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1
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TOKYO CHUO BANK
CHAIRMAN'S OFFICE
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Hello.
3
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Director Kunimatsu of the Financial Services Agency is on the line.
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I'll take the call.
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Hello. This is Nakanowatari.
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How have you been, Director?
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Yes.
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Yes.
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FSA inspection...
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did you say?
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TOKYO CHUO BANK
OPERATIONS DEPARTMENT 2
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Almost a year had passed since Hanzawa Naoki was promoted from Tokyo Chuo Bank,
13
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Osaka Nishi Branch to Operations Department 2, the nucleus of Headquarters,
14
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otherwise known as the elite unit where the cream of the crop gathers.
15
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At one time, Hanzawa was blamed for the 500-million yen loan mishap
16
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and was about to lose his future as a banker.
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However, he cleared his name brilliantly and
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earned his current position.
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- Good morning.
- Good morning.
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All right. We'll aim for 10 minutes as usual. Let us begin.
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Hanzawa delivered outstanding results with tremendous energy, and
22
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had come to make his presence known at the bank.
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Everything appeared to be going smoothly, however...
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Hanzawa, do you have a minute?
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It's him again.
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Your fan, Executive Director Owada, sent word that he'd like to have dinner with you.
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I'm fully aware that you dislike that kind of socializing.
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But this is the third time he's asked.
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I'm starting to run out of excuses.
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I hate to ask, but do it this one time as a favor to me.
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Deep inside Hanzawa's heart,
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black embers of hatred were smoldering.
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I tell you, there's no other screw like this anywhere else.
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With this screw, we can get back on our feet again.
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You're the one who said you'd continue to finance us!
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Please let go!
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EMERGENCY BOARD OF DIRECTORS' MEETING
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From the beginning of next month,
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an FSA inspection will be conducted at our bank.
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Financial Services Agency (FSA) Inspection
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is an examination conducted by inspectors from FSA
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to ensure that the bank is conducting its business properly
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and that there are no problems with the loan customers.
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If a significant problem should come to light at that time,
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the bank would receive stern orders to improve business operations.
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If that happens, the bank would lose credibility
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and the infrastructure of the business itself could be shaken.
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The problem is the loan loss provision.
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If we should end up having to come up with the loan loss provision,
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the operation of our bank itself could be shaken.
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To ensure that there was no mistake in our credit judgment of the borrowers,
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I want you to investigate thoroughly once more.
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With only 2 weeks to prepare for the inspection, I don't know how much we can do.
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Can you possibly ask them for more time?
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At this rate, our normal duties will...
56
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Complaining about what's been decided already won't resolve anything.
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This is precisely the time we need to unite
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and overcome this crisis.
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Please rest assured, Chairman Nakanowatari.
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Looks like upper management was in quite a stir at the emergency board of directors' meeting.
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- Is it something that affects the whole bank?
- Probably.
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Hey, Hanzawa. Are you listening?
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At any rate, no matter happens at the top, we can only work on the job we have.
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You're indeed the ace of Operations Department 2.
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You think differently from us commoners.
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I'd better get going. I've been called over to Iseshima Hotel.
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Oh my, the white hope of Corporate Finance is quite busy, huh?
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Corporate Finance Dept. Assistant Manager
Tokieda Takahiro
(originally from the former Tokyo Daiichi Bank)
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Hanzawa, don't run out of steam going too fast.
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You too, Tokieda.
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By the way, have you seen Kondo lately?
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No, not since we celebrated when I first got here.
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He looked pretty busy.
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I hear he's struggling quite a bit at Tamiya Electric.
75
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Kondo's New Workplace
Tamiya Electric Accounting Dept.
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Is that right?
77
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What do you think about asking him out for a drink tonight?
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I'm afraid I have a minor business to attend to tonight.
79
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Oh, really?
80
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Hanzawa-kun, what are your thoughts on the current state of our bank?
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To be honest, I fear for it.
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The merger of 12 years ago was a joint merger outwardly.
83
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However, once you look inside,
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people from the former Tokyo Daiichi Bank accounts for practically all the major positions.
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It was a bitter pill to swallow for all of us from the former Sangyo Chuo.
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But Sir, you're up there.
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I'm a mere Executive Director.
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As long as Nakanowatari-san is sitting in the Chairman's seat,
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we won't see the light of day.
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Hanzawa-kun.
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Won't you aim for the top with me?
