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Published at 25th of December 2023 05:15:37 AM


Chapter 368: [The bank is in preparation! 】

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Chapter 368 [Bank is in preparation! 】

Wu Guangyao has rarely come to HSBC’s headquarters, but HSBC’s executive Sandus often visits Wu Guangyao’s office.

In Sundashi’s office, Wu Guangyao, with Erlang's legs upright, sips Chinese tea, leisurely and contentedly;

Sundus is also used to it. In addition to the working relationship, the relationship between the two can be regarded as good friends in private.

This time, Wu Guangyao entered the banking industry and was not afraid of any cracks with HSBC;

Because, at this time, HSBC has been **** to death by Global Group;

Don’t say Wu Guangyao opened a new bank, even if Wu Guangyao acquired a mid-sized bank, HSBC would also express support on the surface.

Furthermore, Wu Guangyao’s bank cannot get the right to issue banknotes from the Hong Kong government;

Because of Wu Guangyao’s Chinese identity, it is difficult for this bank to grow outside Hong Kong Island;

So HSBC must believe that Wu Guangyao’s bank has no threat, just like other Chinese banks.

The other side of being unwilling to offend Wu Guangyao is the huge profits that Global Group can bring to HSBC every year, which is much higher than that of HSBC;

According to the global shipping profit in the most recent year, the total is 330 million U.S. dollars, and the profit belonging to HSBC is about 70 million U.S. dollars, which does not include the profits brought by the terminal and aviation industry;

As far as Wu Guangyao knows, this profit is HSBC's annual profit level seven years later.

The annual profit of HSBC at this time is probably only 40-50 million U.S. dollars!

So, HSBC must not dare to offend Wu Guangyao, otherwise Wu Guangyao has a way to kick them out!

It is precisely because Wu Guangyao has become the most important ally of HSBC, so in the spring of last year, Wu Guangyao has become a director of HSBC and is also the first Chinese director of HSBC.

Of course, this director is more a symbol of reputation!

"You took the initiative to come to the door this time, do you have any important things to tell me?" Sandus said first.

Wu Guangyao put down his teacup, looked at Sundashi and said, "Well, I want to set up a bank, so I want to learn from you!"

Sundus was stunned, and soon reacted, and said: "I must know everything! When will it be established, do you need our help?"

It’s time for Wu Guangyao to be taken aback, and said, “About this kind of thing, what is your internal attitude at HSBC?”

Sundars smiled confidently: "Don't say that your bank has not been shadowed. Even if your bank has developed into a large Chinese bank, HSBC will not suppress it; for you, we will not easily offend it. In fact, we at HSBC have also discussed whether you will set up a bank. Obviously everyone has a foresight and knows that you will not be left in this industry."

Wu Guangyao nodded, as expected, as he thought!

"I dug someone from your HSBC Bank, Li Jia from the loan project department, and I didn't move the others!" Wu Guangyao said jokingly.

"Then I have to thank you here! Otherwise, because of your wealth, my big class would like to go with you! I remember Li Jia is your friend. It seems that you are always very good to friends!" Sundarsh ​​is obviously also a joke, but it's not all a joke. After all, if Wu Guangyao really wants to dig HSBC's people, it would be quite simple.

Wu Guangyao nodded, the two exchanged for a while before Wu Guangyao got up and left.

After Wu Guangyao left, Sundarshi murmured to himself: "Perhaps, he will really have a great achievement in the banking industry! But during my tenure, his bank will not develop too much. The extent to which HSBC is jealous. On the contrary, he is very important to my performance during my tenure, so I will not let HSBC and him have a rift."

At this time, HSBC has not yet obtained real money and silver from the Universal Group, and is still investing in it one after another;

Therefore, the opinions of HSBC are very unified, that is, on the surface, we must support Wu Guangyao to open a bank!

Hong Kong Island suddenly broke out that Wu Guangyao was applying for a bank license from the Hong Kong government, which caused a wave of waves in Hong Kong and Kowloon.

Hang Seng Bank

"I knew he had always had ambitions in the banking industry, but I didn't expect that he would endure to this day!" Li Guowei said.

"Guowei, why do you say that he is forbearing?" He Shanheng asked incomprehensibly.

He Tian also pricked his ears, Li Guowei is young and strong, with unique vision, and everyone is quite trusting.

