After Gold River Investment acquired Hang Lung Bank, the original president had resigned, and the current president, Wen Guoliang, was the original vice president.

Qi Heng worked in a bank before joining Jinhe Investment.

"Good afternoon, Mr. Cai."

"Please sit down." Cai Zhiliang pointed to the sofa

"Mr. Cai, after five months of expansion, Hang Lung Bank currently has 25 branches in Hong Kong, basically covering all major streets..."

Cai Zhiliang knows all this. When he injected HK$700 million last year, he asked to expand branches. Taking advantage of the downturn in the property market, the cost was greatly reduced.

After talking about the achievements in the past six months, Wen Guoliang changed the topic and said: "Although Hang Lung Bank has expanded in scale, due to its low reputation, most branches have been in existence for a short time. In addition, the public has just experienced the stock market crash, and they are more willing to believe in HSBC and Standard Chartered."

It has become a big bank, so that it has not been able to attract people's deposits. On the other hand, the bank has carried out credit business and has issued a total of 250 million loans in the past two months. This is already the limit. Without the injection of large amounts of funds, Hang Lung's

Development will be greatly restricted."

Cai Zhiliang finally understood that he was not here to report on his work, but to ask for money.

"Didn't I already hand over the banking business of Mingxiu Newspaper and Hanta Trading to Hang Lung Bank, which brings in a lot of money every month, so you didn't develop additional business for other companies?"

"The business that Mingxiu News reported to Hang Lung Bank was only the payment of wages and performance. However, the employees obviously did not trust Hang Lung Bank. They took it away as soon as the company announced it every month. However, in the second half of the year, as Hang Lung Bank gradually

Be stable and things will get better.

"Speaking of the business assigned by Cai Zhiliang, Wen Guoliang complained for a while, "The same goes for Handa Trading, so far the business volume is not very large. Hang Lung Bank originally had some old customers, but with the expansion started at the end of last year,

Instead, these people became hesitant.”

As for why it hesitated, it was naturally because it was worried that due to unrestricted expansion, Hang Lung Bank would once again face a rupture in its capital chain, resulting in a run on the bank's assets. This was all done before.

Cai Zhiliang knocked on the table, thought for a moment, and asked: "How much funds are needed this time?"

"800 million..." After Wen Guoliang finished speaking, he may have thought it was a bit too much, and said: "At least 600 million."

"Are you sure it's 800 million, not 80 million?"

Cai Zhiliang laughed angrily. In addition to the 400 million used to acquire the bank last year, he later invested another 700 million. He has not seen the money back yet, so he has to invest another 800 million.

"I remember that in September last year, banks were able to achieve profitability. Even after the stock market crash, it has been half a year and should have recovered. Why are there no profits?"

Wen Guoliang said: "Mr. Cai, if Hang Lung Bank was limited to a corner and was willing to be a small and unpopular bank, it would have been able to achieve profitability long ago. However, since Mr. Cai injected 700 million in capital last year for expansion, it must be

I want to make the bank bigger, like Hang Seng Bank, and become the largest Chinese bank."

What's the use of shouting slogans loudly? Cai Zhiliang refused directly. If Hang Lung can only survive by relying on Jinhe's investment, what else does Wen Guoliang, the president, do? What's more, this is a bank, and financing is better than elsewhere.

It's easier, and for basic retail business, you can blame others.

"In terms of funding, I have to think of a way on my own. Jinhe doesn't have any extra funds, so it's better to put more effort into the retail business."

"This is my responsibility, don't worry." Wen Guoliang said, "There is one more thing... Hang Lung Bank plans to enter the insurance business."

Cai Zhiliang asked: "Have you applied to take photos?"

When it comes to insurance business, you need a special license, so you can't just do it if you want to.

Wen Guoliang said: "It takes a long time to form a team. I suggest you directly acquire a company with an insurance license and introduce a mature team."

After all, it is still the same thing, but the insurance business is exactly what Cai Zhiliang expected. Now it seems that Wen Guoliang has a goal.

"Have you ever made a budget?"

