Chapter 916: You don’t want to buy a bank, do you?
"Oh, what do you mean?"
Hearing what the girl in uniform said, Zhou Anan raised her eyebrows and asked with some surprise.
"I'm telling you this in secret. Don't tell anyone. Our bank may have already been in talks with others about acquisitions. In order to raise the acquisition price, we are now increasing the commission for attracting deposits internally, which is already 20% higher than other city commercial banks. Although it's still early, there will inevitably be problems later."
Li Yu was very open-hearted to this wealthy man.
She is not stupid. As long as she maintains this relationship, she will enjoy good treatment no matter which commercial bank she switches to in the future.
An employee who can attract deposits and obtain loans from high-quality customers is an excellent employee no matter where he goes.
"Acquisition? I see."
After listening to Li Yu's explanation, Zhou Anan nodded in understanding.
The other party was quite honest in saying this, which was much better than ordinary friends. It was worthy for the young lady to treat her as a friend.
However, Zhou Anan knew what the other party was thinking, but she would not say it out loud, and everyone knew it tacitly.
"Yu'er, do you know who wants to acquire Haizhou Bank? Is my deposit safe?"
Zhu Huihui, who was standing by, heard this and also asked about her savings.
In order to help her old classmate achieve sales, she deposited all her belongings in Haizhou Bank.
If anything happened to Haizhou Bank, all her belongings would be gone.
"Don't worry, your savings will be fine. The government guarantees personal savings below 500,000 yuan, and the bank will compensate you if it goes bankrupt. I don't know who will buy it, but I heard that the top management is talking to several institutions. I might lose my job someday."
Without telling his high school classmate the amount of his savings, Li Yu smiled and comforted the other party, then answered another question.
Thanks to the deposit help from Mr. Zhou, her position rose rapidly and she was considered a middle or senior level person in the Lucheng branch. Otherwise, she would not have known such a secret matter.
However, as a branch leader, she could not find out who made the acquisition.
"That's good."
Hearing that her savings were safe, Zhu Huihui felt relieved, but she gave her 'boyfriend' some advice: "An An, why don't you transfer the money out after a while, it will be safer."
"OK."
In this regard, Zhou Anan also adheres to the principle of caution.
Although he knew in his previous life that Haizhou Bank did not go bankrupt, and even opened a branch in the small county town of Lizhou's hometown more than ten years later, it was considered an improvement.
However, who knows if there will be any unexpected changes in this matter? After all, it is tens of millions of cash.
“Ding ding ding”
At this time, the cell phone rang. Zhou Anan looked at the screen and saw that it was a call from Feng Erdai, so she picked up the phone.
"Da'an, Lao Hu and his team are tracking down the person who secretly uploaded the original video, but the plan has failed. The other party is too cautious and is hiding in the back, so we can't find him."
As soon as the call was connected, Feng He told the elder some bad news, and his tone sounded a little embarrassed.
He had made a promise to the other party at the beginning, but the result was not satisfactory.
"Okay, I know about this. Thank Lao Hu and the others for me. I'll have a couple of drinks with them when we get together in a couple of days."
Zhou Anan was not surprised at all after hearing the "bad news" from the other party.
It is normal that such things cannot be traced, and it would be surprising if they can be traced.
Anyway, he didn't need any evidence. He had already suspected someone and was waiting for a chance to get back at the person later.
What's more, Lao Hu and his friends have helped him a lot by ensuring that there are no links to the original film on the Internet.
Due to the hot click rate on Tomorrow Video, both TV series have been acquired by Nanhu TV and broadcast simultaneously with the Internet. The price is not much different from what Blue Whale Entertainment originally expected.
According to Zhou Anan's shares in Blue Whale Entertainment, this one share alone helped him recover at least 30 million in losses.
For this reason, Zhou Anan also attached great importance to the relationship with the Datang Club, and asked Feng He to help him arrange a gathering on the afternoon of the 3rd to build relationships with the members of the club.
Unlike the Haizhou University alumni group where he had been lurking the entire time, which was basically composed of young and middle-aged seniors discussing academic issues, he looked confused and did not dare to surface at all for fear of exposing his shallow knowledge.
"It's just a small matter. Oh, there's one more thing. Didn't we talk about acquiring a bank before? Now we have several banks to consider as candidates."
Zhou Anan, who was originally careless, couldn't help but narrow her eyes when she heard the name of Haizhou Bank on the list of candidates.
This is really fate. We were talking about Haizhou Bank before, and it was brought up again in the blink of an eye.
"Just watch this first, I have no opinion."
After Feng Erdai finished speaking, Zhou Anan did not express any opinion.
When it comes to such a big thing as acquiring a bank, he is a complete layman and there is no need for him to make random suggestions in order to make his presence felt.
Even if Haizhou Bank had developed well in his previous life, who knows what changes will happen after they acquired it.
The flapping of a butterfly's wings could cause a hurricane in the Atlantic Ocean, let alone an area that he was completely unfamiliar with.
"Okay, I'll communicate with you when I have more specific information."
Feng He really appreciated the great elder's reassuring attitude.
It’s comfortable to cooperate with such friends.
After hanging up the phone, Zhou Anan refilled the young lady's half cup of juice. After thinking for a while, she asked the girl in bank uniform on the other side: "Li Yu, do you know the non-performing loan rate and income of your bank?"
Although the standards for acquiring a bank are not very clear, the non-performing loan ratio and profit are important criteria for judging whether a bank is successful.
It doesn’t matter if the returns are low; a low non-performing loan ratio means that the bank is operating well.
"Well, let me think about it. Last year, our bank's announced profit was over 3 million. The non-performing loan ratio is not high, only 0.45 percentage points. This is because the senior management with formal positions are more conservative and are more strict about loans. Therefore, our bank's profit is not high, and the higher-ups are thinking about selling equity to improve the bank's development."
After hearing the other party's question, although Li Yu felt a little strange, he answered honestly.
"What is the NPL ratio of general city commercial banks?"
Zhou Anan was not very sensitive to the number of 0.45 percentage points and didn't know whether it was good or bad.
But that 3 million profit is simply a shame for a bank.
Previously, he had a general understanding of the income of some large domestic joint-stock commercial banks. Last year, the top 20 commercial banks had incomes of more than 2 billion yuan, and the top five exceeded 10 billion yuan.
Among them, the top three, China Merchants Bank, CITIC Bank and Industrial Bank, have 20 billion, 14 billion and 10.5 billion respectively.
In comparison, Haizhou Bank's profit of 3 million is not just low, it is simply outrageously low.
If I don't sell it, will it just get moldy in my hands?
"If it is a city commercial bank that is mainly privately owned, the non-performing loan ratio should be below 1 percentage point; for city commercial banks like ours that are controlled by state-owned enterprises, the non-performing loan ratio is often above 2 percentage points."
Feeling that the other party's questions were becoming more and more strange, Li Yu did not think too much about it and helped the other party to answer them in detail.
"An An, you ask so many questions, you don't want to buy a bank, do you?"
Hearing her boyfriend's strange question, Zhu Huihui smiled and asked the question in her friend's mind.
Thanks to book friends Zhou Xiaohuo and Xiangshui Chuyun for the rewards!
(End of this chapter)
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