WaMu was seized after a 9-day run took $16.7 billion of deposits
Washington Mutual (WaMu) · Savings bank (listed)
The case in brief
Visible before detection
Checks that could have surfaced it, on hindsight
Operating-metric verification
Would have tracked negative amortisation on option ARMs.
Can mislead when: Contract staff do not appear in EPFO. Vahan access needs licensed APIs. Some businesses have no physical trace.
Unit economics & burn
Would have stress-tested losses against capital.
Can mislead when: Cost allocation is a judgement call. Kubr shows its assumptions and lets the user change them.
Bank credits vs books
Would have watched deposit outflows.
Can mislead when: AA only sees the accounts the company links, so an undisclosed account stays invisible. Cash-heavy businesses and timing differences create false flags.
Where Kubr services would have helped
Financial diligence
Offered in India- C1 Would have watched deposit outflows.
- C9 Would have stress-tested losses against capital.
- C10 Would have tracked negative amortisation on option ARMs.
Model check
Offered in India- C1 Would have watched deposit outflows.
- C9 Would have stress-tested losses against capital.
- C10 Would have tracked negative amortisation on option ARMs.
Valuation context
Offered in India- C9 Would have stress-tested losses against capital.
Portfolio monitor
Offered in India- C1 Would have watched deposit outflows.
- C10 Would have tracked negative amortisation on option ARMs.
Mapped from the checks each service runs. A hindsight reading of public records, not a promise that the failure would have been found.
Same pattern
A summary of public documents. It reports what the sources say. It is not Kubr's finding and not a statement of guilt.