 billion in loans	Final transaction reported
Other Funded Loans	Goldman Sachs and PNC Bank	$18.5 billion in more than 200 funded loans	October 2023 sale
Total Initial Retained Portfolio	FDIC Receivership	Approximately $60 billion of loans retained after initial transfer to New York Community Bancorp	Post-failure retention
Subordinated Debt Holders Unpaid Claim	FDIC Receivership Priority Waterfall	$583,375 (94% of Other Claimants)	As of August 1, 2025

Investment banks and brokers for loan portfolio sales were critical in executing the asset sales. Newmark & Company Real Estate, Inc. (Newmark) was retained as an advisor for the marketing process of the retained loan portfolio. For the $16.8 billion CRE portfolio, the Blackstone-led joint venture, which included Rialto Capital, paid $1.2 billion for a 20% equity interest. Rialto Capital will act as the loan servicer and operating partner for this venture.

Legal and regulatory channels for claims and court proceedings are managed by the FDIC as Receiver for Signature Bank, N.A., and Signature Bridge Bank, N.A.. A significant recent channel event was the court ruling in Gotlib v. Federal Deposit Ins. Corp. on August 11, 2025, where the court granted the FDIC's motion to dismiss a breach of contract claim, finding that the initial receivership transfer and subsequent joint venture transactions did not trigger a right of first refusal. Subordinated debt holders and stockholders, unlike other claimants, are not required to file a claim with the FDIC.

The residual OTCPK trading platform for the residual SBNY stock remains an active, albeit small, channel for equity holders. Signature Bank (SBNY) trades on the OTC Markets stock exchange. As of December 5, 2025, the stock price was $0.78. The market capitalization found as of December 4, 2025, was $41.77 million, which is the latest verifiable number, though the context mentions a market cap of $4.41 billion at the time of failure.

Direct communication via sub-servicers for loan management is established for the sold loan pools. For the $16.8 billion CRE portfolio, Hancock JV Bidco L.L.C. (indirectly controlled by Blackstone) is responsible for the management, servicing, and liquidation of the Venture's assets, subject to FDIC oversight. For the $9 billion rent-regulated apartment loan pool sold to Santander Bank, Santander itself will be responsible for collecting payments on those loans.

Finance: review the August 1, 2025, Receivership Balance Sheet for updated asset liquidation progress by end of Q4 2025.

Signature Bank (SBNY) - Canvas Business Model: Customer Segments

You're looking at the segments that interact with the Signature Bank receivership, which is a very different set of customers than the bank had before March 12, 2023. Honestly, these segments are mostly counterparties in the wind-down process, not active clients.

The FDIC's Deposit Insurance Fund (DIF)

The DIF is the ultimate backstop, and its health is relevant to the overall resolution environment. As of the third quarter of 2025, the Deposit Insurance Fund balance reached $150.1 billion. This represented a reserve ratio of 1.40%, up four basis points from the previous quarter. This balance increased by $4.8 billion in Q3 2025, driven primarily by assessment revenue of $3.3 billion. The fund is projected to reach the statutory minimum of 1.35% by the end of 2025. The total number of insured banks was 4,421 as of Q2 2025. The FDIC deployed 212 contract actions valued at $450 million to facilitate the resolution of Signature Bank and two other large failures.

Creditors and counterparties of the failed bank

These groups hold proven claims against the receivership estate. At the time of failure, Signature Bank had total deposits of $88.6 billion as of December 31, 2022. Of this, approximately $83.5 billion was held in accounts with balances exceeding the $250k insurance limit. The average balance in these uninsured deposit accounts was about $3 million. The FDIC transferred substantially all assets and deposits to Signature Bridge Bank, N.A., which was later sold to Flagstar Bank, N.A. The receivership balance sheet summary, as of August 1, 2025, reports known assets and estimated liabilities, where proven claims are recorded as liabilities that may receive a distribution.

• Total deposits at failure (Dec 31, 2022): $88.6 billion.
• Estimated uninsured deposits (Dec 31, 2022): Approximately $83.5 billion.
• Proven claims are recorded as liabilities on the receivership balance sheet summary as of August 1, 2025.

Residual shareholders of the former holding company (OTCPK: SBNY)

Equity holders, including common and preferred shareholders of the former holding company, are at the bottom of the statutory payment waterfall. Initially, recovery was penciled in at zero. However, the subsequent sales of retained loan portfolios have created a potential residual value. If the recovery rate on the remaining loan book exceeds 85%, there is a possibility of funds being left over for bondholders, preference shares, and ordinary shares. The stock traded as low as 0.22 cent before rallying on recovery hopes.

