Tokyo, 1991: Starting as a bank clerk

Chapter 52 8 million! ? ?

6:28.

A taxi sped through the rain and braked sharply in front of the Mitsubishi Bank Osaka branch.

The car door opened.

Kiryu Yaya got out of the car first, opening a long black umbrella and protecting his briefcase with his other hand.

Immediately afterward, Akio Uesugi staggered off the back seat, his suit mostly soaked, his face pale, seemingly still recovering from the shock.

The two walked into the bank almost in the rain.

The business hall on the first floor has closed to customers, with only staff on duty and a few internal staff working overtime remaining.

The moment the glass door closed, the muffled thud of the torrential rain hitting the door outside was finally isolated.

Just as the security guard was about to step forward to ask questions, Kiryu Yaya had already shown his employee ID.

"Financing Review Section, Urgent Internal Case"

He speaks quickly, but his speech is clear and organized.

"This is Mr. Akio Uesugi, the section chief of the accounting department of the Miyazawa Group."

The security guard was taken aback.

Miyazawa Group.

In Osaka's financial circles, this name carries enough weight that no one dares to underestimate it.

"Please, please come in."

Three minutes later.

The entrance to the financing review class on the third floor.

As soon as Chihaya Yuri turned around from the photocopier, she saw Kiryu Yaya, who was covered in sweat, and Uesugi Akio, who looked like a sick person next to him.

Her gaze first fell on Kiryu Yaya's suit shoulder line, which was half wet, and then on his briefcase, which was noticeably bulging more than usual. Her brows immediately furrowed.

"Kiryu-kun?"

"Chihaya, the section chief."

Kiryu Yaya did not exchange pleasantries.

"Emergency situation, need to borrow the conference table for five minutes."

Chihaya Yuri glanced at him for a second.

She rarely saw Kiryu Yaya like this.

It wasn't the usual composed politeness, nor the tense demeanor of a newcomer feigning calm in the face of trouble.

Rather, it is a kind of sharp calmness that arises only after the situation has been confirmed to be out of control.

"Come inside."

She immediately turned around and led the two into a small meeting area inside the financing review department.

Several employees near the corridor subconsciously looked up.

Someone noticed Akio Uesugi's soaked trouser legs and pale face, as well as Yaya Kiryu's tightly clutched briefcase, and the voices in the office immediately dropped.

Beside the conference table.

Kiryu Yaya put down his briefcase, unfastened the clasp, and took out two ledgers.

A clear and transparent account.

A secret ledger.

The sound of the ledger falling on the table was not loud.

But to Chihaya Yuri, it sounded like something had crashed down on her.

"This is……"

"Two accounts of Rokko Golf's development."

Kiryu Yaya's words immediately changed Chihaya Yuri's expression.

She immediately looked at Akio Uesugi.

Akio Uesugi took a deep breath and lowered his head, saying:

"I am Akio Uesugi, the section chief of the accounting department at the Miyazawa Group. These two sets of books... are genuine."

Chihaya Yuri didn't ask any more questions and simply pulled out the nearest chair.

"Kiryu, take a look first."

"it is good."

For the next three minutes, the small meeting area of ​​the financing review department was so quiet that only the sound of turning pages could be heard.

Wow.

Wow.

Wow.

Kiryu Yaya was practically sweeping.

With his left hand pressing down the visible pages and his right hand flipping through the hidden ones, his gaze sliced ​​through the pages like a knife cutting through the calm surface of the paper, revealing all the numbers that had been deliberately buried underneath.

The account book reads:

Financing for the Rokko Golf Development Project: 5.56 billion yen.

The group's internal short-term replacement was recorded at 1.2 billion.

Member prepayment refund preparation, 320 million.

Overdue interest will be accrued normally.

On the surface, although it looks bad, it still barely falls into the category of "project deterioration and waiting for extension".

But the dark curtains are not.

On the first page of the secret ledger, the numbers annotated in red pen were already completely different.

Unrecorded short-term loans: 840 million.

Accounts payable withholding to avoid provision: 610 million.

Member refund requests are insufficient: 970 million.

Miyazawa Tourism Development advanced interest and covered the cash shortfall: 1.2 billion was not fully recorded, with 530 million hidden under the "prepaid construction costs" item.