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Let's regain the prestigious days of the former Sangyo Chuo with our hands.
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There's no other sake like this Tobihime.
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It's sake brewed in Kanazawa.
Have you ever tried it?
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Ever since I first had it when I was assigned to Kanazawa Branch, this is the only sake I drink.
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As I recall, you're originally from Kanazawa, aren't you?
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Really? That's quite a coincidence.
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That must mean you and I were destined to meet, huh?
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My family in Kanazawa is
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operating a small factory called Hanzawa Screws.
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Screws?
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Is that so?
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Well, times are hard now.
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Operating a factory must be tough.
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But I'm sure your parents are heartened by the fact that
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you've become such a respected banker.
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My father...
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passed away 25 years ago.
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Dad!
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Oh, is that right?
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Weren't you still a child?
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I was in the 2nd year of middle school.
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You must've gone through a lot of hardship.
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Hanzawa-kun, if there's anything I can do to help,
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feel free to ask me anything.
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Let's work together to
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make Tokyo Chuo Bank a better bank.
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Hanzawa-kun.
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12 billion?!
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Loss from investment failure has been confirmed.
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You mean Iseshima Hotel?
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But didn't we give them a loan of 20 billion just the other day?
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Investment Failure
To incur a loss from investments, such as stocks.
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Torieda, who handled this loan, is your peer, right?
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Yes, although he's originally from Tokyo Daiichi Bank.
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Unfortunately, he's been removed from this case.
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Hanzawa.
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Operations Department 2 Manager
NAITO HIROSHI
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I want you to take charge.
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I want you to come up with measures to cover the loss of 12 billion
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as well as a restructuring plan for the hotel as soon as possible.
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Wait a minute please.
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In that case, it's more fitting for the Investigation Department to take over. Why me?
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- It's an order.
- Order?
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Whose order? Yours?
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It's the Chairman.
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Why the Chairman?
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I have no idea. However, perhaps he thinks highly of you
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for brilliantly recovering the loss of 500 million at Osaka Nishi Branch
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which was thought to be an impossible task.
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There's a 2-digit difference between 500 million and 12 billion.
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Even so, we need you to do it.
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We're getting an FSA inspection in 2 weeks.
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They'll be targeting Iseshima Hotel for sure.
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Surely you're not telling me to...
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Consequently, you'll be taking the lead in the FSA inspection.
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If they should determine that there's a concern
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collecting the loan from the troubled Iseshima Hotel,
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our bank will have to come up with an enormous amount of money to compensate for it.
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Loan loss provision...
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would amount to more than 100 billion.
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If that happens, our bank would collapse, and
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the Chairman will be fired.
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There's only 2 weeks left until the FSA inspection.
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Come up with a plan to cover the 12 billion-yen and a restructuring plan for the hotel.
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You'll take it on, won't you?
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Hanzawa!
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Deputy Manager Hanzawa from Operations Department 2 is here.
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Come in.
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I'm counting on you.
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In the event FSA determines that
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Iseshima Hotel, which sustained an investment failure of 12 billion yen,
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Financial Services Agency (FSA)
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Tokyo Chuo Bank
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Loan
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Iseshima Hotel
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is a troubled borrower,
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Troubled Borrower
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the so-called effectively bankrupt borrower,
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Classifies as Effectively
Bankrupt Borrower
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in its investigation,
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Tokyo Chuo Bank will be notified by FSA
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to set aside as reserve fund an enormous amount of money
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Reserve Fund
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Notification to
Set Aside Reserve Fund
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in case that borrower goes bankrupt.
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This is called a loan loss provision.
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Loan Loss
Provision
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The entire amount of the loan loss provision
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Loan Loss
Provision
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will be appropriated to expenses.
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Supposing that the loan loss provision for Iseshima Hotel is 150 billion,
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Loan Loss
Provision
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= 150 Billion Yen
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if Tokyo Chuo Bank was anticipating an annual earning of 300 billion yen this year,
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300 Billion Yen
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Anticipated Earnings
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it would have its earnings cut in half instantly,
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Halved
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Loan Loss
Provision
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150 Billion Yen
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causing its stock value to plummet and
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shaking the very foundation of its operation.
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Iseshima Hotel's Classification as an "Effectively Bankrupt Borrower
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Fall of Tokyo Chuo Bank
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...that's what it means.
