Tokyo, 1991: Starting as a bank clerk

Chapter 138 Masataka Wako [Nine Updates, Requesting Monthly Tickets]

Kiryu Yaya didn't hide anything and nodded: "The section chief told me this morning that Department Head Ogaki assigned me to be in charge independently."

Chihaya Yuri's brow twitched slightly. She placed her hands on her knees, maintaining the upright posture typical of a banker.

What do you think?

Kiryu Yaya paused for two seconds, carefully considering his words: "On paper, it's a very healthy case. The turnover is stable, the cash flow is normal, the collateral is sufficient, and there are no obvious financial abnormalities."

Chihaya Yuri looked at him without saying a word.

Kiryu Yaya knew what she was waiting for, so he continued, "But I feel like something's not right."

Chihaya Yuri tapped her knee lightly with her fingers: "So you've already decided to accept?"

"catch."

Kiryu Yaya did not hesitate.

Chihaya Yuri remained silent for a while.

Then she finally spoke: "This case, a 200 million yen equipment upgrade loan, even with the most routine review, requires on-site investigation, client interviews, confirmation of upstream and downstream relationships, and verification of collateral. It would take at least two weeks for one person to do all of this."

Kiryu Yaya nodded.

"So I hope you understand one thing."

Chihaya Yuri looked up at him: "Although you are in charge independently, you are not working on this case alone. Although Minister Ogaki has made some requests, if you need manpower, materials, or coordination with other departments, please let me know anytime."

Her tone was calm, but Kiryu Yaya sensed the weight behind her words.

In places like banks, the most brutal aspect of factional struggles is not who wins or loses, but whether anyone is willing to stand up for someone when they are pushed into the limelight.

Chihaya Yuri is telling him:

You are not alone.

"Thank you, Section Chief Chihaya."

Kiryu Yaya lowered his head.

Chihaya Yuri did not accept his thanks. She simply stood up, picked up the cup of tea that had gone cold, and glanced at him.

"Are we going to conduct an on-site investigation at Heguang Electronics this afternoon?"

"Yes."

"Go ahead then. Contact me immediately if you find anything."

"clear."

Chihaya Yuri nodded and turned to walk back to her seat.

Kiryu Yaya watched her retreating figure, a slight smile curving his lips. He then put the documents on the table into his briefcase and glanced at the clock on the wall.

1:20 PM.

It's time to go.

It takes about 40 minutes by train from the Osaka branch of Mitsubishi Bank to Sakai City.

It's impossible for Kiryu Yaya to have traveled that far on a motorcycle.

He transferred to the Hanwa Line at Tennoji Station and headed south.

The scenery outside the car window gradually transitioned from dense buildings to low-rise factories and warehouses.

Sakai City is an important industrial city in southern Osaka Prefecture and has been a manufacturing hub since ancient times.

From knives and textiles to today's electronic components, factories of all sizes are crammed into this land.

The train wasn't crowded. Kiryu Yaya sat by the window, opened his notebook, and went over the questions he would ask later.

Use of funds, equipment selection, customer orders, raw material procurement, accounts receivable collection cycle —

Each problem corresponds to a number on the report.

The tram stops at Sakai City Station.

Kiryu Yaya got off the train, walked out of the station, and walked south along a narrow street for about fifteen minutes.

The factory buildings of Heguang Electronics Industry came into view.

It was a two-story reinforced concrete building with light gray paint on the exterior. It didn't look new, but it was well-maintained.

The factory area is not large. Several small delivery trucks are parked at the gate, and some wooden pallets and empty boxes are piled up in the yard.

Kiryu Yaya stood at the entrance, glanced up at the sign that read "Wako Electronics Industry Co., Ltd.", and then stepped inside.

An old man poked his head out of the guardhouse, glanced at him, and, having probably been notified in advance, didn't ask any questions. He simply gestured towards the office building with his chin: "The president is on the second floor."

Kiryu thanked him, crossed the courtyard, and entered the office building.

The first floor is the production workshop, with the roller shutter door half open.

