enjoyebooks Chapter 44 Letter of Appointment
Chapter 44 Letter of Appointment
After returning to the third floor, Kiryu Yaya sat back down at his workstation.
He opened the monthly report on debt management in the East Osaka area that was next to him.
On the surface, I appear to be reading, but in reality, my mind is rapidly piecing together clues.
Miyazawahara's debt structure.
Zongjia's shares were pledged.
Rokko Golf Course Development.
Financing for tourism development projects.
Letter of appointment.
Account permissions.
seal.
These words are like a net yet to be unfurled, with each thread hidden behind seemingly normal banking procedures.
At 10:30 a.m., Masakazu Yamada returned to the financing review department.
He passed by Kiryu Yaya without saying anything, only pausing slightly in his steps.
"Kiryu."
"Yes."
"Don't gossip about what happened today in class."
"clear."
Yamada Masakazu glanced at him before turning and entering the section chief's office.
Kiryu Yaya lowered his head and continued flipping through the monthly report.
After lunch break, the financing review department once again descended into the usual Monday afternoon chaos.
The sounds of telephone ringing, typing, and flipping through documents mingled together.
At 3:30 p.m., the internal phone rang again.
The older employee sitting in front picked up the phone, listened for a couple of minutes, and then turned to look at it.
"Kiryu-kun, the switchboard is looking for you."
"Looking for me?"
"They said there was a message for you at the front desk downstairs."
Kiryu Yaya stood up, walked over, and took the receiver.
"I am Kiryu."
The operator's polite and steady voice came from the other end of the phone:
"Mr. Kiryu, a lady left a message for you."
"Miss?"
"Yes. The other person identified herself as Ms. Miyazawa."
Kiryu Yaya's fingers paused slightly.
She said, "If it's convenient for you, please meet me at 'Anker,' the coffee shop next to Nakanoshima Public Hall, at 8 PM tonight."
"She has something she'd like to ask you privately."
"I understand, thank you."
"You're too kind."
The phone hangs up.
Kiryu Yaya stood still for two seconds.
Keiko Miyazawa acted faster than he had imagined.
This may not necessarily be a good thing.
Because if she can realize "something is wrong" so quickly, then Miyazawahara will likely realize that she is starting to feel uneasy as well.
At 5:30 PM, the official time to leave work arrived.
But no one is taking action in the financing review section.
Kiryu Yaya wasn't in a hurry either.
He organized the documents at hand while waiting for Masakazu Yamada to come out of his office.
Finally, at 6:38, Section Chief Yamada walked out of the office with his briefcase.
Like toppling the first domino.
The department head stood up.
The director stood up.
The veteran employees also began to organize files, close documents, and tidy their desks.
Kiryu Yaya then packed his things and quickly went downstairs.
It was already dark when I left the bank.
Instead of taking a car directly, he walked along Midosuji towards Nakanoshima.
The night breeze at the end of April carried a slight chill.
The neon lights along the street lit up one by one, and the lights in the office building looked like chessboards that hadn't been extinguished yet.
The city still looks prosperous.
But Kiryu Yaya knew that some of the numbers in the ledgers had begun to turn into an abyss from which there was no way to pay.
……
Tea shop "Anokan".
It is hidden on an inconspicuous street corner next to the Central Convention Hall.
The storefront is small, the wooden signboard is a bit old, and the glass window displays sample desserts made of plastic and handwritten menus.
As I pushed open the door, the brass bell on the door rang softly.
It was just past 7:55.
Keiko Miyazawa was already sitting in the innermost seat by the window.
Unlike her dignified and composed demeanor in the VIP reception room that morning, she had changed out of her ivory white suit and put on a light beige knitted cardigan over a simple white shirt, paired with a dark blue long skirt, and her hair was simply tied back.
It's as if she deliberately transformed herself back into "Keiko Miyazawa".
Instead of "the eldest daughter of the Miyazawa family".
Upon seeing Kiryu Yaya, she immediately stood up.
"Kiryu-kun... I'm sorry for asking you out so suddenly."
"It's okay."
Kiryu Yaya sat down opposite her.
The shop assistant came over, and Keiko Miyazawa ordered a hot latte.
Kiryu Yaya ordered the cheapest mixed coffee.
After the staff left and the table quieted down again, Keiko Miyazawa finally let out a soft sigh of relief.
"There are some things I can't say at the bank today."
"Because of your uncle?"
Keiko Miyazawa nodded.
"Um."
She looked down at the sugar jar on the table, her fingers lightly touching the edge of the coaster, as if she were organizing her thoughts.
"Actually, when my uncle's secretary called on Saturday night, I really thought it was just a normal bank procedure."