Turn the page to the next page.

There are also cross-guarantee clauses that were deliberately omitted from the explanatory materials of Sumitomo Bank.

There was also a handwritten appendix, which clearly stated—

After Rokko Golf Development ran out of funds, it took over some of the maturing debts under the name of Miyazawa Tourism Development to avoid triggering the development period review.

The Miyazawa tourism development is one of the core borrowers in Mitsubishi Bank's 8 billion yen credit line.

Kiryu Yaya stopped scrolling when he got to this point.

Chihaya Yuri immediately asked:

"What did you see?"

Kiryu Yaya looked up and spoke very quickly:

"Rokka's true debt has been deliberately underestimated, by at least two billion yen."

"And it's not just a simple oversight."

"They hid the real funding gap in other accounts by recording accounts payable, making false advance payments for projects, breaking up internal advances, and delaying the accrual of member return provisions."

Chihaya Yuri's face darkened.

"Over two billion?"

"A conservative estimate."

Kiryu Yaya flipped the dark book to the middle page and pushed it directly in front of her.

"The real problem isn't Rokko itself."

"It's a tourism development project in Miyazawa."

"After Rokko ran out of money, Miyazawahara used tourism development to inject funds into it. The loss was not just the 1.2 billion yen in the account, but the 1.2 billion yen in open funds plus a shortfall of more than 500 million yen in hidden funds, plus interest payments and loan extensions."

"In other words, Rokko is dragging tourism development down with it."

"Our Mitsubishi Bank has a debt of 8 billion yen to this tourism development project."

Chihaya Yuri's gaze swept down the lines of numbers, and her breathing became noticeably heavier.

Miyazawa tourism development.

Mitsubishi Bank.

Eight billion.

These words instantly connected in her mind.

Akio Uesugi added in a low voice from the side:

"Executive Director... Executive Director Miyazawahara kept asking the accounting department to postpone Rokko's deficit, saying that as long as the extension with Sumitomo Bank was completed, the cash flow could be restored."

"But that's not the case."

"Rokuga has lost its ability to generate its own revenue. For every month it survives, the other companies in the group will bleed even more."

Kiryu Yaya picked up the conversation:

"If the Miyazawa tourism development is dragged down, the eight billion yen credit line that Mitsubishi Bank currently holds will not be a high-quality project debt."

"But rather, it could deteriorate rapidly due to large amounts of problematic debt."

"If there are also issues of pledged shares and cross-guarantees involving the main family—"

He lowered his voice slightly as he said this.

"Then it's not just a matter of the Rokko project failing."

"Our Mitsubishi Bank is very likely to lose everything."

Chihaya Yuri fell completely silent.

She simply stood by the conference table, looking at the two ledgers on it.

The rain outside was even louder.

The entire financing review team is still working overtime, with the sounds of phones ringing and papers rustling in and out.

But in this small meeting area, the atmosphere had completely changed.

A few seconds later.

Chihaya Yuri abruptly closed the curtains.

"Mr. Uesugi, who else looked at these two ledgers before they were brought out?"

"Only I, and... the chairman must have seen part of the compiled version before his death."

"Did Miyazawa know you took it out?"

Akio Uesugi's lips moved slightly.

"Know."

"His men have already gone to intercept you?"

"……yes."

Chihaya Yuri's gaze darkened.

There's no room for ambiguity now.

This is a high-risk event where the person involved, armed with real ledgers, braved the rain to chase after the bank.

She turned and left.

"Kiryu, don't touch the account book or Mr. Uesugi."

"Yes."

"Don't give it to anyone who comes."

"clear."

Chihaya Yuri, wearing high heels, almost jogged through the financing review section and headed straight for the section chief's office.

Many people in the office looked up.

Some people had never seen Section Chief Chihaya lose her composure like this.

There was a knock on the door.

"Section Chief."

"Enter."

When Yamada Masakazu looked up, he saw that Chihaya Yuri's expression was unusually serious.

"What's wrong?"

Chihaya Yuri placed the two pages of shorthand notes on his desk, her voice extremely low, yet every word was spoken with utmost seriousness:

"Something has happened to the Miyazawa Group."