Tokyo, 1991: Starting as a bank clerk

Chapter 173 Kiryu Yaya's Strategic Vision [First Update, Requesting Monthly Tickets]

The semi-transparent information panel unfolds silently in view.

[Target: Shinnosuke Ito]

Age: 52

[Position: Representative Director and President of Fushimi Seiko Co., Ltd.]

【assets:】

"1. Mitsubishi Bank Kyoto Branch general deposit: approximately 420 million yen]

2. Kyoto Bank general deposit: approximately 180 million yen

3. Kyoto Credit Union General Advance: Approximately 90 yen

4. My own residence (Fushimi Ward, Kyoto City): appraised value approximately 35 million yen.

5. One investment apartment under my name (Minami Ward, Kyoto City): appraised value approximately 28 million yen.

6. Anonymous account at UBS (UK Bank): 1.87 million yen

7. Gold bars in stock, approximately 22kg: 3850 million yen

[Hidden Assets:]

"1. A piece of land in Amagasaki City, Hyogo Prefecture (held in a nominee's name under his brother-in-law's name): appraised value of approximately 62 million yen."

"2. Two investment apartments in Kita-ku, Osaka (held in a nominee's name by an asset management company): appraised value approximately 1.48 million yen."

Total assets: Approximately 2.95 million yen

[Liabilities:]

"1. Kyoto Bank·Short-term borrowing: 1.8 million yen"

「2.アコ·Consumer Finance: 4200 million yen」

「3.ロミス・Consumer Finance: 2800 million yen]

"4. Takefuji·Consumer Finance: 1500 million yen"

5. Related Company Off-Balance Sheet Borrowings: 9600 million yen

6. Notes payable to suppliers (discounted but not yet due): 2300 million yen

Total liabilities: approximately 10.185 billion yen

Net assets: Approximately -89.1 million yen

[Inventory Data Anomaly Alert:]

"Company's cash on hand: 820 million yen"

Actual inventory: less than 2 million yen

"Difference: Approximately 6 million yen of inventory has been transferred to an affiliated warehouse, and an extension application has been made using fictitious inventory."

[Loan Application Abnormality Notice:]

"Currently applying for a 1.5 million yen equipment loan from Mitsubishi Bank."

"Reason for application: Increased production capacity and orders following equipment upgrades"

Actual situation: Major clients have reduced orders, cash flow remains negative, and inventory is severely overstated.

"The true purpose of the loans: to repay old debts with new ones and fill the gaps in consumer finance and off-balance-sheet lending."

"Bank review status: Not approved, still under review." Kiryu Yaya's pupils contracted almost imperceptibly.

Good guy.

The book inventory is 820 million, but the actual inventory is less than 200 million.

The 600 million yen worth of goods either got transferred away or never existed at all.

Applying for loan extensions by falsely reporting inventory is a typical loan fraud tactic.

The main financing bank turned out to be the Kyoto branch of Mitsubishi Bank.

The phone call at the next table was still going on.

"I know, I know—but at this critical juncture, if the extension isn't approved, the company won't be able to hold on next month—"

"—You keep things stable over there for me first, I'll figure something out on this side—"

"————Okay, that's settled then."

The phone hangs up.

Shinnosuke Ito put his phone back in his briefcase, picked up the cold tea in front of him and drank it all in one gulp. Then he picked up the bill, got up and left the teahouse.

Throughout the entire ordeal, he never looked at the four people at the next table.

Kiryu Yaya's gaze followed his retreating figure until the gray silhouette disappeared beyond the noren curtain.

"senior?"

Kiryu Yaya withdrew his gaze, picked up the glass, and took another sip of cold brewed tea.

Did you hear what that person said on the phone just now?

Kenta Sasaki nodded, his expression somewhat grave: "I heard that. What goods were transferred, the evaluation report—something doesn't sound right."

Kishou Arima adjusted his glasses: "He's the president of Fushimi Seiko. It's printed on his briefcase."

"You saw it too?"

"Um.

""

Mizuna Yayoi blinked, somewhat uneasy. "Then, what should we do? Should we contact Mitsubishi Bank in Kyoto? But—what if we just misheard, or he's just bragging—"

Kenta Sasaki frowned as well: "Yeah, what if the information is fake? We're not familiar with the Kyoto branch. If we call them rashly, they might not take it seriously and might think we're meddling."

Just then, a semi-transparent interface popped up in front of Kiryu Yaya's eyes.

[New life options have been triggered]

[You overheard a suspicious phone call from Shinnosuke Ito, president of Fushimi Seiko, at a teahouse in Arashiyama, and through a banker's eye, you confirmed that the company had serious problems with falsified inventory and hidden liabilities.]

At this moment, you have three choices.

[Fork in the road 1: Remain silent. This is not your jurisdiction; interfering rashly may be seen as overstepping your bounds, and could even provoke the Kyoto branch.]

(Reward: Bank deposit increased by 3 yen)

[Branch 2: Submitting leads about Fushimi Seiko's problems to the Kyoto branch anonymously through the bank's internal system, without revealing one's identity.]

(Reward: Bank deposit increased by 5 yen)

[Branch 3: Proactively contact the financing department of Mitsubishi Bank's Kyoto branch, identify yourself as an employee of the financing review department of the Osaka branch, and inform them of the suspicious information you have heard and the doubts you have made, suggesting that Fushimi Seiko's inventory and hidden liabilities be re-verified.]

(Reward: Bank deposit increased by 10 yen)

Kiryu Yaya's gaze swept over the three options.

I don't feel there's much difference.

Let's choose the one with the highest reward.

Kiryu Yaya put down his glass, glanced at the three of them, and said calmly but seriously, "This call must be made."

Kenta Sasaki frowned: "But..."

Kiryu Yaya interrupted him: "Although Kyoto is not our jurisdiction, interfering rashly may be seen as overstepping our bounds. The people at the Kyoto branch may not appreciate it, and may even think that we are meddling in other people's business."

He paused.

"But if Fushimi Seiko really has issues with falsified inventory and hidden liabilities, and we remain silent knowingly, then once this extension is approved and becomes a bad debt, it will not only harm the Kyoto branch, but also the entire Mitsubishi Bank."

"The bank is a whole."

"The bad debts issued by the Kyoto branch today could affect the entire bank's credit policy and risk reserves tomorrow."

Even our bonuses and promotions.

Kenta Sasaki opened his mouth, then closed it again.

These words demonstrate a high level of insight and strategic vision.

Kiryu Yaya looked at the three of them and suddenly laughed, "Of course, the most important thing is that even if they don't appreciate it, we won't lose anything by making this call. But if the Kyoto branch finds out that they refused the loan, they might contact the head office to commend us."

After Kiryu Yaya finished speaking, there was a moment of silence on the table.

Kenta Sasaki suddenly realized, "Kiryu, you're so smart! Yeah, there's no harm in fighting, and what if we actually get commended by headquarters? That would be so prestigious."

Mizuna Yayoi looked quietly at Yaya Kiryu and nodded gently: "Senpai is right. The bank is a whole."

"Moreover—if that person is indeed committing loan fraud, it's not just the banks that will suffer, but also the honest businesses that operate without a license. That's unfair to them."