After hesitating for a long time, Miyashita Kita finally nodded at Liang Jiaxun and signaled that he would answer the phone number.
Only then did Liang Jiaxun take away his hand hidden on the microphone and hand over the mobile phone.
Miyashita Kita took the phone, put it in his ear, pretended to be a lazy tone, and said: Am I Akamoto, Fujita Kwan?
Ah, Akamoto, it's me, I'm Fujita Bin. On the phone, Fujita Bin said anxiously, but Miyashita Kita felt that the tone of his speech seemed to be a bit slow, as if he had drunk wine.
Is there anything wrong, Fujita-kun? Miyashita yawned in a pretense and asked
Akamoto, I still think Yamato has not reached the end of the road. Fujita Bin said that although Yamato has suffered serious losses in recent years and has recently suffered a trust shock, only from the issue of business and bad debts, Yamato's situation is not very serious, especially among urban banks, Yamato is a bank with better financial conditions.
Miyashita Kitani was silent. He knew that Fujita Bin still refused to give up. However, calmed down and recalled his previous life. At that time, Yamato Bank did not seem to go bankrupt directly, but endured for about two thousand years. In the end, it merged with several city banks similar to those of the same as those of them.
In terms of nature, Yamato Bank is not the same as Nagashi Bank. The former is a local city bank. To be precise, the biggest funder behind Yamato Bank is the Osaka local government. The Osaka local government even handed over the Osaka Prefecture vault to this bank for management.
In addition, in the past decade, Yamato Bank's main business, or its focus in expanding its business, has not been placed on the real estate investment field. Its main business direction is trusts, including monetary trusts, land trusts and pension trusts. In addition, it also mainly engages in securities and foreign exchange
It is also because of this that Yamato Bank was not very shocked in the bursting of the real estate bubble in Japan. Its losses are mainly concentrated in pension trusts and monetary trusts, especially in monetary trusts. Due to the ups and downs of the international currency market exchange rates in recent years, it has suffered a significant blow.
In addition, the sanctions imposed by the US government on it have largely hindered the expansion of Yamato Bank's overseas business, and at the same time, it has also caused great damage to its credibility.
Once a city bank like Yamato Bank encounters this level of risk, it is often difficult to withstand it. Why do people at the Hony Club think that Bin Fujita's idea of trying to save Yamato is a delusion?
The reason is very simple. It is because Yamato is a city bank. At present, when the financial industry in Japan is generally in a downturn and everyone needs the support from the central bank, it is impossible for such a local city bank to receive relief from the Tripitaka Province.
It is more realistic. Once a bank like Changxin goes bankrupt, it will easily cause panic among the people and cause the entire Japanese financial system to collapse. Because Changxin involves depositors too huge, the impact of its bankruptcy is very far-reaching.
But Yamato Bank is different. Not to mention that the central bank now opposes the attitude of relieving commercial banks. Even if they want relief, Yamato Bank can only rank backwards.
In the view of Kita Kita, the only way out for Yamato Bank now is to seek merger, merge with another city bank with complementary business, integrate the high-quality resources of the two banks by creating a new bank
However, Bin Fujita has made a clear statement before. It is not that he does not accept bank mergers, but he protects the rights and interests of shareholders to the greatest extent. He also requires an agreement on the dismissal of employees. The new bank should retain more than 80% of the existing employees of Yamato Bank.
To be honest, such requirements cannot be met. If he does not make concessions, no bank will choose to cooperate with him. The corresponding merger procedure cannot be approved by the Financial Bureau of the Tripitaka Province.
Now that this guy called again and was still talking about such things, Kita Kita Miyashita felt very impatient
Fujita Kun, listening to the other party finishing his words silently, Miyashita Kita breathed a sigh of relief and said, I think what you need to do now is to put down everything at hand and calm down for a few days, I...
No, no, Akamoto, please listen to me finish my words. Fujita Bin interrupted him and rushed to say, Now, I have a clue. The most important thing is that the governor of Yokoyama is willing to make some efforts in this matter. He has contacted the management of Nara Bank, Osaka Bank, and received a very positive response from them.
