Reborn Tokyo Golden Age.

Chapter 365 Obviously I First
"Arai-san, how is the operation of Hokuto Bank this year?"

Besides Bai Chuan Electric and SIC, Bai Chuanfeng is most concerned about the situation of Beidu Bank.

As the only financial institution in Shirakawa Holdings, it will have extraordinary strategic significance in the future.

Hearing Bai Chuanfeng's inquiry, Arai Yu picked up the materials at hand and began to make a detailed report.

"Compared to last year, the expansion of Northern Metropolis Bank has accelerated again.

In addition to the five Tohoku prefectures and Hokkaido, we are also promoting the construction of Hokkaido Bank branches in Tokyo and the South.

Compared with the 81 branches when it was first taken over in early 18, after two years of development, there are currently 49 Beidu Bank branches within the Neon area.

The density of branches here in Tokyo is the highest. Including the Hachioji branch under construction, there are a total of 10 branches distributed throughout Tokyo. "

A branch means a branch. After two years of development, there are 49 branches, which is already very remarkable.

This does not count the ATM cash machines distributed on the streets. After all, the so-called branches refer to branches with business halls.

If you only look at the terminal of the Bank of Hokkaido, which is accessible to the general public, its shadow is already everywhere in the 23 districts of Tokyo.

"Next year's branch expansion plan can focus a little bit on the layout in the south, where the influence of Beidu Bank is still too low."

In the southern regions of Kyushu and Shikoku, except for a few major cities, the Northern Capital Bank has almost no sense of presence.

Bai Chuanfeng's original idea was to open Beidu Bank into every city with a population of more than 85 in the whole city before 20.

Now it seems that this speed is still a bit slow, but the financial industry alone cannot support the expansion of Beidu Bank at such a speed.

When Arai Yu heard Bai Chuanfeng's instruction, although he nodded in agreement, his expression was quite serious.

For him, such a task is not easy.

Because Beidu Bank has almost no roots in the south, it will easily become negative assets of the bank if it expands too fast.

"Well, next year Shirakawa Electric will choose a place in Kyushu and Shikoku.

It is used to build the second optical disc factory and the optical drive factory used in conjunction with it.

At that time, Northern Metropolitan Bank can enter the locality simultaneously with them, and then use this as a basis for decentralized expansion. "

"If that's the case, Northern Metropolis Bank is confident in completing this task."

Sure enough, when Arai Yu heard Bai Chuanfeng's actions, his expression became visibly relaxed.

Beidu Bank alone may not work, but with the factory of Shirakawa Electric, it will be completely different.

In Tokyo, the reason why Hokuto Bank expanded so fast was because of the assistance of Shirakawa Electric's factory.

The salary cards of thousands of people are all opened at Beidu Bank, and these are all active users.

In addition to depositing savings in Beidu Bank, many people also use Beidu Bank for financial management.

With their participation, Northern Capital Bank will take root in Tokyo in just one year.

If this method is also replicated in the south, it will undoubtedly be more reliable than Beidu Bank fighting alone.

After planning the bank's development strategy for the coming year, Arai Yuya began to report to Shirakawa Feng the revenue of Beidu Bank for this year.

Unlike last year's insignificance, this year Beidu Bank took advantage of the listing opportunity of Baichuan Electric to make a fortune.

The profit from underwriting new shares alone was 120 billion yen. Since then, Beidu Securities has made a small profit of about 40 billion by using the primary and secondary stock markets.

These are just the dividends brought by the listing of Baichuan Electric, and don't forget the own business of Beidu Bank.

Investment income, intermediary business income, interest difference income, and credit card business income are the main sources of bank profits.

Among them, investment, interest rate difference, and credit card are the bulk of the profit, but the profit of Beidu Bank only comes from the latter two.

As for the investment, it's not that there is no such thing as there are many agricultural projects in Akita.

But, the income is very impressive, not even 5 million yen a year.

But fortunately, it is still stable, so Bai Chuanfeng did not touch this part of the related business, but intends to hold it in the medium and long term.

The interest rate spread and credit card business really make money for banks.

The interest rate difference is the difference between the depositor's deposit interest and the bank's lending interest on the money. To put it bluntly, it is still a difference.

And many of the depositors of Beidu Bank are employees of Baichuan Electric, and their salaries add up to an astonishing figure.

Even if Beidu Bank does not lend, the interest on interbank deposits is not a small number.

As for the credit card, which mainly earns annual fees and amortization fees, this is the second largest source of profit for Beidu Bank.

For the whole year of 82, the total profit of Beidu Bank's financial business was about 430 billion.

Including the dividends from the listing of Shirakawa Electric, the total is 590 billion yen.

It seems a lot, but compared with Daiichi Bank, Mitsubishi, and Sumitomo, it is at least ten times worse.

The journey from a local bank to a medium and large bank will not be so smooth.

Beidu Bank is only on the way to turn around, moving forward with difficulty.

According to the normal development law, it may take decades to complete this goal.

Of course, if there is a rare opportunity in a century, it may not be impossible to soar into the sky.

However, only about 590 billion of the profits of 400 billion can fall into the account of Baichuan Holdings.

After all, after two years, Baichuan Holdings has only controlled about 70% of Beidu Bank's shares.

