Legend of Xiangjiang Tycoon

When everyone heard Liang Botao's words, they were already numb. After all, last year's profit reached 500 million Hong Kong dollars, and the profit of more than 700 million Hong Kong dollars can be said to be the first echelon of Li Zhiwen's company.

But Li Zhiwen thinks this is normal. Last year, Kirin Securities participated in many acquisitions, and they were all large-scale acquisitions.

Hutchison Whampoa Group, Lai Sun Group, Wisdom Jardine Matheson, which company does not play a pivotal role in Hong Kong

Although Li Zhiwen pulled Huo Yingdong and Bao Yugang together to do Wisdom Fight Yihe Yangxing, the income was not low.

Therefore, in Li Zhiwen's opinion, Liang Boxao's performance this year is the most real and the year that best shows Liang Boxao's ability.

The next report is Zhao Hezhuo of Yulong Bank, who is the least valued in Li Zhiwen's team.

It can't be said that Zhao Hezhuo is not taken seriously, but since the establishment of Yulong Bank, it has not been discovered on a large scale, so everyone thinks that Li Zhiwen established Yulong Bank just for his own capital turnover problem and to serve Li Zhiwen alone.

Although it won Hang Lung Bank with Standard Chartered Bank last year, Hang Lung Bank is independent and has no relationship with Yulong Bank, nor is it directly managed.

Zhao Hezhuohui reported: "Boss, my colleagues, Yulong Bank currently has 15 branches, 9 branches in Hong Kong, 3 branches in Macau, and 3 branches in Singapore. The deposit amount has reached 2 billion Hong Kong dollars, which is considered to be in Hong Kong. The banks are mid-sized banks.”

"At present, the loan business of our Yulong Bank is mainly the companies under the boss."

"Before, because of the Hong Kong crisis, many banks had run events, and our Yulong Bank was no exception."

"However, because of the wise guidance of the boss, he did not lend a large amount of funds to the real estate company, so the run was easily passed."

"In addition, last year, we won Hang Lung Bank with Standard Chartered Bank, and we hold 51% of Hang Lung Bank's equity. However, due to independent settlement, the current situation of Hang Lung Bank has not been calculated."

Zhao Hezhuo's report was very brief, but in fact he didn't say much, because last year Yulong Bank didn't make much big moves, and it was not obvious in Li Zhiwen's consortium.

Yes, the Li Zhiwen Consortium, in this development, the various groups and companies under Li Zhiwen can indeed be combined into a consortium, and this consortium can be regarded as a high-end among the current rich people in Hong Kong. Yang Xing, Swire Pacific, Jia Dao Family, and Wheelock are in a first-class position, and their control over the various companies under them is very stable.

In other words, Li Zhiwen kept a low profile, and suppressed these advocating remarks, otherwise he really didn't know how to end it.

What Li Zhiwen has to do now is to be a poisonous **** dark place and spit out a letter from time to time. When it is time to kill the elephant, Li Zhiwen will never hesitate, but it is better not to expose it to the sun before that.

The overall development of the consortium is very fast, Zhao Hezhuo is very happy, but the development of his own Yulong Bank is very slow, which is why Zhao Hezhuo is anxious.

Zhao Hezhuo opened his mouth and said, "Boss, at present, our Yulong Bank has prepared a development plan, and I will tell you about it.

"Okay, tell me!" Li Zhiwen said with a smile.

"Boss, there are currently two steps on my side. The first step is that we need to increase our efforts to open our own bank. At present, the nine branches in Hong Kong are completely unable to meet our plan. As I said just now, we will squeeze into the medium-sized bank in Hong Kong. That's it, but we are the smallest of the mid-sized banks in Hong Kong."

"It's incomparable with HSBC's 300 branches in Hong Kong and Standard Chartered's 150 branches."

"In my opinion, even if our Yulong Bank cannot be compared with HSBC and Standard Chartered Bank, at least we need to maintain more than 50 branches in Hong Kong, which is in line with our expectations. Our Yulong Bank is at least in Hong Kong. It takes fifty branches to barely maintain our performance, covering the whole of Hong Kong."

Hearing Zhao Hezhuo's words, the people in the conference room couldn't help being secretly startled.

With 50 branches, it can be said that it is a large bank in Heung Kong, and it is not far behind that of HSBC and Hang Seng Bank.

It can also be seen from the side how amazing Zhao Hezhuo's idea is.

