Can the United Credit Bank survive for half a year? The question can be understood by looking at why the number of business outlets of the United Credit Bank has changed from 12 to nine.

What the other management did not know was that because of the financial pressure, if there was no way to get financing, United Credit would have to close four business outlets in the next three months, and the remaining five business outlets would also consider whether to close one or two as appropriate.

Next, if the economic situation cannot improve, with the further increase of bad debts, bad debts and dead debts, the customer scale of United Credit Bank will further shrink and decrease, and if there is no business transplanted by Fernandez, United Credit Bank will really not be able to survive for half a year.

And what would happen to Union Credit Bank if it had acquired the financial business that had been transplanted from Fernandez?

To put it simply, under the condition that the existing costs of the United Credit Bank have been fixed, the gross profit generated by the business handed over by Fernandez to the United Credit Bank is almost equal to the net profit, and the United Credit Bank has hardly increased its costs, that is, after Fernandez becomes a shareholder, the United Credit Bank will increase its net profit by at least tens of millions of dollars or even tens of millions of dollars a year.

Paul Boehner understands that Fernandez is using the money to tempt and force himself to bow his head.

Is this money very tempting?

It was indeed very big, but after a moment's hesitation, Paul Boehner decided to try hard, and he shook his head with great difficulty: "Mr. Fernandez, I can't agree to such conditions......"

"OK, we respect your choice. Without waiting for Paul Bohner to finish speaking, Chen Geng interrupted him, and without even shaking hands with Paul Bona, he went directly to the door.

Seeing that Chen Geng was really leaving, Paul Bona panicked suddenly: This is different from what everyone imagined before, shouldn't Fernandez Company beg for himself?

Rosemary, who was lagging behind, looked at Paul Boehner with a look of pity and whispered: "Mr. Paul, you still don't understand, there are now more than 12,000 banks in the United States, under the impact of the economic crisis brought about by the oil crisis, even the most conservative estimates, there will be at least three or four thousand medium, small, small and even micro banks and credit cooperatives that will fail in the next year, for these banks and credit unions that are about to fail, our Fernandez Company is their last straw......

In view of the current economic situation in the United States, if we know that Fernandez is willing to transplant financial business as a condition for its shareholding, I wonder how many banks and credit societies will cry and cry and cry for hugging their thighs.

But thinking of his strength just now, Paul Boehner hesitated a little.

Paul Boehner was hesitating, but someone couldn't wait, and before Chen Geng could reach the elevator, a door next to the reception room was suddenly pushed open, and several people trotted towards Chen Geng from inside, shouting as they ran: "Mr. Fernandez, please wait, please wait......

Rosemary looked at the open door, and at the group of people who were trotting quickly towards her boss: based on the open door, it seemed that this room was next door to the reception room just now, if that was the case......

Rosemary immediately turned to look at Paul Boehner.

Paul Boehner's face turned red at the sight of Rosemary's gaze—yes, they were right next door to the reception room.

In fact, these people are not only next door to the reception room where Chen Geng and Paul Bona negotiated, but they also know exactly what Chen Geng and Paul Bona talked about.

"May I ask who you are?" Looking at the middle-aged man who ran quickly to him, Chen Gengwei frowned.

"Hello Mr. Fernandez," the middle-aged man said to Chen Geng with a flattering smile on his face: "I am Adria Baf, the managing director of the board of directors of United Credit Bank, and I am also the executive deputy general manager of United Credit Bank, well, this is Thomas Parent, the director of the board of directors of United Credit Bank, this is Daniel Finn, and this is ......."

After introducing everyone around him, Adria Baf said with a smile on his face: "We are both directors of Union Credit Bank. ”

"Oh...... Hello Mr. Barf. Chen Geng replied lightly, not showing any joy at all, waiting for Adria Bafu to continue, it seems...... Still feeling impatient?

Looking at the faint impatience on Chen Geng's face, Adria Bafu was a little panicked.

There are some things that everyone knows, Adria Baf thinks that the moment he sees himself come out, Fernandez should know that things have taken a turn for the better, and the United Credit Bank is willing to talk to him about the conditions he has put forward before, but why is Fernandez completely impatient?

Not daring to continue grinding, and the situation of the United Credit Bank did not allow him to continue grinding, Adria Baf immediately decided: "Mr. Fernandez, regarding the terms of cooperation you just mentioned, I think ...... We can talk. ”

"Oh?" Chen Geng looked at Adria Baf, and then at Paul Boena, who had already walked to the back of the crowd with an embarrassed expression, and smiled: "Mr. Adria, it seems that Mr. Paul is the chairman of United Credit Bank, right?"