Wen Guoliang was naturally prepared. He took out a document and handed it to Cai Zhiliang.

Cai Zhiliang took the document, flipped through it, and said, "I understand, let me know if there is any news."

Wen Guoliang did not stay long and left soon, but Cai Zhiliang had to think about where the funds of at least 500 million came from, which meant that the original plan would be disrupted.

Later, Cai Zhiliang received a call from Liang Botao, asking him to have tea tomorrow afternoon, which surprised Cai Zhiliang.

"I'm going to the mainland tomorrow, is there anything wrong?"

Liang Botao thought for a moment and asked, "How long will your business trip last?"

"It may take some time." Cai Zhiliang did not say the specific time, but smiled and said: "How about tonight, I will treat you to a big dinner."

"See you in the evening." Liang Botao agreed without objection.

In the evening, when Cai Zhiliang arrived at Snake King Fen, Liang Botao had already arrived.

"I heard that Li Chaoren has been busy acquiring the Land Group recently. Why is Mr. Liang still so free and inviting me to afternoon tea?" Cai Zhiliang joked as soon as they met.

Liang Botao said: "These are all rumors. Mr. Li holds shares in Land Group just for long-term investment."

"When I say this, do you believe it yourself?" Cai Zhiliang asked.

"Whether you believe it or not, I believe it." After Liang Botao finished speaking, he also laughed.

"Do you also have investments in the Mainland?"

Cai Zhiliang ate the snake soup and did not hide anything. He said: "There is a garment factory that has a batch of orders recently. Go and take a look."

Liang Botao asked: "How big of a garment factory can it still work for you?"

"It's not big. Since the opening up of the mainland, the economy has grown rapidly. It's worth taking a look." Cai Zhiliang turned around and said, "Let's talk about your business."

Cai Zhiliang didn't believe that Liang Botao came to him just to chat.

"There are only two markets in the world with a population of one billion, which are larger than North America and Europe combined. Once developed, it will be good news for Hong Kong." Liang Botao said, "I have resigned from Citibank."

After the stock market crash, Wanbao International, where Liang Botao served as vice president, ceased operations. It does not seem strange that he is leaving now.

Cai Zhiliang asked: "If you haven't found your next home yet, Hang Lung Bank is waiting for you. But you have worked in a big bank like Citigroup before, so don't dislike it."

"In the past six months, Hang Lung Bank has expanded rapidly and has almost caught up with Bank of East Asia. It is still a small temple." Liang Botao complimented and said, "I am planning to cooperate with my friends to set up a private bank."

"Now that the stock market is picking up, it's time for talents like you to show off your talents." Cai Zhiliang said, "Have you raised the equity capital? You should raise more to resist market risks. If there is still a lack of equity capital, I hope to be able to invest.

Your personal bank.”

Liang Botao said: "To be honest, I came here today just for the sake of equity. As you just said, it is difficult to survive with little equity."

Cai Zhiliang asked: "Who is currently investing in the shares?"

Liang Botao said: "I plan to raise 300 million Hong Kong dollars as equity, with my friends and I accounting for 35%. The remaining equity will be raised from outside sources. Companies currently interested include Cheung Kong Group, CITIC Hong Kong, Hopewell Holdings, and China Entertainment. I don't know.

How much is Mr. Cai willing to invest?”

When you hear the names of Cheung Kong Group, CITIC Hong Kong, Hopewell Holdings, and China Entertainment, you know that Liang Botao's newly established bank must have no shortage of equity capital. After all, any company can come up with 300 million in equity capital at any time. Liang Botao

The so-called move is just to expand allies. On the other hand, it is also to ensure the controlling rights of oneself and friends to prevent being acquired by these shareholders.

Cai Zhiliang now knew something in his mind and said: "In that case, I will round up the whole number, 15 million, accounting for 5% of the capital."

"Thank you for your trust." Liang Botao thanked him.

Cai Zhiliang said: "You're welcome. If I'm not in Hong Kong by then, you can go directly to Chu Tianxing and I will explain it to him."
Chapter completed!