"Arai-san, how is the operation of the Hokuto Bank this year?"

In addition to Shirakawa Electric and SIC, Shirakawa Kaede is also most concerned about the situation of Beidu Bank.

As the only financial institution in Shirakawa Holdings, it is of extraordinary strategic importance for the future.

Hearing Shirakawa Kaede's inquiry, Arai Yu picked up the information at hand and began to make a detailed report.

"Compared with last year, the pace of expansion of Beidu Bank has accelerated again.

In addition to the five prefectures of Tohoku and Hokkaido, we are also promoting the construction of Hokuto Bank branches in Tokyo and the south.

Compared with the 18 branches when it was first taken over at the beginning of 81, after two years of development, there are now 49 branches of Beidu Bank in the neon range.

Tokyo has the highest density of branch offices, with a total of 10 branches spread throughout Tokyo, including the Hachioji branch under construction. ”

Branch is the meaning of branch, and after two years of development, there are 49 branches, which is already very remarkable.

And that's not even counting the ATMs that are dotted around the streets, because by branch we mean branches with business halls.

If you only look at the terminal of the Hokuto Bank, which is accessible to the general public, then the 23 wards of Tokyo are already full of its shadows.

"Next year's branch expansion plan can focus a little on the layout of the south, where the influence of the Beidu Bank is still too low."

In the southern regions of Kyushu and Shikoku, except for a few major cities, the Hokuto Bank has little presence.

Shirakawa Kaede's original idea was to open the Hokuto Bank into every city with a population of more than 200,000 people in the whole city before 85 years.

Now it seems that this speed is still a little slower, but the financial industry alone really can't support the expansion of Beidu Bank at such a speed.

And Arai Yu heard Shirakawa Kaede's command, although he nodded in agreement, but his expression was also a lot more serious.

Such a task is not easy for him.

Because the Bank has almost no roots of its own in the south, it is easy to become a negative asset for the bank if it expands too quickly.

"Well, next year Shirakawa Electric will choose a place in Kyushu and Shikoku.

It was used to build a second optical disc factory and an optical drive factory to be used with it.

At that time, Beidu Bank can synchronize with them to settle in the local area, and then use this as a base point for decentralized expansion. ”

"In this case, Beidu Bank is confident that it will complete this task."

Sure enough, when Arai Yu heard Shirakawa Kaede's move, his expression visibly relaxed.

The Hokuto Bank alone may not work, but with the addition of Shirakawa Electric's factory, it is completely different.

In Tokyo, the reason why Hokuto Bank expanded so quickly was because of the factory of Shirakawa Electric Appliances.

Thousands of people's salary cards are all opened in Beidu Bank, and these are all active users.

In addition to depositing their savings in Beidu Bank, many people will also use Beidu Bank to manage their finances.

With their participation, Hokuto Bank was able to take root in Tokyo in just one year.

If this set is replicated in the south, there is no doubt that it is much more reliable than the Northern Capital Bank itself.

After planning the bank's development strategy for the coming year, Yuya Arai began to report to Shirakawa Kaede on the revenue of Kitato Bank for the year.

Unlike last year's lack of presence, this year, Beidu Bank took advantage of the listing opportunity of Shirakawa Electric to make a lot of money.

The profit from the underwriting of new shares alone was 12 billion yen, and since then, Beidu Securities has also made a small profit of about 4 billion yuan by using the primary and secondary markets of stocks.

These are just the dividends brought by the listing of Shirakawa Electric, and don't forget the main business of Beidu Bank.

Investment income, intermediary business income, interest differential income, credit card business income, these are the main sources of bank profits.

Among them, investment, interest margins, and credit cards are the majority of profits, but as long as the profits of Beidu Bank come from the latter two.

As for investment, there are many agricultural projects in Akita.

However, the income is very impressive, and it is not 500 million yen a year.

But fortunately, it is still stable, so Shirakawa Kaede did not move this part of the related business, but planned to hold it in the medium and long term.

And the interest rate spread and credit card business, for the bank does make money.

The interest rate difference is the difference between the interest on the depositor's money and the interest on the bank's loan.

And many of the depositors of the Hokuto Bank are employees of Shirakawa Electric, and their salaries add up to an absolutely staggering figure.

Even if Beidu Bank does not lend, the interest on interbank deposits is not a small number.

As for credit cards, which mainly earn annual fees and installment fees, this is the second largest source of profit for Beidu Bank.

In the whole year of 82, the total profit of Beidu Bank's financial business was about 43 billion.

Combined with the dividends from Shirakawa's listing, the total is 59 billion yen.

It may seem like a lot, but compared with Daiichi Bank and banks such as Mitsubishi and Sumitomo, it is at least ten times worse.

The journey from a local bank to a medium-sized bank will not be easy.

Beidu Bank is only on the way to turn around, struggling to move forward.

If normal development follows, it could take decades to accomplish this.

Of course, if there is a once-in-a-century opportunity in the middle, it may not be impossible to soar into the sky.

However, of the 59 billion profit, only about 40 billion can fall into the account of Shirakawa Holdings.

After all, after two years, Shirakawa Holdings only controls about 70% of the shares of Beidu Bank.