"First, Wu Guangyao has always had the support of HSBC. He may not want to annoy HSBC in this regard; now the time is ripe and he can naturally open his own bank."

"Second, he insisted on buying a stake in Hang Seng at the beginning, and he may not have other ideas!"

He Shanheng waved his hand and said, "Regardless of whether he has ideas or not, I still trust him to be a glorious person. At least he will not make malicious acquisitions or make three indiscriminate acquisitions; otherwise, it will damage his reputation for operating on Hong Kong Island. "

He Tian also said: “To be honest, I guess he is optimistic about our Hang Seng Bank, or optimistic about the ability of these people to make a long-term investment. Even if you have an idea for Hang Seng Bank, it should be an upright acquisition!"

Li Guowei did not expect that the two veterans of Hang Seng would have such a high evaluation of Wu Guangyao, but it is normal to think about it!

Wu Guangyao is a well-known charity expert on Hong Kong Island, and the people of Hong Kong Island who benefited from him are unknown.

"Since the two of you said this, he may want to achieve a banking alliance by buying shares, so that everyone can make progress together!" Li Guowei said. In any case, Wu Guangyao's attitude at the beginning made Li Guowei I feel that Wu Guangyao must have invested in Hang Seng Bank with a purpose.

"It's possible! But nothing. There are dozens of Chinese banks on Hong Kong Island. Everyone has some business contacts, and it's normal to have an alliance." He Shanheng agreed.

The bank Wu Guangyao intends to establish is called ‘Everbright Bank’. Its headquarters is located in an old-fashioned commercial building on Stanley Street in Central.

This commercial building is the home of Cheung Kong Real Estate. It had been fully renovated half a year ago, and it was waiting for the bank’s preparations.

The   commercial building has been hung up with a big sign, and the four characters ‘Everbright Bank’ are very eye-catching.

Currently, the bank license is still being applied. This is not difficult. At this time, the Hong Kong Island bank license is still very easy to apply;

It was not until the 1980s that bank licenses were difficult to obtain.

Wu Guangyao was in the office of China Everbright Bank and received a banker from the United States. He was the Citibank's Andry introduced by Morse.

Andri is tall, slightly bald, and his face exudes this self-confident temperament.

And Wu Guangyao gave him a very high salary, with a salary of 100,000 U.S. dollars, two months of annual leave each year, and a year-end dividend.

"Andry, what I need is a bank that is regulated by the system and meets the conditions of Hong Kong Island, so you have to work hard in this area; the position I gave you is the chairman of China Everbright Bank, and there will be a Chinese banker to partner with you later. His position is the general manager of China Everbright Bank. You are responsible for all aspects of strategy formulation, and he is responsible for actual operations." Wu Guangyao said.

Andri nodded seriously, and said: "BOSS, is our bank a commercial bank or an investment bank, or a mixture of the two?"

In the United States, since the Great Depression in the 1930s, commercial banks and investment banks have been separated; for example, ***** split two businesses, Morgan Stanley, which is engaged in investment banking, and the business of commercial banking. of*****.

In Europe, investment banks and commercial banks have always mixed operations, so many so-called "universal banks" or merchant banks have been formed; such as Deutsche Bank, ABN AMRO Bank, Swiss Bank, Credit Suisse and so on.

Wu Guangyao thought for a while and said, "Everbright Bank is a commercial bank, but in the future it will develop Everbright Securities and Everbright Insurance, and it will become a three-in-one financial group company. You can rest assured that the stage will be as big as your heart! "

"BOSS, misunderstood me, in fact, what I am best at is managing commercial banks!" Andri said honestly.

Wu Guangyao nodded, what he needs is this kind of talent.

Andry quickly adapted to the environment on Hong Kong Island, and carried out research on the banking industry on Hong Kong Island while starting work.

The general manager of China Everbright Bank is a local banker on Hong Kong Island, Lei Hong, who is only 30 years old.

Lei Hong was originally from Dongya Bank. Wu Guangyao was a prying corner, but this is normal, and he has not been pryed.

It takes time to prepare the bank. In addition to Andri and Lei Hong, Wu Guangyao transferred several managers from its subsidiaries;

Although they are not members of the banking industry, banks also have general departments, such as administration and logistics departments.

(End of this chapter)




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