I Want To Be a Rich Man on Hong Kong Island

Wu Guangyao has rarely come to the headquarters of HSBC Bank. Instead, HSBC executive Sanders often visits Wu Guangyao's office.

In Sandas's office, Wu Guangyao was carefree, sipping Huaxia tea with his legs crossed;

Sanders is also used to it. Apart from their working relationship, they are also good friends in private.

This time, when Wu Guangyao entered the banking industry, he was not afraid of any cracks with HSBC;

Because, at this time, HSBC has been tightly bound by the Universal Group;

Not to mention Wu Guangyao opening a new bank, even if Wu Guangyao acquired a medium-sized bank, HSBC would superficially support it.

Moreover, it is impossible for Wu Guangyao's bank to obtain the right to issue banknotes from the Hong Kong government;

Also because of Wu Guangyao's Chinese identity, it is difficult for the bank to grow outside of Hong Kong Island;

Therefore, HSBC must believe that Wu Guangyao's bank is no threat, just like other Chinese banks.

The other side of unwillingness to offend Wu Guangyao is the huge profit that Universal Group can bring to HSBC every year, which is much higher than the profit of HSBC Bank;

Calculated according to the profit of global shipping in the latest year, the total is 330 million US dollars, and the profit belonging to HSBC is about 70 million US dollars, which does not include the profits brought by the terminal and aviation industry;

As far as Wu Guangyao knows, this profit is the annual profit level of HSBC after seven years.

At this time, the annual profit of HSBC Bank is probably only 40 to 50 million US dollars!

Therefore, HSBC must not dare to offend Wu Guangyao, otherwise Wu Guangyao will have a way to kick them out!

It is precisely because Wu Guangyao has become the most important ally of HSBC, so in the spring of last year, Wu Guangyao became a director of HSBC and the first Chinese director of HSBC.

Of course, this director is more of a badge of honor!

"You took the initiative to come to the door this time, do you have anything important to tell me?" Sandas said first.

Wu Guangyao put down his teacup, looked at Sanders and said, "Well, I want to set up a bank, so I want to learn from you!"

Sandas was stunned, and quickly realized,

He opened his mouth and said: "I must know everything! When do you plan to establish it, do you need our help?"

Now Wu Guangyao was in a daze and said, "What's your attitude within HSBC regarding this matter?"

Sandas smiled confidently: "Don't say that your bank has not been seen yet, even if your bank has developed into a large bank among Chinese-funded banks, we at HSBC will not suppress it; we will not easily offend you. In fact, we have also discussed within HSBC whether you will set up a bank, obviously everyone has foreseen that you will not be left behind in this industry."

Wu Guangyao nodded, it was exactly what he thought!

"I poached a person from your HSBC Bank, Li Jia from the loan project department, and I didn't touch the others!" Wu Guangyao said jokingly.

"Then I have to thank you for being here! Otherwise, with your wealth, I, the senior class, would have thought of leaving with you! I remember that Li Jia is your friend, it seems that you are always very good to friends!" Sundas was obviously joking, but it wasn't all a joke. After all, if Wu Guangyao really wanted to poach people from HSBC, it would be quite easy.

Wu Guangyao nodded, and the two communicated for a while before Wu Guangyao got up and left.

After Wu Guangyao left, Sandas murmured to himself: "Maybe, he will really have a great achievement in the banking industry! But during my tenure, his bank will not develop too much and reach The degree to which HSBC is afraid. On the contrary, he is crucial to my achievements during my tenure, so I will not let HSBC and him have a rift."

At this time, HSBC has not really received real money from Universal Group, and is still investing in it one after another;

Therefore, the opinions of HSBC are very unified, that is, to express support for Wu Guangyao's opening of the bank on the surface!

 …

It suddenly broke out on Hong Kong Island that Wu Guangyao was applying for a banking license from the Hong Kong government, which caused a big wave in Hong Kong and Kowloon.

Hang Seng Bank

"I knew he had always had ambitions for the banking industry, but I never thought he would hold back until today!" Li Guowei said.

"Guowei, why do you say he is forbearing?" He Shanheng asked puzzled.

