"As a strategic partner of United Community Bank, we deserve you a higher return," Brian Moynihan took a deep breath, "but compared to Wells Fargo, we are a small bank after all, and we can't give you so much in terms of rebates, at most, we can only add 5% to your existing base."

In addition, the United Community Bank also has some influence in the government, although it cannot be compared to Wells Fargo, but I promise that when there is something that you need the help of the United Community Bank, we will do our best......"

Before Brian Moynihan finished speaking, Chen Geng smiled: "Mr. Moynihan, do you think I can believe what the bank said to me, 'I will do my best to help you at a critical moment'? Although we are partners, I might as well put it bluntly, the bank's favorite thing to do is never to give charcoal in the snow, but to add icing on the cake." ”

Brian Moynihan's face was suddenly full of embarrassment.

But he could not refute the fact that in the capitalist countries of the world, it is accepted by everyone, including the bankers themselves, that money must be lent to the rich, and at the same time it must not be lent to the poor.

Why is the United Community Bank crying and shouting and hugging Chen Geng's thigh and yelling at Dad? Not because Chen Geng is really the father of the United Community Bank, but because Chen Geng can bring huge profits to the United Community Bank, but on the other hand, once one day in the future, the cooperation with Chen Geng threatens the interests of the United Community Bank, or as Brian Moynihan said, Chen Geng needs to do everything in his power to help the United Community Bank...... When the time comes, the United Community Bank will be the fastest one.

But for capitalists, as long as they can make money, face or anything is actually not important, Brian Moynihan looked at Rosemary with a pleading face, hoping that Rosemary would help him say two good words.

Facing her former leader, Rosemary was not polite at all: "Brian, United Community Bank is now a listed bank, if Fernandez gives up the United Community and hands over the auto finance credit business to Wells Fargo, how much do you guess the stock price of United Community Bank will fall?"

Brian Moynehan's face suddenly changed!

As a listed commercial bank, the total assets of United Community Bank have reached 400 million US dollars, but once the news of its core customers being poached, the stock price does not dare to say that it has fallen by 20 percent, but it is absolutely easy to fall by 10 percent...... If you see the poor performance after losing Fernandez, a core customer, the stock price can definitely only continue to fall.

"So ......"

There are some things that Chen Geng, as the boss, is not suitable to say, but Rosemary has no problem: "If you want Fernandez to stay in the United Community Bank, no problem, as long as the United Community Bank agrees to us on one condition, then it is not a problem." ”

"Tell me. Although he felt very bad in his heart, Brian Moynihan still had to bite the bullet.

"Fernández wants to take a stake in the United Community Bank. ”

"What?!"

After playing, Brian Moynihan stood up suddenly: "This is impossible...... This...... The board could not have agreed to ......"

"Nothing is impossible," Rosemary said politely, "Brian, you may have forgotten that the outstanding shares of Union Community Bank account for 46.75% of the total share capital, so whether the board of directors agrees or not, that is not a question at all, the key depends on which way my boss wants to hold the 9.99% of the shares." ”

“......”

Brian Moynehan slumped into his chair and couldn't say a word.

Yes, just like Rosemary said, as a listed commercial bank, whether the shareholders of the United Community Bank agree with Chen Geng's holding of the bank's shares does not affect anything at all, even if the entire board of directors and all the shareholders disagree? Fernández can completely buy the tradable shares from the stock market publicly, although it is a bit troublesome to put nearly one-fifth of the tradable shares into the hands of one person, and the cost is not small, but as long as Chen Geng is willing to spend a little time and energy, this is not a problem at all.

Once Chen Geng successfully holds 9.99% of the shares of United Community Bank, he will change from the core customer of United Community Bank to the third largest shareholder of United Community Bank plus core customers, which is no longer a matter of quantitative and qualitative change, this is another qualitative change after qualitative change.

In this case, once Chen Geng needs the help of the United Community Bank, as long as it is not the kind that requires the United Community Bank to sell blood, the United Community Bank can only pinch its nose and admit it...... What else could they do?

But the simple and crude manipulation mode of direct acquisition of tradable shares is obviously not what Chen Geng wants, is the reason...... Is the cost of such an operation too high?