He glanced inside; the machines were running, and workers in blue overalls were moving between them, looking no different from any other small or medium-sized manufacturing enterprise.

The equipment on the production line wasn't new, but it was well maintained; there were no piles of raw materials or unfinished products on the floor.

At least on the surface, the factory is still operating normally.

Kiryu Yaya went up to the second floor.

At the end of the corridor was a room with a plaque that read "President's Office," and the door was open.

A man in his fifties was sitting behind a desk, wearing a dark blue work uniform, with gray hair that was neatly combed.

Upon seeing Kiryu Yaya appear at the door, he immediately stood up, a knowing smile spreading across his face.

"Kiryu-san from Mitsubishi Bank? Welcome, welcome."

He Guangzheng was also very powerful.

Kiryu Yaya bowed slightly: "President Kazumitsu, I apologize for disturbing you today."

"No, no, please have a seat."

Masataka Kazumitsu came out from behind the table and led Yaya Kiryu to sit down on the sofa.

Teacups and a teapot were already set on the table, and the tea was still steaming, so it was obviously prepared in advance.

Masataka Wamitsu personally poured him tea, then sat down opposite him, placing his hands on his knees with an almost respectful posture.

"Kiryu-san is so young and already working in auditing at Mitsubishi Bank, he's really young and promising."

"President Wako is too kind."

Kiryu Yaya bowed slightly, his smile perfectly timed.

Masataka Kazumitsu waved his hand, his tone carrying the obsequiousness typical of a small-to-medium-sized enterprise president facing a bank auditor: "We're more than grateful that Mitsubishi Bank is willing to approve a loan for a small factory like ours. Kiryu-san, feel free to ask any questions you may have, and I will answer them truthfully."

Kiryu Yaya didn't rush to ask questions, but instead picked up his teacup and took a sip.

The tea was at the perfect temperature, neither too hot nor too cold, and had a subtle aroma of sencha (steamed tea) on the palate.

He put down his teacup and his gaze fell on that well-maintained face.

And it was at this moment—

A thought suddenly occurred to him.

[The Banker's Eye], activated.

The semi-transparent interface unfolds silently in the field of vision, and rows of data appear like a tide.

【Wako Masataka】

Age: 55

[Position: Representative Director and President of Wako Electronics Co., Ltd.]

Annual salary: 1500 million yen (military service pay)

【assets:】

1. Kinki Osaka Bank general deposit: approximately 420 million yen

2. Sumitomo Bank standard deposit: approximately 180 million yen

3. Anonymous account at UBS (UK Bank): ¥218,000,000

4. Cayman Islands Investment Account (via BVI company): ¥95,000,000

"5. Borrowed funds from Wako Electronics Co., Ltd.: 86,000,000 yen"

「6.金条现货（大阪北区保管库）：18kg·31，500，000円」

7. Golf membership (Rokko and Ashiya locations): 14,500,000 yen

[Hidden Assets:]

"1. Own residence in Naka-ku, Sakai City, Osaka Prefecture (nominal owner, registered under Mitsuko's name): 68,000,000 yen"

"2. Two apartments in Nishinomiya City, Hyogo Prefecture (held in a nominee's name under his brother-in-law's name): 124,000,000 yen"

「3.东京资产整理研究会积分帐户：3，200积分（可兑换32，000，000円）」

Total assets: Approximately 6.094 billion yen

[Liabilities:]

"1. Kinki Osaka Bank - Business Fund Guarantee: ¥360,000,000"

"2. Sumitomo Bank Equipment Funding Guarantee: 100,000,000 yen"

"3. Yasui Co., Ltd. - Short-term loan: 150,000,000 yen"

"4. Tokyo Asset Management Research Association - Payment for Points Purchase: 8,000,000 yen"

"5. Nominee holder compensation payable for nominee real estate: ¥3,600,000"

6. Swiss account operating fee: ¥2,400,000

Total liabilities: Approximately 624 million yen

Net worth: Approximately 113 million yen

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