A HSBC employee

How does it feel?

Frankly, awed, happy, proud.

What a prestigious employer. So much stuff I’ve learned and picked up.

Not just the banking products and services, loan and overdraft facilities, credit cards, time deposits, current accounts/multi-currencies, premier banking services, traveler privileges etcetc.

This job has also sobered me, it reflects the life and society we’re living in nowadays.

We have two spectrums, those who have it and those who don’t. Frankly speaking for many of us who don’t have it (as of now) we’re constantly stuck in this rat race of keeping up with costs, loans, mortgages. But also being a banker I’ve seen & accessed multiple accounts there is a picture drawn of financial mismanagement in our lives.

Many of us complain & moan of not having enough cash, not having enough of this & that. But in reality, are we really able to control ourselves? To rein in our spending and managing what we have? Granted, we are human and there are always wants and desires in our lives:

That nice bag, that beautiful car, the dream home, the perfect holiday.

All of it needs cash, no two ways about it. Many times we need to learn to discipline ourselves and plan carefully how we are going to get it, at the same time also we need to segregate the ‘wants’ and ‘needs’ and prioritze carefully.

How many have run into bad debts cause of credit card bills? HSBC interest rates are at 24% I can safely say.

How many have ran into serious debts cause of extended loans, abuse of line-of-credit and other credit facilities? The collections department in HSBC are amongst the most active divisions on the floor, and repossession with auctioning off valuables is not a joking matter. Many times people demonize the bank and the employees, calling us coldhearted.

But banks have to be that way, have those of us who’ve taken on loans without considering the consequences should things go bad? How many families have been torn apart thanks to money problems? If banks are so charitable everytime, they’ll cease to exist, and all financial integrity in society would be lost. Anarchy and chaos will follow with the subsequent economic collapse. Why? there is no more secure guarantor of resources once the banks go.

Luke 14:28-29

New King James Version (NKJV)
28 For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it— 29 lest, after he has laid the foundation, and is not able to finish, all who see it begin to mock him,

Bluntly put, we’re architects of our own situation, we have to face reality and learn our lessons.

Yep, not all gloom and doom though. I’ve also seen the fruits for those who’ve properly planned their finances in their youth and are enjoying in their maturity.

Privileges, perks, strong and stable incomes with the focus on providing and making a difference in society without fear of where their next check’s gonna come from, yep, money is not the ‘be all end all’ though it comes pretty close.

How many influential figures in society are millionaires/billionaires?

How many important figures are known for their financial savvy? You get the picture

Maybe for most of us, our desire is just to simply build and lead simple lives of provision for our families, a safe secure future for our children, financial freedom for ourselves. All of it depends on our decisions now, what to save for, how to invest, what to spend on etcetera.

Or there are those of us whom desire to be great, to wield tremendous influence and do wondrous things and shape society. Of course financial planning and knowledge is a must. One of the first indicators of a person’s credibility would be: is he good with his own finances? If you can’t provide or feed yourself and your family, what assurance do others get that you can lead and influence them?

That’s why personally, Christians whom desire to be poor have misunderstood the parable of being poor, being smart with finances enables abundance and prosperity, and through that, the gospel can be funded. A person’s character can also be seen by how he manages his bank account. No kidding

Finally, through this job I’ve finally understood the parable of the three servants, and also of being a good ‘steward’. Of our money, of our resources. On one hand with proper management of resources and the shrewdness and knowledge to grow them, God can safely entrust more into our hands. To the contrary, if we squander and waste everything that comes into our hands, splurge on all our desires at once, do you think God will entrust those riches to us? We know the answer.

Bring this a little closer to home, would you rather put your money in a bank/financial institution with dodgy practices? Or one with little sense of security? Or one with a track record of prudence and stewardship over your hard-earned money? HSBC has gained its’ reputation through decades of hard work, preserving it’s good name with sound financial practices, a conservative approach to managing risk and avoiding ‘dodgy’ schemes and customers. As an employee I can tell you we’ve stringent checks of customers’ who deposit assets with us. They won’t consider someone without a clear explanation of what their funds are headed to, the purpose of its’ use and their origin. Even if its’ as large as millions-billions. Integrity and ethics weigh far more than profits alone.

We can have financial prosperity, but it comes to those whom are prudent, and are good stewards over what they’re entrusted with.

Matthew 25:21

New King James Version (NKJV)

21 His lord said to him, ‘Well done, good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your lord.

I thank God for this HSBC Job, nowhere else would I learn to be financially prudent and mature