As for why Chen Geng holds 9.99% instead of 10%, this involves the relevant laws and regulations of the US government on banks, because according to the requirements of relevant laws and regulations in the United States, if the shareholding ratio of the bank reaches 10% of the total share capital, it must apply to the competent department for approval, and as long as it does not reach 10%, then there is no need to declare.

Therefore, Warren Buffett, the "god of stocks", only holds 9.9% of the shares of Wells Fargo, and Chen Geng has little ambition, and he only intends to hold 9.99% of the shares of United Community Bank.

"Mr. Fernández ......"

Brian Moynihan stood up a little dejected, and was much more polite to Chen Geng in his words: "Please forgive me, your request is not within the scope of the board of directors' authorization for me, and I can't answer you now, so I ......"

For this bull man who is very likely to acquire tradable shares and become the third largest shareholder of the company in the future, Brian Moynihan has to be polite, what if the other party becomes his boss one day in the future? And in front of the capitalists who want to become their own bosses if they don't agree with each other, it is better to be polite and respectful.

"Of course," Chen Geng nodded with a smile, of course this kind of thing can't be done in a few words: "I'm waiting for your good news." ”

Brian Moynihan breathed a sigh of relief, he was really a little afraid that Chen Geng would deliberately embarrass his little person.

"Oh, that's right," Chen Geng, who was about to end the meeting, suddenly remembered something, and said to Brian Moynihan with a smile: "Brian, you know that the Ministry of Defense is preparing to change our soldiers into a new generation of 'donkeys', right?"

"Well, I know. ”

Brian Moynihan nodded, but it was a little strange what Chen Geng was doing when he suddenly mentioned this.

As for Chen Geng's Fernandez company's intention to get involved in this, it is not in the scope of Brian Moynehan's consideration at all: one of the four major American automakers, Ford Motor, which has the best economic benefits today, is the manufacturer of the M151 military light jeep in service in the U.S. military; AMC, which is also one of the four major automobile manufacturers in the United States, is now the last seat among the four major and its market share has repeatedly refreshed new lows, but the four are the four big, and the Willis Jeep from World War II to the 50s before the M151 was redressed, all belong to their family, not to mention the two automobile giants General Motors and Chrysler are still eyeing each other.

"Fernández is ready to participate in this bidding. ”

After speaking, before Brian Moynihan could react, Chen Geng had already waved his hand and quietly left.

"Crazy...... Must be insane......"

For a long time, Brian Moynihan looked at the door and muttered.

But he knew better in his heart that no matter whether Chen Geng was really crazy or not, he had to tell the board of directors the news as quickly as possible...... This kind of thing is not something that a small professional manager can mix.

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

"Does Fernandez really say that? Are they really going to participate in the bidding for the new generation of military vehicles in the US military?"

To Brian Moynihan's surprise, Chairman Byrne did not laugh at Chen Geng's indiscretion for Chen Geng's plan to participate in the bidding for the new generation of "donkeys" of the US military, on the contrary, if he heard correctly, Mr. Byrne seemed to be ...... Somewhat anxious?

"Yes, that's what he said. Not knowing why Mr. Byrne reacted this way, Brian Moynihan cautiously replied with normal logic, shouldn't you be most concerned about the issue of shares?

"Okay, I got ......"

Do you know? What do you know? Monk Brian Moynihan was puzzled, but his boss didn't hang up the phone, so he could only hold back the doubts in his heart and wait.

He didn't make Brian Moynihan wait too long, and in less than a minute, Bourne spoke again: "Brian, you tell Fernandez that the matter of shares is not impossible to discuss. ”

“......”

Can we talk about it? Brian Moynihan was confused: what went wrong?

But he didn't dare to question his boss's decision, and after making sure that the boss wasn't joking with him, he had to obediently agree.

Bourne hung up the phone, pondered for a moment, and suddenly laughed: "Interesting, really an interesting boy......"

It is true that the United Community Bank is a small and medium-sized bank, but after all, it is also a bank that can barely rank among the top 50 banks in the United States in terms of comprehensive strength, and it is also one of the few banks in the United States that can maintain both performance and profit growth since the outbreak of the second oil crisis.

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