The role of a bank does not need to be explained. Rock has been struggling in Johannesburg for so long, and now he finally has all the conditions to establish a bank.
The gold in the basement of Rock's gold mine is the capital that Rock started the bank.
The Chinese in Johannesburg are the natural service targets of the bank.
Ada has filled the most important link. Neither Rock nor Stoudemire is suitable to prepare the bank. Ada is the most suitable candidate.
"Great Locke, a bank, is this why you called me here from Cape Town?" Ada said with a wink.
"Of course not, I hope you can come, just because I miss you -" Roqueto looked into Ada's eyes affectionately, and touched the back of Ada's hand across the coffee table.
Ada was so elated that she came over and kissed Rock hard on the face, and then continued writing at the desk.
"It is very simple to set up a bank. The most convenient way is to acquire it directly. You don't need to worry about this aspect. Leave it to me. There is a Rand gold mine in Johannesburg. It is very necessary to set up a bank. Your lover Scarlett
Li seems to have worked in a bank before, do you want Scarlett to be the general manager?" Ada seemed to mention it casually, but she didn't seem to mind it too much.
"Come on, Scarlett and I really have nothing to do with each other. Put away your petty thoughts." Rock understood everything clearly and his desire to survive was also very strong.
Ada smiled sweetly and came over again to give Rock a small reward. Unexpectedly, Rock's people stole the goods and got it. Next——
Indescribable!
——
In the evening, Rock took Ada to visit Henry.
Henry didn't feel dissatisfied when he saw Ada, just like receiving an ordinary friend. He didn't seem to worry that Ada would affect the relationship between Rock and Phyllis.
It seems that this kind of thing is indeed normal.
"Establish a bank? No problem. I will invest as much as you invest." Henry and Roque are highly consistent. This is obviously an opportunity to make a fortune. Whoever doesn't want it will be stupid.
"Okay, I'm going to invest 1 million, plus your 1 million, and we'll see how much Stoudemire is willing to invest later." Rock came to Henry for this purpose, and of course he would not refuse Henry's investment.
If nothing else goes wrong, Stoudemire's investment will be around 1 million pounds. In this case, this bank, whose name has not yet been determined, will have a share capital of 3 million pounds.
What is the concept of 3 million pounds?
The most successful investment bank in the UK at this time was Barings Bank, whose total share capital was only 2.9 million.
When Rock and Henry were talking about these things, Ada and Lacey didn't interrupt. They looked at the two men with proud eyes. After all, not everyone is qualified to casually talk about a million-dollar business.
Rock and Henry were indeed casual. They confirmed the matter in a few words and then changed the subject.
"The second phase of the cement plant is about to be completed. The output of the cement plant can reach 30,000 tons per month. Will Nyasaland run out of it?" Henry's eyes lit up when he mentioned the cement plant. Now the cement plant has become Henry's.
There is a "gold mine".
It is too easy to start industry in Johannesburg these days. As long as you spend money, you can buy any technology and equipment. There are almost endless Zulus providing cheap labor, and the money is just like picking up for free. Rock originally wanted
When the cement factory was built, Henry didn't take it seriously. Now Henry is full of gratitude. Rock has indeed found a new source of income for Henry.
"As much as you want." Rock is not polite. You can never have too much cement. Nyasaland is undergoing large-scale development and the cement gap is very large. Because of Rock's shares in the cement factory, Rock
Getting cement from the cement factory is equivalent to a 50% discount, so you can use it freely.
"The railway will be completed soon. It seems that it has passed through Salisbury a few days ago." Henry is very concerned about the railway. When the railway is completed, Nyasaland and Transvaal will be connected.
"Soon--" Rock won't talk much about this topic.
The South African company went all out and built the railway very quickly. It took Stoudemire less than four months to cover the nearly 500 kilometers from the border of Transvaal and Rhodesia to Salisbury.
The reason why the speed is so fast is that you can imagine the price paid. To put it bluntly, this railway was laid with the lives of Zulu people, even if it is not to the extent that there is a Zulu person under every sleeper.
Almost.
Rock doesn't know how many people died for this railway, and he doesn't want to ask. The South African Company has no records of this, so let these black materials disappear in the long river of history.
