Tokyo, 1991: Starting as a bank clerk

Chapter 221 A valuation of 50 billion?!? (5k more chapters below)

Eleven o'clock.

Koudahiko departs from Tokyo Station and boards the "Hikari" Shinkansen.

He went through the whole thing in his mind again.

If the Miyazawa Group were to intervene in Linkong City, then a problem would arise.

Miyazawa Hara is already dead, so why is the Miyazawa Group selling off the land in Rinko City?

More importantly, to whom should the sale be made?

Miyazawa Hara's death has rendered all his plans over the past few years futile. Now, if the land in Rinko City changes hands, his advantage as the executive director of Mitsubishi Bank in acquiring Rinko City will be completely wiped out.

If he can't take Lingkong City.

How am I supposed to explain this to Mr. Takatsukasa? His plans to be promoted to director will be completely ruined.

Thinking of this, Kouyu Tianyan's face grew even more gloomy, as if it were about to drip water.

"Ox tail".

He suddenly spoke.

"Yes."

"Call headquarters and instruct the Osaka branch to send a letter; we also want to attend the meeting."

"yes!"

The Shinkansen sped along the tracks, and the scenery outside the window gradually transitioned from the dense buildings of Tokyo to the rolling mountains of Shizuoka.

Kouyu Tianyan sat by the window, his gaze fixed on his blurry reflection in the windowpane.

After a long silence, he suddenly asked, "Why do you think Keiko Miyazawa suddenly wanted to sell Rinku Castle?"

Takeo Ushio carefully considered his words before cautiously speaking, "It might be due to cash flow pressure."

"After Rokko was separated, Miyazawa Tourism no longer needed to invest money in it, but the Nanki Shirahama project was still burning through cash."

"Although the 8 billion yen credit line from Mitsubishi Bank has been stabilized for the time being, the quarterly interest is not a small amount."

"Furthermore, after Miyazawa Hara's death, Miyazawa Michiko's side may also receive a portion of the inheritance, so the main family's cash flow is indeed tight."

"6

Kouyu Tianyan listened and nodded slightly.

Takeo Ushio's reasoning is indeed plausible.

But he immediately denied it.

Even if there is significant cash flow pressure, other lower-value land parcels should be sold first to pay off debts.

Why sell Lingkong City right from the start?

It's unreasonable, very unreasonable.

Kouyu Tianyan frowned deeply; this concerned his future, and he couldn't afford to be careless.

Meanwhile, Kiryu Yaya was sitting at his workstation in the Financing Review Division, finishing up the last few files he had on hand.

He glanced at the time; it wasn't lunch break yet.

It was at this moment that...

Masakazu Yamada walked out of his office and went to his desk:

-

"Kiryu-kun, there's a meeting this afternoon. You'll have to come with me."

Kiryu Yaya looked up, his face showing just the right amount of confusion: "Afternoon? What meeting?"

Masakazu Yamada placed the letter from the Miyazawa Group on his desk, his tone solemn: "The Miyazawa Group is holding an emergency meeting to discuss the disposal of the Rinko City plot. The branch manager asked our financing review department to send someone to observe the meeting. You've been involved in the Miyazawa case, so go with us."

Kiryu Yaya glanced down at the letter, then nodded: "Understood."

Masakazu Yamada didn't say anything more and turned to walk back to his office.

Kiryu Yaya sat at his workstation, looking at the letter on his desk, and smiled gently.

Based on the bank's procedures and his understanding of Furuta.

At this point in time, the executive director should already be on his way back to Osaka.

Poor Kouyuda.

I had barely settled into my workstation after returning to Tokyo when I had to rush back.

It's just like Tom being manipulated.

Lunch break.

The dining hall on the second floor of the annex.

As midnight approached, the number of people in the cafeteria reached its peak for the day.

Kiryu Yaya walked into the cafeteria seating area.

Near the beverage counter, in the same old spot, were those three familiar figures.

Yayoi Minana, Sasaki Kenta, Arima Kisho.

Seeing Kiryu Yaya approach, Sasaki Kenta was the first to look up and wave at him: "Kiryu-kun, over here!"

Kiryu Yaya walked over and sat down in the empty seat next to Yayoi Mina.

Yayoi Mina turned her head and asked softly, "Senpai, are you busy today?"

"Fortunately, I have a field assignment this afternoon to sit in on a meeting at the Miyazawa Group."

"Going out again this afternoon?"

