what a joke. my ex-col post it as her blog.

The closer you get to achieving what you want, the more you want to give it up, but the harder you want to Fight on! Until... you finally can't take it anymore...


I received an email from an ex-colleague and this is what it says...

**********
Guess you should be surprise with this mail. Just wanted to say a few words as follows :

- Really sorry for missing out on saying goodbye officially on your last day. Sincerely didn’t realise it and truly need to apologise for it;


- On the same topic, again I need to apologise for my “behavior”. Well you might not realise it fully at your young age, my behaviour of being so cold was purely to help you expedite certain decision making. I believe your passion and talents which are aplenty lie somewhere else. Really I can see that and our line of work is not your cuppa. Hope you understand and realise all that I wanted to achieve was for you to make an early decision. No point wasting your talent doing something that you have no heart of.

Our team is going through the necessary pains. A lot of potential that is yet to be harnessed. I am trying to help Yeonzon to build up a well-oiled and dedicated team in the shortest possible time. Remember I mentioned about a tight time line? Well, it could be nearing and I have not the luxury of time. Yeonzon is a very liberal guy and we should not take it for granted. With such freedom, one should in fact capitalize on it and build up our competencies. I am also looking to help build TEAMWORK into us and sadly, we still have some way to go.

Never mind the negative stuff. With the new year just around the corner, I would like to take this opportunity to wish you and family a Happy Chinese New Year. May the new year bring you and family tonnes of joy, love and happiness. Wish you the best on your endeavours and I am sure you will be able to go very far given your talent.
******




Sometimes it makes me wonder, after putting me through that shit for six damn months... Leaving me with absolutely nothing to do, after not talking to me even though I sit right next to you all these while, you think an email sent through another colleague just because you were too much of a coward to send it through your own email is going to be enough?


You know, I would have given it MY ALL if I was given the chance... I would have left IF you told me that was what you wanted.. Because I would not have sat there and waited for 12 hours everyday for the past 6 months... Hoping, waiting for a change... I would not have bought in his idea that I have to endure... Even when I handed my resignation letter he said


" Yuhwen, sometimes we must have some patience...."


You know what.... At the end of the day, you got what you wanted... I left AT LAST.. Well done man! And I didn't leave because I wasn't competent, I left because WE WERE.... Above everything (Boss & Junior, Colleagues) ... FRIENDS...
I left because I couldn't take the cold shoulder.. I left because I was hurt... I left because you wouldn't give me a chance because you were dead set I wasn't into it...


I am not angry because I left, I am angry because you could have just TOLD ME? I am angry because you wanted to see me come in everyday and suffer the boredom, the pain of being ignored, the tension in the office, the begging I had to do, the pretense of the rest... I am angry because you wanted to watch my spirit die so slowly, to see that I have chosen to give up, to take away my pride and not even give me ONE bit of medicine to soothe my pain.


So no... you are not forgiven, because I am hurt that even after reading this email for the 20th time... I am still crying. You are not forgiven because you were a friend. Congratulations though, you did achieve what you wanted to do. A strategist indeed!

From:
Sent: Thursday, March 04, 2010 10:58 AM
To:
Subject: @#$@#

Wise man never busy, busy man never wise. Lin Yutang, 20^th century philosopher

I ask u nicely and I don’t shout at you so pls don’t give me the crap that u are busy. I know you are fucking busy, so is everyone else.

All this while I tried my best not to trouble you and Zan unlike many of us in the office. I tried my fucking best to do it on my own all the stuff that u r suppose to help me.

SO don’t tell me you are busy when I ask you one freaking simple question which requires only a few second to answer.

I thought I could reason and be nice to you. But “They” were right. You are one crazy woman.

Its just one tiny simple question “Is Nuar busy or not?” that I don’t require you to do anything for me.

Manchester United - the song

Top Gear Gets Attacked by Rednecks

New bridge, a leading model for investment

Is fun to become a banking analyst in town. Yeah, I agree writing report is torture. but, when u suddenly find out an interesting company, then u know u learned. Thats a part of excitement as an analyst. Am so excited the success story of New Bridge in Korean First Bank. Why Malaysia dont have such an successful bank, hmm .. "may be the limitation of talents or ambitious" or "or too much political control". either way, the problems going to solve soon, because BNM has just started its deregulation practices. Put away my complaints about Malaysia environment, Now am only interested to diversify my investment risks which I learned from Korean First Bank.

