The main entrance to Hoffmann Bank, located on Avenue Pilatus, is an almost square Art Deco building with a four-to-three ratio of length to width.

Designed by the famous Swiss architect Hermannhet, the building was a landmark in Lucernetown when it was built in the fifties.

Just over 100 metres from Lucerne train station, separated by only one building, the bank is the centre of Lucerne.

Outside the city, it is rare to see more than five cars on the street at the same time, and most of the time, not a single car is seen passing by for half a day.

Only in the city center can you see the traffic.

However, this scene cannot be compared with the country in the previous life, there are less than 100,000 people in the city of Lucerne, and it is divided into two urban districts.

Most of the people you see on the streets every day are foreigners, and this small city of less than 100,000 people receives more than 100,000 beds every day, plus tourists in transit, it receives more than 300,000 people every day.

August is the time of the Lucerne Classical Music Festival, and the two hotels opposite Hoffmann Bank, as well as several shopping malls in the vicinity, are overcrowded.

Because it is not a commercial bank, Hoffmann Bank does not have a commercial bank counter hall, and the gate is very small, and there is not even a parking lot at the entrance.

Jonas drove his grandmother Hannah and drove straight to the backyard gate behind the bank on the left.

This gate is only four meters wide and three meters high, with a three-meter-high statue of the goddess Harvest on each side of the marble pillars.

This is the goddess of the Greek gods, she is the sister of Zeus and the mother of the queen of the underworld.

She gives life to the earth and can cause all things to wither. She taught humans to farm, and she could make people have endless wealth, and at the same time, she could make people destitute.

Not only at the gate, but also on the walls of this building, there are reliefs of the goddess of harvest everywhere.

The car drove directly into the gate, because the area was limited, the entrance was downhill, and the car drove directly to the underground parking lot.

The first and second floors are underground parking lots, the third floor is the information database, and there is a negative four floor, which is the bank vault.

The vault is divided into several levels, and at the very back there is a very large safe containing all kinds of bonds and contracts of great value.

The building has four basement floors and four floors above ground. In '75, Yannick added a smaller floor to the roof of the building and added a roof to the building.

This additional floor became Yannick's home base during his time in Lucerne, and it was mostly staffed not by the original bank staff, but by the investment department.

Although the Lucerne Hoffmann Bank is the head office, it has six branches and a total staff of less than 300 people.

There are no more than 200 people at the headquarters, and a small half of them do not work in the bank most of the time.

So when I entered this building, which covers an area of seven hundred, has eight floors and a total area of more than five thousand, because there are only one or two hundred people, there is a gloomy and deserted feeling.

The most luxurious decoration of the bank is the ground floor, which is the place to receive VIPs, and the classical decoration style makes it less like a bank and more like the living room of a square castle.

In addition to the several reception areas in the lobby, there are several meeting rooms and meeting rooms on the ground floor, each with a different style of décor, but equally luxurious.

The second and third floors are used for the offices of the bank's staff, and a small half of the fourth floor is dedicated to the document repository, and the other is the offices of several directors.

Jonas didn't like to come to the bank when he was a child, the first, second and third floors here are a little better, a little popular, and the fourth floor and basement are used for horror movies without sets.

The marble house of the fifties, because it was a bank, was built very sturdy.

The window is small, only one meter wide but nearly three meters high, with double glazing and steel bars the thickness of a child's arm.

In addition, the thickness of the walls is almost a meter, and it is almost impossible for sunlight to shine in. Even in broad daylight, there is still not much light in it, and the lights need to be turned on.

What kid would love such an environment?

But now, he had to come, to prepare for the future.

Hannah thought he had come to the bank to read the newspapers, but that was just one of his purposes.

It is not the main purpose to come to the bank to learn and ask people, but the main purpose is to familiarize yourself with the operation of the bank.

He must be prepared to prevent future accidents in Yannick that could lead to difficulties in the bank's operations.

In the mid-18th century, the Hoffmanns were on the wrong side of the Lucerne War of Independence, and only one person died in the war.

He gave birth to two sons, forming the branch of Lucerne and the branch of Basel.

At that time, it was the eldest son who inherited the family property and the second son who went out to work hard.

However, the offspring of the branch that developed in Basil became a world-renowned chemist, and founded a world-class large enterprise, and now it is better off than the firstborn line.

In Yannick's generation, Yannick was arranged to study finance and inherit the family business.