Kenta Sasaki put down his spoon, looking on with envy: "That's great. After I was transferred to the financing review department, I've been organizing files every day, and my back is about to break from sitting so much."

Arima Kishou picked up a piece of grilled fish and said expressionlessly, "You've been in the Financing Review Division for less than a week, and you've already complained three times."

"That's because it's really tiring! The files in the logistics department are on a completely different level than those in the financing department, okay?"

Kenta Sasaki exclaimed indignantly, "The logistics department's files are at most a dozen pages long, but the financing department's files are thicker than my fingers!"

"That's why the financing review department needs you."

Arima Kishou remained unfazed: "Your fingers are rather short."

Kenta Sasaki paused for a moment, recalling a certain rumor about fingers, then realized, "Arima, are you saying my fingers are short?!"

"It's just stating the facts."

"You call this stating facts?! Have you even seen my strengths and weaknesses?! You're just spouting nonsense here!!"

The two started bickering again.

But Kenta Sasaki quickly gave in and had to change the subject: "By the way, Kiryu-kun, didn't you say you were going to write a resume yesterday? Are you done?"

"The first draft is done, but it needs to be revised again."

"You're really going to participate in our youth talent exchange program?"

Kenta Sasaki's voice carried a hint of seriousness: "That place is no ordinary place. I heard that those selected are all elites from various branches, so the competition is fierce."

Arima Kishou added casually, "Kiryu-kun is an elite to begin with."

Kenta Sasaki was taken aback for a moment, then nodded vigorously: "That's true, but that's precisely why we should prepare even more. After all, going to a place like the main branch means you're not just representing yourself, but also our Osaka branch, and especially the Financing Review Division."

"You're being so serious."

Kiryu Yaya chuckled, "I'm not sure if I'll be selected yet."

"With your resume, you'll definitely be selected."

Kiryu Yaya smiled but didn't reply.

Arima Kishou put down his chopsticks and, unusually, said, "Kiryu-kun, if you go to the Tokyo main store, the interpersonal relationships and factions there are much more complicated than in Osaka. You need to be careful."

Kiryu Yaya nodded: "Thanks for the reminder, I'll be careful."

Yayoi Mizuna listened quietly to the three of them talking, and after a long while, she spoke softly, "Senpai... if you go to our shop, will you come back?"

Kiryu Yaya turned his head and glanced at her.

Her gaze fell on the table, her fingers tightening slightly, as if waiting for an answer.

"It's only three months. I'll be back after the training."

Mizuna Yayoi nodded slightly and didn't ask any more questions.

But she will be in great pain if she doesn't see Kiryu-kun for three months.

The lunch break was quickly coming to an end.

The four of them got up one after another, cleared away the dishes, and prepared to return to their respective posts.

As Kiryu Yaya walked toward the recycling bin, Yayoi Mizuna followed behind him and softly called out, "Senpai."

Kiryu Yaya turned around.

Yayoi Mina stood at the cafeteria entrance, the afternoon sun streaming in through the window, her smile radiant: "Good luck with the afternoon meeting...."

Kiryu Yaya smiled and said, "Thank you, I will."

1:30 PM.

Mitsubishi Bank Osaka Branch underground parking lot.

Kiryu Yaya followed Yamada Masakazu into the back seat of a dark gray official car.

The car drove out of the parking lot and merged into the afternoon traffic flow of Midosuji.

The drive from the Osaka branch to the Miyazawa Group headquarters takes about twenty minutes.

The view outside the window is of Osaka in mid-May.

The sunlight fell on the ginkgo tree, making the leaves turn emerald green.

Kiryu Yaya sat in the back row by the window, his gaze fixed on the street outside, waiting quietly.

About twenty minutes later.

The car stopped in front of the Miyazawa Group headquarters building.

Masakazu Yamada got out of the car first, followed by Yaya Kiryu.

He stood in front of the building and looked up at the gray building.

The last time I came here was at the extraordinary board meeting where Miyazawa was dismissed.

In just two weeks, the building was still the same building, but the personnel structure inside had completely changed.

The receptionist had already been notified, and she quickly came forward, bowing slightly to the two men: "Section Chief Yamada, Mr. Kiryu, this way please. The president is already in the conference room."

She led the two through the lobby on the first floor and took the elevator up.

The door to the eighth conference room was ajar.

The receptionist knocked lightly twice on the door, then pushed it open: "President, the representatives from Mitsubishi Bank have arrived."

