"Hahaha, Goodman! Long time no see!"

"Long time no see, my old friend! Please let me introduce you, this is little Blake, Carter! Carter, this is Mr. Buckley, the manager of Fitzgerald City Garden Bank. He is our old friend.

Senior..."

After Carter and Goodman arrived downstairs at the Best Western Hotel in Macon, conversations like this were played over and over again like photos on a jammed camera.

With his hair combed like an adult and wearing a handsome suit, Carter had a sincere fake smile on his face. He shook hands with these colleagues one by one and said hello. Occasionally, when he met some guys who were not sure whether they were really enthusiastic or fake,

I will also go out of my way to give you a hug that is just a taste.

However, there are still very few people in this category. Maybe it’s because of the bankers’ reserve? Or maybe it’s because the sluggish economic environment has made people lose their previous enthusiasm. If you can still laugh at this time, Carter feels that this group of people are cultivators.

It's done.

Of course, in this process, Carter naturally had to meet his "creditors". As the saying goes, look at their appearance and look at their complexion. Carter found that his creditors generally looked not good. Among them, especially Porter New

Old Porter from Special Bank had the strangest expression.

When shaking hands with Carter, he hesitated several times...

"Ahem! Gentlemen, it's a pity that there are no beautiful flowers to decorate our venue today!"

As the crowd entered the hotel conference room and took their seats, a man in formal attire walked up to the stage and kicked off the seminar, or auction, on the bankruptcy and reorganization plan of Pilsen City Forest Bank in a more relaxed tone.

It's interesting to say that it was obviously a meeting about Forest Bank's handling, but the boss of Forest Bank is now absent from this meeting. And everyone is in a very tacit understanding, and no one has ever mentioned him...

What I heard was that the host had no sense of humor, or was making light-hearted jokes that were completely inappropriate. What I could see was a group of so-called bank elites in suits and ties who looked like human beings.

Carter suddenly felt a little ironic. Reality! Reality...

Carter believed that last year and before this, when these well-dressed people saw the boss of Forest Bank, they were as enthusiastic as they were when they saw him today.

"The purpose of inviting everyone here this time should be clear to everyone, so I won't talk nonsense! First, let me introduce myself. Maybe some of you here don't know me."

The host who received no response continued to smile without changing his expression:

"My name is John, John Patterson. I am from the Federal Deposit Insurance Corporation's bankruptcy management division. I am also the leader of the bankruptcy reorganization task force of Forest Bank in Pilsen. I have been authorized by the FDI to handle post-bankruptcy issues related to Forest Bank.

..."

“Get straight to the point!”

"Pilsen Forest Savings Bank was founded in 1923! It has a very long history, even earlier than the legislation of our Banking Law! In its 57 years of operation, Forest Bank has accumulated a lot of

A high-quality customer. We are surprised and regretful about its bankruptcy. After our careful review, we are convinced that Forest Bank is still a company with a very high credit rating..."

As Patterson explained, Carter's expression became weirder the more he listened, while the others had calm expressions. They seemed to be listening attentively, but in fact they were all fishing...

Is this a meeting of the elites? Shouldn’t they seriously discuss the issue of profit distribution, and then discuss how to carve up the Pearson market with a sinister look on their faces?! How can a spoils-sharing meeting for capital gluttons be held like a product launch or promotion meeting?

of?!

"Don't worry! The core content hasn't been reached yet, these words are just clichés, and it's all in vain!"

Noticing the strange look on Carter's face next to him, Goodman leaned forward very considerately and whispered a reminder in Carter's ear. He remembered that when he followed Old Black to attend such a meeting for the first time, his behavior was the same.

Carter is almost the same.

The scene in front of me is really too devastating! And, what’s even more exciting is yet to come...

“Let’s talk about Forest Bank’s current assets and liabilities!”

"Pa"!

Carter's knee was suddenly bumped secretly by Goodman. In fact, there was no need for Goodman to remind Carter. Carter also realized that the main event was coming, because at this time, those "gourmets" who were wandering around were gradually waking up. Except for

Except for those who were really not interested and had decided to come with him for a run and have a meal, the ears of those who had a little bit of mixed thoughts pricked up at this time.

"First of all! Forest Bank's current total assets: US$4,678,400! Total liabilities are US$4,635,130!"

As Patterson narrated, many people took out pens and paper and began to record these key information data.

"Among them, deposit liabilities: US$4,398,430; borrowing liabilities: US$230,000; settlement liabilities: US$6,700!"

After quickly recording these numbers, Carter quickly did a subtraction operation. Total assets minus total liabilities equals the bank's capital, which is 43,860...

The assets of this bank are really low. No wonder this bank will be forced into bankruptcy and liquidation...

Even though we still don’t know how many risky assets Forest Bank has, we can still feel how outrageous it is when comparing its capital of RMB 40,000 to its total assets of more than RMB 4 million.

"Next, let's take a look at Forest Bank's risky assets, that is, how much money has been lent out...a total of 2,741,250 US dollars! There are currently 1,607,180 US dollars in depositors in Forest Bank's accounts.

deposit."

"The number of checking accounts opened: 48,642! The number of current deposit accounts opened: 21,240; the number of time deposit accounts opened: 10,163!"

"Gentlemen, I have to say that having such a large number of accounts in Pilsen, a small city with a population of less than 60,000, shows that Forest Bank has a good reputation in the local area!"

"But behind the good reputation and fairly good revenue, risk control is also a part that our bank practitioners, especially those in savings banks, cannot ignore! I hope you can learn from Forest Bank's lessons and learn from them in the future."

Please pay attention to risk control in future business operations!”

While Patterson started talking nonsense again, Carter did another division. Taking Forest Bank's capital of $43,860, divided it by the risky assets of 2,741,250...

The result is: 1.6%...

A death not unjust!

After seeing the 1.6% calculated on the notebook in front of him, Carter sighed helplessly.

The risk control of banks these days is indeed not very good. But if you ignore the risk control factors, you can't go so far? If you are too lazy to do errands, then it is unreasonable for the FDI not to deal with you!

Representatives from various banks who had also calculated Forest Bank's asset risk ratio couldn't help but shake their heads after the calculation. With this hidden risk, even if the income statement posted by Patterson later showed good results,

There are still many people who silently put away their eager eyes. It seems that they are ready to quit and do not intend to get involved in this muddy water again...

Naturally, Patterson saw the reaction of everyone, and he knew that he could not delay it any longer, otherwise it would be difficult to sell Forest Bank. So he hurriedly announced the quotation:
Chapter completed!