Back To 2005

"Oh, what do you say?"

Hearing the words of the girl in bank uniform, Zhou Anan raised her eyebrows and asked in surprise.

"I'm telling you quietly, don't tell anyone. Our bank may have already been negotiating acquisitions with others. In order to increase the acquisition price, we are now increasing the commission on deposits internally, which has exceeded the two-digit commission of other city commercial banks. It’s done. Although it’s still early, there will inevitably be some problems later.”

Li Yu was sincere to this rich man.

She is not stupid. As long as she maintains this relationship well, no matter which commercial bank she switches to in the future, she will enjoy good treatment.

An employee who can attract deposits and obtain loans from high-quality customers will be an excellent employee wherever he goes.

"Acquisition? I understand."

After listening to Li Yu's explanation, Zhou Anan nodded clearly.

If the other party can say this, he is relatively honest and much better than ordinary friends. It is not in vain for the young lady to regard her as a friend.

However, Zhou Anan also knew what the other party had in mind, but he would not say it out loud, and everyone understood it tacitly.

"Yu'er, do you know who wants to acquire Haizhou Bank? Is there no problem with my deposit?"

Zhu Huihui on the side listened and asked about her deposit.

In order to boost performance for her old classmate, she deposited all her belongings in Haizhou Bank.

If anything happens to Haizhou Bank, all her belongings will be lost.

"Don't worry, your savings will definitely be fine. Personal deposits of less than 500,000 yuan are guaranteed by the state, and compensation will be paid if the bank goes bankrupt. I don't know who purchased it. I just heard from senior officials and several institutions We’re talking about it, maybe I’ll be unemployed at some point.”

Without telling the high school classmate's deposit amount, Li Yu smiled and comforted the other person, and then answered another question.

Thanks to Mr. Zhou's deposit help, her position has risen rapidly, and she can be regarded as a middle-to-high-level person in the Lucheng branch. Otherwise, she would not have learned about such a secret matter.

However, it was not something that she, the branch leader, could find out about who was acquiring it.

"That's good."

Zhu Huihui was relieved when she heard that her deposits were protected, but she was giving advice to her 'boyfriend': "An'an, it would be safer if you transfer the money out after a while."

"OK."

In this regard, Zhou Anan also adheres to the principle of caution.

Although he knew in his previous life that Haizhou Bank did not collapse, and even opened a branch to the small county town of his hometown in Lizhou more than ten years later, which was considered progress.

However, who knows whether there will be temporary changes in this matter, at least it is tens of millions in cash.

"Didi didi"

At this time, the phone rang. Zhou Anan looked at the screen and saw that it was Feng Erdai's call, and picked up the call.

"Da'an, Lao Hu and the others are tracking the person who secretly uploaded the original video. This is a shame. The other party is too cautious and can't be found if he hides behind."

As soon as he answered the phone, Feng He told the great elder some bad news, with a bit of embarrassment in his words.

He made a sure deal in front of the other party, but the result was unsatisfactory.

"Well, I know about this. Thank Lao Hu and the others for me. When we get together in two days, I will have a couple of drinks with them."

After hearing the 'bad news' from the other party, Zhou Anan was not surprised.

It is normal for this kind of thing not to be traced, but it is surprising when it is traced.

Anyway, he doesn't need any evidence. He has already suspected someone and is waiting for the opportunity to get back on his feet in the future.

What's more, Lao Hu and the others have helped him enough by keeping no links to the original film online.

Due to the hot click-through rate on Tomorrow Video, both TV series have been acquired by Nanhu TV and broadcast simultaneously with the Internet. Their prices are not much different from Blue Whale Entertainment’s original expectations.

According to Zhou Anan's shareholding in Blue Whale Entertainment, this alone saved him at least 30 million yuan in losses.

For this reason, Zhou Anan also attached great importance to the relationship between Datang Club and asked Feng He to help him arrange a party for the afternoon of the 3rd to connect with the club members.

Unlike the Haizhou University alumni group where he had been diving all the time, it was basically a group of young and middle-aged seniors chatting about academic issues, which made him look confused, and he did not dare to rise up to avoid exposing his shallow knowledge.

"It's just a small matter. By the way, there is one more thing. Didn't we talk about acquiring banks before? Now we have several banks to choose from."

Zhou Anan, who was originally careless, couldn't help but shrink his eyes when he heard that Haizhou Bank's name was on the candidate list.

This is really fate. We were talking about Haizhou Bank before, but it was mentioned again in the blink of an eye.

"You guys should watch this first, I don't have any objections."

When Feng Erdai finished speaking, Zhou Anan did not express any opinions.

On such a major matter as the acquisition of a bank, he is purely a layman, and there is no need to give blind opinions in order to show his sense of existence.

Even if Haizhou Bank developed well in his previous life, who knows what will happen after their acquisition.

A little butterfly flapping its wings could cause a hurricane in the Atlantic Ocean, let alone an area he was completely unfamiliar with.

"Okay, I will communicate with you if there is specific news."

Feng He admired the great elder's reassuring attitude.

It's a pleasure to work with such friends.

After hanging up the phone, Zhou Anan refilled the little sister's glass of juice for half a cup. After thinking about it, she asked the girl in bank uniform opposite: "Li Yu, do you know your bank's non-performing loan ratio and income?"

Although the criteria for acquiring a bank are not clear, the non-performing loan ratio and income are important criteria for judging whether a bank is good or not.

It doesn't matter if earnings are low, a low non-performing loan ratio means the bank is operating well.

"Well, let me think about it, last year our bank's announced income was more than 3 million. The non-performing loan rate is not high, only 0.45 percentage points. This is precisely because the senior officials with formal establishment are more conservative and are stricter in terms of loans. . So our bank’s income is not high, so the top management is thinking of selling equity to improve the bank’s development.”

After hearing the other party's question, although Li Yu was a little strange, he answered honestly.

"What is the non-performing loan ratio of an average city commercial bank?"

Zhou Anan is not very sensitive to this 0.45 percentage point figure, and does not know whether it is good or bad.

But that 3 million profit is simply a shame for a bank.

Previously, he had a rough understanding of the income of some large domestic joint-stock commercial banks. Last year, the top 20 commercial banks had more than 2 billion in income, and the top five exceeded 10 billion.

Among them, the top three companies, China Merchants Bank, CITIC, and Industrial Bank, have RMB 20 billion, RMB 14 billion, and RMB 10.5 billion.

In comparison, Haizhou Bank's income of 3 million is not only low, it is simply outrageously low.

If you don't sell it, will it stay in your hands and become moldy?

"If it is a privately-owned urban commercial bank, the non-performing loan ratio should be below 1 point; for city commercial banks controlled by state-owned enterprises like ours, many non-performing loan ratios are above 2 points."

Feeling that the other party's questions were getting weirder and weirder, Li Yu didn't think too much and started to answer them in detail.

"An'an, you asked so many questions, don't you want to buy a bank?"

Listening to her 'boyfriend''s strange question, Zhu Huihui smiled and asked her friend's question.

Thanks to book friends Zhou Xiaoxiao and Xiangshui Chuyun for their rewards!