Yokoyama Governor naturally refers to the current governor of Osaka Prefecture Nok Yokoyama. This guy is really an ignorant and fearless, and dares to interfere in anything.
As for Nara Bank and Osaka Bank, they are also two city banks of the same nature. As for their operating conditions, hey, compared with Yamato Bank, it is nothing more than the big brother who doesn't laugh at the second brother.
We have already discussed and decided to hold a meeting tomorrow night. Fujita Bin continued, the current negotiation intention is to complete the merger of the three banks in two steps...
Then, Fujita Bin began to talk endlessly about how they plan to merge.
According to Fujita Bin's plan, the merger of the three banks will end within two years. The first step is to jointly establish a financial holding company with the same proportion, and integrate all three banks into the name of this financial holding company.
To put it bluntly, it means converting all three banks into subsidiaries of this financial holding company, and they are completely subsidiaries.
In this way, this brand new financial holding company will become a giant financial company with a total assets of nearly 40 trillion yen. Its risk resistance will be greatly improved. At the same time, it will naturally maximize the confidence of investors.
In fact, the integration of the three banks will not have any direct effect on their own financial situation. After all, after the integration is completed, although their total assets appear to be huge, the scale of bad debts and bad debts will also become even larger.
But then again, after completing the integration, they will naturally launch a series of business splits, some overlapping business projects will be cancelled, and a large number of redundant employees will be dismissed. This is actually a process of eliminating inferior resources, which is beneficial to the bank's operations, and at least it can reduce unnecessary expenses.
According to Bin Fujita, after the integration is completed, the three banks will reduce the burden of no less than 6,000 people only in laying off employees, and the expenses saved in this will be a huge amount of money.
The most important thing is that the current three banks have not had good international reputations. Take the Moody's ratings in the United States for example. The credit ratings of the three banks are all Ba-level. This level is divided, which means that these three banks have unstable characteristics and their operating conditions are not very good. Once the economic situation changes, they will not be able to guarantee the repayment of principal and interest.
Such a rating is very fatal to a financial institution. It is like a dam blocking a large number of cautious investors. Only short-term speculators will come to visit. This type of short-term investment is not a high-quality investment for financial institutions.
The integration that Fujita Bin and his team conceived was to deal with lower ratings. They did not think of getting an A, but if they could climb to the Baa level, it would be very beneficial to the development of the bank.
In addition, the merger of the three banks will have a bigger plate, and they will have a greater say when negotiating with the Financial Regeneration Committee.
As for the purpose of Fujita Bin contacting Miyashita Kita, there are two: First, he hopes to be recognized by the Hony Association, so as to encourage his colleagues in the financial industry to help them in this matter, mainly to put some pressure on the Banking Bureau of the Tripitaka Province to prompt the Banking Bureau to give them permission to merge.
Another point is that Bin Fujita hopes that Miyagi Kita can clear the financial holding company that helped the three banks get enough to get rid of the adverse situation of low credit ratings through the evaluation of those American credit evaluation companies.
Of course, these requests were only unilaterally proposed by Bin Fujita. After all, whether the idea of a merger of the three banks can be achieved depends on the result of their negotiations. In addition, it depends on whether they can obtain permission from the Financial Bureau of the Tripitaka Province
The merger between banks is not a simple matter. It is not something that a few of their executives can really be accomplished by discussing it together. Even if the financial bureau issues are not considered, what about the bank’s shareholders?
What about investors?
Their position is very important. Miyashita Kita doesn't know if Fujita Bin can do the job of those people
To be honest, Kita Kitaki really doesn't want to interfere too much in this kind of thing, but considering the other party's identity, especially the merger, no one can say whether it can be concluded, he finally agreed and expressed his willingness to give some help within his ability in this matter.
Putting down the phone, Miyashita Kita frowned, he was thinking about the idea proposed by Bin Fujita.
To be honest, although I am not optimistic about Fujita Bin's idea, this not optimistic just means not optimistic about the other party's execution, rather than not optimistic about the plan itself.
In the view of Kita Kita, this way of seeking interbank mergers to enhance risk resistance and market competitiveness is still very feasible.
