Three US banks have collapsed in the past week.

Two of them, Silicon Valley Bank and Signature Bank have been taken over by authorities.

So how big is the risk of further spike effects?

- There are probably a couple of other banks in the US that may have problems today or at the beginning of the week, but there is little risk that this will spread to Sweden, says Bo Becker, professor at the School of Economics.

Is there a risk that the concerns will spread to other sectors?

- There was a concern that many of the companies in the tech sector that use this bank would withdraw their money in a panic.

But since all deposits are guaranteed since Sunday evening, I think there is a fairly low risk of such a panic reaction during the day.

Do everything you can to prevent a bank rush

The largest of the crashed banks is Silicon Valley Bank, which recently had assets of around SEK 2,200 billion, which then made it the 16th largest bank in the United States.

The bank has worked a lot against the tech sector, which is now doing poorly, while at the same time having major problems when interest rates have risen, which has lowered the value of the bank's bond portfolio.

Since Sunday evening, all deposits are guaranteed in Silicon Valley Bank, which means that even deposits above the legal limit of $250,000 are protected.

The authorities are therefore doing everything to prevent panic and a so-called bank rush where all customers want to withdraw their money at the same time, which can set the financial system in motion.

At the same time, the shareholders – including Swedish Alecta – are not protected when banks fail.

"Banks learn that risks don't cost"

The fact that American authorities have now taken over troubled banks at the same time as the customers' deposits are guaranteed, Bo Becker sees both advantages and disadvantages with:

- This means that there will be more peace and quiet today and less risk of panic.

The disadvantage is possibly that other banks learn that it costs nothing to take a large risk and this may mean that there may be more risk-taking in the future.