I Want To Be a Rich Man on Hong Kong Island

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In the conference room of China Everbright Bank, Wu Guangyao held a high-level meeting of the bank;

The meeting was attended by Andri, Chairman of China Everbright Bank, Lei Hong, General Manager of China Everbright Bank, Morse, CEO of Family Office and others.

Although China Everbright Bank has already held 67% of Hang Seng Bank's shares, the management rights are still handed over to He Shanheng, Li Guowei and others, and they only perform supervision and overall planning responsibilities!

He Shanheng is expected to retire in one or two years, and Li Guowei will take over at that time;

And Li Guowei himself was an excellent banker, so naturally Wu Guangyao would not touch him.

However, the management team of Hang Seng Bank is not Wu Guangyao's cronies after all, so there was no notice of the bank meeting.

The meeting begins.

Wu Guangyao asked Lei Hong: "Chen Songqing, have you had any contact with him?"

From hairstyle to dress, Lei Hong fully demonstrated his identity as a banker—rigorous and meticulous;

This kind of character is Wu Guangyao's favorite, and Everbright Bank itself needs to develop steadily!

Lei Hong said seriously: "In December last year, he and Zhong Zhengyi came to the door together, hoping to get a loan from China Everbright Bank! Originally, I refused the loan because Chen Songqing was not well-known, and he didn't have many fixed positions in Hong Kong Island. The assets are mortgaged; however, Zhong Zhengyi said that he not only used it as a guarantee, but also used Zhong's property as a mortgage, so I agreed to a loan of 50 million Hong Kong dollars!"

I didn't check for a while, but Chen Songqing succeeded!

Lei Hong didn't do anything wrong, because the Zhong family is a well-known big family on Hong Kong Island, with assets of at least one billion Hong Kong dollars.

Zhong Zhengyi! Zhong Zhengyi!

It's a pity, you will be ruined by this big fool Chen Qingsong, and your family will be ruined!

Wu Guangyao nodded and said, "Since the loan has been borrowed, it can be recovered within three years! But in the future, whenever Chen Qingshan borrows money, he will find a reason to refuse it, and the same is true for Hang Seng Bank!"

Lei Hong thought in his heart that Chen Songqing had offended the boss somewhere, so he didn't ask why;

"Well, I will notify Hang Seng Bank!"

"Keep it secret!"

"Okay, boss!"

On Hong Kong Island, Hang Seng Bank and China Everbright Bank had the least bad debts, which made many bankers secretly sigh at Wu Guangyao's vision!

The real estate and securities industries account for about 50% of Hong Kong Island's bank loan business;

Relying on Wu Guangyao's advice, the two banks tightened their lending before real estate/securities plummeted;

Before real estate/securities premium, a large amount of loans are issued;

Once you come and go, you will naturally have a lot less bad debts!

Wu Guangyao said to everyone in the conference room: "From now on, our Everbright Financial Department will have a global presence; especially the banking industry, we must vigorously develop, mainly by taking shares and acquiring banks in other countries; Japan, Canada, the United Kingdom, the United States, Australia and other countries are all in our consideration."

When everyone heard this, they immediately looked excited. China Everbright Bank is finally going out of Hong Kong and stepping into the world!

China Everbright Bank is solely owned by the Wu family, so there is no financial pressure;

The working capital of the Wu family has reached tens of billions of dollars;

Several major banks in the United States are only a few billion dollars in value, but they will not sell them to themselves!

Andri suggested: "Standard Chartered Bank is a good choice. Although Standard Chartered Bank's main business is in Asia, it has the right to issue banknotes in Hong Kong, and can also use Standard Chartered Bank to enter the UK to conduct business!"

Standard Chartered Bank is one of the oldest banks in Hong Kong, and was one of the two note-issuing banks in Hong Kong before Bank of China obtained the right to issue notes in 1994;

Although Standard Chartered Bank is a British-funded bank, it has been regarded as a Hong Kong bank in the eyes of Hong Kong people, and it has a special feeling of intimacy.

