Tokyo, 1991: Starting as a bank clerk.

"If Keiko ever troubles you with bank procedures again in the future, please bear with me."

"However, I will most likely be the one to handle the group's operations and liaise with the banks from now on."

"After all, Keiko is still young and has just graduated from school. There are many things she doesn't understand."

“My brother left in a hurry, and as his uncle, I must shield her from the storms ahead.”

"We'll ask for your advice when we have formal business dealings in the future."

Miyazawa Hara.

Executive Director of the Miyazawa Group.

The font on the business card is understated yet sophisticated, the paper is thick, and the edges are embossed with a very faint dark gold pattern.

Kiryu Yaya reached out and took it.

I gently stroked the surface of the business card with my fingertips.

He simply said calmly:

Please take care of me.

"Not at all, we should be the ones asking for your help."

Miyazawa smiled gently.

The next second, a semi-transparent interface silently appeared in front of Kiryu Yaya.

The Banker's Eye!

Chapter 42 One Hundred and Forty Billion!!

Kiryu Yaya did not hesitate at all.

It was launched directly.

The Banker's Eye

My vision shifted slightly.

Soon, lines of information appeared before his eyes.

Miyazawahara

Age: 52

[Position: Executive Director, Miyazawa Group]

Annual income: Approximately €420 million

【assets:】

"1. Miyazawa Tourism Development Co., Ltd. holds 18% of the shares."

"2. Miyazawa Real Estate Development Co., Ltd. holds 11% of the shares."

3. Mitsubishi Bank's general cash reserves: approximately €640 million

4. Sumitomo Bank's fixed deposit: approximately €380 million

5. Luxury residence in Ashiya City: appraised value approximately €430 million.

"6. Investment properties in the port area: appraised value of approximately €108 million"

Total assets: Approximately €609,400,000

[Liabilities:]

"1. Mitsubishi Bank's joint guarantee for the Miyazawa tourism development project: 80 million euros"

2. Sumitomo Bank's guarantee for the Rokko Golf Development Project: 506 million

3. Daiwa Securities Margin Financing: 202 million

4. Private borrowings – Short-term loans between related companies: 104 million

"5. Miyazawa Soke's shares pledged for loan: 30€€€€"

"..."

Total liabilities: Approximately €200 million - €2000 million

Net worth: -€139 million (approximately 2600 million euros)

Kiryu Yaya's pupils contracted almost imperceptibly.

Net debt approaching 14 billion.

Joint and several guarantee.

Tourism development projects.

Golf development.

Margin financing.

Short-term inter-company loans.

This man embodies almost every trait that makes a bubble economy most vulnerable to exploding into dust at its end.

Seiji Shiraishi is right.

The fastest runner isn't necessarily the safest.

But the most critical issue isn't the numbers themselves.

But the last one €€€€

Miyazawa Soke's shares were pledged for a loan.

Three billion.

Zongjia Shares is the core holding of the Miyazawa family's controlling entity.

This is not the equity of a particular subsidiary, nor the rights to a particular building, a particular piece of land, or a particular golf course.

Pledging the main family's shares is equivalent to mortgaging the core assets accumulated by the Miyazawa family over generations, which represent the top-level control of all its subsidiaries and businesses.

Pledging something like this is equivalent to giving away your family's identity card to someone else.

From this perspective, Miyazawa Hara had long since extended his reach into the very roots of the Miyazawa family.

Something's not right, something's a million times wrong.

Kiryu Yaya let out a soft breath.

[The operator's obsession]

use!

The halo of light before my eyes moved silently.

A pale golden character, visible only to him, slowly appeared beside Miyazawa Hara.

Like a mirror, it reflects the real undercurrents surging beneath that gentle smile.

[A Manager's Thoughts – Miyazawa Hara]

The people working at these banks are no different from hyenas.

"When the bubble was inflating, they were practically begging you for loans, inflating your property valuation by 20%, practically stuffing money into your pocket. Now that the bubble has burst, they're all pretending to be incorruptible officials, scrutinizing their accounts more meticulously than judges."

<Matsumoto, that old fox, clearly saw through my pressure on Keiko, but he didn't show it at all. Good, at least he knows his limits. The Miyazawa family's account holds a large portion of his Osaka branch's savings; a real falling out wouldn't benefit anyone.>

But this kid named Kiryu...

Kiryu Yaya's eyes narrowed slightly.

<Keiko actually called him up. She was the one who answered the phone when Koga called the Shiraishi family on Saturday night. I wonder if that guy, Shiraishi Seiji, let slip a word.>

However, Shiraishi Refrigeration is ultimately only a medium-sized company. Even if Seiji Shiraishi sees something, he won't be able to cause any significant trouble.

The real problem is the way Keiko looks at this kid. They're not just ordinary classmates.

"That's fine. It's better to distract her than to focus on the company. The more irresponsible she is right now, the easier things are for me. Ideally, she should find someone, get married, and leave, so she won't get in my way."

"Leaving the shares to her was the biggest mistake of my brother. What does a young girl know about business? If she were in charge, she could squander the family fortune in three months."

No, these things should have been my responsibility.

"I've served the Miyazawa family for twenty years, why should I hand over the reins to a little girl who can't even understand financial statements?"

As long as the pledged shares of the main family remain intact, everything is still under control.

As for Huizi, let's get her to sign that letter of authorization first. Once the account permissions, seals, and bank counter are all handed over, it'll be too late for her to realize what's happening.

<But this Kiryu... he's just a lowly employee, he probably can't cause any trouble.>

But just in case, we can't let Keiko have too much alone contact with him again.

The sooner the better.

Kiryu Yaya withdrew his gaze, his expression remaining unchanged.

But a storm was brewing in my heart.