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With only 2 weeks remaining until the FSA inspection,
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coming up with the most effect plan to
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Restructure Iseshima Hotel
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and
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Cover the loss of 12 Billion Yen
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That was the mission assigned to Hanzawa.
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The future of Tokyo Chuo Bank
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weighed heavily on Hanzawa Naoki's shoulders.
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Iseshima Hotel Main Office Building
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Hanzawa-san and Onodera-san.
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Tokyo Chuo is constantly changing our banker.
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Iseshima Hotel Managing Director
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HANE NATSUKO
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I have a hard time remembering everyone's name.
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I apologize for that. However, from now on,
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the Operations Department 2 will do our best to support you in reviving your business.
213
00:13:26,091 --> 00:13:29,004
You make it sound like we're going bankrupt.
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There's a good chance you will.
215
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Your investment failure of 12 billion cannot be overlooked.
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Your hotel will be in the red for two consecutive terms.
217
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At this rate, FSA will classify the hotel as a troubled borrower,
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and we may be unable to continue the financing.
219
00:13:44,042 --> 00:13:47,020
- If that happens...
- It's your job to ensure
220
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- that doesn't happen, isn't it?
- We will, of course, do what we can.
221
00:13:50,068 --> 00:13:53,094
However, in order to do that, it's imperative that you reconsider your business plan.
222
00:13:54,000 --> 00:13:58,020
You're overreacting.
There's no need to be that worried.
223
00:13:58,020 --> 00:14:01,020
The investment failure was due to investment in stocks.
224
00:13:58,086 --> 00:14:02,040
Operations Department 2
ONODERA JUNJI
225
00:14:01,026 --> 00:14:03,008
It has nothing to do with the hotel business.
226
00:14:03,010 --> 00:14:05,026
But that won't get us through the FSA inspection.
227
00:14:05,030 --> 00:14:07,094
That's your problem, isn't it?
228
00:14:07,096 --> 00:14:11,012
We're not running a business for the convenience of the bank.
229
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In that case, we'd like you to return the 20 billion
230
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we loaned you the other day for the time being.
231
00:14:18,026 --> 00:14:19,052
Why?
232
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The condition of the loan was that your business be in the black.
233
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It's a different story if it's running in the red.
234
00:14:25,048 --> 00:14:27,056
What you're saying doesn't make any sense.
235
00:14:27,060 --> 00:14:30,054
All our financial condition was disclosed in our paperwork to you.
236
00:14:30,058 --> 00:14:33,030
We never tried to hide the investment.
237
00:14:33,034 --> 00:14:37,076
It's your fault for not detecting the loss, isn't it?
238
00:14:38,024 --> 00:14:41,048
But now, you want us to return it for your own convenience.
239
00:14:41,058 --> 00:14:44,082
You're just like a yakuza. I can't believe what I'm hearing.
240
00:14:44,086 --> 00:14:47,032
I understand where you're coming from.
241
00:14:47,036 --> 00:14:51,057
However, we'd also like to hear what President Yuasa has to say.
242
00:14:51,072 --> 00:14:53,058
Can we possibly see him?
243
00:14:53,058 --> 00:14:55,068
Unfortunately, he's abroad on a business trip.
244
00:14:55,074 --> 00:14:58,090
Besides, I've been put in sole charge of this matter.
245
00:14:58,096 --> 00:15:01,090
If you insist on getting the money back,
246
00:15:02,006 --> 00:15:04,088
I'd like for you to get a consensus from the bank.
247
00:15:04,094 --> 00:15:11,024
Fine. We will be working with that in mind.
248
00:15:12,072 --> 00:15:18,086
Iseshima Hotel is a family business that's been ruled by the Yuasa Family for generations.
249
00:15:18,092 --> 00:15:23,064
In particular, Yuasa Koudou, the previous president, was known as quite the autocrat.
250
00:15:23,068 --> 00:15:26,044
Even after his son, Yuasa Takeshi, took over as president,
251
00:15:26,050 --> 00:15:29,044
the fact that they've been unable to shake the old management style
252
00:15:29,044 --> 00:15:31,044
is at the root of their poor performance.
253
00:15:31,050 --> 00:15:36,025
Taking advantage of that situation, Managing Director Hane
254
00:15:36,025 --> 00:15:38,025
tried to make a name for herself.