Institutional investors and banks acquiring loan portfolios

These entities are major counterparties in the asset disposition strategy managed by the FDIC. The initial retained loan portfolio was approximately $60 billion.

Acquirer Group/Bank	Portfolio Type/Description	Approximate Value/Bid Amount	Date of Transaction (Reported)
Goldman Sachs and PNC Bank	Funded loans (over 200 loans)	$18.5 billion (Sold)	October 2023
Blackstone-led JV (with Rialto Capital and CPPIB)	Commercial Real Estate Loans	$1.2 billion for a 20% stake in a venture holding $16.8 billion in debt	December 2023
Santander Bank	Rent-Regulated Apartment Loans	$1.1 billion for a 20% stake in a venture holding $9 billion in loans	December 2023

Following these transactions, the FDIC indicated it retained about $30 billion worth of Signature loans on its books, though the CRE portfolio was stated as sold. The FDIC received common stock potentially worth $300 million in the initial Bridge Bank transaction.

Borrowers whose loans were retained in the receivership

Borrowers whose loans were not immediately sold to Flagstar Bank, N.A., or in the subsequent portfolio sales, now deal with the FDIC as the receiver or the loan servicer appointed by the FDIC. The initial retained portfolio was comprised primarily of commercial real estate (CRE) loans, commercial loans, and a smaller pool of single-family residential loans, totaling approximately $60 billion. Santander Bank is responsible for collecting payments on the $9 billion rent-regulated apartment loan portfolio stake it purchased. Rialto Capital acts as the loan servicer and operating partner for the $16.8 billion commercial real estate debt portfolio stake acquired by the Blackstone-led venture. Loan customers were instructed to continue making payments as usual to the successor entity.

• Initial retained loan portfolio size: Approximately $60 billion.
• Rent-regulated apartment loans sold stake: $9 billion portfolio.
• Commercial real estate loans sold stake: $16.8 billion portfolio.

Signature Bank (SBNY) - Canvas Business Model: Cost Structure

The cost structure for Signature Bank (SBNY) as of late 2025 is dominated by the ongoing management and liquidation of assets retained by the Federal Deposit Insurance Corporation (FDIC) in its role as receiver.

Significant legal and administrative fees for the receivership process continue to be incurred as the FDIC works through complex asset sales and claim resolutions. While specific 2025 expense figures are not publicly itemized for this component, these costs are factored into the overall receivership expenses necessary to maximize asset recovery.

The servicing and management of the retained assets represent a major ongoing cost. The FDIC retained a substantial portion of the loan book for disposition after the initial transaction with Flagstar Bank, National Association.

Cost Component Basis	Reported/Estimated Amount
Total Loans Retained in Receivership	Approximately $60 billion
Initial Estimated Cost to FDIC Deposit Insurance Fund (DIF)	$2.5 billion
Deposits Related to Digital-Asset Business Retained	About $4 billion
Asset Discount on Initial Transfer to Flagstar Bank	Reportedly $2.7 billion
Total Estimated Cost Attributable to Uninsured Depositors (SVB & SBNY combined, as of Nov 2023)	Approximately $16.3 billion

Loan servicing and asset management costs for the retained $60 billion portfolio include expenses for property management, legal enforcement on non-performing loans, and advisory fees for the sale process. For instance, Newmark & Company Real Estate Inc. was retained as an advisor to help offload the retained loan portfolio.

Personnel costs for the FDIC's resolution team and contractors are necessary to manage the receivership, including specialized staff and external advisors engaged for asset valuation and disposition strategies. These costs are drawn from the receivership estate before any distribution to the FDIC or other claimants.

The estimated $2.5 billion cost to the FDIC's Deposit Insurance Fund (DIF) remains the benchmark figure for the loss incurred due to the systemic risk exception used in the resolution. The FDIC is recovering this loss through special assessments on large banks, with an estimated $18.9 billion total cost attributable to protecting uninsured depositors from both Signature Bank and Silicon Valley Bank as of September 30, 2024, to be collected over ten quarterly assessment periods.

Costs associated with winding down the digital asset business infrastructure are also a factor. The $4 billion in deposits related to the digital-asset business were not assumed by Flagstar Bank and remained in receivership, requiring specific administrative and wind-down procedures separate from the main commercial loan book.

