Rebirth of the Strongest Tycoon

Hearing this question, Liu Tianci couldn't help but smile. Since he took charge of Jiuding Bank, what made him most happy is the number of accounts opened and the number of deposits soaring every day. These two are the foundation of a bank.

"Chairman, thanks to the fund cooperating with Jiuding Securities and the attractiveness of high deposit interest rates, since its opening, the daily business volume has been full. At present, the bank has 218,000 accounts, except for the Jiuding Consortium. In addition to the deposits of a series of companies, the remaining deposits have reached 1.15 billion Hong Kong dollars!"

Liu Tianci said with a slightly excited tone.

"it is good!"

Hearing these two numbers, Xia Yu couldn't help applauding Liu Tianci's hand, his eyes filled with admiration.

Xia Yuke still remembers that when he acquired Guang'an Bank, the total deposits were only about 200 million Hong Kong dollars.

How long has it been since then, the deposits of non-Jiuding Departments alone have reached 1.15 billion, more than five times the amount, which shows the speed of Jiuding Bank's development!

If this internal data is exposed, I don’t know how many banks will be jealous!

In addition to being happy, Xia Yu's heart moved, and he wanted to know the amount of deposits of Jiuding companies in Jiuding Bank.

There are many companies and the income and expenditure are complicated. It is impossible for him to ask them one by one and then count them. Moreover, a lot of money is money that has not yet been processed and paid for the business, and is temporarily placed in the accounts of various companies, so he is forgiven for not knowing. .

But since Xia Yu made a request that the funds of each company go to Jiuding Bank's account, which company knows best about the capital flow of the entire consortium, it must be Jiuding Bank.

Therefore, out of curiosity, Xia Yu asked: "Godsend, plus the brother company's current deposit, how much money is there in the bank account?"

Liu Tianci was very familiar with this figure, and he blurted out: "The brother company has a total of 470 million Hong Kong dollars in demand deposits, and the bank's total deposits are 1.62 billion Hong Kong dollars!"

"I have specifically learned that among all domestic and foreign banks in Hong Kong, our bank's deposits can be ranked around the twentieth."

Xia Yu's eyes brightened and he nodded with a smile, very satisfied.

There are too many local banks and foreign banks in Hong Kong. Jiuding Bank ranks 20th for deposits alone. It is already a large bank. Even if it ranks at the bottom edge of large banks, it is still a large bank.

How long has it been,

It rushed from a small bank when Guang'an Bank first changed to a large bank, and the growth rate is still rapid, how can Xia Yu be dissatisfied?

"However, chairman, although there are so many deposits, it is still not enough. The capital demand of other brother companies is too great."

Liu Tianci restrained his smile and reported to Xia Yu with a serious expression.

Xia Yu nodded slightly to express his understanding. If nothing else, it is just a Jiuding Real Estate Group. If Jiuding Bank is free to open a project and acquire land, even if Jiuding Bank lends all its deposits to Jiuding Real Estate Group, it will not be enough!

The real estate industry is like this. If you want to become bigger and stronger, you must have a strong bank as a backer.

"This can't be rushed, the deposits are absorbed step by step, and the brother company will take out the loan. If it can't stand it, let the brother company find other banks. Now Jiuding Bank is just starting, after all, the shortage of funds is understandable, and it is not qualified. All business is digested internally.”

Xia Yu said softly.

Liu Tianci nodded, thought about it and then said, "Chairman, I have some ideas, you can see if you can!"

Xia Yu raised his brows, leaned slightly, and said with interest, "Let's talk."

"It is safe to develop step by step, but I think our bank can develop faster."

"Generally banks must ensure the liquidity adequacy ratio to deal with sudden runs. In addition, they must ensure that loans are given to benign enterprises as much as possible, and they can be recovered as scheduled to avoid the risk of loss."

"But our bank is different. As a consortium's capital turnover platform, it can allocate the demand deposits of various companies at any time, and has the signboard of the consortium. The possibility of a run on the storm is almost zero."

"As for the loan risk, it is also very small. The bank's funds give priority to serving the brother companies. Each company is an extremely high-quality company. I believe that you are in control of the chairman, and there will be no problems."

"So these two risks that other banks are generally worried about, our bank does not exist, I think our bank can expand at a faster pace than other banks."

Xia Yu nodded and said, "You're right, how are you going to expand so quickly?"

Liu Tianci solemnly spit out six words: "Acquisition of other banks!"

Xia Yu narrowed his eyes slightly, looked at Liu Tianci's firm and calm gaze, nodded lightly, and commented: "You have a good idea. As long as you choose the right acquisition target, you can indeed increase the bank's assets in a short period of time."

There is a difference between the assets of banks and the assets of ordinary companies.

The assets of ordinary companies are their own assets, but the assets of banks are divided into various types, but they can be summarized as their own net assets and management assets.

Its own net assets refer to the physical assets, profits, etc. owned by the bank itself, which are generally very small.

However, assets under management are different, including deposits of depositors, assets mortgaged by banks, and assets that are forcibly deducted after loans cannot be recovered.

Generally speaking, if a well-developed bank has 10 billion assets under management, then the bank's value is 15.6 billion yuan, even if it is developing very well.

If it is a bank with poor profitability, the value is estimated to be about one-tenth of the total assets.

Therefore, Jiuding Bank can spend 100 million Hong Kong dollars to acquire a bank, and it will not be a problem for its own assets under management to skyrocket to 670 million.

Merger and acquisition of a bank worth 100 million will definitely increase the value of Jiuding Bank by more than 100 million Hong Kong dollars. As long as the merger is done properly, it is easy to achieve the result of 1+3\u003e5. This is why there are always many companies in the world who like mergers and acquisitions.

The Cisco company in the previous life relied on crazy mergers and acquisitions. Each merger and acquisition made the company's strength rise one or several steps, and finally climbed to the throne of the world's first company step by step.

So Xia Yu definitely supports Liu Tianci's idea.

However, now is not the right time!

Therefore, Xia Yu shook his head. When Liu Tianci was disappointed, Xia Yu said: "Tianci, your idea is good, I will definitely support it, but at this time, it is not suitable for mergers and acquisitions, and there are more suitable places for bank funds to go. , more valuable than M\u0026A companies!”

Liu Tianci was refreshed, looked at Xia Yu expectantly, and asked, "Chairman, please give instructions!"

Xia Yu narrowed his eyes and said word by word, "London Gold!"

Liu Tianci was stunned for a moment, then reacted and asked uncertainly, "You mean that the price of gold will skyrocket in the near future?"

Xia Yu nodded and said, "That's right!"

Hearing this, Liu Tianci frowned and fell into thought.