Hearing this question, Liu Tianci couldn't help but smile, since he took the helm of Jiuding Bank, what makes him happiest is the number of accounts opened and deposits that are soaring every day, which are the foundation of a bank.

"Chairman, thanks to the cooperation with Jiuding Securities, as well as the attractiveness of high deposit interest rates, since its opening, the daily business volume has been in a full state, the bank has 218,000 accounts, except for the deposits of a series of companies in the Jiuding consortium, the rest of the deposit amount has reached 1.15 billion Hong Kong dollars!"

Liu Tianci said, his tone slightly excited.

"Good!"

Hearing these two figures, Xia Yu couldn't help but applaud Liu Tianci, smiling, and his eyes were full of appreciation.

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

How long has it been, and the deposits of non-Jiuding series alone have reached 1.15 billion, an increase of more than five times, which shows the speed of Jiuding Bank's development!

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

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

There are many companies, and the income and expenditure are complicated, so it is impossible for him to count them after asking them one by one, and a lot of money is money that has not yet been processed and paid for business, and is temporarily placed in the accounts of various companies, so it is understandable that he does not know.

However, since Xia Yu set the requirement that the funds of each company go through the account of Jiuding Bank, if you want to say which company knows the capital flow of the entire consortium best, it must be Jiuding Bank.

Therefore, in addition to curiosity, Xia Yu asked: "God, plus the current deposit of the brother company, how much money is in the bank account in total?"

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

"I have learned that among all the domestic and foreign banks in Hong Kong, our bank can rank about 20th in terms of deposits. ”

Xia Yu's eyes were slightly bright, and he smiled and was very satisfied.

There are too many local banks and foreign banks in Xiangjiang, Jiuding Bank can rank 20th in terms of deposits alone, and it is already a large bank, even if it is ranked at the end of the large banks, it is still a large bank.

How long has it been, from a small bank when Guang'an Bank was just transformed into a large bank, and the growth rate is still rapid, how can Xia Yu not be satisfied?

"However, the chairman, although there are so many deposits, they are still not enough, and the capital needs of other brother companies are too great. ”

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

Xia Yu bowed his head slightly to express his understanding, not to mention anything else, just a Jiuding Real Estate Group, if he let go of his hands and feet to open a project and get land, Jiuding Bank would not be enough to lend all the deposits to Jiuding Real Estate Group!

This is the case in the real estate industry, if you want to become bigger and stronger, you must have a strong bank as a backer.

"This is not urgent, the deposit is absorbed step by step, the brother company should lend money, if it is really unbearable, let the brother company find other banks, now Jiuding Bank has just started after all, the shortcomings of the amount of funds can be understood, and it is not qualified to digest all the business internally. ”

Xia Yu said softly.

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

Xia Yu raised his eyebrows, leaned slightly, and said with interest: "Say it." ”

"Although the development is stable in a step-by-step manner, I think our bank can speed up its development. ”

"Generally, banks should ensure the liquidity adequacy ratio to deal with sudden runs, and in addition, they should ensure that loans are lent to benign enterprises as much as possible, so that they can be recovered on time and avoid the risk of loss. ”

"However, our bank is different, as a consortium capital turnover platform, it can allocate demand deposits of various companies at any time, and it has the signboard of the consortium, and the possibility of a run is almost zero. ”

"As for the loan risk, it is also very small, the bank's funds are given priority to serve the brother companies, and each company is an extremely high-quality company, I believe that the chairman of the board of directors will control it, and there will be no problems. ”

"So these two of the risks that other banks are generally worried about, our bank doesn't exist, and I think our bank can expand at a faster pace than other banks. ”

Xia Yu nodded and said, "What you said makes sense, so how are you going to expand quickly?"

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

Xia Yu's eyes condensed slightly, looked at Liu Tianci's firm and calm gaze, nodded lightly, and commented: "Your idea is good, as long as you choose the right acquisition target, it can indeed make the bank's assets skyrocket in the short term." ”

There is a difference between the assets of a bank and the assets of an ordinary company.

The assets of an ordinary company are its own assets, but the assets of a bank are divided into many types, but they can be summarized as their own net assets and assets under management.

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

However, the assets under management are different, including depositors' deposits, assets pledged by bank loans, assets forcibly recovered after the loan cannot be recovered, and so on.

Generally speaking, if a well-developed bank has assets under management of 10 billion, then the value of the bank is 1.5 or 6 billion, which is considered to be very good.

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, so that its own assets under management will soar by 6 or 7 billion yuan.

The merger and acquisition of a bank worth 100 million, the value growth of Jiuding Bank will definitely exceed 100 million Hong Kong dollars, as long as the merger and acquisition is appropriate, it is easy to achieve the result of 1+3>5, which is why there are always many companies in the world who like mergers and acquisitions.

In the previous life, Cisco relied on crazy mergers and acquisitions, and each merger and acquisition made the company's strength step up one or several steps, and finally stepped onto the throne of the world's first company.

So for Liu Tianci's idea, Xia Yu must support it.

However, now is not the right time!

Therefore, Xia Yu shook his head, and when Liu Tianci was disappointed, Xia Yu opened his mouth and said: "Tianci, your idea is good, I definitely support it, but now during this time, it is not suitable for mergers and acquisitions, and the bank's funds have a more suitable place to go, which is more valuable than mergers and acquisitions!"

Liu Tianci perked up, looked at Xia Yu expectantly, and asked, "Chairman, please instruct!"

Xia Yu's eyes narrowed slightly, and he said word by word: "London Gold!"

Liu Tianci was stunned for a moment, then reacted, and asked with some uncertainty: "Are you saying that the price of gold will skyrocket in the near future?"

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

When Liu Tianci heard this, his brows furrowed, and he fell into thought.