Judging from the memories of previous lives, many Japanese financial institutions have also chosen this way to get rid of the predicament.
Only then did Liang Jiaxun take away his hand hidden on the microphone and hand over the mobile phone.
Miyashita Kita took the phone, put it in his ear, pretended to be a lazy tone, and said: Am I Akamoto, Fujita Kwan?
Ah, Akamoto, it's me, I'm Fujita Bin. On the phone, Fujita Bin said anxiously, but Miyashita Kita felt that the tone of his speech seemed to be a bit slow, as if he had drunk wine.
Is there anything wrong, Fujita-kun? Miyashita yawned in a pretense and asked
Akamoto, I still think Yamato has not reached the end of the road. Fujita Bin said that although Yamato has suffered serious losses in recent years and has recently suffered a trust shock, only from the issue of business and bad debts, Yamato's situation is not very serious, especially among urban banks, Yamato is a bank with better financial conditions.
Miyashita Kitani was silent. He knew that Fujita Bin still refused to give up. However, calmed down and recalled his previous life. At that time, Yamato Bank did not seem to go bankrupt directly, but endured for about two thousand years. In the end, it merged with several city banks similar to those of the same as those of them.
In terms of nature, Yamato Bank is not the same as Nagashi Bank. The former is a local city bank. To be precise, the biggest funder behind Yamato Bank is the Osaka local government. The Osaka local government even handed over the Osaka Prefecture vault to this bank for management.
In addition, in the past decade, Yamato Bank's main business, or its focus in expanding its business, has not been placed on the real estate investment field. Its main business direction is trusts, including monetary trusts, land trusts and pension trusts. In addition, it also mainly engages in securities and foreign exchange
It is also because of this that Yamato Bank was not very shocked in the bursting of the real estate bubble in Japan. Its losses are mainly concentrated in pension trusts and monetary trusts, especially in monetary trusts. Due to the ups and downs of the international currency market exchange rates in recent years, it has suffered a significant blow.
In addition, the sanctions imposed by the US government on it have largely hindered the expansion of Yamato Bank's overseas business, and at the same time, it has also caused great damage to its credibility.
Once a city bank like Yamato Bank encounters this level of risk, it is often difficult to withstand it. Why do people at the Hony Club think that Bin Fujita's idea of trying to save Yamato is a delusion?
The reason is very simple. It is because Yamato is a city bank. At present, when the financial industry in Japan is generally in a downturn and everyone needs the support from the central bank, it is impossible for such a local city bank to receive relief from the Tripitaka Province.
It is more realistic. Once a bank like Changxin goes bankrupt, it will easily cause panic among the people and cause the entire Japanese financial system to collapse. Because Changxin involves depositors too huge, the impact of its bankruptcy is very far-reaching.
But Yamato Bank is different. Not to mention that the central bank now opposes the attitude of relieving commercial banks. Even if they want relief, Yamato Bank can only rank backwards.
In the view of Kita Kita, the only way out for Yamato Bank now is to seek merger, merge with another city bank with complementary business, integrate the high-quality resources of the two banks by creating a new bank
However, Bin Fujita has made a clear statement before. It is not that he does not accept bank mergers, but he protects the rights and interests of shareholders to the greatest extent. He also requires an agreement on the dismissal of employees. The new bank should retain more than 80% of the existing employees of Yamato Bank.
To be honest, such requirements cannot be met. If he does not make concessions, no bank will choose to cooperate with him. The corresponding merger procedure cannot be approved by the Financial Bureau of the Tripitaka Province.
Now that this guy called again and was still talking about such things, Kita Kita Miyashita felt very impatient
Fujita Kun, listening to the other party finishing his words silently, Miyashita Kita breathed a sigh of relief and said, I think what you need to do now is to put down everything at hand and calm down for a few days, I...
No, no, Akamoto, please listen to me finish my words. Fujita Bin interrupted him and rushed to say, Now, I have a clue. The most important thing is that the governor of Yokoyama is willing to make some efforts in this matter. He has contacted the management of Nara Bank, Osaka Bank, and received a very positive response from them.
Yokoyama Governor naturally refers to the current governor of Osaka Prefecture Nok Yokoyama. This guy is really an ignorant and fearless, and dares to interfere in anything.
