1novels Chapter 63 Risk Note
Chapter 63 Risk Note
The small pager on the corner of the table suddenly vibrated and started ringing.
All three people's eyes fell on it at the same time.
Chihaya Yuri reached for the pager, glanced at the screen, and her face immediately darkened.
"Sumitomo's main switchboard number, followed by 'Urgent'."
Keiko Miyazawa really breathed a sigh of relief.
This indicates that the situation inside had deteriorated to the point that even she couldn't bear it anymore.
Masakazu Yamada immediately stood up.
"Telephone."
There are public telephones over there.
Kiryu Yaya had already walked over, taken out a ten-yen coin from his pocket, inserted it, and dialed.
The phone rang twice, then I answered it.
"Sumitomo Bank Main Branch Switchboard"
"This is Kiryu Yaya from the Financial Review Department of Mitsubishi Bank Osaka Branch. Ms. Miyazawa just called this number from your bank's front desk. Please transfer me to the front desk on her floor immediately, or ask Ms. Miyazawa to answer the phone."
There was a noticeable pause on the other end of the line.
Mitsubishi Bank.
Sumitomo Bank.
At times like this, it's already quite alarming if someone from another company calls the switchboard.
However, upon hearing that the call was an emergency call, the other party still quickly transferred the call according to procedure.
The next second, a very low voice came from the other end of the phone.
"Kiryu-kun, it's me."
Get to the point.
"Miyazawa also brought all the group's directors. The purpose is obvious: either to get me to sign a document acknowledging my uncle as the sole financial contact, or to discuss my eligibility as president on the grounds of hindering the group's stability."
The person on the other end of the phone was clearly breathing erratically.
But Keiko Miyazawa has done a great job.
A woman in her early twenties who had just taken over the family business less than a month ago was surrounded by Sumitomo Bank, her uncle, and the board of directors—a situation that was not easy to handle.
Kiryu Yaya lowered his voice and asked the most crucial question:
Did you sign, stamp, or verbally agree on the spot?
"not yet."
"Very good, listen up."
Kiryu Yaya spoke very quickly, yet his speech was perfectly organized:
"Go back to the meeting room now. You don't need to argue about the details with them anymore."
"Miyazawa Hara, this is an open scheme. You definitely can't hold out on your own. Try to buy some time while we figure something out."
There was a two-second silence on the other end of the phone.
Then, Keiko Miyazawa's voice regained its composure.
"I see."
At this moment, apart from Kiryu Yaya, she had no one else she could trust.
The phone hangs up.
Kiryu Yaya put the receiver back, turned around and said:
"Section Chief, we can't wait any longer."
Masakazu Yamada had already stood up straight.
"I've heard you."
He looked at Kiryu Yaya and asked:
"Kiryu, what are you going to do?"
Kiryu Yaya paused for a moment, then looked at Yamada Masakazu and Chihaya Yuri:
"Section Chief, contact the branch immediately and send a letter to Sumitomo Bank. We absolutely must attend this information session."
"This is no longer just a family matter for the Miyazawa family; it's a debt war between Mitsubishi Bank and Sumitomo Bank."
Masakazu Yamada hesitated for a moment, then nodded:
"Since Sumitomo Bank is unethical, then we, Mitsubishi Bank, cannot be blamed for being unjust."
"The postponement of Rokko must be stopped!"
As he spoke, he immediately instructed Chihaya Yuri:
"Chihaya! Contact the branch manager."
"Have the General Affairs Department prepare faxes and emergency notification texts."
"clear."
Without uttering a single unnecessary word, Chihaya Yuri turned around and went to the counter to borrow a phone.
The call was answered quickly, and she said:
"Branch manager, it's me, Chihaya."
"The situation has changed. Ms. Miyazawa has confirmed that Sumitomo Bank is pressuring her, under the guise of a Rokko extension briefing, to acknowledge Miyazawa as the sole financial contact and to implicitly agree that the group will continue to support the Rokko project."
"Kiryu judges that Sumitomo is using meeting minutes to solidify Miyazawahara's authority and the main family's attitude."
"We recommend that, as our bank's major creditor bank, we immediately issue a formal risk notification to Sumitomo's main branch and request a suspension of the meeting."
There was less than two seconds of silence on the other end of the phone.
Matsumoto Takahiro's voice came through, crisp and calm:
"I see."
"Go to Sumitomo Main Store immediately."
"I'll have the general affairs department prepare a fax. Send the risk notification over within five minutes."
"Yes."
Chihaya Yuri hung up the phone and looked at the two of them.
"The branch manager has agreed."
Masakazu Yamada immediately grabbed his briefcase.
"Walk."
……
9:23 AM.
The main entrance of Sumitomo Bank's main store.
The sky was overcast and the air was heavy. The stone steps in front of the door were shiny from the previous rain.
Black cars came and went, and bank employees in suits kept passing through the revolving doors.