The second son, Yankel, was arranged to study law to avoid competition with the eldest son.

Because of the large age difference, the third Jacob did not make special arrangements, and he chose to study business management by himself.

This arrangement is actually very reasonable, although the Hoffman family has three sons, but the three brothers do not fight to the death.

On the other hand, the Liszt family in Parler, because both sons studied finance and entered the family bank, has serious internal friction so far.

Jonas's second uncle had a knot with Yannick, he studied law, and although he now works in the United Nations, he is not as good as being a free banker.

But in reality, his interests were not compromised.

Because the Hoffman family fund is controlled by Hannah, Yankel works at the United Nations, and the family receives millions of family dividends from the family fund every year.

Hoffmann Bank is not a commercial bank, it mainly conducts sound capital management, and contacts are all peers.

This inter-peer lending, including investments from state funds, is sound but has little benefit.

Hoffman Bank, on the other hand, needs to calculate the number after the percentage point according to the annual interest adjustment, promising customers a higher return than the bank interest.

For example, commercial banks have a fixed interest rate of 3 percent per annum, and Hoffman Bank must commit to more than 4 percent in order for the rich to give their spare money to Hoffman Bank management.

Hoffman Bank's capital management scale has been around 5 billion yuan in the past, and according to the average promised rate of return of 5 percent, the annual profit must reach more than 250 million yuan.

Moreover, Hoffman Bank cannot take any risks, and any bad debts mean that it takes years of profits to fill in.

The most prudent investments are mainly short-term lending by peers, guaranteed investments such as national sovereign wealth funds, etc., in which the profit margin is not large.

Moreover, the salaries of professionals working in the financial industry are very high, as the average Swiss person earns less than 10,000 Swiss francs a year, but the average income of bankers is about 30,000 yuan.

Hoffmann Bank has 300 employees, and salaries alone cost tens of millions of Swiss francs a year, not counting any other expenses.

Jonas's grandfather was a very cautious banker, and according to his memory, the best years of Hoffman's bank in the past were only 20 million a year, and there were often times when they lost money.

Therefore, Yannick looked down on Hoffmann Bank, and after he took over Hoffman Bank, he made Osberg the general manager of the bank, still in charge of the bank's business, and he took a different path and did private equity, options, and equity investment.

Now, he also serves as the fund manager for the Macridge interest group.

At present, the investment business and the banking business are separated, and the investment business does not need too many people, and they borrow the bank's information channels, and they don't even need to recruit too many intelligence analysts, so they build up the shelf.

And Hannah, the chairman, although he is nominal chairman, actually rarely cares about business work.

When Grandpa Jonas was alive, she didn't take care of any specific affairs, and now she mainly helps Yannick with the house.

So even if she comes to the bank, many times, she does what the chairman of the union does, to solve the worries of the bank staff.

Parking in the parking lot, Jonas and Grandma stepped into the elevator.

The bank is a place where the secrecy system is very needed, not only the internal separation, but also the passage between the floors is specially guarded, and the personnel of different departments are almost impossible to visit each other.

There are only four elevators in the 700-square-meter building, and everyone must enter and exit through the elevator unless it is an emergency.

When the elevator reached the first floor, two staff members came in. They greeted Hannah respectfully, but only nodded faintly to Jonas as the heir, and there was no grovelling flattery to the second ancestor.

They respect Hannah only because Hannah is a parent who takes care of their food and clothing, and like Jonas, he doesn't have a bank position and doesn't need to be bothered at all.

Of course, Jonas could not possibly put on a stand in front of them, and his personal dignity and freedom were inviolable.

Jonas dared to make trouble with them, and people could turn around and sue him, so that they would not be restricted by industry standards, not only compensation, but also directly change jobs.

The elevator arrives on the fourth floor, and at the entrance of the elevator is the Information Department, where some recent information and intelligence are kept, and this is the only department in the bank that does not block anyone.

However, the scope of inquiry is different depending on the level of authorization to inquire about intelligence information.

In addition to the copywriting department, there are also the offices of Hannah, Osberg, as well as the manager of the external relations department, the manager of the security department, and the offices of the managers of other departments, all of which are located in the department.

Taking Jonas to the fourth floor, Hannah said, "If you want to check the information and ask for homework, you can go to Wolf from the Information Department." I need to make a trip to the vault to complete today's routine check-up. ”

"Don't you need me to accompany you? ”

She smiled and said, "I'm not old enough to walk." ”