As for Nara Bank and Osaka Bank, they are also two city banks of the same nature. As for their operating conditions, hey, compared with Yamato Bank, it is nothing more than the big brother who doesn't laugh at the second brother.
We have already discussed and decided to hold a meeting tomorrow night. Fujita Bin continued, the current negotiation intention is to complete the merger of the three banks in two steps...
Then, Fujita Bin began to talk endlessly about how they plan to merge.
According to Fujita Bin's plan, the merger of the three banks will end within two years. The first step is to jointly establish a financial holding company with the same proportion, and integrate all three banks into the name of this financial holding company.
To put it bluntly, it means converting all three banks into subsidiaries of this financial holding company, and they are completely subsidiaries.
In this way, this brand new financial holding company will become a giant financial company with a total assets of nearly 40 trillion yen. Its risk resistance will be greatly improved. At the same time, it will naturally maximize the confidence of investors.
In fact, the integration of the three banks will not have any direct effect on their own financial situation. After all, after the integration is completed, although their total assets appear to be huge, the scale of bad debts and bad debts will also become even larger.
But then again, after completing the integration, they will naturally launch a series of business splits, some overlapping business projects will be cancelled, and a large number of redundant employees will be dismissed. This is actually a process of eliminating inferior resources, which is beneficial to the bank's operations, and at least it can reduce unnecessary expenses.
According to Bin Fujita, after the integration is completed, the three banks will reduce the burden of no less than 6,000 people only in laying off employees, and the expenses saved in this will be a huge amount of money.
The most important thing is that the current three banks have not had good international reputations. Take the Moody's ratings in the United States for example. The credit ratings of the three banks are all Ba-level. This level is divided, which means that these three banks have unstable characteristics and their operating conditions are not very good. Once the economic situation changes, they will not be able to guarantee the repayment of principal and interest.
Such a rating is very fatal to a financial institution. It is like a dam blocking a large number of cautious investors. Only short-term speculators will come to visit. This type of short-term investment is not a high-quality investment for financial institutions.
The integration that Fujita Bin and his team conceived was to deal with lower ratings. They did not think of getting an A, but if they could climb to the Baa level, it would be very beneficial to the development of the bank.
In addition, the merger of the three banks will have a bigger plate, and they will have a greater say when negotiating with the Financial Regeneration Committee.
As for the purpose of Fujita Bin contacting Miyashita Kita, there are two: First, he hopes to be recognized by the Hony Association, so as to encourage his colleagues in the financial industry to help them in this matter, mainly to put some pressure on the Banking Bureau of the Tripitaka Province to prompt the Banking Bureau to give them permission to merge.
Another point is that Bin Fujita hopes that Miyagi Kita can clear the financial holding company that helped the three banks get enough to get rid of the adverse situation of low credit ratings through the evaluation of those American credit evaluation companies.
Of course, these requests were only unilaterally proposed by Bin Fujita. After all, whether the idea of a merger of the three banks can be achieved depends on the result of their negotiations. In addition, it depends on whether they can obtain permission from the Financial Bureau of the Tripitaka Province
The merger between banks is not a simple matter. It is not something that a few of their executives can really be accomplished by discussing it together. Even if the financial bureau issues are not considered, what about the bank’s shareholders?
What about investors?
Their position is very important. Miyashita Kita doesn't know if Fujita Bin can do the job of those people
To be honest, Kita Kitaki really doesn't want to interfere too much in this kind of thing, but considering the other party's identity, especially the merger, no one can say whether it can be concluded, he finally agreed and expressed his willingness to give some help within his ability in this matter.
Putting down the phone, Miyashita Kita frowned, he was thinking about the idea proposed by Bin Fujita.
To be honest, although I am not optimistic about Fujita Bin's idea, this not optimistic just means not optimistic about the other party's execution, rather than not optimistic about the plan itself.
In the view of Kita Kita, this way of seeking interbank mergers to enhance risk resistance and market competitiveness is still very feasible.
Judging from the memories of previous lives, many Japanese financial institutions have also chosen this way to get rid of the predicament.
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