Kiryu Yaya stepped into the conference room.

The meeting room was larger than when he last came, and could probably accommodate about thirty people.

Many people were already seated on both sides of the long table.

Keiko Miyazawa sat in the main seat, wearing a dark gray suit today, with her hair pulled back.

Now, she exudes the aura of a mature company president.

Her demeanor is completely different compared to a month ago.

She saw Kiryu Yaya enter, her gaze lingered on him for a moment, and then she nodded slightly.

Sitting to her right was Akio Uesugi.

He had a thick stack of evaluation documents in front of him and was looking through them.

To the left sat several core directors of the Miyazawa Group.

Director Matsubara, Director Inoue, and three inspectors whom Kiryu Yaya was not very familiar with.

The so-called inspectorate is an organization elected by the shareholders' meeting to supervise the performance of the company's directors on behalf of the shareholders.

They do not participate in the company's day-to-day operational decisions, but they wield considerable power.

On the other side of the long table, near the door, sat someone who surprised Kiryu Yaya.

Yutaro Kamiya.

He had previously said he couldn't bear to see the land in Lingkong City being sold off, but he still came today.

Yutaro Kamiya sat in a chair, leaning on his black cane, his gaze calm and revealing no particular emotion.

Upon seeing Kiryu Yaya, Kamiya Yutaro nodded and then looked away.

Kiryu Yaya and Yamada Masakazu sat down near the door.

It was exactly two o'clock.

Just as Keiko Miyazawa was about to speak, the conference room door was pushed open again.

A secretary walked in quickly, looking somewhat nervous, and bowed slightly to Keiko Miyazawa: "President, Mr. Hiko Furuta, Executive Director of Mitsubishi Bank's Tokyo Headquarters, and Mr. Takeo Ushio, Deputy Director of the Financing Department, have arrived and said they would like to attend the hearing."

There was a moment of silence in the conference room.

Keiko Miyazawa frowned slightly and looked at Yaya Kiryu.

Masakazu Yamada looked at Yaya Kiryu in astonishment: "Captain Kouda?"

Kiryu Yaya also feigned shock, then nodded to Miyazawa Keiko.

Having received confirmation, Keiko Miyazawa said to her secretary beside her, "Please let them in."

A few minutes later.

Kouyuhiko strode in.

He was wearing a dark gray suit, his tie was perfectly tied, and he had the kind of relaxed smile that is typical of senior bank executives.

Half a step behind him was Ushio Takeo.

As the two entered the conference room, their eyes quickly swept across both sides of the long table.

Kouyuki's gaze lingered on Kiryu Yaya's face for a moment before shifting to Miyazawa Keiko: "President Miyazawa, I apologize for disturbing you."

"The Rinko City plot is the core asset of the Miyazawa tourism development and also an important collateral for our bank's important credit line."

"The head office is paying close attention to the disposal of this asset, so I came all the way from Tokyo hoping to get a feel for your group's decision-making direction."

Keiko Miyazawa nodded slightly, her tone polite and restrained: "Minister Furuta came all the way from Tokyo, thank you for your hard work. Please have a seat."

Kouyu Tianyan smiled and nodded, his gaze sweeping across both sides of the long table.

His gaze lingered for a moment on the few empty seats near the head of the table, then seemed to naturally shift away, turning towards Yamada Masakazu and Kiryu Yaya, who were near the door.

Masakazu Yamada stood up almost immediately.

With a high-ranking leader from headquarters in attendance, he, a mere section chief at the branch office, certainly couldn't sit in the seat representing Mitsubishi Bank.

He bowed slightly to Kouyuu Hiko, then turned to the side, giving up the seat he had been sitting in.

"Minister Furuta, please have a seat here."

Kouyuu Hiko didn't refuse, and walked over and sat down with a smile. Then he turned to Kiryu Yaya and said, "Kiryu-kun, it's been a long time."

Kiryu Yaya pursed his lips slightly and gave a restrained laugh: "Captain Kouyuta, how have you been?"

It was at this moment that...

Ushio Takeo walked up behind Kiryu Yaya and then gave a soft "hmm".

His meaning was quite clear.

Kiryu Yaya should give up this seat so that Ushio Takeo can sit here.

Masakazu Yamada had already taken a seat towards the back. At that moment, he looked up in the direction of Yaya Kiryu, his lips moved as if he wanted to say something, but in the end he did not speak.