However, in the previous life, Bao Yu had just uploaded a somersault in Standard Chartered, which made Wu Guangyao never think about getting involved in Standard Chartered Bank;

In the previous life, in 1986, British Lloyds Bank launched a hostile takeover of Standard Chartered Bank, facing threats from the UK,

Hong Kong businessmen headed by Bao Yugang acted as "white knights" and bought the shares of Standard Chartered Bank to help Standard Chartered resist the acquisition of Lloyds Bank;

But when the enemy of Lloyds Bank gave up, Bao Yugang's dream of becoming a bank came to an abrupt end;

Although Bao Yugang is the absolute majority shareholder of Standard Chartered Bank (15% of the shares), Standard Chartered Bank has already been run by the British like an iron bucket;

Bao Yugang and others can't even exercise the rights of shareholders (directors), let alone the rights of major shareholders!

In the end, the story of "The Farmer and the Snake" was staged, and Bao Yugang had no choice but to sell the shares of Standard Chartered Bank;

And the defeat of Standard Chartered Bank became another point of failure for Bao Yugang following the defeat of Hong Kong Dragon Airlines!

Wu Guangyao was a little worried, would he suffer a defeat at Standard Chartered Bank?

Banks are different from Hutchison \u0026 Co., which rely heavily on the original management team;

Suppose, at the beginning, a group of British management of Hutchison \u0026 Co. did not listen to Wu Guangyao's command;

Wu Guangyao can completely dismiss them all, anyway, what he values ​​most is the land;

However, if the British management of Standard Chartered Bank is unwilling to listen to Wu Guangyao's command, the whole bank may be paralyzed;

And the bank itself does not have too many fixed assets, and the invisible assets are even bigger!

Of course, these words cannot be said, otherwise it will damage my wisdom;

Then give it a try!

"Well, Standard Chartered Bank is good, but you should pay attention to the fact that Standard Chartered Bank has a long history and its shares are extremely scattered. Their management is basically the boss, and they are very resistant to foreign acquirers! We must be mentally prepared. So as not to cause unnecessary losses in the end!"

Andri nodded, and said, "We can try to enter the board of directors of Standard Chartered Bank first, and then launch an acquisition after we have figured out the situation!"

This is a good idea!

"Do as you say!"

The best way to acquire a listed bank is to maintain its listed status, which is not only conducive to the development of the bank, but also saves money;

After all, China Everbright Bank only wants a dominant position, or a regional ally, so as to facilitate future financial transactions.

Wu Guangyao said to Morse: "The family office organizes an elite team to investigate the overseas banking industry and select our targets!"

Compared with the human resources of China Everbright Bank, the 'Guangyao Family Office' is enough to beat him by a few blocks;

Don't look at the "Guangyao Family Office" which only has 206 employees in total, but these 206 employees are basically top talents, and most of them can even go to Wu Guangyao's companies to be qualified executives!

The 'Guangyao Family Office' is equivalent to a 'Crouching Dragon and Phoenix Young' 'Smart Team' of the companies under the Wu family. If they find any problems or have any good opinions, they will directly communicate with the senior management of these companies;

The most important thing is that Wu Guangyao has already decided: "Guangyao Family Office" will hold the shares of companies owned by Wu's family, usually around 5% to 20%, and serve as a director;

In this way, even if Wu Guangyao is no longer around, the family office will closely connect the members of the Wu family.

Morse nodded and said, "Well, I will organize a team as soon as possible! At that time, the two parties will cooperate to expand the Wu family's financial industry."

Morse added: "If we had banks abroad, like when we bought Disney, we wouldn't let Citibank make so much money!"

After listening to Morse's words, Wu Guangyao was heartbroken for a few seconds;

The interest alone is 500 million US dollars, how many canaries need to be raised!

However, Citibank also played a big role in the acquisition, and it was well worth the money!