Rebirth of the Strongest Tycoon

"£2.31 billion."

When this number came out, everyone couldn't help frowning.

According to the current data just said by Evelyn Rothier, the total assets of Barclays Bank are now 48 billion pounds.

The working capital is only 2.31 billion pounds, which is equivalent to less than 5% of the working capital. This figure is undoubtedly extreme.

Generally speaking, for large commercial banks in Europe and the United States, the ratio of liquid funds to the total assets of the bank should preferably be kept between 10% and 15%, depending on the situation of different banks.

Generally speaking, the liquidity holdings of commercial banks should follow three principles.

First, the principle of appropriateness of the total amount of cash asset management.

This means that the total amount of bank cash assets must be kept at an appropriate size. The appropriate scale refers to the amount of cash assets when the opportunity cost paid by the bank to maintain the cash assets is the lowest under the premise of ensuring the liquidity needs of the bank's operating process, determined by the functions and characteristics of the bank's cash assets.

The principle of appropriate total amount is also the most important principle of cash asset management of commercial banks.

Second, the principle of timely adjustment of cash assets.

This means that the bank should adjust the position of shortage of funds in a timely manner according to the changes in cash flow in the business process to ensure that the scale of cash assets is appropriate.

Third, the principle of security.

The cash assets of commercial banks mainly consist of their deposits and cash on hand in central banks and interbanks. Among them, the cash on hand is the necessary payment working capital in the business operation process of commercial banks, and it is distributed in various business outlets of the bank. In the management of cash assets, especially cash on hand, banks must improve the security system and strict business operation procedures to ensure the safety of funds.

To sum up the three principles, that is to make full use of bank funds while ensuring the safety of bank operations as much as possible!

If the bank has too much liquidity, at the end of the year when the savings interest rate is extremely high, the cost of the bank will be very high, and the safety is safe, but a poor operation can easily lead to a loss of the bank.

And a family like the Rothier family that has been in the banking industry for hundreds of years is undoubtedly very knowledgeable about running a bank, so it has always pursued high turnover and high profits.

In addition, the Rothschild family is also a big business, and it is easier to mobilize funds, so Barclays Bank's liquidity ratio is less than 10%.

Under normal circumstances, it doesn't matter if it is lower than ten percent. With the reputation of the Rothschild family consortium, it is easy to turn around funds.

But at this time, Barclays is still facing the dilemma of continuous loss of funds, and other banks are also in the quagmire, and they will definitely not turn to Barclays.

Originally, the Rothschild family had another financial pillar - the French Edmond Rothschild Bank.

However, it was also nationalized by the French government this year, and now the French bank Edmond Rothschild is still very weak and unable to support Barclays Bank.

There is only one way to go now, and that is for them to figure it out on their own.

The easiest and most effective way is two ways.

First, let Barclays sell liquid assets, recover loans as much as possible, and withdraw funds.

Second, the Rothschild family mobilized the liquidity of the entire family and consortium to inject into Barclays Bank, preventing Barclays Bank from being withdrawn by depositors until the funds dried up.

And Jacob Rothier summoned the leaders of other branches other than the American branch to come here for these two purposes.

Let's work together to overcome difficulties together!

Looking at the ugly faces of everyone, Jacob Rosier, who was sitting at the top, finally spoke up.

"Everyone knows the situation. Now it's an extremely dangerous moment. Barclays Bank is the core pillar of our family, and we must do our best to keep it!"

"In the past nine days, Barclays has only lost 1.55 billion pounds of assets, although it is a lot, but we have to realize that this is a very good situation. I know that Evelyn is in order to stabilize those big clients,

Great effort was spent. "

"It can be said that 80% of the assets lost now come from ordinary savers, otherwise it would not be so low!"

"But unfortunately, what has happened in Latin America these days is something we don't want to see. A full-scale sovereign debt crisis broke out in Latin America."

"This means that starting today, the crisis will move up several notches!"

Hearing this, everyone nodded in agreement.

And Evelyn Rothier couldn't help but said: "Jacob is right, since yesterday, our capital loss rate has more than doubled month-on-month."

"More than 155 million pounds of cash was lost on the 12th, and 320 million pounds of cash was lost on the 13th. Today is not over yet, but more than 280 million pounds of cash has been lost."

"Following this trend, I think tomorrow I go to the bank and someone will report to me that the bank lost £400 million in cash today!"

"If we continue to laissez-faire, then with the current liquidity of the bank, it will definitely not last for a week and the funds will break!"

The eldest Edward Rothier immediately objected: "Selling is not a solution. Now countless pairs of eyes are watching us. Once we sell assets urgently, it will be confirmed that there is a problem with the bank's capital chain, which will cause a huge panic. , we don’t sell assets to get money back as fast as depositors can withdraw.”

"The best way is to contain it at the source and soothe the mood of savers."

Hearing this, Charles Rothier, who came from Xiangjiang, suddenly said: "I think I have a way to try."

Everyone looked at him in unison.

Charles Rothier took a deep breath and said: "Last year, Hong Kong had a stock market crash, and a large number of banks were faced with a run. Then Jiuding Bank in Hong Kong made an unprecedented move and visited one billion Hong Kong dollars in cash in the bank lobby."

"Although this move is simple, rude and vulgar, it is undeniably effective. Jiuding Bank broke the run-off crisis on the same day."

"Hang Seng and HSBC followed suit, which also eliminated the run-off crisis."

"We can refer to it and try this method."

Everyone's eyes lit up and they began to ponder.

A moment later, Evelyn Rosier, the president of Barclays Bank, shook his head and said, "This method is not suitable for us."

"Xiangjiang is only a small place, it is not as big as London, but the population density is very high, so Jiuding Bank only needs to put funds in the headquarters, and it will soon be able to spread the news, and it is also convenient for depositors to verify."

"But we have banks all over the UK, and simply putting cash at our London headquarters, even if it's £2 billion, won't allay the concerns of depositors in other cities."

"And news spreads very slowly, too."

PS: No, I’ve been overworked every day these days. Now my whole body is shaking, I’m tired, my hands and feet are sore, my throat is hot, and my fingers are shaking all the time. That’s all for now. I hope nothing happens tonight.

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