章節 435: Chapter 435: 520 Million
Two days passed in the blink of an eye.
If the previous two days had seen Jiuding Bank overwhelmed by the fervor of its opening, it had now adapted and was officially on track.
Xia Yu arrived once again at Jiuding Tower to check on the situation and coincidentally saw Liu Tianci setting up. Surprisingly, Liu was not at the Jiuding Bank building but at Jiuding Tower.
"Tianci, you're here."
Xia Yu called out, and Liu Tianci turned to look at the door, immediately greeting with a smile: "Boss, you're here too."
"Mm!"
"The progress is quite fast!"
Xia Yu walked in, looked around, and noticed that the office space was nearly set up, and he said with satisfaction.
"After all, it's just one floor. Since you've already purchased the office supplies, the setup went quickly."
Liu Tianci replied with a smile.
"By the way, how is the bank performing?"
Xia Yu glanced around and then took a seat at a desk, asking with concern.
Upon hearing Xia Yu's question, Liu Tianci's face brightened, clearly pleased with the recent situation.
"Boss, aside from matters related to you, our bank's total deposits have now reached 520 million HKD, with liquid funds at over 340 million."
Liu Tianci reported joyfully.
Xia Yu raised his eyebrows, a bit surprised, and then smiled: "Not bad. I remember the bank's total deposits were just over 200 million before. In just a few days, it has increased by one and a half times or more?"
Liu Tianci explained: "Originally, our bank's deposits were around 200 million, with loans of 190 million, and liquid funds were just 10 million. However, since you instructed me to collect debts and remove high-risk loans, I recovered around 50 million and did not issue new loans. So, before the bank opened, we had 60 million in liquid funds."
"The additional 320 million in deposits is thanks to your connections, Boss. Those who attended the opening ceremony basically opened accounts and directed some of their company's funds to our bank."
"Some deposits were in the hundreds of thousands, some in the millions, and the largest was the Shun Tak Group's Mr. Ho Hung-shen, who deposited 30 million HKD directly."
When Liu Tianci mentioned Mr. Ho Hung-shen, Xia Yu couldn't help but furrow his brows, but then relaxed.
These big shots opening accounts at Jiuding Bank were essentially showing favor to Xia Yu, expressing their closeness to him.
For these big shots, which bank wasn't eager for them to open accounts and do business?
So they had no real need to open new accounts.
However, Jiuding Bank was Xia Yu's bank, and since it was newly established and in its weakest phase, it was the best time for them to maximize their favor. These shrewd individuals wouldn't miss such an opportunity.
Deposits were just a small part; the major gain was opening corporate accounts.
After all, these big shots have many companies, and even if only one or two companies open accounts, the company transactions at Jiuding Bank over a year would be significant, providing Xia Yu with plenty of operational opportunities.
It was practically like giving Xia Yu money, but it was money they had to give; otherwise, there was no other option but to decide which cooperating bank to give it to.
As for Mr. Ho Hung-shen…
"Forget it. Even if it's served on a plate, would I refuse to eat?"
Xia Yu thought to himself.
"By the way, how about the ordinary customers?"
Xia Yu asked with concern.
Compared to these big shots, it was the ordinary customers who reflected the true state of Jiuding Bank. After all, while the big shots' initial wave of accounts was important, Jiuding Bank needed to establish itself with the general public for long-term success.
Fortunately, Xia Yu was not disappointed. Liu Tianci continued: "In these days, our ordinary customers' deposits have increased by about 34 million, according to the latest data. Each branch is still packed with people lining up. As long as Jiuding Bank's Fund No. 1 and Fund No. 2 are not full, this phenomenon should continue."
"34 million? Not bad!"
Hearing this figure, Xia Yu smiled.
"Wait, if that's the case, liquid funds should be 380 million, right? You mentioned 340 million, so does this mean 40 million was used to buy funds?"
Suddenly, Xia Yu pondered and asked with curiosity.
"Yes, the 34 million from ordinary customers was mostly invested in funds. Some of our original depositors also bought funds, so the money has all been transferred to the dedicated accounts for these two funds and cannot be used by the bank."
Liu Tianci explained.
Xia Yu nodded slightly and said nonchalantly: "That's fine. Funds will eventually reach their cap, and when that happens, any new deposits from customers will be available for the bank to use."
"Yes! It's a time to attract customers now. By leveraging the securities company's reputation to draw in customers, we may not get the money immediately, but the bank gains for the future."
Liu Tianci agreed, showing a positive attitude and not feeling dejected.
As he said, those who invested in funds were actually attracted by Jiuding Securities. Without the cooperation with Jiuding Securities, they might not have opened accounts at Jiuding Bank.
Although their money is currently invested in funds, once the funds reach their cap, the future earnings will be deposited into Jiuding Bank accounts, and Jiuding Bank will then be able to use that money to generate more.
According to Liu Tianci's estimation and the information gathered from Wang Qi, at this rate, the two funds will stop accepting new investments in at most half a month. He was not worried.
To gain an advantage in the next fundraising round, customers would still come to Jiuding Bank to open accounts.
This kind of cooperation is a win-win!
Jiuding Securities gets a wave of funds, and Jiuding Bank gains customers and future prospects.
This is the advantage of a big conglomerate, where internal companies collaborate and share resources, maximizing benefits and enabling rapid development.
To expand this advantage further, Xia Yu needed to integrate his companies and strike together to ensure continuous success!
"Very good. Keep it up and strive to get Jiuding Bank into the top tier of banks in Hong Kong as soon as possible."
"And also, raise the threshold for deposits and loans, keeping low-quality companies out, and prioritize lending to my companies. Of course, if any other company is as good as mine, it can be treated equally."
Xia Yu encouraged and provided instructions.
"Rest assured, Boss! I understand!"
Liu Tianci said confidently.
Afterwards, Xia Yu continued to tour Jiuding Tower, checking the progress of various companies' setups.
When he reached the fifth floor and saw workers installing Jiuding Cultural Media Group's large sign on the window, Xia Yu had a thought and decided to check on the TV station.
After all, among the subsidiaries of Jiuding Cultural Media Group, the other companies were ready, and only the TV station was pending.
Once the TV station was up and running, it would mark the debut of Jiuding Cultural Media Group!
Hmm, vote for me if you can!
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