Rebirth 79: I opened a bank in the United States

Chapter 222 Let's go to hell together

Labor expenses of [-] a month.
Carter, who refilled another cigarette, still took stock of his current book situation.Without looking at the expenses, the two banks have an average of about [-] US dollars per month through the income from collecting past interest and the fee income from settlement as an intermediary bank.If you don't look at the storage capacity, these two banks can be labeled as non-performing assets, and they are currently the companies with the worst revenue under Carter's name.

But for this, Carter was mentally prepared, and it wasn't too surprising.

The No. 23 store of HT on the side of Highway [-] and the No. [-] store in Pearson are currently in the profit stage.Store No. [-] has a gas station, and Store No. [-]. Needless to say, the busiest place in Pearson is the store where Tri Farley holds a stake.

Yihaodian operates as a sole proprietorship. Of course, in order to balance the company system, Carter also transferred 20% of the company's equity to HT Company, cashing out 4 US dollars.At present, the store's revenue, under normal circumstances, has a stable daily sales of more than 23 copies. Even after the increase in oil prices, the number of customers from Douglas has decreased, but as the time of standing by the road is getting longer and longer, this store The reputation of the store in south-central Georgia on Highway [-] is also quietly accumulating.

The average daily gross profit is 2000 US dollars, which is [-] US dollars in a month.After deducting the water and electricity bills and the HT company's share, the final income is more than [-] US dollars.The sales volume at No. [-] store was even greater, but because the money allocated to HT Company could not be divided into dividends for the time being, Carter could not get any revenue for the time being.

As for the gas station, it costs about [-] a month, and the garage is pitifully small. After deducting the labor, it can be divided into [-] dollars, which is very expensive.And according to Tri Farley, it's because of the big car.
Calculated from left to right, excluding labor expenses, the current monthly income is about 6 U.S. dollars, but Temiao’s labor expenses are [-]. At least before the ht store is opened, the wages of the huge employee group, for These expenditures have to be borne by Carter himself without taking up HT's development funds.

2800 million in cash, HT company, logistics company, and the food company affiliated to HT company spent 1000 million, and the loan plus wages totaled more than 700 million. I will soon subscribe for 200 million shares from Tiger Fund, which can be regarded as supporting Julian's entrepreneurship .Calculated in this way, the cash I currently have at my disposal is less than 900 million.
Of course, if the cash deposit in the bank is added, the disposable money still exceeds 80 million.But these expenses are not over yet. For example, there is still room for growth in ht special loans. Nearly 100 million has to be set aside. The credit card business also needs to prepare about [-] in reserve funds to maintain the normal operation of the [-] million credit line. [-] to be invested in the construction company
All of a sudden, the little four million went in again.There is still nearly 100 million salary expenses that need to be reserved for the next three months, and after the new citizens enter, they need to apply for housing loans
"I'm still planning to do some business investment, it's still a woolen investment."

Carter, who felt a little financially distressed, left the bank shaking his head.It's not a good mood, but it's not bad either. After all, this calculation doesn't include cash deposits in the bank. If that sum is included, then my current financial situation is actually quite good!

Just when Carter came home to enjoy a warm family dinner, a fierce quarrel broke out in Argyle's Bath Bank
"Why are you not allowed to settle in advance? Your Bath Bank is too overbearing. I have never heard of such a clause!"

"That is, it is not allowed to settle within five years. This is the overlord clause!"

In the bank lobby, a group of people with red faces and thick necks because of anger were slapping the bank's counter, pointing at the loan contract on the table, and angrily rebuked the arrogance of Bath Bank.

"What is the overlord's clause? It's not allowed to settle in advance because we have to live! Who doesn't know what you want to do, take this loan to Pearson next door, and then borrow another loan from there to pay off the debt. Where Is there such a good thing? Why should we lend our money to you for free for no reason? "

The logic of Goodman's guess is not impossible for others to guess.What kind of phenomenon will the difference in interest rates lead to? A shrewd person like Bath, the old man, guessed the scene before him when the Bank of Bath raised interest rates, but the Forest Bank in Pearson next door did not move.

When revising the loan contract, I also ventilated the tellers in advance: If these people are allowed to run away, the income of Bath Bank will drop, and their wages will be reduced.
Given their interests, the tellers of the Bank of Bath are naturally very impatient with these "troublemakers" who may cause them to cut their salaries.

It would be nice to be able to give you a loan, but I'm still here.
"What is free? Where do we ask you to be free and interest-free! How much interest should be paid before the arrears are paid? We pay normally. Is there any problem? Settling in advance can also prevent bad debts!"

"Pavel, why are you telling her these things! I can see that they just want to make money, they only have Franklin in their eyes, and they don't care about us at all!"

"The loan from the factory was used to make us unemployed. Now it is blocked from our housing loan, and we are not allowed to survive. Is this still our Argyll savings bank? Its heart is darker than that of a commercial bank!"

Thinking of the pictures of being made things difficult and being deliberately found faults in the loan application review before, the dissatisfaction among the crowd is getting louder and louder.The teller who was frightened by the crowd panicked and called the security guard directly.
And this undoubtedly became the spark that intensified the conflict, or ignited it.
"Gentlemen, please keep calm! Get out first, come one by one."

Three tall and strong security guards on duty walked into the crowd with rubber sticks hanging from their waists.The security captain began to disperse the crowd according to the procedure, trying to wait for the crowd to calm down, and then communicate with each other to resolve the conflict.

But at this time, the people who were forced to lose their jobs due to Bank of Bath’s loan cutoff, were stimulated by the overlord clause in the loan contract. Watch the big villain agency in the movie.
At this time, the security guards tried to persuade them to leave, and let them come in one by one to handle business.Falling into people's ears, the persecution paranoia of the Angsa people directly attack
"Come in one by one, so that you can oppress us unscrupulously?"

"We can't be separated! We have to be united, and we haven't done anything wrong! Why should we be driven away?"

There are those who remain calm, suppressing their anger, and still reasoning.There were also emotional people who directly threw the empty soda cans in their hands at the security guards.
"I waited for a whole day, and I didn't even take a bite of the food. I've had enough of being angry with you for a day! If we don't let us live, let's die together hahaha, let's die together! You guys The bitch who deserves to go to hell!"

As a soda can smashed towards the security guard, a somewhat frantic voice sounded.Following the direction of the sound, the eyes of the three security guards suddenly narrowed
(End of this chapter)