"After my father passed away, my uncle handled most of the affairs at the group."
"At first, I didn't know anything, so I could only rely on him."
"But today in the branch manager's office, I tried several times to ask about account permissions and documents, but my uncle answered all my questions."
She looked up at Kiryu Yaya.
"Kiryu-kun, that feeling is strange."
"His words were very gentle, and they were all for my own good."
"But I feel like I'm being blocked from something."
Kiryu Yaya did not answer immediately.
Keiko Miyazawa took a brown paper envelope from her handbag and gently placed it on the table.
"So, I'd like to ask you to take a look at these things for me."
Clearly, among Keiko Miyazawa's companions, only Yaya Kiryu truly understands these things.
He was also one of the few people she could trust.
Realizing this, Kiryu Yaya looked down at the envelope.
It's not particularly thick.
But what Miyazawa Keiko brings out at this time is definitely not simple.
Kiryu Yaya didn't touch it immediately, but spoke first:
"Make things clear first."
"I cannot interfere in your family's business affairs in my capacity as an employee of Mitsubishi Bank."
Keiko Miyazawa nodded very seriously.
"I see."
"I'm sitting here tonight, so I can only be considered your classmate or friend."
"Um."
"I won't tell what you told me at the bank."
"Thanks."
Kiryu Yaya then opened the envelope.
There are several items inside.
A letter of appointment.
A handwritten note.
A few pages outlining the organizational structure of the main companies within the Miyazawa Group.
Two copies of the meeting agenda.
There was also a poorly cut fragment of a loan document.
Kiryu Yaya's gaze lingered on that tattered page for a moment.
But instead of picking it up immediately, he first pulled out the "Letter of Appointment".
The paper is very new, and there's still a place to stamp it in the lower right corner.
It has obviously not been formally signed yet.
Keiko Miyazawa said in a low voice:
"My uncle gave me this document last Friday."
He said that in order to facilitate the transactions between the group and the bank, he hoped that I would sign and stamp the document as soon as possible.
"Originally, a briefing was scheduled for Wednesday morning at the group's headquarters, with lawyers and finance managers in attendance."
"He said that my father had just passed away, and the group could not be in disarray. Many loan extensions, account management, external guarantees, and project funding arrangements all needed to be decided by someone as soon as possible."
"These statements all sounded reasonable, so I didn't doubt them at first."
Her voice lowered.
"But after being at the bank today, I suddenly felt a little scared."
Kiryu Yaya remained silent.
His gaze had already fallen on the main text of the document.
Article 1. The authorized agent shall represent me in all transactions between the Gongze Group and its affiliated companies and various financial institutions, including opening, modifying, terminating, borrowing, reimbursing, setting up guarantees, and signing guarantee contracts.
Article 2. The agent may keep and use the company seal, bank seal, president's seal and other necessary seals on behalf of the company.
Article 3. The agent may, in his/her own name, negotiate with third parties on necessary financing matters and sign relevant contracts, confirmations, commitments and supplementary agreements.
Upon seeing this, Kiryu Yaya put down the paper and chuckled softly.
Keiko Miyazawa's expression immediately tensed up.
"Is it bad?"
"It's a little worse than 'very bad'."
Kiryu Yaya looked up at her.
"This is not a simple matter of 'handling procedures on behalf of others'."
"This letter of appointment is more like asking you to tie your hands and feet and hand it over to someone else yourself."
Keiko Miyazawa was stunned.
Kiryu Yaya turned the document around, pushed it in front of her, and pointed to a few lines with his fingertip.
"Your father has just passed away, and you are the nominal heir to the group."
"As long as you still hold the seal, account access, and final signing power, no matter how powerful Miyazawa is, he can only be considered to be handling affairs on your behalf."
"But once you sign this letter of appointment..."
"From a banking perspective, he is almost equivalent to you."
"Opening accounts, changing permissions, adding collateral, signing new loans, making joint guarantees, and even signing documents that you should personally confirm can all be done by an authorized agent."
Keiko Miyazawa's fingers tightened little by little.
Kiryu Yaya continued:
"The second one is even more deadly."
"Once the company's seal, the bank's seal, and the president's seal fall into his hands, you're not just half-powerful."
"Instead, it was completely sidelined by ninety percent of its power."
Keiko Miyazawa looked down at the paper, her face slowly turning pale.
"...So that's how it is."
She had only felt uneasy instinctively before.
But it was only at this moment that she truly understood what that unease specifically referred to.
Kiryu Yaya put the "Letter of Appointment" back on the table.
"This document must absolutely not be signed."
Keiko Miyazawa nodded slowly.
"I see."