The article introduces a model to test how well banks can handle financial crises. It looks at how shocks in the market and funding can affect banks' ability to access money. The model considers how different banks react to these shocks and how it can impact their reputation. By using a simulation method, the model shows that the effects of these shocks can be more severe than initially thought, affecting all types of banks. This suggests that there is a risk to the overall financial system. The findings support the idea that banks should have more money set aside to deal with these risks, which could help prevent future financial crises.