Paul Boehner smiled awkwardly: "If the board thinks my strategy is not appropriate, I respect the board's opinion." ”

"Oh," Chen Geng nodded, his gaze swept around the directors of United Credit Bank, and then said slowly: "I believe that you already know the conditions of Fernandez Company, Mr. Adria, and all gentlemen, since you are all here, then tell me your decision, sorry, I don't have much time." ”

Adria Baf exchanged glances with the directors present, gritted his teeth and said: "70% of the shares, retain the existing operation and management team, if you agree to these two conditions, and all the financial business is transplanted to Union Credit Bank, we will agree." ”

The shareholders of UniCredit Bank actually know very well that if they can retain 30% of the shares, their original shareholders will be able to use more than $3.5 million in dividends every year, and if Fernandez's business scale continues to expand, these 20% shares can even bring them six or seven million dollars in dividends a year.

Although it is indeed heart-wrenching to let Fernandez get 70% of the shares for nothing, if Fernandez's conditions are not agreed, nine out of ten United Credit Bank will fail, in this case, it is better to exchange it for money.

For Chen Geng, it doesn't matter whether he is 85% or 70%, as long as he holds more than 66.7% of the shares, he will gain absolute control of United Credit Bank, but leave the existing management and operation team as a whole......

Chen Geng looked at Rosemary.

Rosemary whispered: "I think the current operations team at UniCredit is actually quite good, and that is evident from the fact that they were able to keep the bank profitable until the oil crisis." ”

"Well......" Chen Geng responded, didn't say yes, didn't say no, and motioned for Rosemary to continue.

"And because the business scale of UniCredit Bank is relatively small, in fact, the shareholders of the bank are also managers of various business outlets, and they are also very familiar with the specific business, so they ...... As long as we do a good job of supervision, I think this condition can be considered. ”

The shareholders of United Credit Bank nervously observed the change in Chen Geng's expression, and their hearts rose to their throats.

I can't help it, it's not easy.

For many private banks and private credit unions in the United States, in essence, they are self-financing private joint-stock companies, which put money into their own wallets when they make money, and carry it themselves when they lose...... Well, if you still owe loans from other banks at this time, or if you can't come up with the money yourself when it comes time to pay your property taxes once a year, don't blame the bank or the IRS for taking your house directly.

Speaking of which, the bankers of the United States and the capitalist countries as a whole are extremely envious of the banks of the socialist countries.

Why, you ask?

Of course, this is because the banks of the socialist countries are covered by the state treasury, and there is absolutely no worry about bankruptcy and liquidation.

Look at the heads of the banks of the USSR, and then look at yourself, it's really ...... Nima was speechless.

Under the staring eyes of the shareholders of United Credit Bank, Chen Geng pondered for a long time, and said categorically: "80%, in addition, you accept the company's adjustment of your business scope, if you increase capital and expand shares in the future, go public or introduce new investors, both parties will reduce their shares proportionally." ”

Well?

A group of shareholders look at me, I look at you, and finally their eyes fell on Adria Baf: Adria, it's time for you to speak.

Adria Baf smiled bitterly.

Without opening his mouth, he knew what his old fellows meant: he was worried that Chen Geng would kick himself out of the game in a reasonable and legal way commonly used by capitalists such as capital increase and share expansion, so he wanted to let himself open his mouth and agree with Fernández Chen on a proportion of shares that would never be reduced.

For capitalists, it is all too common to kick out weaker shareholders by increasing capital and shares, for example, the majority shareholder proposes to increase capital and shares, and in terms of the proportion of shares held by Fernández, the small shareholders have no way to refuse, so they can only keep up and share this part of the funds according to the proportion of the shares they hold.

But here's the problem, the strength of the minority shareholders is limited, and they can't take out so much money, what should they do? It's easy to do, the major shareholders say that I will pay this part of the money, and you only need to dilute a part of your shares according to the proportion...... After going back and forth so many times, the shares in the hands of the minority shareholders are scarce and pitiful, and even if the major shareholders don't kick you out, you have no say in the company.

Paul Boehner really doesn't want to speak, but if he doesn't, who will make himself the chairman.

"Do you want to get shares that are not diluted?" Chen Geng smiled, it was the kind of "you still want such a good thing?!" - what is a non-diluted share? It is not that this part of the shares will not be diluted, but when the company expands its shares and increases its capital, the corresponding capital contribution of this part of the shares will be paid by Chen Geng to ensure that the shares in the hands of these shareholders will not depreciate, but it will not really be diluted.

Paul Boehner was a little embarrassed, but for Chen Geng's reaction, he had already been mentally prepared before making this request, and said stubbornly: "I know that this condition is a little ...... Well, not quite right, but ......"

