Two hours ago, Donghua Bank Conference Room.

Lin Tianhua walked in with a dark face. He had just received a call from Li Yongjun, deputy mayor in charge of economy in the municipal government, and the other party asked to add one billion yuan to Tianma Group, and he was in a very bad mood. Although Deputy Mayor Li said that it was just a matchmaker, and the specific loan was not required to be handled according to your bank's requirements, the weight of this call was much heavier than what he said.

Tianma Group is a big taxpayer in Donghua. Now it has a credit of 800 million yuan in Donghua Bank. However, Lin Tianhua believes that their expansion is too rapid and their diversified operations are too fragmented. Especially recently, the newly launched tire project has been investigated by the North American market and is trapped in a quagmire, so Lin Tianhua is not willing to continue to increase credit. However, since the city leader called, Lin Tianhua did not say anything, but replied that he would consider it.

Today, the third quarter business analysis meeting and the fourth quarter business meeting were held. The president's office, finance department, operation department, front desk seven marketing departments, and the presidents of thirteen branches were all present at the meeting.

Liu Xiao, assistant general manager of the accounting department, was reporting on the operating conditions in the third quarter. When he saw President Lin coming in, his voice became cautious.

"In the third quarter, the balance of each deposit was 51.729 billion yuan, the balance of each loan was 33.57 billion yuan, and the operating income was 1.74 billion yuan, including interest income of 2.76 billion yuan, intermediate business income of 60 million yuan, and interest expenditure of 1.08 billion yuan. Business expenditure was 1.336 billion yuan, including tax and surcharge of 120 million yuan, business and management fees of 560 million yuan, and asset impairment loss of 656 million yuan. In summary, the net profit was 403 million yuan in the third quarter, and the budget target was 50.3%..."

Lin Tianhua knocked on the table and interrupted Liu Xiao's report.

Lin Tianhua stood up and walked in the conference room and said, "The situation is very serious, comrades! Our Donghua Bank will be listed next year. What is the profit target set by the board of directors? 800 million! We have only completed half of it, and there is still one quarter to achieve a net profit of 400 million yuan. Do you have confidence?"

Several replies in the conference room said yes. Lin Tianhua slapped the table and said, "I can't hear it, are you?" Everyone immediately raised their chests and shouted loudly, "I'm confident!" Lin Tianhua continued to ask loudly, "How to do it?"

Everyone lowered their heads. It is one thing to shout slogans, but if they really take action, it is another thing. According to the current operating conditions, no surprise, the net profit will be around 600 million by the end of the year. The difference of 200 million cannot be accomplished by shouting slogans.

Lin Tianhua shouted, "Don't you tell me? Then I'll say it!"

Next, Lin Tianhua's almost roaring voice filled every corner of the conference room. He stood up and every time he walked to a department or branch, he issued a set of deposits, loans, bad collections, and intermediate business indicators. The head of the department, who was named, quickly stood up and patted his chest to ensure the completion of the task. The pen of the office director Li Shaohua was quickly recording.

"The income of intermediate business should be increased by 50 million on the basis of the existing target, 40 million from the investment banking department, 10 million from other channels and settlement department. President Li came up with a specific plan for me after the meeting and took it to my office before getting off work. As long as the target is completed, you can just withdraw the bonus."

Li Youtian said, "Please rest assured President Lin."

Lin Tianhua said, "The capital market is volatile nowadays. I hope the investment banking department can seize opportunities and opportunities and fight a few beautiful battles. However, you must avoid the regulatory red line, and you have a clear idea of ​​what to do and what not to do."

The president of the investment banking department said, "Governor Lin, in recent times, the market has fluctuated greatly. SHIBOR's overnight and seven-day lending interest rates have repeatedly reached new highs. It can be seen that there are major problems in the liquidity of the banking industry. We believe that the market risks in the fourth quarter are relatively large, and the central bank may shrink its monetary policy. We recommend implementing a more conservative investment strategy."

Lin Tianhua shouted, "Risk? Our bank operates risks! Risk is opportunities. Our bank spends millions a year to hire you, not to let you tell me the risks! Conservative? If I lead a dog from the door, it will also make conservative investments!"

Lin Tianhua was a little hysterical. At his meeting, he never gave his subordinates face. The CEO of the Investment Banking Department consciously shut up.