Mitsubishi Bank and Sumitomo Bank are rival banks.
In normal times, at drinking parties and business settings, they can still maintain a polite facade.
But if someone from one side were to directly appear at the other side's store and disrupt the credit granting meeting—
That's a different matter.
Masakazu Yamada and Yaya Kiryu walked up the steps side by side.
The receptionist had just given a professional smile:
"Welcome, may I ask—"
Masakazu Yamada had already handed over his business card.
"Masakazu Yamada, Head of the Financing Review Division, Mitsubishi Bank Osaka Branch."
"Please immediately inform your bank's financing review department—"
"Our bank has initiated an emergency risk briefing regarding the Miyazawa Group and Rokko Golf Development project."
"We hereby request a suspension of any formal minutes confirmation and subsequent procedures for the ongoing Rokkaku extension briefing on the seventh floor."
The receptionist's smile froze.
Risk notification, suspension of meeting.
Even though she was just a receptionist, she immediately understood the seriousness of the situation.
"Please, please wait a moment!"
She almost immediately grabbed the internal phone, her professional composure nearly crumbling.
……
at the same time.
The main building of Sumitomo Bank, 7th floor, large conference room.
After making the call at the front desk, Keiko Miyazawa returned to her seat at the end of the long table.
Yutaro Kamiya watched her sit down again with a cold expression, tapping his fingers on the table.
"alright."
"Now that you're back, don't waste everyone's time."
"Everyone at Sumitomo Bank is very busy, and the group's board of directors isn't here to listen to your repeated excuses."
The Sumitomo Bank auditor then pushed the confirmation form forward a little further, speaking politely and with restraint:
"Ms. Miyazawa, shall we continue?"
"Regarding your group's confirmation of the follow-up handling direction of the Rokkyo Golf course development—"
I disagree.
Keiko Miyazawa looked up and interrupted him directly.
There was a moment of silence in the conference room.
Sumitomo, the examiner, frowned.
"Ms. Miyazawa?"
Keiko Miyazawa's fingers tightened slightly under the table.
"I disagree with any statements that go beyond the scope of the Rokko project itself."
"I will not make any verbal or written confirmations until I have seen the full terms of the borrowing, guarantee, internal funding, and extension."
"If Sumitomo Bank insists on producing minutes, please write my objections verbatim into the meeting minutes."
After those three sentences were spoken, the air seemed to freeze.
The examiner stared at her for two seconds.
He had originally thought that the young president's attitude would soften somewhat after he left and returned.
They will at least be pressured by both the board of directors and the bank to back down.
But instead of backing down, she made her stance even more definitive.
"Ms. Miyazawa."
The tone of the Sumitomo Corporation's business section chief finally became a little more subdued.
"What financial institutions value most is a unified window service and consistent communication."
"If your group cannot even confirm the most basic direction of handling the matter, it will be difficult for Sumitomo Bank to continue to grant leniency."
"That's your bank's judgment."
Keiko Miyazawa looked at him, her voice soft yet firm:
"My judgment is that I cannot make such a confirmation based on incomplete information."
Yutaro Kamiya's expression grew even colder.
"Huizi, you're gambling with the entire group's reputation."
"I wasn't acting out of spite."
Keiko Miyazawa turned to look at the old director:
"I'm just defining the boundaries of responsibility."
Yutaro Kamiya narrowed his eyes, his voice deep:
"Then let me make myself clearer."
"If you refuse to cooperate even with the most basic stability of the group today, the board of directors will naturally reconsider whether you are still suitable to continue sitting in this position."
Miyazawa sat to the side, his hands folded, his expression gentle to the point of being impeccable.
Only then did he finally speak slowly:
"Huizi, your uncle never wanted things to get this ugly."
"But the group's problems aren't just about one person's personal feelings."
"Sumitomo Bank, the board of directors, the project owner, members, the construction company... so many people are watching."
"If you insist on not providing direction, then everyone can only assume—"
He paused for a moment, his gaze behind his glasses slowly landing on her face.
"You are not capable of handling the responsibilities of this position."
This statement is more direct than any of the previous pressure tactics.
in other words:
You should nod.
Either be prepared to be removed from the position of company president.
No one spoke in the meeting room.
The people from Sumitomo Bank are waiting.
The board members are waiting.
Miyazawa Hara is also waiting.
Just then—
Suddenly, a series of hurried footsteps came from outside the door.
Boom, boom.
There was a knock on the conference room door.
Sumitomo, the examiner, frowned:
"Come in."
The door opened, and a young employee strode in, bowed to everyone, and then went straight to the inspector, whispering a few words in his ear.
In an instant, the inspector's expression changed.
"What did you say?"
The young employee lowered his voice and repeated it again.
Not only Miyazawa Hara, but even Kamiya Yutaro noticed something was wrong, and his brows furrowed.
next second.
The door was pushed open again.