Tokyo, 1991: Starting as a bank clerk.

The first person to walk in was the deputy manager of the second business department of Sumitomo Bank's main branch.

He had obviously received an emergency call and rushed over from another floor.

Behind him were three people.

Masakazu Yamada.

Chihaya Yuri.

And Kiryu Yaya.

The air in the conference room seemed to freeze completely at that moment.

The Sumitomo Bank staff were taken aback at first, then their expressions changed.

Miyazawa was leaning back in his chair when he saw Kiryu Yaya and the other two walk in, and his gaze immediately locked onto Kiryu Yaya.

Keiko Miyazawa, sitting at the end of the long table, finally relaxed when she saw Yaya Kiryu.

He really came.

"Deputy Minister, what does this mean?"

The examiner from Sumitomo stood up and asked.

The deputy head of the sales department didn't answer immediately. He glanced around the conference room, his gaze settling on the draft confirmation document in the center of the table, before introducing it:

"These three are Section Chief Yamada, Section Chief Chihaya, and Acting Chief Manager Kiryu from Mitsubishi Bank."

"Please."

Masakazu Yamada nodded slightly, and stood on either side of Chihaya Yuri inside the doorway, without taking a step forward.

Under everyone's watchful eyes, Kiryu Yaya slowly walked to one end of the long table.

He stood there, his hands hanging naturally at his sides, his expression calm. His gaze swept over the faces of Sumitomo's inspector, the head of the corporate business department, Kamiya Yutaro, Miyazawa Hara, and others, finally settling on the draft confirmation document.

He paused for a moment, then spoke.

"Excuse me, let me introduce myself first."

The sound wasn't loud, but it was very clear:

"I am Kiryu Yaya from the Finance Review Department of Mitsubishi Bank's Osaka branch. I am acting as the chief investigator in the 'Miyazawa Group Emergency Risk Review' case, directly authorized by Branch Manager Matsumoto Takahiro."

He paused for a moment, then looked at Vice Minister Sumitomo:

"We are here today because the Rokko Golf Development Project poses a direct and significant risk to the security of our existing claims."

No one spoke in the meeting room.

Everyone was watching this young man.

He is too young.

But the rhythm and energy with which he spoke didn't seem like that of a newcomer at all.

Kiryu Yaya continued:

"Sumitomo Bank has defined this meeting today as a 'Rokko Golf Development Project Financing Extension Briefing'."

"However, we obtained and verified the relevant accounting records for the Rokko Golf Development last night."

"It includes at least two sets of parallel accounts: one set for external explanation, and one set for recording actual liabilities and internal fund transfers within the group."

"Based on our preliminary comparison results, the Rokko Golf development currently exhibits at least the following significant anomalies..."

He took out a summary.

"First, the true level of debt is systematically underestimated."

"In publicly available information, the borrowing of the Rokuga project, the preparation for the return of members' advance payments, and the current payment pressure have been compressed to a level that can still be alleviated through extension."

"However, according to the records we have, the short-term loans that have not been recorded, the member return provisions that have been delayed in being confirmed, and the funding gap that has been covered up by other accounts, are conservatively estimated to be at least 2 billion euros higher than publicly stated."

Yutaro Kamiya suddenly raised his head.

"Two billion?!"

The other director's expression also changed.

Miyazawa Hara remained seated, but his gaze had turned icy cold.

Kiryu Yaya didn't stop.

"Secondly, Rokko Golf Development does not rely on its own cash flow to operate, but is continuously receiving financial support from other entities within the Miyazawa Group."

"The most important one is Miyazawa Tourism Development Co., Ltd."

He took out the second summary and placed it next to the first one.

“If your bank only considers Rokko as an independent project today, it will make the wrong judgment: as long as it is postponed or slowed down, the project can survive.”

"But the truth is..."

"The reason Rokko is still alive is simply because Miyazawa Tourism Development is still giving it a lifeline."

His fingertips lightly tapped the paper.

"The publicly disclosed internal funding within the group is 1.2 billion."

"There are at least 500 million yuan more in unrecorded funds that have been transferred behind the scenes."

"In addition to interest advances, outstanding project payments, and the postponement of member return preparations, this is no longer ordinary group support."

"This is like using a relatively healthy entity to force a project that has already lost too much blood to keep breathing."

Miyazawa Hara's expression grew increasingly grim.

Kiryu Yaya slowly raised his third finger.

"Third, and most importantly."

"The Miyazawa tourism development is one of the core borrowers of our bank's existing 8 billion yuan related credit line."

The meeting room fell silent once again.

"what does that mean?"

Kiryu Yaya looked at the Sumitomo Bank staff, his voice steady:

"This means that the risks of the Rokko Golf development are no longer a project problem that Sumitomo Bank alone can handle."

"Instead, it has already begun to spread to the Miyazawa tourism development through internal funding within the group, thereby posing a direct threat to the security of our bank's existing large-scale claims."

"In other words, today's meeting is not just a matter between Sumitomo and the Miyazawa Group."

"Instead, it is Sumitomo Bank that is deciding whether to continue to allow a project with significant suspicion of financial misrepresentation, under the guise of group support, to further erode the credit base of another major creditor bank."

Upon hearing this, Vice Minister Sumitomo's gaze finally darkened completely.

The Sumitomo examiner no longer dared to speak casually.

Because Kiryu Yaya has already placed the matter in a very important position...

What Sumitomo Bank is doing now is knowingly or should have known about the risk of distortion, yet continuing to push forward a project and transferring the risk to the debt of other banks.

If this is confirmed, there will be legal consequences.

Kamiya Yutaro's face was ashen. He finally turned his head and looked at Miyazawa Hara:

"Yuan, what does this mean?"

Another director couldn't hold back any longer:

"What exactly happened with the accounts of Rokkaku?!"

Miyazawa Hara remained seated, silent for two seconds, before slowly raising his head.

"Kiryu-kun."

When he spoke, his voice remained calm, but the gentleness had completely disappeared.

Miyazawa slammed the documents in his hand onto the table and shouted:

"You dared to make such accusations against the Miyazawa Group's finances in front of Sumitomo Bank's main branch, using some dubious documents."

Do you know what you're doing?

Kiryu Yaya looked at him.

After a moment, he said calmly:

"Of course I know."

"I'm doing what a bank is supposed to do."

"If there are no problems with your group's accounts, then Sumitomo and Mitsubishi can jointly verify them, which will clear Miyazawa Group's name."

"But what if there's a problem with the accounts?"

Kiryu Yaya paused, then raised his voice and shouted towards Miyazawa Hara:

"Or if Managing Director Miyazawa is determined to drag Miyazawa Tourism down, then Mitsubishi Bank will have no choice but to withdraw that 8 billion yen loan!"

The words fell.

The meeting room was so quiet that you could hear the faint sound of the paper edges being blown by the air conditioner.