lovenovelstory Chapter 3 The Banker's Eye
Chapter 3 The Banker's Eye
In the night breeze, the neon lights of the pachinko parlor continued to flash.
A silver-gray Mercedes-Benz, exuding an air of sophistication, was parked at the entrance.
Kiryu Yaya walked over slowly, and then...
He stepped onto the Bridgestone that was parked next to him.
This is a second-hand bicycle that I bought for my commute to work; it cost less than 5000 yen.
It's cheap, but the quality is acceptable.
The night wind blew from the direction of Kitashinchi, carrying the lingering aroma of yakitori from the izakaya and the distant roar of the last train passing by.
Kiryu Yaya pedaled slowly towards his rented apartment.
Just then, the system sent a notification:
[World line converging - branch three selected]
The skill "Banker's Eye" has been unlocked.
[Actively using this skill allows you to view all of the target's assets and liabilities.]
[Can be used once a day]
Kiryu Yaya's handlebars wobbled, and he let out a chuckle.
Being able to view other people's asset and liability information is practically unbeatable for a bank employee.
I wonder how many pitfalls I can help him avoid.
As for dating or anything like that, only an idiot would choose that.
Dating won't lift him out of poverty; a promotion and a raise will.
Out of curiosity, Kiryu Yaya used "Banker's Eye" on himself once:
【Kiriyuya】
Age: 23
[Position: New employee at Mitsubishi Bank Osaka branch]
[Annual salary: 420 million yen]
【assets:】
"1. Mitsubishi Bank Osaka Branch General deposit: 38,200 yen"
2. Cash assets: 4,676 yen
Total Assets: 42,876 yen
[Liabilities:]
1. Japan Educational Foundation Scholarship Type 1 (Interest-Free Loan): 2,840,000 yen
"2. Japan Educational Foundation Scholarship Type 2 (Interest-Bearing Loan): 1,560,000 yen"
"3. Mitsubishi Bank Employee Credit Union - One-Time Loan for New Employees: 300,000 yen"
Total liabilities: 4,700,000 yen
Net assets: -465 million yen
Looking at the asset panel, Kiryu Yaya's lips twitched.
Good heavens, not only was the previous owner penniless, but he also left behind so many loans.
Fortunately, the salaries of bank employees in Japan are quite high, and the debt was paid off in one or two years.
If he had an ordinary job, these loans would have kept him from getting out of poverty for at least four or five years.
From Kitashinchi to Ezaka.
Kiryu Yaya rode his Bridgestone for over forty minutes before finally arriving at his rented apartment.
The Esaka area isn't considered a prime location in Osaka.
The old apartment buildings built at the end of the Showa era are crammed together, with the gaps between them so narrow that only two people can pass sideways.
He parked his bicycle downstairs and locked it, even though no one would necessarily pick it up if he left it on the street.
But for Kiryu Yaya now, 5000 yen is a sum of money that can improve his life.
It's best to be cautious.
The building is five stories high and has no elevator.
Kiryu Yaya climbed the creaking iron stairs and arrived at the third floor, room 302.
He took the key out of his pocket, inserted it into the lock, and turned it twice.
its stuck.
He shook the key hard, and the lock cylinder made a dry, metallic scraping sound, like some kind of unwilling groan, before clicking open the door.
A room the size of six tatami mats.
The entrance is a narrow foyer, barely wide enough for one person to stand in. On the floor are a pair of three-year-old leather shoes and a pair of faded slippers.
Stepping through the entryway, the entire room is laid out before you.
The room was very small, so naturally there was very little furniture.
A single iron bunk bed, a second-hand folding table, a wardrobe, and a sink make up the entire room.
There is no toilet in the room, but there is a public toilet downstairs in the apartment building. You can take a shower at the nearby public bathhouse, which costs only 300 yen per shower.
There are many inconveniences to living here, but the advantages are obvious—
The rent is extremely cheap, only 25,000 yen a month.
In a place like Ezaka, this is already considered a very cost-effective place to stay.
……
An April morning.
The air in Osaka still carries the last sweet scent of cherry blossoms.
Kiryu Yaya parked his bicycle on the side of the road and then walked into the Mitsubishi Bank Osaka branch located along Midosuji.
He commutes to work by bicycle, a 30-minute commute each way, which saves him over 10,000 yen a month on commuting expenses.
8:40 a.m.
Twenty minutes before the official opening, the lobby was already bustling with activity.
The female staff at the window were sorting through the tickets, pressing each stamp onto the inkpad and then carefully stamping it down, while the male staff in the business department were moving bundles of tickets around like industrious worker bees.
But the work at these windows has nothing to do with Kiryu Yaya.
He is a new employee at the bank, but is currently on a job rotation and is temporarily assigned to the financing department.
And the departmental curriculum.
It is a classic three-tier management system for Japanese branches.
Taking the financing department as an example, it has departments for review, planning, debt management, international financing, and SME financing, with their businesses being interconnected.
The classroom where Kiryu Yaya was located was the Financing Review Department.
The so-called review.
It's about assessing whether or not to grant a loan.
In 1991, after the bubble burst, all the loans that had been made without a second thought had become non-performing loans.
Therefore, the review department now bears a heavy responsibility, as it is the first gatekeeper for bank lending.
Kiryu Yaya walked through the lobby and arrived at the elevator.
The finance department's office is on the third floor, but it's not time to go to our desks yet. Every Thursday morning at nine o'clock, the whole department holds a morning meeting in the large conference room on the fifth floor.
Kiryu Yaya glanced at his watch.
It's 8:45, fifteen minutes to go.
The elevator is on the right side of the stairwell, and the indicator light on the door is jumping down from the fifth floor.
He pressed the up key, put his hands in his pockets, and waited.
The elevator doors opened.
A pretty girl with a short ponytail walked out, carrying a folder taller than herself.
Kiryu Yaya stepped aside.
She wore a beige shirt with a dark blue Mitsubishi Bank vest over it, and a knee-length dark gray pencil skirt that revealed her slender calves.
The stack of folders in her arms was just the right height to block her view.
As Kiryu Yaya dodged to the side, she turned left and bumped into Kiryu Yaya's shoulder.
Not very strong.
But the stack of folders in his arms, which was already teetering on the edge, completely lost its balance and scattered all over the floor with a crash.
Bills, applications, and guarantee documents—white and yellow pieces of paper—poured down like an avalanche, creating a mess at their feet.
"ah--"
She let out a short scream, squatted down, and frantically picked it up, repeating over and over:
"S-Senpai, I'm so sorry... I'm really so sorry... I, I'll pick it up right away—"
Just then, a semi-transparent interface popped up in front of Kiryu Yaya.
[New life options have been triggered]
[Yayoi Mizuna, who is timid by nature, made numerous mistakes during her first week at work and was severely reprimanded by the sales department manager this morning.]
After bumping into you at the elevator entrance, documents scattered all over the floor. She instinctively mistook you for a senior colleague, and her fear of being scolded again reached its peak, bringing her pent-up resentment and panic to a fever pitch.
The options are as follows:
[Fork in the road: Silently walking past her, he went straight into the elevator.]
(Reward: Nothing happens.)
[Second branch: Kneel down and help her pick up the scattered documents.]
(Bonus: Bank deposit increased by 5000 yen)
[Fork in the road 3: Stepping on the documents that have floated to his feet, he looks down at them and questions, "What's wrong with you, newbie?"]
(Reward: Bank reputation +5, with a certain chance to unlock a new career path)