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@article{190951,
        author = {Abhidha Verma and Jeewesh Jha},
        title = {Unraveling the Collapse: The Key Drivers Behind the Silicon Valley Bank and First Republic Bank Bankruptcies},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {4271-4280},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190951},
        abstract = {This paper examines the key factors that led to the bankruptcies of Silicon Valley Bank and First Republic Bank. Using financial statements from a sample of banks with a similar business model to Silicon Valley Bank, we analyze data from 2006 to 2022. Bank Efficiency is estimated using the Data Envelopment Analysis (DEA) technique, serving as a foundational metric for assessing failures within the sample banks. According to the CAMEL model, macroeconomic variables were found to be non-significant, while critical drivers of failure included Bank Efficiency, Capital Adequacy, Earning Ability, and Liquidity Position Ratio. Our findings provide valuable insights for policymakers aiming to prevent future bank failures.},
        keywords = {DEA Silicon Valley Bank CAMEL Model},
        month = {January},
        }