255
00:15:38,025 --> 00:15:41,036
She must've figured she could push aside the Yuasa Family
256
00:15:41,036 --> 00:15:44,024
and step in as president if she could post a profit
257
00:15:44,024 --> 00:15:47,025
- As a result, they incurred a loss of 12 billion.
- Yeah.
258
00:15:47,025 --> 00:15:51,006
Director Hane is laying the groundwork that she was ordered by President Yuasa
259
00:15:51,014 --> 00:15:53,028
and had no choice, but
260
00:15:53,052 --> 00:15:55,094
I believe she actually did it on her own.
261
00:15:55,098 --> 00:16:00,078
But we couldn't see through that and ended up giving them a 20-billion yen loan.
262
00:16:00,080 --> 00:16:05,056
It couldn't be helped. It's only been 3 months since you were assigned to Iseshima, right?
263
00:16:05,058 --> 00:16:11,034
No matter what the circumstance, it's my fault for not detecting it!
264
00:16:12,030 --> 00:16:15,092
Besides, their sub-bank Hakusui Bank
265
00:16:15,094 --> 00:16:20,030
held up on a 10-billion yen loan that was in the works fairly early in the game.
266
00:16:20,036 --> 00:16:22,024
Hakusui held up?
267
00:16:23,060 --> 00:16:26,092
Are you saying that Hakusui had detected the investment failure?
268
00:16:26,092 --> 00:16:28,092
Probably.
269
00:16:28,092 --> 00:16:32,078
If I had been more careful when it was handed over to me from the Kyobashi Branch,
270
00:16:32,080 --> 00:16:35,000
I may have been able to stop the loan.
271
00:16:35,000 --> 00:16:37,008
Didn't the handing over go well?
272
00:16:37,010 --> 00:16:40,080
They only gave me the perfunctory information.
273
00:16:40,084 --> 00:16:44,048
Kyobashi Branch is where the current Branch Manager Kaise, and prior to him,
274
00:16:44,052 --> 00:16:49,024
Manager Kishikawa and Executive Director Owada, three members in a row
275
00:16:49,024 --> 00:16:51,092
from the former Sangyo Chuo were branch managers.
276
00:16:51,092 --> 00:16:55,092
It's like a stronghold for those from Sangyo Chuo, so to speak.
277
00:16:55,092 --> 00:16:59,042
So when a big client like Iseshima Hotel was snatched away by
278
00:16:59,052 --> 00:17:02,046
the Corporate Finance Department, where a lot of us from the former Tokyo Daiichi is gathered,
279
00:17:02,048 --> 00:17:04,014
I'm sure they weren't happy.
280
00:17:04,018 --> 00:17:08,004
That's ridiculous. Pulling each other's leg within the same bank.
281
00:17:08,006 --> 00:17:13,026
Kaise-san, the branch manager, is all about looking good and maintaining his pride.
282
00:17:13,030 --> 00:17:16,042
Plus, his subordinate, Kozato,
283
00:17:16,044 --> 00:17:18,008
is quite a cunning devil himself.
284
00:17:18,008 --> 00:17:22,006
They're much better informed than me in regards to Iseshima.
285
00:17:22,006 --> 00:17:24,036
If you want more information, go talk to those two.
286
00:17:24,038 --> 00:17:26,008
I'll do that.
287
00:17:27,010 --> 00:17:29,056
I apologize.
288
00:17:29,056 --> 00:17:31,006
For passing the buck to you.
289
00:17:31,010 --> 00:17:33,042
That's for sure. You'd better treat me sometime.
290
00:17:33,046 --> 00:17:36,026
I'd love to, but
291
00:17:36,026 --> 00:17:38,026
that won't be possible for a while.
292
00:17:41,024 --> 00:17:43,012
Don't tell me you...
293
00:17:43,014 --> 00:17:45,040
I've been transferred to
294
00:17:45,062 --> 00:17:48,030
an affiliate in Nagoya.
295
00:17:49,040 --> 00:17:52,032
Take that! In a director's position even.
296
00:17:52,038 --> 00:17:53,078
Fight it, Tokieda!
297
00:17:53,078 --> 00:17:56,094
- This didn't happen just because of you.
- It's a waste of time.
298
00:17:56,098 --> 00:17:59,059
The decision's been made already.
299
00:17:59,078 --> 00:18:01,090
That's how banks operate.
300
00:18:03,030 --> 00:18:05,098
You should know that better than anyone else.