New Bridge success story in Korea.
A miracle achievement. When New Bridge bought over a 51% controlling stake, its assets were KRW 26.8t and its loan to clients was only 44% or KRW11.8t. The worse than expected level was the result of the Asian financial crisis and was asymmetrical to Korea First Bank’s capital and human structure. With the change in management, the banks had aggressively sett its goal of: 1. Total assets of KRW40t with KWR25t loan to client and 2. 25% ROE before tax return to shareholders. All the targets were reached in 2004 before the divestment of its stake to Standard & Chartered.
A remarkable safe and growth model. The remarkable growth in assets where, as at end 2004, Korea First Bank surpassed its goal of reaching KRW 42t and loans of KRW31t. The CAGR growth over five year was 38% and Korean First Bank became the fastest growing bank (both in consumer and corporations) in 2002, 2003 and 2004 in Korea. While there was a remarkable growth in assets, the bank still held a flat staff level aided by the support of optimizing processes (likes, centralisation, automation and rationalization). The best measure of the success in productivity per employee was loan to client per employee, from KRW2.6b/staff in year 2001 to KRW7.8b/staff in year 2004, from the last place to the leading group among Korean banks.
As, growth increases risk, in particular competition is strong and economy at accelerated cycle. However, this is not the case at Korea First Bank. The bank’s growth came not from few large credits but came instead from hundreds of thousands of small loan; hence, the risk is not concentrated. The bank has avoided the credit card crisis which happened in early 2004, where LG Card had to be bailed out. The successful risk diversification strategy enabled the bank’s NPL ratio to consistently remain at 1.5% since 2001.
Its strong credit culture wis also thanks to its strict centralized credit decision process where decision are channelled through either one of two departments focussed on corporate loans d orconsumer loans: The corporate loans applies advanced risk analysis which allows them to avoid troubled SME loans as well as large corporate loan defaults. The consumer loans go though a screening process where there is an emphasis in statistical risk for the consumer market with the use of advanced modelling methodologies (which helped Korean First Bank to have the lowest default rate in credit cards and consumer loans.

The milestones of achievement
A market share in mortgage lending that grew from 1.5% to 11.7% in three years
The capability to process 15,000 mortgages per month without an increase in staff level
Consumer risk level that has consistently remained the lowest in Korea, thanks to the art risk models and processes
Renovated network and state of the art private banking business
Modern and centralized collection system
Increase in SME loans of 26.3% in 2004

In investment theory, it is important to diversify your risks. It is not a policy to favour return, instead, it is a policy to increase asset qualities. while the modern investment concept hardly to quantify asset quality, then, put your money into thousand of small invesment was not a bad choice.

The nature of Freedom

Freedom is not fun. It is not the same as individual happiness, nor is it security or peace or progress. It is a responsible choice. Freedom is not so much a right as a duty. Real freedom is not freedom from something; that would be license. It is freedom to choose between doing or not doing something, to act one way another, to hold one belief or the opposite. It is not "fun" but the heaviest burden laid on man: to decide his own individual conduct as well as the conduct society and to be responsible for both decisions.

Question: Do we really undertand what freedom is?

Please execute

During my uni times, am involved what we call a Senior year projects. It was an idea from lecturer which try to encourage students participate in education based activities. The project which is expected to be benefited the up coming graduate students. They will get an rough ideas about the job markets. As a Vice President, I remain focus on execution rather than ideas generating. Reponsibility have been devided to difference group of people to launch their projects on weekly basis. Any group which miss out their deadlines is a responsibility for the whole team. This how i trained up team works. I would say the project is successful and we have the very best regards from Dean and lecturers.

The successful of the project is from two words, THE EXECUTION. We dont really have an written proposals or routine meetings, but, what we have are the determination to execute. We dont walk the talk or talk the walk, but we worked out thought. thats why we success. The batch before us, came out with 50pages report, but nothing had implemented. The main reasons why they failed is they have too much innovative ideas. By the time they finished up the completed proposal, final exam is one months ahead of them. haha... sometimes quite fun to see people failed.

After reading my boring Uni life, now we have to back to reality. Look at our hopeless government, they have a lot of great dreams but too little to execute. May be they dont know how to execute as well. I have enough patient to our governement and Mr PM Please learn up and grow. Dont wasting our time because of your stupidility.

Ah... forget to tell you, the batch before mine is a full team of our malay friends.

Questions?

Finally, my dream come true. Now I a have personal blogger. While this blog definitely will be a lot of questioning and arguing.... During my uni life, one of the most well respected lecturer always questioning the financial and economic questions to the students. However, all the questions he asked he had never have the answers. Some how I really dont understand why he did it. Why, Sir, why you always asking us questions without giving us the answer we needed?

One day after I graduate from my uni, I realised there is no answer in my life. All the problems have been facing, there is no what we call the best solution -- the answer. Finally, i get what you mean. Sir, you are right. the world is drive by questions not the answer. Questioning is the best driver to create interest for ourself. and interest is a crucial criteria to motivate us. it will drive us to the a successful career path.

Thanks, Sir. I learned the hardest lesson you taught me. Education for me is successful during my 3 years uni life. I'll keep this sentence in my heart. "The best answer for the question will spend the whole life for you to find out."

Now i like to question, they make me to have deeper understanding. As I involve myself in this financial industry, i start to believe there is no formula in this line. I try to question more and sorting with answers... then further questioning my asnwer get a better answers. The process will not end, but, the progress bring me to a better place. Now, i still believe.