The situation described in your message highlights the importance of regular monitoring and risk management in the banking sector. Risk management in banking plays a decisive role in ensuring financial stability and preventing crisis situations.

Joseph Kalomiris and Charles Kaufman in their book "Banking Crises: Causes, Diagnosis, and Treatment" emphasize that one of the main factors leading to banking crises is the lack of effective risk management and control of bank assets.

Changes in the bank's management and strategy to improve risk assessment and strengthen capital could help NYCB avoid bankruptcy. However, it is also necessary to consider the potential impact on the financial system as a whole, since the problems of one bank can cause a chain reaction and affect other financial institutions.

In this situation, it is important that the bank carries out a comprehensive restructuring of its assets, improves risk control and monitoring mechanisms, and also takes measures to restore the confidence of clients and investors.‎