301
00:18:07,014 --> 00:18:10,020
I'm glad you're the one who's taking it over.
302
00:18:10,034 --> 00:18:12,054
I'll leave the rest to you.
303
00:18:46,026 --> 00:18:49,006
You mean Hakusui had detected the investment failure?
304
00:18:49,008 --> 00:18:51,046
How was Hakusui able to detect it when
305
00:18:51,048 --> 00:18:54,064
a capable man like Tokieda couldn't?
306
00:18:54,070 --> 00:19:00,004
Not only that. We're also a markedly better bank. There's no way they had more information than us.
307
00:19:00,026 --> 00:19:02,002
Something's going on here.
308
00:19:02,006 --> 00:19:04,026
Do you have any connection to Hakusui's main Loan Department?
309
00:19:04,030 --> 00:19:06,074
Main Loan Department, huh?
310
00:19:08,022 --> 00:19:09,070
Abu.
311
00:19:09,082 --> 00:19:12,022
- Abu, Abu, Abu...
- You okay?
312
00:19:12,024 --> 00:19:14,026
There's Abu. Remember? He played rugby.
313
00:19:14,028 --> 00:19:17,096
- Aburayama!
- Yes, Aburayama. We were in the same seminar.
314
00:19:18,002 --> 00:19:19,030
You know him well too, don't you?
315
00:19:19,030 --> 00:19:21,030
Yeah, we used to drink at Torisei in Hiyoura all the time.
316
00:19:21,032 --> 00:19:23,096
He's the deputy manager of the Loan Department at Hakusui.
317
00:19:24,078 --> 00:19:28,016
Tokyo Chuo Bank Kyobashi Branch
318
00:19:26,068 --> 00:19:28,052
Deputy Manager, as I already said,
319
00:19:28,054 --> 00:19:31,018
I have nothing to do with that anymore.
320
00:19:31,020 --> 00:19:32,040
If it's about Iseshima,
321
00:19:32,040 --> 00:19:34,088
I've passed on everything to Tokieda-san.
322
00:19:32,070 --> 00:19:35,080
Kyobashi Branch Deputy Manager
KOZATO NORIO
323
00:19:34,088 --> 00:19:35,096
Please ask him.
324
00:19:35,096 --> 00:19:40,052
I heard from Tokieda that the handing over didn't go too well.
325
00:19:40,056 --> 00:19:44,084
Surely you're not saying that it was our fault that
326
00:19:45,000 --> 00:19:48,080
- the investment failure went unnoticed, are you?
- Certainly not.
327
00:19:48,086 --> 00:19:52,008
But apparently, Hakusui had noticed it.
328
00:19:52,029 --> 00:19:54,076
Do you have any idea how they knew?
329
00:19:54,076 --> 00:19:58,072
How am I supposed to know about other banks.
330
00:19:58,076 --> 00:20:03,076
At any rate, I've passed on everything I know.
331
00:20:05,060 --> 00:20:07,046
Excuse me.
332
00:20:07,059 --> 00:20:09,042
It's time for my next engagement.
333
00:20:09,042 --> 00:20:11,090
Please give me a break.
334
00:20:13,080 --> 00:20:16,018
Excuse me.
335
00:20:17,010 --> 00:20:20,036
Kyobashi Branch Manager
KAISE IKUO
336
00:20:18,062 --> 00:20:20,080
- Is he gone?
- Yes.
337
00:20:20,084 --> 00:20:24,086
He was asking persistently about Iseshima Hotel.
338
00:20:24,086 --> 00:20:26,044
Kozato.
339
00:20:26,048 --> 00:20:30,046
Troublesome matters should be... You know what to do, right?
340
00:20:31,020 --> 00:20:32,060
Yes, sir.
341
00:20:40,091 --> 00:20:42,084
Kondo.
342
00:20:43,002 --> 00:20:46,092
Hanzawa's Peer
KONDO NAOSUKE
343
00:20:46,036 --> 00:20:47,074
Hey.
344
00:20:47,076 --> 00:20:50,010
- Are you here for business?
- Yeah.
345
00:20:50,010 --> 00:20:52,004
To ask for this term's loan.
346
00:20:52,008 --> 00:20:54,056
Sorry, I haven't been able to ask you out for a drink.
347
00:20:54,058 --> 00:20:58,024
I've been pretty busy myself. That makes two of us.
348
00:20:58,034 --> 00:20:59,092
Are things going well?