Of course, Li Zhiwen completely agrees with Zhao Hezhuo's idea.

If Xiangjiang is to be used as the back garden, the bank is an indispensable part, because the bank is the pressure pump that provides funds for Li Zhiwen's expansion.

What's more, Xiangjiang will return sooner or later. These ghosts won't be around for a long time. What Li Zhiwen has to do is to steadily take over the assets in the hands of ghosts.

"So I plan to build ten new branches next year. These branches are mainly located in Hong Kong Island and Kowloon. After all, the strength of our Yulong Bank in the New Territories is not weak, and there is no need to place them in the New Territories."

"Moreover, Hong Kong Island and Kowloon are the traditional wealthy areas of Hong Kong, while the New Territories have not yet been developed, so the power to absorb deposits is insufficient."

"The second step is to acquire a small bank. After all, acquisition is the fastest way to expand. If Yulong Bank wants to develop greatly, we must take more acquisitions."

"In my opinion, Yulong Bank will become a bank with fifty branches within three years." Zhao Hezhuo said.

Li Zhiwen first set the development direction for Yulong Bank to be the New Territories first, which has the feeling of Taizu's countryside surrounding the city.

However, the situation is changing, and the previous strategy is not very applicable at this time, because the financial world is very sad at this time.

At this time, Yulong Bank can be said to be the bank with the lowest loan-to-deposit ratio, and some are expanding funds.

"Azhuo, if you want to acquire, which bank is your target?" Li Zhiwen asked.

"Hengtong Bank, this bank is a small bank in Hong Kong. There are always four sub-branches. The total bank deposit is expected to be about 200 million Hong Kong dollars, but the total loan is about 1.9 billion, and the loan-to-deposit ratio is as high as 95%. Such a bank As long as there is a little bit of turmoil, one acquisition will be accepted." Zhao Hezhuo said.

"Azhuo, your situation is still small. Hengtong Bank is a good target. If you find a lot of such banks in Hong Kong, it will have no effect on our Yulong Bank's reputation." Li Zhiwen said.

"Then boss, who do you think our target should be?" Zhao Hezhuo said tremblingly.

Li Zhiwen smiled and said four words: "K. Wah Bank!"

Zhao Hezhuo was taken aback, his mouth opened wide, and he could even put a whole egg in it.

Ka Wah Bank, although this bank is a medium-sized bank in Hong Kong like Yulong Bank, but the status of the two is very different.

Ka Wah Bank has 20 local sub-branches in Hong Kong, 5 sub-branches in Macau, 5 sub-branches in Southeast Asia and other places, and also has 2 sub-branches in Pretty Country, with a total of 32 sub-branches. The big banks among the proper mid-sized banks are no less than Hang Lung Bank.

Zhao Hezhuo thought for a while and said, "Boss, you haven't read the information about Ka Wah Bank before, so let me introduce it to you."

"Azhuo, let me introduce you, it just so happens that I also understand." Li Zhiwen said.

"K. Wah Bank has a total of 32 sub-branches, and 20 local sub-branches in Hong Kong. The total deposit is expected to be around 3 billion Hong Kong dollars. If it wants to acquire Ka Wah Bank, I am afraid that the capital will need at least one billion Hong Kong dollars." Zhao Hezhuo said.

Zhao Hezhuo couldn't understand why Li Zhiwen valued Ka Wah Bank, not to mention whether Ka Wah Bank would agree to sell it, Zhao Hezhuo felt that it was not worth it at the price of one billion Hong Kong dollars.

Valley Wall </span> And Ka Wah Bank, despite the turmoil in the previous Heung Kong crisis, still exists strong.

Who knew Li Zhiwen opened his mouth and said, "Azhuo, send someone to investigate, what is the loan-to-deposit ratio of Ka Wah Bank, what is the loan-to-deposit ratio, and which companies are the loans to?"

When Zhao Hezhuo heard Li Zhiwen's words, he was even more depressed. He said it so clearly, but the boss still insisted on doing his own thing. There was really nothing he could do, so he agreed: "Okay, boss, I'll go down and send someone to investigate."

The reason why Li Zhiwen did not continue talking was because there were too many people in the conference room at this time.

Although Li Zhiwen believes in them very much, he must not have the intention of harming others, and he must have the heart to guard against others.

As for the name of Ka Wah Bank, it doesn't really matter.

Li Zhiwen didn't have to use Ka Wah Bank for surgery.