"Yes. Without waiting for Paul Boehner to finish explaining, Chen Geng said.

"Huh?"

Paul Boehner was stunned.

Not only Paul Boehner was stunned, but so were the other shareholders of Union Credit Bank: Did he say yes?

Fernandez seems to be a good talker, if that's the case......

Someone began to make small calculations in their hearts.

Who is Rosemary, seeing the eyes of some people who began to wander, he immediately realized what they were thinking in their hearts, and couldn't help but laugh secretly: Want to take advantage of the boss? hehe...... I want to blind your hearts!

"Want shares that aren't diluted, yes, no problem," Chen Geng nodded slowly: "Anyway, I didn't spend money to get Union Credit Bank, so I'm willing to give you some preferential treatment, but at the same time, you also have to pay some price." ”

Looking at the guys in front of him who had changed from the joy just now to a little uneasy, Chen Geng said: "90% of the bank's equity belongs to me, and you only have 10% ......."

"You mean the remaining 10% is an undiluted share?" Before Chen Geng finished speaking, Adria Bafu asked excitedly.

The other shareholders were also double-eyed: it would be nice to get 10% of the shares that would not be diluted under any circumstances.

As a commercial bank, if it weren't for the sudden economic crisis this time, according to the plan of the shareholders, it was originally going to operate the United Credit Bank to be listed next year, but this sudden economic crisis messed everything up, let alone go public, and now it is difficult to protect itself.

But now, not only did the receiver appear, but he also promised to give himself 10% of the shares that would not be diluted!

His seven shareholders can not only continue to work in the company, get a high annual salary, get hundreds of thousands of dividends at the end of the year, and have shares that will not be diluted after the bank is listed......

It's just delicious!

"What do you think," Chen Geng was a little speechless in the face of these daydreaming guys: "When your shares are diluted to 0.5% of the total share capital...... There are seven of you...... This guarantee clause will be automatically activated when your shares add up to 3.5% of the total share capital. ”

“0.5%？”

"Too little, right?"

"It's just, what can 0.5% do......"

............

Hearing that this protection clause will only be activated when the share ratio of each of their seven people is reduced to 0.5% of the total share capital, several shareholders immediately quit.

Chen Geng didn't feel surprised by their reaction at all, he nodded: "What if I promise it when the market value of United Credit Bank reaches 2 billion?"

When the market capitalization of UniCredit Bank reached $2 billion?

Hearing this premise, the shareholders of Union Credit Bank were immediately moved: a company with a market value of $2 billion is worth 0.5% of its total share capital in its own shares...... $10 million?!

$10 million, that means that he is a multimillionaire that countless people envy!

If that's the case...... That is to give himself a multimillionaire guarantee clause, a fool will not agree!

Several shareholders glanced at each other and nodded heavily: "Deal!"

——————————

On the Air King B200 flying to Detroit, Rosemary hesitated for a moment, but still asked her boss, "Boss, why are you ......"

"Are you trying to ask, why did I adjust the strategy we discussed before, and also gave a guarantee of 0.5% that will never be diluted?" Looking at Rosemary, who wanted to stop talking, Chen Geng said.

"Yes. Rosemary nodded happily in acknowledgement.

In fact, not only Rosemary was very curious about this question, but also Mirren, Statham and Lalefort, on the plane when they came, they listened to their boss and Miss Rosemary discuss the negotiation strategy the whole time, but in the end, the boss actually adjusted the strategy he made himself, and it was an adjustment that damaged his own interests, and they were a little puzzled.

"It's actually very simple, I don't want me to be a cold-blooded capitalist with only interests and money in my eyes, I want me to be a person of flesh and blood and feelings, I want the people around me, my partners and my friends to be there for me all the time, uh...... I say that, do you understand?"

Chen Geng felt that he was talking with chickens and ducks, but Rosemary, Mirren, Statham and Lalfort were instantly moved!

That's right, in the United States, a country where capital is supreme and money is supreme, rich capitalists enjoy everything in the world and take it for granted, while the poor can only guarantee a life that seems to be decent, but in fact has little risk resistance.

But they love such outliers!

I like this boss who sees himself as a human being and has a human touch.

Also, who likes a cold, hard-hearted boss who just thinks of himself as a worker? Who doesn't want their boss to be a human touch?

Rosemary sniffled vigorously, and her eyes were a little red: "Boss, now I believe that I can hold the shares of the company in my hands." ”

"Want to hold the stocks?" Chen Geng snorted: "United Community Bank and Wells Fargo are still waiting for my reply, you can help me get these two guys done first, and the team, these are all as soon as possible." ”

Looking at the ferocity that her boss deliberately pretended, Rosemary sneered.