349
00:21:01,058 --> 00:21:04,064
I'm getting by somehow.
350
00:21:04,074 --> 00:21:08,006
Oh, shoot. I gotta go.
351
00:21:08,012 --> 00:21:10,002
- Let's have a drink soon.
- Sure.
352
00:21:10,002 --> 00:21:11,082
See you.
353
00:21:15,068 --> 00:21:21,012
That's why I'm asking where you got these numbers.
354
00:21:21,016 --> 00:21:24,046
How many times do I have to say it. Jeez.
355
00:21:24,062 --> 00:21:27,084
I came up with them from discussions with the president and sales manager.
356
00:21:27,088 --> 00:21:30,056
Under the present situation, we can't project any further.
357
00:21:30,062 --> 00:21:33,032
In the first place, you don't even have a written mid-term plan.
358
00:21:33,034 --> 00:21:36,002
The President and I are currently in the process of writing up a plan.
359
00:21:36,010 --> 00:21:39,076
I'm sure we can have it ready by our next meeting. If you can give us a loan based on this...
360
00:21:39,076 --> 00:21:42,050
This won't work. Do it over.
361
00:21:43,012 --> 00:21:46,054
Please wait. If we can't get a loan by the end of the month,
362
00:21:46,056 --> 00:21:49,006
we won't be able to keep going.
363
00:21:49,008 --> 00:21:50,094
I'll fix whatever it is that needs to be fixed.
364
00:21:50,096 --> 00:21:55,050
So can't you please give us a loan based on this? I beg you.
365
00:21:58,006 --> 00:22:00,012
Kondo-san.
366
00:22:00,026 --> 00:22:04,090
Are you sure you're a former banker?
367
00:22:06,050 --> 00:22:08,062
You're a disgrace.
368
00:22:23,040 --> 00:22:26,060
601 601 601�
369
00:22:26,066 --> 00:22:31,018
40 40 140 140 140�
370
00:22:32,004 --> 00:22:36,058
075 075 125 125�
371
00:22:37,070 --> 00:22:40,022
1214 1001
372
00:22:40,030 --> 00:22:44,002
1214 1001 1214�
373
00:22:51,032 --> 00:22:54,070
What are you planning to do, Kondo-san!
374
00:22:54,072 --> 00:22:57,009
I'm sorry. President,
375
00:22:57,009 --> 00:23:00,008
have you had a chance to think about the mid-term business plan?
376
00:23:00,010 --> 00:23:01,080
Business plan?
377
00:23:01,084 --> 00:23:03,060
Even without anything like that,
378
00:23:02,062 --> 00:23:06,022
Tamiya Electric President
TAMIYA MOTOKI
379
00:23:03,060 --> 00:23:05,060
we had no problem getting a loan until now.
380
00:23:06,094 --> 00:23:09,006
Are you sure you're not the cause of the problem?
381
00:23:09,012 --> 00:23:11,056
It doesn't have to be detailed at all.
Please...
382
00:23:11,060 --> 00:23:14,042
Do you know what Mozart said?
383
00:23:14,044 --> 00:23:19,042
When he was pestered for his composition, he said,
384
00:23:19,068 --> 00:23:22,042
"Don't worry. It's already composed."
385
00:23:22,054 --> 00:23:24,068
"The composition is...
386
00:23:25,006 --> 00:23:26,096
in here."
387
00:23:27,068 --> 00:23:30,034
Even if we don't submit a business plan every time,
388
00:23:30,038 --> 00:23:33,036
a company of our size should have no problem.
389
00:23:33,038 --> 00:23:35,082
- However...
- Anyway,
390
00:23:35,092 --> 00:23:39,006
please try to use your head a little.
391
00:23:39,014 --> 00:23:42,060
Like asking your acquaintance at the bank to pull some strings.
392
00:23:42,072 --> 00:23:46,026
There's plenty of ways to get it done, isn't there?
393
00:23:46,026 --> 00:23:51,074
You're here precisely for that reason.
394
00:23:55,018 --> 00:23:57,098
Use whatever connections you have and search high and low.
395
00:23:58,006 --> 00:24:01,050
City banks, local banks, credit unions. Whatever you can get by the end of the month.
396
00:24:01,050 --> 00:24:03,090
Or else we'll be in deep trouble.
397
00:24:05,014 --> 00:24:07,062
Don't rely on Tokyo Chuo anymore.