• The receivership estate is subordinate to all proven claims against the Signature Bridge Bank Receivership.
• As of December 31, 2022, Signature Bank reported total assets of $110.4 billion and total deposits of $88.6 billion.
• The FDIC has borrowing authority of $100 billion from the Department of the Treasury if the DIF requires additional funding.
• The special assessment to recover DIF losses is being collected at an annual rate of 13.4 basis points under the final rule.

Signature Bank (SBNY) - Canvas Business Model: Revenue Streams

You're looking at the final stages of asset realization for the Signature Bank (SBNY) receivership, so the revenue streams aren't about new lending anymore; they are about clawing back value from the assets the FDIC took over back in March 2023.

The core of the remaining value realization centers on the disposition of assets that weren't immediately sold to Flagstar Bank. As of the initial transfer, approximately $60 billion in loans remained in the receivership for later disposition by the FDIC.

Here's a breakdown of the specific financial components driving the final returns:

• Proceeds from the sale of the retained loan portfolios.
• Interest income generated from the remaining $60 billion loan book.
• Recovery of assets to offset the FDIC's estimated $2.5 billion loss.
• Potential value from the residual equity appreciation rights held by the FDIC.
• Final distribution of residual value to the SBNY holding company.

The disposition of the loan book has seen several major transactions already. For instance, a significant portion of the Commercial Real Estate (CRE) loans was handled via a joint venture structure. In December 2023, Hancock JV Bidco L.L.C. paid $1.2 billion for a 20 percent equity interest in the entity holding $16.8 billion of those CRE loans. As part of that deal, the FDIC-Receiver also received a purchase money note in the original principal amount of approximately $6 billion.

Another major component was the sale of private equity subscription credit facilities. PNC Bank acquired a portfolio worth approximately $16.6 billion, which included $9 billion in funded loans, in October 2023. Customers Bank also purchased a $631 million loan book linked to venture capital funds in June 2023.

The initial estimated cost of failure to the Deposit Insurance Fund (DIF) was approximately $2.5 billion as of March 2023. The goal of these asset sales is to recover funds to offset that initial cost and any subsequent losses realized during liquidation. The latest available receivership balance sheet summary, dated June 30, 2025, shows Total Assets of $189,133 (in $000's), consisting mainly of Cash and Investments of $76,217 and Due from FDIC Corp and Receivables of $112,916 (all in $000's). This suggests most of the large loan book assets have been moved out of the direct receivership asset line item, likely into the receivables or realized cash accounts following sales.

The equity appreciation rights (EACs) represent another potential, albeit subordinate, revenue stream. The FDIC received EACs with a potential value of up to $300 million in New York Community Bancorp, Inc. common stock, which were exercised in March 2023.

The final distribution to the SBNY holding company is contingent on all proven claims against the receivership being paid first. If sufficient proceeds remain after paying all proven claims against the Signature Bridge Bank Receivership, the funds flow up to the Signature Bank Receivership as the sole shareholder of the Bridge Bank Receivership, which then becomes part of the final distribution pool.

Here are the key figures associated with the asset disposition process:

Asset/Stream Component	Associated Value/Amount	Status/Context (Based on latest data)
Initial Retained Loan Book	Approximately $60 billion	Original amount retained in receivership for disposition.
FDIC Estimated Cost of Failure	Approximately $2.5 billion	Estimated cost to the DIF as of March 2023.
CRE Equity Stake Sale Proceeds	$1.2 billion	Paid for a 20 percent equity interest in the CRE venture (Dec 2023).
CRE Venture Financing Note	Approximately $6 billion	Purchase money note issued to the FDIC-Receiver (Dec 2023).
Private Equity Loan Book Sale (PNC)	Approximately $16.6 billion	Acquired loan book value (Oct 2023).
FDIC Equity Appreciation Rights (EACs) Potential Value	Up to $300 million	Potential value in NYCB common stock.
Receivership Total Assets (June 30, 2025)	$189,133 thousand	Current balance of cash and receivables in the receivership.

The interest income stream would have been generated from the servicing of the retained loans before they were sold or resolved, contributing to the cash balance reported as of June 30, 2025. The ability to generate further interest income from the $60 billion book depends entirely on how much of that book remained unliquidated as of the latest reporting date. Any recovery of assets to offset the $2.5 billion loss is now realized through the proceeds of these sales.

Finance: draft final asset recovery reconciliation by end of Q3 2025.