Money Likes Me Too - Chapter 52



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Episode 52.

It seems like I wasn’t going on vacation.

‘A bank? This is completely crazy.’

The next day, Director Han Jang-soo, who went to work, clicked his tongue after hearing the story that happened on Monthly Day. He said that it was a Eureka moment.

Now it’s a bank. What’s next?

Taxi? Real estate?

No. At this rate, they might eventually try to advance into securities or insurance sales. They can also do banking, so what could they not do? I laughed.

My head started hurting.

‘No. No.’

I shook my head. I need to get back to a positive mindset quickly.

“Chief Han.”

“Yes, this way.”

KSH Holdings CEO Lee Jong-seok has arrived. After work, we had a drink together for the first time in a while. It was because I thought my head would explode if I thought about it alone.

Beer and snacks were served.

Soon after, Jangsu Han began to express his grievance in earnest.

“Is it an internet-only bank?”

Lee Jong-suk asked back.

He had seen the news, too. But it was the first time he had heard about cocoa being involved.

“Well, that’s what I’m saying.”

Han Jang-su spoke as if he was complaining.

“That’s really surprising. There’s a lot of talk about whether the creation of the Cocoa Wallet is a financial business or not, and it’s a banking business. Are you trying to tackle it head-on? Haha.”

“I’m not saying I’ll do it. I just brought it up. For now.”

“That’s true.”

But they both already knew.

The moment an idea enters Kang Si-hyeon’s ears, it should be considered as something that has already been done. Since he shouted ‘Eureka’, there has been nothing that has not been accomplished.

If there’s one silver lining, it’s that none of them were failures?

This time too, it was the same. Lee Jong-suk changed the subject.

“What happened to the movie? Didn’t you say that would be released around the Lunar New Year?”

It was last year.

took the nation by storm. No. 1 in box office history. 16 million viewers. Far surpassed 10 million movies. It changed the history of Korean movies, so much so that it could be called a historical movie.

There was a feeling of being buried in the company. It was because of Alphaduck.

‘It can’t be helped since it’s basically an IT company.’

It wasn’t in the world.

[Movie Surpasses 10 Million Viewers in Shortest Time. ······ In the midst of a sold-out line at the box office, ‘We’re Here to See You Again!’]

[1st place in all-time Korean box office sales just one month after release,······ Did the ‘Yi Sun-shin leadership’ in the movie work? In-depth movie review.]

To the public, Yi Sun-sin was that kind of person.

There were more than a few people who had seen it dozens of times. Companies and public institutions lined up to watch it as a group. There was even a boom in reruns of the Yi Sun-sin drama that came out a few years ago. It was truly a syndrome.

Han Jang-soo held back his laughter.

“There’s no problem. It’s a problem if it’s too good.”

‘s sales exceeded 100 billion won and nearly reached 150 billion won. Of that, more than half was net profit.

The same goes for the .

As expected, it received a good response at the preview. It was a reason to expect a good performance, even if it wasn’t a 10 million movie. It was his only consolation these days. It was enough to make the corners of his mouth go up.

“This time, JDV, Sharon, and Kino are all three companies, right?”

“That’s what they said. I don’t know what the CEO did, but he’s strangely obedient.”

“Haha, then that’s good.”

Lee Jong-suk suddenly burst into laughter.

“Why are you laughing?”

“It’s nothing.”

By the way, Lee Jong-suk has something to do. It was a thought that had been stirring in a corner of his mind ever since the bank story came up.

“Mr. Lee.”

“yes?”

“Are you hiding something from me? Your expression is a bit different than before.”

He is quite quick-witted.

“Haha. Hide it? There’s no such thing.”

I muddled through.

Clink, their glasses clinked again. The night of the two people’s different dreams was deepening.

* * *

‘I did it.’

Yang Seung-kwan’s heart raced.

Banking wasn’t an easy road.

First of all, it was too much. The last banking license (Peace Bank) was in 1991, a full 30 years ago. If we limit it to banks that survived after the IMF, we have to go back even further.

It’s a frog in a well. It’s a relationship of sharing the pie. There’s no way they’d welcome a new challenger.

Just like yourself.