As the future core enterprise under Baichuan Holdings, although Beidu Bank has not yet grown up, its profitability is already evident.

In terms of revenue, Beidu Bank probably ranks third within Baichuan Holdings.

Followed by HAL Research, as the only software industry association within the group, its revenue this year has also reached a new high.

The bulk of the profit comes from the Chinese character reading and writing cards installed on Fujitsu personal computers, and more than 50 units have been shipped so far.

Because its cost is very low, two-thirds of the selling price of 29800 yen is profit.

Therefore, this product alone has brought nearly 90 billion yen in profits to the HAL Research Institute.

In addition, the computer game department is also attacking everywhere. The three computer platforms of Fujitsu, NEC, and Sharp all have games developed by HAL.

Compared with last year's revenue of less than 6 million yen, this year's figure has soared to 70 billion yen.

The biggest contributor to this is of course our fat classmate Satoshi Iwata.

"Iwata-san, regarding the computer game business, does HAL have any plans for next year?"

In the original computer game department, Bai Chuanfeng directly appointed him as the department head.

For Satoru Iwata who just graduated, this is a pressure and a motivation.

It is well known that he is obsessed with games, and he officially joined HAL directly after graduating from Tokyo Institute of Technology.

For this reason, he also had a big fight with his father, who is the mayor of Muroran City, Hokkaido.

Like many traditional parents, he absolutely cannot tolerate his son engaging in game work that is regarded by others as not doing his job properly.

Returning to Hokkaido is the right way to inherit his mantle.

It is foreseeable that the very different values ​​​​of the father and son will definitely bring about fierce conflicts.

When the trouble was at its worst, Satoru Iwata was so angry that he almost planned to live in Tokyo forever and never return to Hokkaido.

In the end, Bai Chuanfeng personally called Hiroshi Iwata, that is, Satoshi Iwata's father persuaded him to agree to Satoshi Iwata's position in the HAL Research Institute.

I have to say that the name of Shirakawa Electric is still very easy to use, especially in Northeast China and Hokkaido.

Hiroshi Iwata was still stubborn at first, but after learning that Kaede Shirakawa personally hired Satoshi Iwata, he admitted the fact that his son was engaged in the game industry.

It's not that he recognized the prospects of the game industry, it's just that Bai Chuanfeng's name was recognized by him.

If he thought it would be worthwhile for the founder of Baichuan Electric to make a phone call to convince him, then the job must be really important.

Is the vision of well-known entrepreneurs not convincing enough?
So Satoru Iwata finally got the support of his family, and now works as the head of the computer game department at the HAL Research Institute.

Hearing Bai Chuanfeng's inquiry at this moment, he immediately sat upright.

To be honest, there are so many senior bosses in the entire conference hall, which makes him a little nervous, but of course excited.

"In addition to preparing to launch home game consoles in the first half of the year as planned, we are also in contact with third-party game developers.

At present, several clubs have expressed interest, and it is expected that a preliminary agreement will be reached after the year. "

The development of home game consoles was also placed under the computer game department by Bai Chuanfeng.

After all, at the beginning of the publicity, the home game console had another name called "home computer".

As for why it is called a "home computer" even though it is a game console, it is one thing to be tall.

In addition, it is much more convenient to use this name to cheat money from parents.

"The home game console business is our main project next year, please ensure its smooth release."

"Hay!"

"By the way, how many third-party game developers have you contacted?"

"Hudson Software, Enix Corporation, and Mr. Kenzo Tsujimoto..."

"Kenzo Tsujimoto?"

The first two Bai Chuanfeng can still understand, after all, it sounds like the name of the company.

But no matter how the last one sounds, it sounds like a person's name, right?

"Hay..." Satoru Iwata nodded awkwardly, and Gucun sitting next to him showed a slightly mocking smile.

"Although Kenzo Tsujimoto is unemployed now, he has a wealth of experience in the game industry.

I have also founded a well-known game seller like Irem before, and I will probably devote myself to the game industry in the future, so I think it is the right time to contact him. "

unemployed?Bai Chuanfeng had a strange expression on his face.

As for Tanimura, he didn't hide the sarcasm on his face. He looked down on the few partners Iwata had found.

Let’s just talk about this Kenzo Tsujimoto. The warehouse is full of arcade machines that cannot be sold, and the lost ones are sold to pay off the debts.

Because of the deterioration of the business situation, I had to take the blame and resign and leave the club I founded.

How do you expect him to make a comeback?

And Hudson Software, who wanted to open a coffee shop at first, but then found that there was already a coffee shop in the place where they wanted to open a shop.

So I changed the coffee shop into a radio shop, but because I had no business experience, I was losing money every month when I opened the shop.

As a last resort, they began to sell computer development games again. The business policy they adopted was "quantity over quality."

The club once released more than 30 games a month, but all of them failed, and none of them succeeded.

Tanimura did not understand what potential such a club had.

Enix looks like a serious club, but their founders are two college students who have just graduated, and they have very little experience in game development.

Therefore, Tanimura was very disdainful of the several partners Iwata found.

He is very jealous of Bai Chuanfeng's preference for Iwata Satoru, obviously he is the president of the HAL Research Institute, okay?

As a result, after the whole meeting, my sense of existence was not as strong as that of the other party.

Obviously it was me first!

(End of this chapter)