As the core enterprise of the future under Shirakawa Holdings, although Beidu Bank has not yet grown, its profitability has been seen.

In terms of revenue, Beidu Bank probably ranks third within Shirakawa Holdings.

This was followed by HAL Research, the only software industry company within the group, which also achieved record revenue this year.

The lion's share of the profit comes from the Kanji reading cards installed on Fujitsu's personal computers, which have shipped more than 500,000 units so far.

Because its cost is very low, two-thirds of the selling price of 29,800 yen is profitable.

Therefore, this product alone has brought nearly 9 billion yen in profits to the HAL Research Institute.

In addition, the computer game department is also attacking everywhere, and the three computer platforms Fujitsu, NEC, and Sharp have all landed games developed by HAL.

This year's figure has soared to 7 billion yen, compared to less than 600 million yen last year.

The biggest contributor to this is, of course, our fat classmate Satoshi Iwata.

"What are HAL's plans for the computer game business next year?"

At the beginning of the computer game department, Shirakawa Kaede directly appointed him as the head of the department.

This is a pressure and a motivation for Satoshi Iwata, who has just graduated.

His obsession with games is well known, and he officially joined HAL directly after graduating from Tokyo Institute of Technology.

He also had a big fight with his father, who was the mayor of Muroran City, Hokkaido.

Like many traditional parents, he could never tolerate his son doing what others saw as unscrupulous play.

Returning to Hokkaido, inheriting his mantle is the way to go.

It is foreseeable that the very different values of the father and son will inevitably lead to a fierce conflict.

At the height of the trouble, Satoshi Iwata almost planned to live in Tokyo forever and never return to Hokkaido.

In the end, it was Shirakawa Kaede who personally called Iwata Hiroshi, that is, Iwata's father, to persuade him to agree to Iwata Satoshi to work at the HAL Research Institute.

I have to say that the name of Shirakawa Electric is still very good, especially in Tohoku and Hokkaido.

Iwata Hiroshi was still stubborn, but after learning that it was Shirakawa Kaede who hired Iwata Satoshi, he recognized the fact that his son was engaged in the game industry.

It's not that he recognizes the prospects of the game industry, it's just that Kaede Shirakawa's name has been recognized by him.

In his mind, it was worth calling and convincing the founder of Shirakawa Electric in person, so this job must be really important.

Isn't the vision of a well-known entrepreneur convincing enough?

So Satoshi Iwata finally got the support of his family, and now he is the head of the computer game department at the HAL Research Institute.

Hearing Shirakawa Kaede's inquiry at this moment, he immediately sat upright.

To be honest, there were so many seniors in the entire conference hall, which made him a little nervous, and of course excited.

"In addition to preparing to launch home consoles in the first half of the year as planned, we are also in contact with third-party game developers.

Several clubs have already expressed interest, and a preliminary agreement is expected to be reached later in the year. ”

The development of home game consoles was also placed under the computer game department by Kaede Shirakawa.

After all, when it was first advertised, there was another name for the home game console called "home computer".

As for why it's called a "home computer" even though it's a game console, it's one thing to be tall.

In addition, it is much more convenient to use this name to cheat money from parents.

"The home console business is our main project next year, so please ensure that it is successfully launched."

"Hay!"

"By the way, which third-party game developers have you contacted?"

"Hudson Software, Enix Corporation, and Kenzo Tsujimoto..."

"Kenzo Tsujimoto?"

The first two Shirakawa Kaede can still understand, after all, it sounds like the name of the company.

But no matter how the last one sounds, it all looks like a person's name, right?

"Hay..."Satoshi Iwata nodded a little awkwardly, and Furumura, who was sitting next to him, showed a slightly mocking smile.

"Kenzo Tsujimoto is now unemployed, but he has a lot of experience in the game industry.

I've founded a well-known game seller like Irem before, and I'm sure I'll be involved in the game industry in the future, so I thought it was the right time to reach out to him. ”

Unemployed? Shirakawa Kaede's face was a little strange.

As for Tanimura, he made no secret of the ridicule on his face, and he looked down on the partners that Satoshi Iwata had found.

Let's just say this Kenzo Tsujimoto, the warehouse is full of arcade machines that can't be sold, and all the losses have been sold to pay off the debt.

Because of the deterioration of the business situation, I had to take the blame and resign and leave the club I founded.

How can he make a comeback?

There is also Hudson Software, who originally wanted to open a coffee shop, but later found out that there was already a coffee shop in the place where he wanted to open a store.

So I changed the coffee shop to a radio shop, but because I had no business experience, I was losing money every month.

As a last resort, they began to sell computers and develop games, and their business policy was "quantity over quality." ”

At one point, the club released more than 30 games a month, but none of them succeeded.

Tanimura didn't understand what potential such a club had.

Enix looks like a serious club, but their founders are two recent college graduates with little experience in game development.

So for the few partners found by Satoshi Iwata, Tanimura was very disdainful.

He is very jealous of Shirakawa Kaede's preference for Satoshi Iwata, and it is clear that he is the president of the HAL Research Institute.

As a result, after the whole meeting, his sense of presence was not as strong as that of the other party.

Obviously I came first!

(End of chapter)