In this situation, he had no way to speak up for Kiryu Yaya.

From a workplace etiquette perspective, it's perfectly acceptable for subordinates of high-ranking leaders to sit in a more forward position.

Kiryu Yaya naturally understood this principle as well. He slowly stood up, his movements swift and decisive.

Then his gaze fell on the name tag on Ushio Takeo's chest, which read: "Deputy Director of the Financial Review Department, Mitsubishi Bank:"

"Ushio Takeo."

Kiryu Yaya pulled out a chair, gave a forced smile, and said, "So it's Vice Minister Ushio. Please have a seat."

Ushio Takeo glanced at him, snorted, adjusted the hem of his suit jacket, and then slowly sat down.

Then, looking at Masakazu Yamada beside him, he said sarcastically, "Section Chief Yamada, your branch still needs to improve its training of subordinates in workplace etiquette."

Upon hearing this, Kiryu Yaya simply smiled slightly, his tone much gentler than Ushio Takeo had expected.

"Deputy Director Ushio is right. There are indeed many things that the Osaka branch needs to learn from the Tokyo headquarters."

"After all, I've only been in the financing review course for two months. I still need to work on my workplace etiquette."

His words sounded like an admission of wrongdoing, his posture extremely humble, even carrying a hint of the naiveté typical of a newcomer.

But it was precisely this naiveté that turned Takeo Ushio's earlier taunts into a joke.

He's just a newbie who's only been with the company for a little over two months, and you, Takeo Ushio, a senior executive in the finance department at Mitsubishi's head office, are fixated on him over such a trivial matter.

That's incredibly short-sighted.

Seeing the strange looks around him, Ushio Takeo glanced at Kiryu Yaya and gave a soft hum.

He had hoped to use this opportunity to establish his authority in front of Kouyu Tianyan, but he didn't expect to punch a cotton ball, which only made him look petty.

His expression darkened slightly, but he didn't get another chance to speak.

Because Keiko Miyazawa cleared her throat and spoke, drawing everyone's attention back to the main topic.

"Now that everyone is here, let's begin."

She raised her hand to signal Akio Uesugi to begin his report, then leaned back in her chair, placing her hands folded on the table, her gaze sweeping calmly across both sides of the long table.

Kiryu Yaya's lips curved slightly.

Just looking at Miyazawa Keiko's sitting posture, she already exudes a boss-like aura.

Akio Uesugi opened the evaluation documents and began his formal report.

He explained the historical evolution of the Linkongcheng plot, its current book value assessment, and recent transaction cases of similar plots in the surrounding area in great detail, providing the source for every figure.

About fifteen minutes later, Akio Uesugi finished his assessment, closed the document, and looked at Keiko Miyazawa.

Keiko Miyazawa did not rush to speak.

She first glanced at the directors on her left, her gaze slowly sweeping across Matsubara and Inoue's faces before settling on the three inspectors, and finally turning to Kamiya Yutaro, who was sitting at the end of the long table.

"Distinguished board members."

Keiko Miyazawa's voice rang out in the conference room: "Mr. Uesugi has just given a detailed explanation of the assessment of the Rinko City plot."

"According to the current assessment, the total area of ​​the plot is approximately 50,000 square meters. Based on recent transaction cases of similar plots in the surrounding area and valuation reports issued by professional appraisal agencies, the preliminary price is one million yen per square meter."

"That is to say, the overall valuation is about 50 billion yen."

Fifty billion yen.

In Japan in 1991, this figure was an absolutely substantial sum.

Keiko Miyazawa continued, "I understand what this number means to everyone here, and what it means to the Miyazawa Group."

"My father once said that this land would be the foundation of the Miyazawa family for the next twenty years. I have not forgotten that."

As she finished speaking, her gaze swept across the faces of the directors, and her tone became calmer.

"But I also hope everyone can see one fact clearly—having this land in your hands and turning this land into cash are two different things."

"At present, the Miyazawa Tourism Development project in Nanki Shirahama is still being invested in. Mitsubishi Bank's quarterly interest expenses are not small. In addition, some structural adjustments have been made within the group recently, and cash flow is indeed tight."

"If we sell this land now, we can not only resolve the cash flow pressure in one go, but also restore the group's balance sheet to a healthier state."

"This money can be used to repay some of the high-interest debt, replenish the working capital for the Miyazawa tourism development, and even leave enough room for the group's future transformation."

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