Xueyue Ling, Duke’s Mansion.
“Your Majesty Duke, this is the latest data from the bank. In the first half month of opening, we have issued nearly 400 magic crystal cards and collected deposits of 1.86 million gold coins.
The current users who apply for cards are all here because of your name. They didn’t care about the specific business of the bank. Only a few nobles had inquired about exchange and loan business.
Deposit business data is mainly driven by territorial income deposits. If the deposits of the Lord’s Mansion in the bank are deducted, the actual deposit amount is less than 860,000 gold coins.
On average, the average deposit per customer is only 2,200 gold coins.
According to data analysis, the customers who deposited two thousand gold coins are all doing it to support you, and there is no need for loans or exchange in the short term.
Only about one-tenth of our customers will have business interactions with us in a short period of time, mainly for remittances and currency exchanges.
According to your stipulation, no exchange fees will be charged within one year, and these businesses will be loss-making transactions in a short period of time.
Regardless of the cost of the magic crystal card, so far we have invested 110,000 gold coins in the Near East Development Bank.
Based on current estimates, the bank’s monthly operating costs will remain between 5,000 and 8,000 gold coins.
Mainly the Wangdu branch requires a large number of security personnel, which increases security investment.
If the business volume increases in the future, funds will need to be mobilized between the three major branches, and escort fees will also increase.
Considering the actual situation, we must start the lending business as soon as possible to let the funds in the account flow in order to achieve profits as soon as possible.
After risk assessment, the Shandiling branch is currently the most suitable for expense lending business. We have been operating in the southeastern provinces for the longest time and are very familiar with the situations of potential customers and can effectively control risks.
Because of the war, many small and medium-sized nobles had financial problems and needed an emergency fund.
With territorial income as collateral, basically no accidents will happen. Just because of your name, Duke, no one dares to break the contract maliciously.
Next is the Wangdu branch.
Although it has just started operating there, the royal capital radiates across the country. There are many nobles coming and going every day, and there will always be those who are short of funds.
Some businessmen are also potential customers. As long as they have property in the king as collateral, the safety of the loan is guaranteed.
The worst situation is at Xueyue Ling branch.
The current situation in the Near East is unclear. Once the orcs invade, it will be difficult for small and medium-sized nobles to resist.
However, there are a