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On March 24, 2015, the chief executive officer of SVB Financial Group Inc., the parent company of Silicon Valley Bank, was testifying to a US Senate committee. His goal was to provide evidence in support of raising the threshold of USD50 billion in assets, for Silicon Valley Bank's application for enhanced prudential standards under the Dodd-Frank Act. Silicon Valley Bank was above the threshold of USD10 billion for some enhanced prudential standards, and close to the USD50 billion cut-off for the full array of enhanced prudential standards. By the end of 2021, Silicon Valley Bank still fell below strict scrutiny from the enhanced prudential standards, despite having experienced rapid growth since the US Senate testimony. With the rapid growth of its deposits, the bank was facing a dilemma. Given the nearly zero rates on short-term bonds as of the end of 2021, should Silicon Valley Bank chase the higher yields provided by longer-term bonds and accept higher interest rate risk? What risk management practices should the bank follow? With its deposit base largely uninsured, would the bank's risk exposure become an issue?