Everyone burst into laughter.

Lin Tianhua said, "What's funny about it? What is our commercial banks pursuing, scale, profit, what employees pursue, that is money, money, money! As long as you create profits for the bank, we will never treat any meritorious minister unfairly. Donghua Bank does not need to be a scammer of employees who are waiting to die!"

"Our bank wants to open up the source and reduce expenses, and there is a gap of 15 million, saving me from operating expenses. The ratio of people-to-counter personnel (the ratio of counter personnel to counters) has been reduced to 1.3, and the entertainment expenses of each branch can save some money."

Financial Director Song Ting hurriedly recorded it.

A branch manager said, "The hospitality fee of the branch is already very tight. As the end of the year approaches, many yamen have to visit and visit. The superiors have to inspect and receive the reception and help the relationship between the county and the city handle the costs. If it is compressed, it may affect the enthusiasm of employees."

Lin Tianhua sneered, "I wonder, the monthly hospitality fee of 100,000 yuan is not enough for you to squander? A few days ago, I also saw an audit report. A branch has six official vehicles and twenty-four wheels. In a year, you have to change 80 tires. Have you eaten so many tires? There is also a branch that drinks 80 bottles of Lao Baigan at a time, and you have enough to take a shower! I'm very surprised that such a reimbursement order is raised. How have you reviewed the finances?"

The general manager of the Finance Department was so scared that he didn't dare to say anything.

Anyone with discerning eyes knows that this kind of reimbursement must be problematic. Donghua Bank's budget is classified management. Some branches do not have enough business development expenses, so they find ways to make up for the basic operating expenses and list the entertainment expenses and maintenance expenses, which is not just "eat" the tires. In addition, Donghua Bank stipulates that the reception wine should not exceed 200 yuan, but in actual hospitality, the Moutai and Wuliangye wine are standard. Many branches dismantle a bottle of Moutai into ten bottles of Laobaigan to reimburse the money when reporting accounts. These are very common accounting treatments for branches, but some branches do not consider rationality when operating, which leads to such jokes.

"You branch managers are really dramatic. President Liao and I went down to investigate, but I ate a bowl of noodles and stir-fry two vegetables. A few days ago, the head of the agency department of the headquarters went down. It was Maotai Wuliangye and the bathing center. Is our Donghua Bank team so unbearable?"

Everyone looked at Liang Youwei, general manager of the organization department. It was not a good thing to be named by Lin Tianhua, and everyone was a little gloating.

Liang Youwei raised his hand and said something wronged, "President Lin, we spent money on our own when we went to the bath center. It's not me alone when we drink Maotai. Everyone goes down..."

Li Youtian cursed, "Shut up!"

Fortunately, this is a business analysis meeting, and Lin Tianhua did not pursue it. Next, he aimed at the presidents of the 13 branches present. He shouted, "A deposit of 10 billion and a loan of 7 billion will be increased according to the targets of each branch at the beginning of the year. All the goals of the goal will be rewarded. The first one will be promoted to assistant president of the head office at the end of the year. The unsuccessful year-end performance will be temporarily suspended. The presidents of the two branches at the end of the year, you come to see me with your resignation report. Are there any problems?"

Gu Tiande was the first to stand up and said, "Please ensure that the task is completed!" The other branch presidents also expressed their opinions that they must vigorously cooperate with the goals of the board of directors and complete the tasks assigned by President Lin.

Lin Tianhua said so much in one breath before he sat back on his seat. "The team members, the discipline inspection room, and the manpower was left behind. The rest of the meeting was dispersed. Director Li later sent the meeting memorandum to various departments and supervision departments."

Everyone stood up and left the conference room, and before leaving, they all placed their seats. Lin Tianhua had strict requirements on such details. Once, at a meeting, a department leader left the venue and did not return to his seat. He was criticized by the entire bank and fined 3,000 yuan, which made him look dirty.

Lin Tianhua lit a cigarette and calmed down.

Donghua Bank has implemented a smoking ban. As long as it is caught, its performance will be deducted for the first time, its performance will be deducted for the second time, and its disqualification will be fired for the third time. However, this smoking ban is not effective for senior personnel. Among the leaders of several banks, Liu Jianguo and Liao Xingguo are all big smoke guns. Every time they preside over the meeting, the conference room is filled with smoke.