In the days to come, as long as it is a medium-sized bank, it doesn't really matter.

Whether it is Ka Wah Bank or Dah Sing Bank, anyone can do it, Li Zhiwen does not choose.

Next report is Gao Baoshan of Watsons Group.

This is Li Zhiwen's latest integrated group, responsible for Parknshop and Watsons Cosmetics.

At this time, Gao Baoshan said, "Boss, my colleagues, since Watsons Group was spun off by the boss's integration of Hutchison Whampoa Group in September last year, the company's situation started in September."

"The Watsons Group has achieved a total revenue of 132 million Hong Kong dollars and a profit of 53 million Hong Kong dollars in the past three months."

"The subsidiary Baijia Supermarket has 35 supermarkets, and Watson's cosmetics stores have reached 37."

"Currently, the group plans to build five more large supermarkets and ten new Watsons cosmetics stores!"

"Of course, I agree, but I think that various groups need to cooperate. For example, Parknshop Supermarket, including Wellcome Supermarket under the Milk Group, can cooperate with Hutchison Real Estate Company to put the supermarket as part of a large-scale complex in the complex. in the body."

"The same applies to the stores of Watsons Cosmetics Company and Kirin Clothing Company."

"The Universal Cinema Line can also open a movie theater on the top floor of a large complex, so that it can be used as a complete set, which can not only play a comprehensive development, but also play a cluster effect."

"In this way, we can achieve common development." Li Zhiwen said.

Li Zhiwen won so many industries, of course, he wanted to exert the cluster effect, and Li Zhiwen can indeed do it.

There are Chow Sang Sang in the gold store, Universal Cinema in the cinema, Wellcome Supermarket and Parknshop in the supermarket, Kirin Clothing Company in the clothing, Watsons in the cosmetics, and so on.

This is not to mention the industries outside Li Zhiwen. The development together is more powerful than the individual development.

"Yes, boss!" the crowd said.

After that, it was Brando Wallace of the Milk Group who reported.

Brando Wallace has been waiting for a long time. He can be said to be the only foreigner in the conference room besides Ma Shimin, so he is also very excited.

"Boss, my colleagues, our Milk Group and Watsons Group are actually very similar, and the accounting started in September."

"At present, our milk group's businesses include Wellcome supermarket, 7-11 convenience store, and milk beverage company."

"Wellcome Supermarket currently has 37 supermarkets, 356 7-11 convenience stores, and the Milk Beverage Company provides 50,000 liters of milk every day."

"The total revenue for the three months was 212 million Hong Kong dollars, and the profit was 64 million Hong Kong dollars."

It seems that the revenue and profit of the Milk Group are higher than those of the Watsons Group.

This is also normal. After all, although the 7-11 convenience store is inconspicuous, the more than 300 convenience stores are also a big force.

The Milk Beverage Company is the largest milk supplier in Xiangjiang, and the Milk Beverage Company is also an ice cream maker and a big revenue generator.

But looking closely, the revenue of the Dairy Group is as much as HK$80 million of the Watsons Group, but the profit is only more than HK$10 million.

This is actually quite normal, because Watsons Group has Watsons Cosmetics, which is a big profit maker.

Everyone knows that cosmetics may cost 30 Hong Kong dollars to make, but the price can reach hundreds of thousands of Hong Kong dollars. UU reading www. uukanshu.com

At the same time, strictly speaking, the Milk Company and Watsons Group are also rival companies.

From the perspective of development, it is best to merge the two companies, which is not too difficult.

But Li Zhiwen did not do that when the integration took place in September, but let the two companies develop independently.

There is anti-monopoly thinking in this regard. After all, if the two companies are integrated, 90% of the Hong Kong supermarket sector will be in the hands of one group.

Although there are monopoly groups everywhere in Hong Kong at this time, if someone makes a fuss about the monopoly, it will not be worth the loss.

Another point, Li Zhiwen, is that considering the issue of competition, if they merge, it is difficult to guarantee that without competition, these companies may become weaker and worse, and eventually lead to non-performing assets.

Although there are some foreign supermarkets and convenience stores in Xiangjiang, they cannot threaten the Watsons Group and the Dairy Group.

So the best way is to let the two companies compete with each other. Although this will lead to a waste of resources, it can maintain the competition to the greatest extent.

As for them reaching an agreement in private, it is basically impossible because of the existence of this year-end meeting.

Everyone wants to be great, but it doesn't mean that you come and give me the benefits.

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