Chapter 098: Insufficient Balance
"Take a pound and nine shillings?"
The lobby manager was a little surprised by this number, but he still stood in the lobby and did not make any other moves.
They run a bank, and if the customer takes the deposit certificate and wants to withdraw money, they have to give the customer money.
Unalterable principle.
The first customer took his money, took the cash, and walked out of the bank.
The lobby manager had an extra eye and sent someone to follow the other party to see what the person had done after withdrawing the money.
At the same time, a steady stream of customers came to the bank, and the first few customers asked to take £1.9 shillings.
There is an aura of conspiracy behind the whole thing, as long as you are not blind, you can see it!
Five or six customers took £1 and 9 shillings, and the lobby manager's uneasiness grew stronger and stronger, but he couldn't say why.
These people don't take much money.
If the people who come to withdraw their money today, everyone only takes 1 pound 9 shillings, there is no pressure on Fengya Bank!
He was even more worried that the other party still had some insidious moves that were useless, and it was just the beginning at the moment, and he couldn't take it lightly!
Soon, the change came.
A customer anxiously walked into the bank, took out three or four deposit receipts, and slapped them on the table.
"Get all the money out!"
Take them all out?!
The teller sorted out the deposit receipts, and it was 19 pounds in total, which should be the entire deposit of the other party's family.
The teller kindly reminded him,
"We won't pay interest on early withdrawals, do you want to think about it again?"
The customer hurriedly shook his head, without any consideration, and even urged again,
"Hurry up, I just need my money back!"
The teller quickly handled the procedures for the other party, and this kind of large-scale business requires the confirmation of the manager on duty.
After the manager confirmed, the teller was able to hand over a lot of money to the other party.
When the customer got the money, he finally breathed a sigh of relief, and he could see that he was a lot more relaxed.
The manager on duty took the opportunity to take the other party aside and knocked on the side, wanting to ask why the other party had come to withdraw all his savings, and was even willing to give up all the interest.
In the beginning, the customer was wary and tough, unwilling to talk nonsense with the manager, and just wanted to leave with his own money.
Until the manager promises to the other party that he can return a part of the deducted interest to the other party.
After getting the money, the customer immediately changed his face and said the reason with a smile,
"It's not the Coral Sea Company that caused the trouble, you know how badly their stock fell."
The manager on duty smiled and nodded, and asked his own questions appropriately,
"But the collapse of the stock price of Coral Sea Company has anything to do with our Fengya Bank?"
They don't speculate in stocks!
The customer showed a 'you know' smile and said with an ambiguous expression,
"This. It's up to you to ask yourselves! You know best what you've done, don't you? ”
What has been done?
The manager is confused, he doesn't make it!
He really didn't know what Fonasia Bank had done with Coral Sea shares.
The manager was sure that the bank's board of directors did not speculate on stocks, at least not using the bank's funds to speculate in stocks.
Taking a step back, the members of the board of directors have lost money in their own stock speculation, and they have nothing to do with Fengya Bank, and it will not affect the operation of Fengya Bank.
At the same time, the bank's loan approval is very strict, and there is no loan to those shell companies, and there is no problem of non-performing assets.
He can pack the ticket, Fengya Bank is definitely the best bank in the fog capital, there is no one!
If anyone secretly cares about Fonasia Bank and wants to fish in troubled waters and bite off a piece of fat on Fonasia Bank, they have made a mistake!
Politely sending customers away, the manager on duty found that the number of people queuing outside did not decrease in the slightest, and even increased!
People who walk out of Fonasia Bank will be surrounded by other people who will ask some questions.
These questions are the same, but they are generally the following:
"Did you get the money?"
"Can I still withdraw my money now?"
"How much did you take?"
And according to the observation of the manager on duty, all answered truthfully.
Especially the last question.
Most of them took only £19 shillings, and when they answered that figure, others would ask: "Why do you take this money?" ”
This kind of suspicion will be further aggravated and become another kind of speculation:
"Is Fonya Bank restricting withdrawals?"
£9 is apparently a line set up by the Bank of Fonasia to set a ceiling on what people can withdraw.
When people received the news, they immediately returned home, took their deposit receipts from Fengya Bank, and joined the long queue!
No matter what really happened to FonAsia Bank, a bank that restricts withdrawals is definitely not a good bank!
People are constantly joining the army of withdrawals, holding deposit receipts, and starting to queue up.
In order to refute the rumors, the manager on duty hurriedly sent someone to write an announcement and posted it in conspicuous places everywhere, stating that Fengya Bank has no withdrawal restrictions, has abundant funds, and everyone does not need to panic.
As soon as the announcement came out, the response was even greater!
The skeptical crowd is more like the suspicion in the bottom of their hearts.
And the people who don't know the truth also began to doubt the moment they saw the announcement.
The duty manager quickly discovered the problem.
After the announcement was issued, the number of people who took £1 and 9 shillings did decrease.
It's all in full!
For a whole morning, Fonya Bank could only get in and out, and spent more than 2,000 pounds in cash alone!
This is not a large number, and it is even more so for Fonyabank.
But looking at the long queue outside, the manager on duty was a little desperate.
Any bank, in the face of a run on all depositors, has only one end!
He hurriedly sent someone to take down the announcement outside so as not to continue to cause impact.
At the same time, the manager had already sent someone to inform the board of directors and contacted various banks to replenish his cash.
If this trend continues, within a week, all the cash in Fonasia Bank will be exhausted!
Once the situation is bad enough to get to that point, Fengya Bank is not far from going bankrupt!
After waiting in line all morning, it was finally Michael's turn.
Michael handed over his deposit slip and said politely,
"I'll take 1 pound 9 shillings."
I have to say that he watched a good show outside, and there was a lot of discussion in the crowd, and all kinds of gossip were spreading, as if they had seen the boss of Fengya Bank stealing money with their own eyes, and they saw the account books of Fengya Bank with their own eyes.
In fact, based on Michael's many years of experience in dealing with banks, Fengya Bank is one of the best banks in Wudu.
It shouldn't be a problem. Right?
A crisp voice interrupted Michael's thoughts.
The teller said apologetically,
"Sorry sir, we can't give you that much money."
Hearing this, Michael was a little shocked!
Could it be said. Is Fengya Bank really bad?
The teller pushed the deposit slip back and explained seriously,
"Your balance is insufficient."
(End of chapter)