At the team meeting, Lin Tianhua's tone was relatively calm. After all, they were all senior executives of Donghua Bank. They were not ordinary people who could sit in this seat. He slowly said, "Next, let's discuss the handling of violations by Wang Chong, general manager of Xiaowei Business Department."

After the meeting, Gu Tiande did not leave, but stayed in the headquarters building and visited various departments. Every time he came to the headquarters for a meeting, he would take this opportunity to contact the big guys and some employees of the headquarters, and often brought some small letters to others. Gu Tiande believes that giving small favors and favors to others when he has no desires is the highest input-output ratio to win over people.

Although the emperor is far away in the branch, except for the weekly meeting, there is no need to look at Lin Tianhua's expression during the rest of the time, but the disadvantage is that the information is not grasped in time. Therefore, Gu Tiande often chats with these people, and sometimes the information revealed inadvertently will be of great help to himself.

Today, Gu Tiande was looking for Liang Youwei, the agency department. Both of them had worked in the Dayi County branch before and had a good relationship. Today, Lin Tianhua named Liang Youwei, which made him very embarrassed, so after the meeting, he plunged into his office.

When Liang Youwei saw Gu Tiande coming in, he handed a cigarette. Gu Tiande pointed to the upstairs and said that President Lin had a smoking ban. Liang Youwei was already angry and cursed when he heard this, "Go to his mother's smoking ban. He doesn't smoke the same thing? Only the state officials are allowed to set fires, and the people are not allowed to light the lamp..."

Gu Tiande said, "Governor Lin didn't mean it..."

Liang Youwei said angrily, "What's not intentional? I've given so many examples, but I just fucked my name. I'm a normal man, hundreds of miles away from home and can't go home a few times a year. What's wrong with me going to the bath center? Did I get the invoice reimbursement? I can't pay it myself? He's clearly retaliated!"

"What kind of revenge?"

Liang Youwei said, "Don't you know yet? Not long ago, an interim board of directors was held to evaluate the achievement of annual assessment indicators. Several directors believed that Lin Tianhua could not lead the entire bank to achieve its established business goals, and forced Lin Tianhua to issue a military order. If he could not complete the task, he would resign from the board of directors. Humph, don't look at how he was doing today, it is not certain whether he could do this position by the beginning of next year."

Gu Tiande suddenly realized.

Liang Youwei is the nephew of Director Liang Meng. Director Liang has a bad relationship with Lin Tianhua, but they are both members of the board of directors. They will not break up. However, when they are free, they will beat Liang Youwei and will disgust Liang Meng by the way. Lin Tianhua can do it.

Donghua Bank has a complex equity relationship. Among the top ten shareholders, the largest are the Municipal State-owned Assets Supervision and Administration Commission, the Finance Bureau, and China Merchants Group. The three companies account for more than 30% of the shares, while the remaining shareholders account for more than 5% of the shares are all well-known local companies, and the group also has listed companies. It is worth mentioning that Tianma Group also has 4.9% of the shares in Donghua Bank, but they do not have a seat on the board of directors.

At this time, Gu Tiande's text message rang. He looked down at the news. Seeing Wang Chong's transfer arrangement, he almost jumped up excitedly. If Liang Youwei hadn't been there, he would have danced. He couldn't help but sigh in his heart that the sky had eyes. What else in the world could make people feel more refreshing than treating his "enemy" as subordinates?

The only drawback is that Wang Chong was only an administrative demotion this time and did not have any disciplinary punishment, but this treatment could also be considered anger for him.

Now this guy fell into his hands, like a dough, pinching whatever he wanted, "Haha!" Gu Tiande laughed out loud.

Liang Youwei asked him what he laughed for no reason. Gu Tiande said happily, "Wang Chong was transferred to the East Branch of the City." Liang Youwei said, "I had known that I would be promoted if I had done a battle, and I would like to do it once. So congratulations on my promotion?"

"Hey..." Gu Tiande dragged his long voice and said, "To be precise, Wang Chong was transferred to Chengdong Branch as the director of the Second Credit Department, and his administration was demoted to one level." Liang Youwei said, "Congratulations to brother for his revenge. Wang Chong was so naughty, speaking in a hurry, and relying on his talent, he was arrogant. I knew something would happen to him, but I didn't expect the retribution to come so quickly."
Chapter completed!