A financial novice, plus a traditional American savings bank manager who is full of old rotten wood smell even though he is a bank manager... You really can't expect him to have such fancy experience in financial market operations...

It’s basically the same as half-white but not white, mixed with uncooked rice, right?

When two people like this discuss financial derivatives, they will naturally be unable to discuss anything. The concept of derivatives does not even exist in the minds of these two people.

Fortunately, if the financial market is temporarily put aside, the two of them can still discuss some substantive content!

"The first phase of the plan to become bigger and stronger and create greater glory is tentatively scheduled to last four years, right? It happened to be the four years I was in New Haven, as Black Bank's first development cyclical plan: to use science and technology

Douglas City in Philadelphia County and Pearson City in Atkinson County are the anchor points, and in conjunction with Plains in Sumter County, which is the prominence of the regional market, they form a south-central triangle in Georgia."

After returning to Douglas, Carter, who was in the peak of enthusiasm, did not even return home and followed Goodman straight to the bank. Returning to the familiar office, he took out the map and started his own "enclosure movement."

For traditional savings banks, the territory and the population on the territory are the most important!

The nature of its business determines that it cannot attract customers from other places as easily as commercial banks. The strong geographical attributes determine that if a savings bank wants to expand its business scale, it is destined to grab territory. Since it is a land grab, then so

Grab it, where to start is worth discussing...

"The strategic goal in the past four years is to capture as many savings banks as possible in this triangle area. For example, this savings bank in Americus, the seat of Sumter County, can become our next goal.

This small city with a population of less than 20,000, even if the expressway project in Plains can help relieve their pressure, its overall strength should be very limited. When our situation eases, we can go to them to talk about mergers and acquisitions.

.”

"Is this step too big? If it is connected into a triangle like this, it will pass through Ben Hill County, Owen County and other four or five counties! What do you think we should dig deep into our Coffee County first? Coffee

The largest city in the county is Douglas, and there are still some scattered rural savings institutions such as savings and credit unions, which can be easily annexed."

Unlike Carter, who has slightly radical ideas, Goodman prefers to conservatively eat up one piece of land after calming down, and then consider expansion ideas for the next piece of land.

only...

Douglas, a place as big as this, is actually the largest city in the county?!

"Why are you so surprised? There are 159 counties in our state, and don't look at how big Georgia is... There is no comparison between a poor county like ours and Fulton County, where Atlanta is located!"

"No, I'm just curious. Since Douglas is the largest city in Coffey County, where is our county seat? I don't think I've seen them before. The BR County Sheriff's Office or something..."

"The county seat is in Douglas, but they have no use for it. On the west side of the city, after you go out, keep walking, and there is a jail. That is the Coffey County Jail. The county sheriffs usually drink coffee there and work as jail guards! Usually the city

Here, isn’t there the city police station here!”

Carter:...

The Sheriff of such a small county is really a good place to paddle and fish...

"Not only is our Coffee County miserable, but Atkinson County next door to us is not much better. To be honest, they are even poorer than us! In addition to the fact that Pearson, the county seat, was better off than us because it could sell wood,

Both population data and economic data are far inferior to ours. Basically, outside of Pilsen, it is a county where birds do not poop. Our Coffey County is slightly better, at least it belongs to... There are still a few bubbles of bird poop

That kind of..."

This metaphor is so strange!

Looking at Goodman who turned on the map cannon and saw the crazy area, Carter was a little puzzled again:

"If this is the case, then it should not be difficult to annex the township savings banks in these two counties. Doesn't this conflict with my vertical expansion plan?"

"In terms of merger and acquisition costs, it's not a conflict. But I think it's not good to rush to Sumter County so far away... We can temporarily treat Plains as an enclave, and first make our current

Atkinson County and Coffey County, which have the highest influence and market trust, are completely eaten and digested. Then we will slowly develop in that direction. For example, after digesting these two counties, the next step is Owen County in our northwest direction.

..."

"Well, the pressure on capital turnover is relatively high now. Taking over the township savings banks in these two counties, completely turning these two counties into our storage areas, and integrating them into the Black Bank system, can be considered stable.

It's settled. After the merger, do you think the name needs to be changed? I always feel that Black Bank sounds a bit shameful..."

After listening to Goodman’s suggestions, the idea of ​​a board game became more and more intense!

According to the provisions of the Georgia Constitution, there are and can only be 159 counties in the state. There cannot be a 160th county. Obviously the state government seems to know that according to this division, the following positions are for fishing.

It will directly overflow. Therefore, at the legal level, the expansion of county-level administrative units is restricted.

Then comes the interesting part. The land was divided into 159 fixed areas by executive order. Due to the different development in different places, the economic strength of these 159 sites is also different. The richest is the state capital, which is also the center of the southeastern United States.

Fulton County, where Atlanta is located.

According to the classification of online games, this territory in Fulton County is undoubtedly a big boss level. The challenge difficulty is directly five-star. Before a certain level of combat power, players need to be cautious in challenging...

The next highest level is represented by Bibb County, where Macon, the second largest city in Georgia, is located, Muskogee County, where Columbus is the third largest city, and Chatham County, where Savannah, the largest port city, is located.

This kind of thing, the challenge difficulty is four stars;

The third tier is for counties like Dottier County, where Albany is located, that have special gimmicky things like garrison bases, which forcefully stimulate domestic demand, resulting in counties with good economies or superior geographical locations, but not as strong as Savannah.

It's there.

Continuing down, the fourth and fifth gears are Coffee County where Douglas is located, or Atkinson County where Pearson is located... It seems to be a county-level unit, but really speaking, even some

The city is not as good as...

Two, three, or three or four of these counties bundled together are not enough to fight one Atlanta...

The fourth gear is slightly better than the fifth gear. In Goodman's words, the fourth gear: there are a few birds pooping, and the fifth gear: the birds don't poop!

According to this grading standard, Carter is still a little happy. Speaking of which, after Douglas's two years of hard work, he should, barely, be considered a bit soaked in bird poop, right?

Forcibly moving Coffee County to the fourth level, as for Pearson, it's almost the same...

At least Atkinson County is much better than the average county!
Chapter completed!