Siheyuan (courtyard house): My name is Shazhu!

The money belongs to the company, not me. There's no need to risk my life for it.

The driver and four security guards obediently dropped their weapons, covered their heads, and got out of the armored truck.

Without a word, they got in the car, reversed, drove off, and left in one minute and fifteen seconds.

The truck was to take another route when it unloaded a large amount of cash and turned into a small alley.

"They're throwing money around, millions of dollars! Let's hurry and pick it up, they're so generous!"

"It's not that they're being generous; the cops are on our side. They're trying to get us to pick up money and use it to block their way."

"No matter what they think, if there's money to be made, why not take it? Lots of money!"

Within ten seconds, people were picking up money everywhere. The cops who ran out after hearing the gunshots only saw countless people squatting down picking up things.

Upon closer inspection, many people were holding money in their hands.

They're picking up money!

It's money left behind by the robbers!

Where are the robbers? There are so many people in front of us, we can't get through. They're trying to stop us with money.

Not only were they stopping them, but everyone was busy picking up the money, and no one asked where the robbers had gone.

The armored truck continued its journey, scattering money along the way. Each of the five people was left with only half a bag of money. The vehicle then entered an area under construction.

The five men each carried a bag of money as they entered the area, and after a few turns, they arrived at a deserted place.

They felt a sudden dizziness, and the five of them felt nauseous and wanted to vomit. When they opened their eyes again, they were in the conference hall of the Dongda Group's security department. Their mission was complete.

You can act like nothing happened, change your clothes, go home, and eat!

The other path is the same: kill one more Niu Niu who dares to resist, grab a shotgun and try to fight back, facing five submachine guns, it's no different from courting death!

The other four obeyed and chose not to be killed! They scattered money all over the ground and completed the mission safely.

This is another major news story. This time, the members of the Big Circle Gang are arrogant. They robbed money and even killed someone in the downtown area, showing no regard for Niu Feng Bank.

And the police too!

Their plan was meticulous; they didn't take too much money, but instead chose how to leave in the bustling city center.

These people not only have guns, but they also have brains; there's bound to be a next time!

Of course there should be a next time. I also want to come and pick up money. There's a hundred million scattered on the road.

That evening, the board members of Niufeng Bank were furious, but the amount of money stolen wasn't much, so they weren't too concerned.

The key is their bank's security and reputation. If people don't feel safe, who will deposit money? And if there are no deposits, how can they make more money through lending?

"We must catch these robbers! There can't be a second time! We're offering a reward of ten million for their capture, and ten million for whoever tells us their location!"

"This trend needs to be stopped; it's having a significant impact on us."

"I'll arrange it. Can the police also receive the reward?"

"It will be all right."

The next morning, all the newspapers were reporting on the robbery of two armored trucks belonging to Niu Feng Bank.

The amount of money in the car ranged from 200 million to over 1 billion. Everyone was having morning tea and thinking about it themselves, but the message was the same: 'A lot of money!'

Then, as expected, they questioned the security of Niufeng Bank, saying that the loss of two armored trucks in one robbery was huge, and asked how much money they could make in a year.

This time it was picked up by a passerby, and you managed to get a few dollars back. What if this happens again?

Why don't banks increase the security of their armored trucks when they have money? Wouldn't it be better to just deploy more personnel to improve security?

It seems that Niufeng Bank doesn't prioritize its own security, and similar incidents will likely occur again.

Reporters always love a good story!

After the blows of ten years ago and this stock market crash, Ngau Fung Bank's share price is HK$21.

Because two armored trucks were robbed at the same time, an insider calculated the losses based on past armored truck haulage to be around 150 million.

This figure will severely impact Niufeng Bank's annual revenue; it represents a net loss, accounting for more than a quarter, almost a third, of the bank's current income.

Regardless of whether it was due to their data, all that is known is that Ngau Fung Bank's share price fell 28.6% in one day, closing at HK$15.

The frenzied selling of Niufeng Bank's stock has had a significant impact on the company's reputation and finances.

He Yuzhu nodded. Kuang Biao and the others did a great job!

The following day, the share price of Niufeng Bank continued to fall, albeit at a smaller rate, dropping by HK$2.3 to close at HK$12.7.

Just when everyone thought everything was fine, another robbery occurred, this time involving two armored trucks, using the exact same method as last time.

They scattered money, blocked the road with pedestrians, and then made a clean getaway, leaving few clues behind. The pedestrians were of some benefit, but providing clues was of little use.

The board of directors of Niufeng Bank was furious and raised the reward to 30 million, while also dispatching three more vehicles and adding eight security personnel to escort the armored truck.

They believed it was foolproof.

Niufeng Bank is temporarily fine, but Niuzha Bank and Datong Bank have run into trouble. Three of their armored trucks were robbed, resulting in a loss of less than 100 million yuan, a small amount, but it has raised bigger issues.

If depositing money in several banks is unsafe, where should we store our money?

It seems like only Dongda Bank is safe. I'll go ask them if they allow us to deposit money there. Hang Seng Bank is also an option.

Reporters also needed to save money, and they were also concerned about this issue, so they contacted He Yuzhu.

"We cannot change the deposit system, and our company does not primarily focus on lending. What should we do with large amounts of deposits?"

If we don't invest, we'll have to pay a large amount of extra deposit interest. We're not familiar with business loans, so there's no need to change the bank's deposit and loan rules.

"But now all the people of Hong Kong want you to open up deposit services, because there are risks associated with other banks."

"To reiterate, our bank basically doesn't handle loan business internally; they don't understand that area. The external loans are to companies that I approve, and no collateral is required."

If we were to expand into deposit and loan services, we would need to recruit talent in this area, which would take time and be troublesome, so we are not considering it.

Actually, you should go to Hang Seng Bank, Asia Bank, Far Eastern Bank, etc. Their deposit and loan businesses are very mature, and they also have our bank's guarantee.

Just like when our bank handles deposit business, we own 70% of Hang Seng Bank, 30% of Asia Bank, and 29% of Far East Bank.

We are their largest or second-largest shareholder. If anything goes wrong, Dongda Bank will take care of it.

"Thank you, Sir He. We understand what you mean. One more question: with robbers so brazen, doesn't Dongda Group's security company do anything about it?"

"They haven't touched my company's interests or bottom line, so why should I care? We are just a business group, not everyone's savior."

I don't want to be a savior!

You should ask the person in charge of this, not our company.

"Sir He, what are your company's bottom lines?"

"We will not intentionally shoot innocent bystanders! Accidental injuries or those who resist do not count."

"Thank you, Sir Ho."

Some shrewd people had already figured out that Dongda Bank wouldn't open up its deposit business, so they deposited their money into three banks long ago.

Ten years ago, it was no secret that Dongda Group held shares in their bank; it was common knowledge, though many people have forgotten.

The surge in deposit customers at three banks has hurt all other banks in Hong Kong. The happiest bank is Hang Seng Bank, which only holds a 30% stake but is experiencing rapid business growth.

To this day, they are still the largest bank in the port city in name only!

This wave of activity has led to an increase of about 30% in deposit volume.

Deposits at the other two banks are also surging.

The worst off are Niu Feng Bank and Niu Zha Bank, along with some smaller banks.

He Yuzhu believes that Hong Kong banks are facing a major reshuffle, and small banks are having a hard time during the stock market downturn and are also facing a crisis of distrust.

A major reshuffle is a good thing!