Reborn in America, I'm serious about making money.

Upon suddenly returning to North America, Zhang San wasn't afraid of any particular person, but rather of getting into some trouble. Forty-five years ago, among the merchants, landlords, and compradors from old Shanghai who came to Hong Kong, not many were able to thrive; most, it is said, suffered the loss of their families and lives.

Such a place is naturally not a place he can stay.

Last year, he had the bank return all the financing funds, including interest and dividends, according to the contract. As for whether those people were willing to invest again, that wasn't his concern. Guan Zhilin had even asked Zhang San if she wanted to withdraw her money. Zhang San's answer was, "No rush, you can wait a few years."

Hong Kong is a gathering place for all sorts of talented and extraordinary people, including the legendary swindlers. Zhang San dared not underestimate these people and was filled with awe for them.

It would be better to run away in advance and "sell" the financial group to Mitlan Bank. That way, everyone would know that this loser was scared and had run away with his bucket.

The main reason he came back was that last November, NT-MS acquired New York Republic for seven billion US dollars, which was an expensive price.

Zhang San felt that this year's dividends were even lower than expected, but there was nothing he could do; if he didn't buy more, he would have to pay taxes.

Following the completion of the transaction, the outline of a massive banking group spanning Europe and the United States is taking shape. New York Republic Corporation and Midland Bank are currently planning their integration and will form a new financial group this year.

Zhang San sold New Era Financial Group to Mitlan Bank in order to complete the final piece of his empire.

Just like New York, London, and Hong Kong, a global 24/7 trading network has been formed; New Era, New York Republic, and Mittelland Bank are located in the three cities of New York, London, and Hong Kong, forming a perfect all-time zone financial group.

Zhang San returned to North America, with the headquarters in New York, and established the Golden Globe Bank Group. After the merger, he made a large number of management personnel changes and also laid off a large number of employees.

They also recruited a lot of people from outside to enter the bank. This personnel transfer involved screening and bringing in many people from the mainland and the former senior management of New Era Financial Group to take up senior management positions.

Their first stop was San Francisco, where they were taken to a hotel.

"Aren't we going to New York? Why are we stopping in San Francisco?"

The executive from Hong Kong was a little curious and chatted with someone next to him who was also about to take up an executive position, and he was from the mainland.

The two met on a chartered plane from Hong Kong to North America with other colleagues; they heard that they had also been transferred to North America to serve as senior bank executives, which is how they became acquainted.

"I don't know." The manager from the mainland clearly didn't know either, but he was relatively quiet.

The group of executives from mainland China were finance personnel from Stephen Business. Although they studied finance, they were not familiar with banking operations.

"Gentlemen, please be quiet." The person leading the group was a typical white Westerner. There was someone next to him translating for them. The people from Hong Kong could basically understand, but most of the people from mainland China could not understand.

"It's the boss. He wants to meet with you. Now, come with me. The boss has been waiting for you for a long time."

The banquet hall doors opened, and led by the white man, they split into two groups to enter. However, perhaps subconsciously, Hong Kong and the mainland were clearly separated into two distinct lines.

However, once they entered, both groups were somewhat surprised to find Zhang San sitting in the center. He smiled and said, "Please sit down! Are you a little surprised to see me?"

Zhang San saw the answer in their eyes and continued, "That's not important. You were all promoted by me and will be interning at the headquarters of Golden Globe Bank. Those who don't speak English, learn it as soon as possible. The outstanding ones will stay at headquarters, the others will be sent to London, and the less capable ones will go back to where they came from. I hope you can all stay in New York."

"Today I'm hosting a welcome dinner for you all."

These people understood that Zhang San was telling them one thing: they, the Chinese, were Zhang San's people, and therefore, they had to work hard.

As the banquet was drawing to a close, Zhang San said, "You will be learning English and receiving training in North American banking here in San Francisco."

Zhang San then had someone take them to their hotel rooms to rest. Tomorrow, the group of them would be sent to their place of study.

The establishment of a new multinational bank naturally makes its peers wary, and the appearance of such a behemoth naturally makes many people feel a sense of urgency.

Competition is everywhere, and it can also make peers feel threatened, which is the source of danger. In order to prevent this potential danger from happening, banks can only have one strategy, which is to operate conservatively.

Zhang San attended the internal high-level meeting after the integration and shared this idea with them. They are a multinational bank spanning three continents, Europe, America and Asia, managing hundreds of billions of dollars in assets, so naturally they cannot relax.

In North America, any bank can thrive as long as it doesn't act aggressively, especially companies like Golden Globe Bank, which have cash cows behind them. Besides NT-MS, there's also Scotiabank. The cash flow provided by these two companies allows the entire banking group to operate without having to actively solicit deposits.

As for its Asian operations, Golden Globe Asia continues to allocate funds to Hong Kong, Southeast Asia, and South Korea, providing short-term loans to these regions.

With the backing of its parent company, Golden Globe, the company had a large and abundant supply of US dollars, but it only issued short-term loans.

As for the reason, only Zhang San, the one who devised the strategy, knows.

In Silicon Valley, Golden Globe has issued a number of loans to high-tech companies. These loans are subject to agreements that stipulate debt-to-equity swaps if the company wants to go public.

Zhang San felt that King Glory's branch in Silicon Valley was becoming more and more like a Silicon Valley bank; all the working capital and salaries for his internet companies here were paid by King Glory's Silicon Valley branch.

The online payment platform PAY, which was jointly established by NT-MS and the former Mitlan Bank, was automatically transferred to Golden Globe Bank.

This alone brings in tens of millions of dollars in transactions for Golden Globe Bank every day, and this transaction volume is growing larger and larger.

PAY's revenue comes from the interest income earned by lending money to other banks through Golden Globe Bank, which generates the company's profits.

When Zhang San designed the system, there was a clause that the cash would not be transferred to the seller immediately, but would be transferred to the seller's account after seven days.

These seven days are ostensibly to protect buyers from being scammed or to ensure the safety of consumers' funds.