In the café on the ninth floor of the headquarters of Tatfook Bank, Zheng Fan and Qin Yan sat opposite each other.

"There are many commercial buildings in the surrounding ecological business district, all of which are under construction of Sengkang Department Store." Faced with Qin Yan's question, Zheng Fan replied with a light smile.

"Sengkang Department Store?"

It was only at this time that Qin Yan understood why the abnormality of the huge business district was not reflected in the assets and financial data of Tatfook Bank.

"Although Sengkang Department Store owes a loan of 300 million Hong Kong dollars to Tatfook Bank, it and Tatfook Bank are two companies, and the separation of financial and asset systems has also caused the actual situation of Sengkang Department Store, which is difficult to reveal in the intuitive data of Tatfook Bank." Zheng Fan said with his eyelids on his faces.

"Do you mean that the Bella family wants to continue to replenish funds to Sengkang Department Store and achieve the goal of revitalizing the entire business district?" Qin Yan asked with her eyes slightly open.

"In Central, a prosperous place, with such a large business district, its value is attractive enough for many consortia, whether it is to continue to inject capital into Sengkang Department Store, or through its bankruptcy auction assets, it is not a loss for the Bella family, not to mention that the fundamentals of Tatfook Bank are still so poor, clinging to this privatized bank whose main business is difficult to develop, will only fall deeper." Zheng Fan looked through the floor-to-ceiling windows towards a part of the business district outside Tatfook Bank.

"In this way, compared to the main business of the bank, Dafu Bank is like a real estate company." Even if Zheng Fan didn't see it deeply, Qin Yan also realized that the main business of Dafu Bank had no development potential.

"Even if Sengkang Department Store is in crisis, this huge business district in Central will not be shelved indefinitely, especially when it is almost built, it is only a matter of time before the assets of the entire business district are revitalized." Zheng Fan said with a little deep meaning.

"You want to hit Sengkang Department Store?"

In the acquisition of Dafu Bank, Qin Yan has a lot of doubts.

"If you can win Dafu Bank, it is equivalent to inserting one foot into this business district, and you have to know your neighbors well." Zheng Fan did not give a clear answer.

"With our existing business, not to mention the nine-story super large office area of the Hong Kong headquarters of Tatfook Bank, I am afraid that we will not even be able to use one floor." Before entering the conference room, Qin Yan reminded Zheng Fan seriously.

"You see that the main business of Dafu Bank is not good, but it has raised a lot of people, if we can settle in smoothly, it is equivalent to taking over a big burden." Zheng Fan took a sip of coffee, his eyes restrained with thought.

"The follow-up restructuring is probably imperative, if we don't lay off people, with the existing stalls of Dafu Bank, we can't support it at all." Qin Yan didn't look very optimistic.

"If there are any more layoffs, it is estimated that the business of Tatfook Bank will be completely suspended, even if it cannot expand for the time being, it must maintain the status quo." Zheng Fan did not agree with Qin Yan's opinion.

"The key is the loan clearance that we talked about today, don't you have to think about this part again? In addition, if Dafu Bank really divests non-performing assets, I am curious about what kind of approach the Bella family will take, after all, few people are willing to take over the problematic assets, and the crisis of Sengkang Department Store does not seem to have been resolved. Qin Yan said that later, there was a faint look of curiosity.

In the case that Zheng Fan gave Anne a deadline, it was almost difficult to clear the loan business in such a short period of time, which was almost difficult to complete in Qin Yan's opinion.

"The problem should not be big, the use of financial asset management companies, to manage and dispose of the bank's non-performing assets, is a common practice in the world, if Tatfook Bank wants to achieve the goal of stripping non-performing assets in a short period of time, this is the most effective method." Zheng Fan's expression had calmed down.

"If you say, as you said, there are probably some agreements between the Bella family and the financial asset management company." Qin Yan feels that the company's governance and operation are far from being as simple as she imagined.

"If you use a financial asset management company, it can be controlled by the Bella family itself, or it can be an external agreement, but these are not important, and the non-performing assets of Tatfook Bank can be stripped as soon as possible, and we will also become a beneficiary." With Qin Yan having some considerations, Zheng Fan had already gotten up from the café.

"No matter what you have in mind, the situation of Sengkang Department Store, I will hurry up and find out." Qin Yan's response made Zheng Fan smile upturned.

"The company's senior management has already arrived at the conference room, just waiting for Mr. Zheng." Seeing that Zheng Fan and Qin Yan finished talking, the Chinese female secretary hurriedly stepped forward to lead.

The simple and transparent glass conference room, which is large and oval, is very modern, and some executives of Dafu Bank can't help but get nervous when they see Zheng Fan bringing people in.

