CHAPTER 51: DEAL (4)

Adam thought Even if one million dollars are being collected in one click it may take a lot of time for him to collect a trillion. A whole month might pass.

In the beginning Adam had thought that it would not be very difficult. But now he was realizing that he would have to wait a little longer to buy all those things.

Just then Adam saw that the time had come for him to wake up. He stood up and started cooking. After doing his necessary work in a little while Sophia was also drying her clothes on the balcony.

She was looking at the balcony on the west side.

She was still remembering Monty’s words. She wanted to talk to Adam. But again and again the same thoughts were coming to her mind. She did not want to do any strange act towards Adam because of this thought.

She let out a deep sigh. She said in a low voice "I should probably talk to Adam." At that very moment she heard Adam’s voice from Adam’s balcony. He was saying "Wait I’m opening the gate now."

Sophia thought Who can come to Adam’s house at this time? Then she remembered Monty’s words. When Monty had said that Adam was still young. And any girl could come into his life. And if that happened Sophia’s chances with Adam could become very slim.

Thinking this Sophia shook her head.

"No it’s not like that," she said to herself. "You are thinking too much." But she immediately put her clothes aside and ran out. She slowly opened the gate and tried to see who was at Sophia’s gate. But she was too late. Because the person had already gone inside.

Sophia was very surprised. She closed the gate and thought What if it’s a girl? Sophia tried her best to refuse her own thoughts. But she could not do it.

On the other hand Smith came to Adam’s flat. Adam took him inside. "So tell me what’s the important work?" he asked.

Smith said "Director I have thought of a very good idea. Are you ready to hear it?" Adam was still making breakfast.

"I’m doing my work," Adam said. "You keep talking."

Smith said "You had said that you want to take your bank to the top 10 banks. I can guarantee you that your bank can come in the first number in our country."

Hearing this Adam who was cooking stopped immediately. He looked at Smith very seriously. "How?" he asked.

After hearing Adam’s words Smith said "Director usually all banks now give interest rate to common people after keeping their money in their bank. Per year. Which is at most four or five percent. And at most 6%. Even on fixed deposit it is this much. If you are ready to spend a little from your side then we can give 8% interest per year."

Adam raised his hand. He stopped Smith in the middle. "No," he said. "Not per year. Do it per month. 8%."

Hearing this Smith immediately stood up. He looked at Adam. "Our bank won’t run like this," he said.

"I will provide the funding," Adam said. "Make it 8% per month."

Smith was very surprised to hear this. "Then you don’t need to wait for 6 months," he said. "In just four or five months your bank will become the first and number one bank in this entire country."

Adam liked Smith’s idea a lot. Because Adam had unlimited money. He could give as much money as he wanted.

"There are both advantages and disadvantages to this step of yours," Smith said. "The advantage is that everyone will be dependent on you. Even the government can be dependent on you if this idea of yours works. The second thing is that people will start trusting you and your brand a lot. Some of the downsides of this are that big banks and financial institutions which are not in our country are located outside our country can target this bank."

Adam smiled. "For now do as I say," he said. "Make it 8% per month."

Smith was silent for a few seconds. "You probably have no idea how much money will be needed in this," he said.

Adam looked at him. "Smith you don’t worry about money," he said. "You just have to worry about how you will make it the best bank in this country. In this month. The worry of money is mine."

Smith was a little surprised to see that his teacher himself lived in an apartment that was very bad. Compared to the money his teacher was giving.

"Andrew sir told me that you are keeping the reserve in gold," Smith said. "Can I say something to you?" After hearing this Adam nodded his head.

"Director," Smith said, his voice earnest, "you should only keep 30% of the total amount—that is, of the one billion dollars—in gold. Keep the rest in local currency."

Adam was a little surprised to hear this. He had been set on the idea of a massive gold reserve. "Why is that?" he asked.

Smith explained, "Because of your new plan. If we were giving an annual interest rate, keeping a large gold reserve would not have been a problem. But now that you are ready to give a monthly interest rate, we will need to keep a lot of liquid cash on hand to pay out the interest."

Adam understood the logic immediately.

He nodded his head.

"Okay," he said, "I will deposit one billion dollars into the bank every month. Initially, I will keep 30% in gold and 70% in regional currency. The next month, this will be cut down to 20% gold. And then the next month, only 10% will be in gold. After the fourth or fifth month, I will stop keeping gold reserves altogether."

Hearing this, Smith nodded his head in agreement.

Then, he smiled broadly.

"Director," he said, a spark of excitement in his eyes, "you don’t know what you are about to do. You are going to shake this whole world. I can already imagine how many people are going to have sleepless nights. And how much money so many people are about to lose."

Adam smiled back at his words. He knew what Smith meant. When someone gets money, what do they do? They spend it lavishly, trying to live a good lifestyle. But Adam had a completely different mindset. He was not going to spend this money according to his whims and fancies.

He wanted to build his influence all over the world. He wanted to gather the greatest power for himself, a power that only a few people in the world possessed.

These people remain hidden, but along with having the most money, they also have the most influence. People don’t know that they have the most money, but the decisions they make are applied all over the world.

Even inside the Empire, there are such people, about whom most people in the world don’t know. But everyone knows that there is someone out there, pulling the strings.

On the other side of the wall, Sophia was pacing in her room. She had changed her clothes but was still agitated. The worry on her face was clearly increasing.

She was convinced that a girl had been in Adam’s apartment. "I’ll just go over on the pretext of food," she said to herself, taking a deep breath. She opened her door and knocked on Adam’s.

Inside, Adam was in the kitchen cooking, while Smith was sitting on the floor, engrossed in some paperwork. When Adam heard the knock on the door, he went to open it. When he saw Sophia, he was very surprised. "Sophia," he said, "you’re here so early..."

Sophia blushed, hesitating a little. "I was just saying that since it’s Sunday, why don’t we..." As she was speaking, her eyes fell on Smith, who was sitting on the floor, writing something. She immediately recognized him. "Smith?" she exclaimed. "What are you doing with Adam?"

Smith also looked up at Sophia and said, "Teacher Sophia? What are you doing here?"

The three of them looked at each other, completely confused.