The next day, Stoudemire came to Pretoria from Salisbury and happily took on the share assigned to him.
It's really about distribution. If possible, Rock, Henry and Stoudemire are all willing to invest more. It's a pity that the other two people will not agree to any one person's additional investment, so the final distribution plan is Rock, Henry and Stoudemire.
Each person has 30% of the shares, and the last 10% belongs to Ada.
In order to obtain this 10% share, Ada personally contributed 350,000 pounds. This amount does not need to be paid by Roque. Ada herself has the financial strength.
With the addition of Xiao Si, setting up a bank was much simpler than Ada and Rock imagined. Rock had no idea how to set up a bank. Ada originally planned to acquire a bank and then transform it, but the result was
Here, there is no need for acquisition at all. Xiaosi just sent a telegram, and someone immediately sent all the procedures required to establish a bank. There was no need to report to the Imperial Bank or apply to London. Within one day, this bank
A bank called "Rand" was registered in Salisbury.
I almost forgot, Rhodesia is the kingdom of Xiaosi. Even the governor of Rhodesia needs to be appointed by Xiaosi. It is not too simple to set up a bank.
So the next thing fell into place. Within a week, Rand Bank completed site selection in four cities including Salisbury, Pretoria, Johannesburg, and Cape Town at the same time and started construction.
This chapter is not over yet, please click on the next page to continue reading!
The bank's recruitment work also started at the same time. Ada really asked Scarlett to come over as the deputy general manager of Rand Bank, and she herself served as the general manager of Rand Bank.
"What's wrong, you can't bear to leave?" Ada observed Roque's expression with interest.
"No, it's just that once Scarlett leaves, it will be more troublesome for me. Scarlett is now responsible for the financial work of the gold mine and reservoir. I don't trust leaving this job to others." Rock still said to Scarlett.
He is very trustworthy. It doesn’t matter to Crocodile Company. There are too many secrets in the Rock Gold Mine. Rock doesn’t trust other people.
"Don't worry, I will send special financial staff to the gold mines and reservoirs. Don't worry about their loyalty. There will be absolutely no problems. I guarantee it." Ada vowed.
"What should I do if something goes wrong?" Of course Rock trusts Ada, but as for the others.
"If something goes wrong, I will compensate you myself -" Ada replied with a sweet smile.
Luo Ke immediately felt hot in his heart. This witch must be punished on the spot.
Banks in Salisbury and other places have not yet been built, but Rand Bank has opened its doors in Ziwei Town.
In fact, Rock had already made all the preparations for establishing a bank. He changed the brand of the agricultural cooperative and the world's first Rand Bank branch was successfully opened.
If you have a bank, you must also have business. Rand Bank’s first business came from the Rock Gold Mine, and its business content was to pay salaries on behalf of others.
Distributing wages on behalf of others is common in the 21st century, and was definitely the first of its kind in the early 20th century. Rock still had to convince Ada before she could agree to open accounts for so many miners at the same time.
"Oh my God, there are five thousand customers. I don't know if Imperial Bank has so many customers in Cape Town." Ada didn't know whether to cry or laugh.
In the age before computers, managing so many accounts at the same time was a disaster for a private bank.
Therefore, banks at this time basically serve large customers. Ordinary small customers are not qualified for banks to provide services. It is not that banks do not accept small customers, but they use various small means to raise the threshold, such as high fees.
The account opening fees, as well as the management fees after opening the account, are enough to prohibit the vast majority of small customers.
The same is true of the Imperial Bank of Cape Town. At least when Rock was in Cape Town, he had never been to the Imperial Bank of Cape Town. With Rock’s salary, he didn’t look down upon him when he went there.
"This is just the beginning. In the future, there will be Crocodile Bay Company, Ziwei Hospital, Ziwei Public School - all companies that can pay salaries on behalf of others. In the future, salaries will be paid on behalf of others." Luo Ke didn't mind the trouble. Compared with the increase in salary,
, Roque pays more attention to data. If everyone in Johannesburg is willing to open an account at Rand Bank, then Roque will have more detailed information than the Ministry of Home Affairs.