‘Isn’t that what they call the catfish effect?’

He started as a junior in the development team and became the CEO of one of the few fintech companies in Korea. He said that when a competitor appears, the whole company becomes active, which is called the ‘catfish effect.’ Thanks to Kang Si-hyeon’s trust in him, the whole company became active.

The same goes for banks.

Even if it wasn’t like that, it had to be made that way.

It would be difficult to do that alone. Now was the time when a professional was truly needed. Seok Hyun-gon was not an expert in banking either.

That was when.

“Mr. Yang, you said you were going on a difficult path?”

Someone spoke.

“Who are you?”

“Oh, I’m late in introducing myself. I work on the top floor of the Cocoa Tower. My name is Lim Kyung-jun.”

He smiled as he handed over his business card. His white teeth flashed.

‘KSH Holdings?’

He knew it too.

Cocoa Finance is a subsidiary of Cocoa Labs, and Cocoa Labs is a subsidiary of KSH Holdings, so they are like grandfather companies. They are not in a superior-subordinate relationship, but they are not on good terms either. This was the first time we exchanged business cards like this.

“What’s going on?”

“I have someone to see. Please follow me.”

Lim Kyung-jun spoke softly.

It was my first time at the KSH Holdings office. My heart was pounding.

“Oh, that’s great.”

I followed Lim Kyung-jun and walked inside.

Inside was even more shocking.

The messy stacks of notes on each desk, the monitors stacked up in a pile, all of this gave off a command tower-like vibe.

“Come this way.”

It was a corner. There was a familiar face. It was Lee Jong-suk.

“Have we met before, Mr. Yang?”

“Of course. I was grateful at that time. Mr. Lee Jong-seok.”

It was at the Financial Supervisory Service. I first saw it at the place where the bank wallet service contract was being transferred. Thanks to that, I was able to solve the remittance fee in one go.

“Would you like to sit down, Vice President Lim?”

“Okay, I can just bring it to you.”

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The door closed. The story began.

“I heard that you are forming an Innovation Bank Consortium TF. I have been reviewing the content you proposed and I think there are areas where I can help, so I have decided to take the position.”

Yang Seung-kwan nodded.

It was a blessing. I was just thinking that I needed an expert, and then a noble person came to me. After all, you have to meet good people.

“The important thing is to form a participating company.”

“I guess so.”

“Do you have a place in mind?”

“I can’t say there aren’t any, but if this representative recommends it, I can change it flexibly.”

Yang Seung-kwan answered.

“As you know, due to the Banking Act’s provisions on the separation of banking and commerce, we at Cocoa cannot have more than a 10% stake. Even though we started the bank. It’s not easy to become a major shareholder with 10%.”

That was already giving me a headache.

“Here’s my opinion. Just take note.”

“Please speak.”

“I will arrange a meeting with Future Asset executives. You could be the chairman. You should lead the consortium, and Cocoa should take charge of the technical aspects, such as platform development. Banks are conservative. If you don’t take the lead in a stable place, you may not even get a preliminary approval.”

The explanation went on for a long time.

“It doesn’t necessarily mean that it has to be Future Asset. We need to be open to possibilities and explore other financial institutions as well.”

Yang Seung-kwan nodded. His eyes shone. They were clear eyes.

‘Since it’s a meeting with the chairman······.’

The first words were vivid in my memory. I pictured myself having a private meeting with the chairman.

“Then, can I meet with the Chairman of Future Asset and talk about it?”

* * *

A meeting with Future Asset Chairman Do Hyun-tae was arranged. It was just before the Lunar New Year.

“I know the inside of the four gates well.”

Future Asset headquarters is in Euljiro. The roads were congested because it was busy. The skill of Kim Woon-taek (assistant manager) who managed to find a road that was not congested stood out.

“Time flies. It’s already been a few years since I last met you, sir, and today I get to meet the chairman of a financial company alone. You’re truly amazing. I have to meet my wife alone later.”

I kept nagging.

“I was already in a bad mood, but luckily you gave me this wonderful gift and I was able to survive. Thank you, CEO.”

“Manager, are you a Cartier too?”