He Tian also pricked up his ears. Li Guowei is young and strong, with a unique vision, and everyone still trusts him.

"First, Goh Kuan Yew has always had the support of HSBC. He may not want to annoy HSBC in this regard; now that the time is ripe, he can naturally open his own bank."

"Second, he insisted on investing in Hang Seng, so he might not have other ideas!"

He Shanheng waved his hand and said: "Whether he has ideas or not, I still trust Guangyao's character, at least he will not make malicious acquisitions or indiscriminate acquisitions; otherwise, it will damage his reputation in Hong Kong Island. "

He Tian also said: "To be honest, I guess he is optimistic about our Hang Seng Bank, or the ability of the few of us, and make a long-term investment. Even if he has an idea about Hang Seng Bank, it should be an upright acquisition!"

Li Guowei did not expect that the two elders of Hang Seng would have such a high opinion of Wu Guangyao, but it is normal to think about it!

Wu Guangyao is a well-known philanthropist in Hong Kong Island, and there are not many Hong Kong residents who have benefited from him.

"Since the two of you said this, then he may want to form a banking alliance by buying shares, so that everyone can make progress together!" Li Guowei said, no matter what he said, Wu Guangyao's attitude at the beginning made Li Guowei I feel that Wu Guangyao must have a purpose to invest in Hang Seng Bank.

"It's possible! But it's nothing. There are dozens of Chinese-funded banks in Hong Kong Island. Everyone has some business contacts, and it's normal to form an alliance." He Shanheng said in agreement.

.........

The bank that Wu Guangyao intends to establish is called "Everbright Bank", and its headquarters is located in an old commercial building on Stanley Street in Central.

This commercial building is owned by Changshi Real Estate. It has been fully renovated half a year ago and is waiting for the bank's preparations.

The commercial building has already put up a big signboard, and the four characters of "Everbright Bank" are very eye-catching.

At present, the bank license is still being applied for, which is not difficult. At this time, it is very easy to apply for a Hong Kong Island bank license;

It was not until the 1980s that it was difficult to obtain a banking license.

In the office of China Everbright Bank, Wu Guangyao received the banker who came from the United States. He was Andre from Citibank introduced by Morse.

Andrei is tall, slightly bald, with a confident air about his face.

And Wu Guangyao gave him a very high salary, a salary of 100,000 US dollars, 2 months of maternity leave every year, and enjoy year-end dividends.

"Andrei, what I need is a bank with a standardized system and in line with the conditions of Hong Kong Island, so you have to work hard in this area; I will give you the position of chairman of China Everbright Bank, and a Chinese banker will be your partner later. , His position is the general manager of China Everbright Bank. You are responsible for a comprehensive strategy formulation, and he is responsible for the actual operation." Wu Guangyao said.

Andri nodded seriously, and said, "Boss, is our bank a commercial bank, an investment bank, or a mixture of the two?"

In the United States, commercial banks and investment banks have been separated since the Great Depression in the 1930s; ****.

In Europe, investment banks and commercial banks have always been mixed, so many so-called "universal banks" or merchant banks have been formed; such as Deutsche Bank, ABN Amro, UBS, Credit Suisse and so on.

Wu Guangyao thought for a while and said, "Everbright Bank is a commercial bank, but in the future it will develop Everbright Securities and Everbright Insurance, and then it will be a three-in-one financial group company. Don't worry, the stage will be as big as your heart is!" "

"Boss, you misunderstood me. In fact, what I am best at is managing commercial banks!" Andri said honestly.

Wu Guangyao nodded, this is the kind of talent he needs.

Andrei quickly adapted to the environment of Hong Kong Island. While working, he conducted research on the banking industry of Hong Kong Island.

The general manager of Everbright Bank is Lei Hong, a local banker in Hong Kong Island, who is only 30 years old.

Lei Hong was originally from Dongya Bank, and Wu Guangyao belonged to the prying corner, but this is perfectly normal, and it's not like he hasn't been pried before.

It will take time to prepare the bank. Apart from Andri and Lei Hong, Wu Guangyao transferred several managers from his subsidiaries;

Although they are not from the banking industry, banks also have general departments, such as administrative and logistics departments.