Chapter 108 – Branch Banking

At noon, Masayoshi Kishimoto led a group of people from his own company to deliver the 600 million in cash to the Sumitomo Bank, which was the closest bank to Hard Gold Capital Corporation.

Ueno Sumitomo Bank’s branch chief once appeared to be a big customer, even lunch is not eaten, directly throw down chopsticks with a smile on the other side of the invitation to the VIP room caring, and is a good tea, but also asked to eat without.

Kishimoto justice honestly said: “did not eat.”

The branch president directly picked up the phone, made a call to the best nearby high-class Japanese restaurant, and ordered a high-class Japanese cuisine.

“Before this, your company has not had any business relationship dealings with our Sumitomo Bank, right?” The branch president was both jubilant in the face of such a large amount of cash and in the back of his mind, he needed to figure out where this one money had to come from Dao.

Masayoshi Kishimoto pulled out the receipt that the Mitsui Bank had sent the money to his company, and then the receipt that he himself had received was placed on the desktop.

The branch chief picked up the bill of lading a glance, the heart immediately understood. The money was exceptionally clean, that is, perfectly legal, not black money, stolen money or anything.

“Since you already have business dealings with Mitsui Bank on top of that, how did you come to think of developing a business relationship with us, Sumitomo Bank?” The branch president asked in a targeted manner.

“I just wanted to see which of the two of you was going to offer better service? Without comparison, there’s no choice?” Masayoshi Kishimoto leaned his back on top of his chair and crossed his legs.

He knew that even if Mitsui Bank and Sumitomo Bank would undergo a merger in the future, it wouldn’t prevent him from making any choices at this time.

Nowadays, the two banks were competitors, which meant that they were peers. For the bank side, the absorption of reserves is the pressure on every branch.

This one pressure will again be branch chief passed down to each of their own outlets above the head of the staff. They are all on a mission.

The bank staff on the front line of the network, how many credit cards issued and how many deposits back, are with the bank’s internal regulations.

If they accomplish it, they will get commission and bonuses. On the other hand, if you can’t fulfill the minimum task, you will have to deduct your salary, and if your performance is too poor, you will be dismissed directly.

The bank staff of the credit course, that pressure above the pressure of credit cards and how many deposits back, but there is the pressure to collect and release the loan.

Once there are dead accounts, their heads are big, after all, will be above a related accountability. If all the processes are in line with the internal rules and regulations of the bank, as long as the loss is not too big, usually nothing.

After all, lending is also a business. As long as the business, there is no guarantee that there will not be a loss of money, do not lose money when. If it is found that there is something wrong in it, it will make it unable to eat and go around.

This does not include all sorts of unseemly fly-tipping. When Kobayashi Kiyoshi was still at the Bank of Mitsubishi, it was not because his bosses were falsely accused, looking for his back, and was robbed of the credit, resulting in a one-year jail sentence for beating someone.

The pressure on the branch manager comes from the performance of the branch in charge. If once the year did not meet the standard, will also suffer from financial penalties at the same time, will also affect the future of the individual.

Either be transferred out of the original job, sent to unimportant departments or remote outlets, or demoted and punished.

If the head office has to abolish a branch, it is common to carry out a final elimination system for unsatisfactory performance. Formal social workers will be transferred back and wait for the personnel department’s re-streaming arrangement, while unofficial staff will often suffer the fate of dismissal.

It doesn’t matter if you don’t show up for work as long as a bank branch staff member is able to capture a big client, you will still be paid your salary and the bonus you deserve.

Not only that, but it is not non-negotiable for a big client to offer to put anyone or anyone else to work inside the bank. People like this are all connected in a certain area with background, especially in the local small and medium-sized banks are the most obvious.

Of course, being defined as a big customer by the bank side wasn’t that easy either. Masayoshi Kishimoto was most aware that banks were specialized in doing things like adding flowers to flowers and collecting umbrellas in the rain. From a business perspective, it was also beyond reproach.

“Don’t worry about this, our Sumitomo Bank is likewise an old-fashioned bank. For big customers like you, we will definitely do one-on-one attentive service.”

The branch manager thought about the fact that the other party was able to mobilize 600 million yen of cash from the Mitsui Bank in one go, which meant that the other party also had a much larger amount of cash stored inside the Mitsui Bank. If he added the cash flow of a year’s worth of transactions to and from the bank, the amount would be bigger and bigger.

If one could transfer and deposit all of the money that this strange man in front of him had in the Mitsui Bank to the Sumitomo Bank, it would greatly benefit one’s own performance and pave the way for future promotions and pay raises.

“If there is a need, I hope that your Sumitomo Bank will be able to provide me with more credit lines and guarantees.” Masayoshi Kishimoto made a test run.

He didn’t just want the promissory note as simple as that, but also more additional service lanes that the bank side could provide to himself if necessary.

The branch chief, with his keen sense of professionalism, smelled that there was a deeper meaning, but said in a very official and polite manner, “We will depend on the specific circumstances, and will do our best to serve you.”

“For example, I have real estate investment in Seoul, Korea, can also handle the relevant mortgage and loan, right?” Justice Kishimoto gave an example and said.

“There is no problem, as long as the procedures are complete and legal. We, Sumitomo Bank, have also set up a branch in Seoul, Korea, and are equally capable of doing everything for you.”

The branch president strongly realized that the other party was not making small talk with himself, but with a kind of test. By the looks of it, this one young man in front of him had a big business, and the funds he needed to mobilize would be equally big.

“Then I’ll just deposit the money with you first and see!” Masayoshi Kishimoto did not pin his hopes on the other party opening up to him the first time around.

The reason why he said that was so that the other party’s head would have the existence of such an idea, and also to facilitate his own later development of the three districts of Gangnam in Seoul, South Korea to start to make a predetermination.

Time and money are not the most important thing, but the most important thing is to find people, is to preside over this one aspect of the big picture of the person in charge.

He himself was going to let Inoue Kazuhiko find this one person, Yamaguchi Katsuhei, for him before he would have the opportunity to let himself personally try to convince the other party to join Hard Gold Capital Corporation and become his second partner.

“Good. I’m afraid the business processing time will take a bit longer, so you’ll need to wait.” The branch chief naturally ordered the people to re-count the six hundred million dollars in cash that the other party had sent over again. Even if it was one less sheet, it wouldn’t do.