Suddenly, a manager intervened. Their eyes met in the rearview mirror. A chilling wind blew inside the car.

No one said a word until we arrived.

“Then I will wait.”

In front of Future Asset headquarters. The car that dropped me, Director Han, and Lee Jong-suk off turned into an alley. Director Han silently wiped away his tears.

Arrived at the chairman’s office.

“Welcome, CEO Kang Si-Hyeon.”

It was a spacious table. Chairman Do Hyeon-tae, who was sitting in the middle with the executives, ran out to greet me.

We also sat down.

I glanced at Lee Jong-suk’s expression. It was a meeting with the chairman of the company he had once worked for, even if it was no longer the case. His expression was deeply moved.

I opened my mouth first.

“First of all, I would like to thank everyone who responded positively to the ‘Cocoa Bank Consortium.’”

“First of all, we would like to thank you for giving us this great opportunity, Mr. Kang.”

Chairman Do responded.

“I think there’s a face I recognize. Mr. Lee Jong-seok, right? It’s been a while. This is Do Hyun-tae.”

“I’m Lee Jong-seok. Nice to meet you, Chairman.”

There is no way Chairman Do would remember Lee Jong-seok’s face. It’s like a division commander not remembering the faces of his soldiers. The secretary’s office gave him the information in advance. It’s an action to seize the initiative.

So Lee Jong-seok’s voice also became stiff. Chairman Do’s eyes went up. He didn’t get much out of it.

The real story began. Chairman Do opened his mouth.

“We will invest half. 50%. Anything less is difficult. We are hoping to get a decision today. The sooner the better, because we want to meet the preliminary approval deadline.”

It was already as if he was leading the consortium.

It was impossible.

50%? You want to put that much money into my business? I can’t allow it even if it makes me sick.

I took my lips off.

“This is a business started by our cocoa. So we have to spend more money.”

“But isn’t there a law?”

“How about this? Let’s form a strategic partnership between Future Asset and Cocoa. We will swap shares of Cocoa Labs and Future Asset Financial Group.”

Suddenly? Chairman Do’s brow furrowed at my suggestion.

“It’s a good idea, but how······.”

“I will transfer 5% of Cocoa Labs shares to Future Asset. In return, please give me 50% of Future Asset shares.”

Everyone was in an uproar. The most surprised was Chairman Do.

“50%?”

He flared his nostrils as if he was saying something ridiculous. Lee Jong-suk intervened.

“The market value of our 5% stake in Cocoa Labs is well over 500 billion won, Chairman Do Hyun-tae.”

“······.”

“And, Future Asset’s market cap is around 1 trillion. So, if we exchange, it would be right to give 50%.”

Chairman Do glared at Lee Jong-seok. Lee Jong-seok crossed his arms.

“That’s nonsense.”

“So we also say it’s ridiculous. 50%? This is the bank of our cocoa that we are creating.”

The tense fight has passed.

There was silence.

Chairman Do’s breathing, which had been rasping, subsided. After asking for understanding, he quietly exchanged a few words with the staff.

“Then what should we do?”

It was a calm voice. I answered.

“10%.”

“yes?”

“We have 10%, so Future Asset has 10% too. Anything more than that is impossible.”

“Then how about the composition of the participating companies······.”

The underlying meaning was that they were collecting 10% each and asking when they would finish organizing it. I shook my head.

“I’ll take care of it. Any objections?”

There was no answer.

I stood up. Our group stood up at the same time. Finally, I handed over an envelope.

“What is that?”

Chairman Do asked. He looked displeased.

“This is a movie that will be released during this Lunar New Year. I put in a lot of tickets for the employees to see.”

I left the main gate of Future Asset headquarters.

“How are you feeling?”

“I feel like I’m flying.”

A victorious expression appeared on Lee Jong-suk’s face. His voice was light.

“So what’s your next destination?”

Reporter Kim Woon-taek arrived and was waiting.

“I will take care of it, CEO Kang Si-Hyeon. As I said before, the area inside Sadamun is like my territory.”

He answered coolly.

It was a tough schedule, having to stop at more than 10 places. If you add 10 times 10, it’s 100. It was simple math.

Today was supposed to be a long day.

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