"This is Mr. Zheng from the mainland, and he is also a potential acquirer of Tatfook Bank, please welcome." Because of the transfer of Dafu Bank, a preliminary intention has been reached, and the bank loan clearance plan is also being sorted out, so Anne no longer hides anything.

Except for the blonde girl, the seven executives sitting in the conference room before all got up one after another to express their respect for Zheng Fan, who may become the new boss.

"Let's all sit down, before I actually settled in Dafu Bank, I can only be regarded as a bystander." Zheng Fan maintained a wait-and-see attitude, and took Qin Yan and Kong Ning to sit down at the FRP conference table.

"Next, I will show Mr. Zheng the proposal on the liquidation of bank loans and the stripping of non-performing assets." The blonde girl was no longer polite, and motioned for a middle-aged man in a suit from the finance department to step forward.

"At present, we are doing the third quarter financial report, according to the requirements of President Anne, Dafu Bank will make provision for the bad debts of all assets of the bank when the loan business is cleared, and all payables will also be supplemented and settled with reserves......" Before the middle-aged man finished speaking, he was interrupted by Zheng Fan raising his hand.

"I want to know, the so-called reserve replenishment of Tatfook Bank is from the bank's actual net assets, or a one-time capital injection by the Bella family, President Anne, you should know that the 100 million US dollar bid I gave is based on the bank's actual assets and financial data before you took out the bank's actual assets and financial data, and made a comprehensive consideration, if when I take over, the net assets of Tatfook Bank and the standard of consideration have a way out, maybe this price will have to be negotiated." Zheng Fan's laughter made the blonde girl frown obviously.

"Regarding the loss of actual net assets, our Bella family will inject funds into the bank at one time to replenish it to ensure the accuracy of the consideration of acquisition intentions." It was still a gray-haired foreign old man at the conference table, who gave Zheng Fan a clear response.

"It's reassuring to have a clear statement, so please continue." Zheng Fan lit a cigarette and smiled at everyone.

"In order to clear the bank's loan business, as well as non-performing assets and liabilities at one time, the Birla family will cooperate with Heung Kong Asset Management Company to ensure that all relevant work is completed in a short time. The old man's statement with white hair made Qin Yan sigh secretly.

"This is the best, I only hope that Dafu Bank will travel lightly in the case of relatively good asset quality, after all, the purchase price of 100 million US dollars is already a lot of pressure, as for the relationship between the Bella family and Heung Kong Asset Management Company, what kind of agreement there is, I am not interested." Zheng Fan looked unconcerned about himself, and hung up high.

In the conference room, the discussion about the bank's divestment of non-performing assets and the liquidation of loans continued, and the specific details were discussed, but Zheng Fan did not say anything more.

Not only that, the heads of various departments even made a certain introduction to the current situation of the bank, which is far more comprehensive and detailed than the assets and financial data handed over to Zheng Fan.

Qin Yan and Kong Ning could even feel the positive attitude of the Bella family in promoting the transfer of Dafu Bank.

In the spacious oval glass conference room, the projector, video telephone, and computer conference equipment are very complete.

However, most of the time, the executives of Tatfook Bank report and explain through the whiteboard, which is more intuitive and convenient.

As a privatized bank, Tafook Bank has no board of directors, and its company's assets are ostensibly entirely owned by Neil Bella, Anne's grandfather, but due to health reasons, the decisions of Tatfook Bank are handled by the blonde girl.

Privatized sole proprietorship, although it is a very old form of enterprise, is still widely used in commercial operations, and its typical characteristics are individual capital contribution, individual operation, and individual responsibility for profits and losses and risks.

At present, several executives in the conference room, except for the gray-haired foreign elderly, are all working for the Bella family, but their positions are slightly higher than ordinary employees.

"To sum up, in the case of Tatfook Bank's loan business clearing, the deposit amount can still be maintained at about 300 million Hong Kong dollars, although this part of the funds is in the account of Tatfook Bank, but the loss of loan business, but it is equivalent to the loss of deposit and loan spreads, and in the future for a period of time, it will be necessary to pay depositors interest, but the total deposit of 300 million yuan can be reinvested...... "The middle-aged man in the finance department said that he was a little apprehensive later.

"In addition, I would like to add that when the Tatfook Bank is transferred, the Bella family will follow the transfer reference basis given before, and the bank's own liquidity will be 100 million Hong Kong dollars, so as to maintain the follow-up operation of the bank taken over by Mr. Zheng. The blonde girl seems to have given Zheng Fan a big gift.

"In addition to 100 million in liquidity, the bank that the Bella family sold to me is nothing more than three real estate projects in Hong Kong, London and New York, but this is good, it saves too much trouble." Zheng Fan said with a playful smile.

(The first update will be delivered, and there will be more later.) ）