Of course, if the Ministry of the Interior wants to ask for information from Rand Bank, Rand Bank will definitely not give it to him. Rock’s ideal bank is the kind of private bank in Switzerland. No matter how bad Swiss private banks are, but in
In terms of customer loyalty, UBS has indeed achieved the ultimate.
"Locke, have you ever considered how much cost this will increase for us?" Ada now feels that the bank is a trap. Not to mention whether it can make a profit, whether it can survive is a question.
"It will increase some costs, but it is not that serious. Account openings of this scale can only be opened in Johannesburg, Cape Town and Pretoria, and even in London and Paris in the future, so what should we do?
We need to make Johannesburg people get used to using Rand Bank and become dependent on Rand Bank, so that the bank will make sense." Rock opened the bank not to make money at all. To make money, Rock has many ways to use Rand Bank to indirectly influence Johannesburg's talents.
This is Rock's purpose.
It is a very simple fact that the world in the 21st century can be said to be controlled by bank capital. People cannot live without banks in all aspects of their daily necessities.
At the beginning of the 20th century, the influence of banks on society was far from reaching the level of the 21st century. Many people did not notice this trend at all, but Roque would definitely not ignore the role of banks. Roque would take advantage of
During this blank period, we will try our best to promote the development of Rand Bank and prepare for the future.
"Let ordinary people rely on banks?" Ada has not yet accepted Roark's philosophy.
"Yes, let ordinary people also rely on banks, just like the rich and middle class now. And don't think that the miners and farmers in Johannesburg are poor. Those miners may not have money, but those farmers are at least middle class.
"You can ask Scarlett about this issue. Scarlett is a big landowner in Johannesburg." Rock could only sigh at the wonder of fate. In order to accommodate those Boer women, Scarlett bought more than 20,000 acres of farm.
In the whole of Johannesburg, Scarlett is the largest landowner after Roark. Those farms may seem inconspicuous now, but in the future, the value of those farms will make gold mine owners crazy.
"Okay, I will understand." This is the advantage of Ada. She is independent but not stubborn.
On the last morning before leaving Pretoria, Rock and Ada took a shower together. Rock was horrified to find that the mouthwash used by Ada contained "radium" elements.
"Fuck, who gave you this thing?" Rock was so furious that he threw the mouthwash directly into the trash can.
"Oh, what are you doing? It's very expensive——" Ada was reluctant to give up.
"Let me tell you, anything containing radium will never be used in the future, especially something that needs to be taken into the mouth. Are you afraid of death?" Rock observed Ada carefully, and there seemed to be no change.
She is still so beautiful, her skin is still breakable, her hair is still moisturized and smooth, and even the corners of her eyes that are slightly raised due to anxiety are so vivid.
"What's wrong?" Only then did Ada realize the seriousness of the matter.
In 1898, Marie Curie discovered the radioactivity of radium, and then someone discovered that radium can actually treat tumors.
The situation began to get out of control, and in the following decades, radium was believed to be able to strengthen the body, prolong life, rejuvenate youth, and achieve immortality.
Not only mouthwash, radium was added to toothpaste, chocolate, cosmetics, and medicines. At this time, doctors even had to prescribe radium medicine (tonine water) to patients to satisfy them.
Rock doesn't know whether radium can treat tumors, but he knows that radium, an element that is radioactive, must be extremely harmful to the human body, so Rock will refuse all foods and cosmetics containing radium.
"Besides mouthwash, what else uses radium?" Rock didn't dare to be careless. At this time, people didn't realize how dangerous the element "radium" was.
"No more - yes, it seems to be on the watch too -" Ada was inexplicably surprised.
"Watch?" Rock is going crazy. Watches are inedible. Why is radium used?
"Radium can emit light. As long as the hands and dial are coated with radium, you can still see the time even at night." Ada finally found a reason.
"Throw it away, if your bones don't want to turn into a hornet's nest." Rock is not an alarmist, radium is just that dangerous.
Rock suddenly realized that since there are so many things with radium added here in Ada, there should be some in other places too.
For the health of his friends, it is necessary for Rock to remind them.