398
00:24:07,066 --> 00:24:09,034
We'll have to find the money on our own.
399
00:24:09,038 --> 00:24:12,052
Be prepared to stay out there until you have a loan in your hand. You got that?
400
00:24:15,088 --> 00:24:19,026
Can't even finalize a continuation of the loan, and yet, he's the department manager.
401
00:24:19,032 --> 00:24:21,054
It must be nice to be an ex-banker.
402
00:24:21,060 --> 00:24:24,078
Ogawa. It's rude to talk like that
403
00:24:24,080 --> 00:24:27,066
to Mr. Ex-Banker.
404
00:24:25,038 --> 00:24:28,098
Tamiya Electric Accounting Section Chief
NODA HIDEYUKI
405
00:24:28,024 --> 00:24:31,046
Oh, but I suppose that's why you're here,
406
00:24:31,046 --> 00:24:34,002
Mr. Ex-Banker.
407
00:24:34,004 --> 00:24:36,092
I find it hard to believe that the paperwork Kondo prepared was inadequate.
408
00:24:36,096 --> 00:24:40,036
I can only think that this Kozato guy doesn't have discerning eyes.
409
00:24:40,040 --> 00:24:44,034
But Hanzawa, this isn't the time to be worrying about others.
410
00:24:44,036 --> 00:24:48,088
Concentrate on Iseshima Hotel.
How's the restructuring plan coming along?
411
00:24:48,096 --> 00:24:53,050
What's there to come along when President Yuasa's gone overseas and I can't even talk to him.
412
00:24:53,066 --> 00:24:56,036
All Director Hane does is persist that the bank is at fault too.
413
00:24:56,036 --> 00:24:58,048
She won't even try to listen to us.
414
00:24:58,050 --> 00:25:00,076
Are you sure you're gonna be okay?
415
00:25:00,078 --> 00:25:02,072
Hanzawa. Tomari.
416
00:25:04,026 --> 00:25:07,082
Hakusui Bank Loan Department Deputy Manager
ABURAYAMA TETSUYA
417
00:25:05,080 --> 00:25:07,020
- Abu, how you been?
- Good.
418
00:25:07,022 --> 00:25:08,046
Looks like you gained some weight.
419
00:25:08,048 --> 00:25:11,080
Not just some, quite a bit.
I still go to Ramen Jiro's once a week.
420
00:25:11,086 --> 00:25:17,095
- Big Double Yasai Karakara me*?
- I'm too old now. I have to settle for a small double.
421
00:25:11,086 --> 00:25:17,095
* Extra ramen noodles, extra chashu x 2 plus extra vegetables, spicy x 2
422
00:25:18,008 --> 00:25:20,008
So, what's up?
423
00:25:20,058 --> 00:25:23,004
- Actually, it's about...
- Iseshima Hotel.
424
00:25:28,008 --> 00:25:29,082
You got it.
425
00:25:33,026 --> 00:25:37,012
Deputy Manager Hanzawa's wife is joining us for the first time today.
426
00:25:37,018 --> 00:25:40,084
As wives of husbands who all started out at the former Sangyo Chuo,
427
00:25:37,098 --> 00:25:41,060
Director Kishikawa's Residence
428
00:25:41,026 --> 00:25:43,098
I hope we can keep our acquaintance for a long time.
429
00:25:44,004 --> 00:25:48,072
Of course. I'm honored to be included in your group.
430
00:25:48,092 --> 00:25:52,064
Speaking of Deputy Manager Hanzawa, he's the ace of Operations Department 2,
431
00:25:52,068 --> 00:25:55,032
which is considered a superstar even within the bank.
432
00:25:55,042 --> 00:25:59,042
We're the ones who are honored to make acquaintance with the wife of someone like that.
433
00:25:59,050 --> 00:26:02,012
No, not at all. He isn't all that great...
434
00:26:02,016 --> 00:26:06,034
There's no need for you to be so modest.
435
00:26:06,034 --> 00:26:10,092
He's been entrusted with a critical mission for this next FSA inspection, hasn't he?
436
00:26:16,006 --> 00:26:20,030
So what, if this FSA inspection doesn't go well,
437
00:26:17,070 --> 00:26:21,012
Company Housing in Tokyo
438
00:26:20,034 --> 00:26:22,040
you're going to have to take responsibility again
439
00:26:22,046 --> 00:26:25,016
and might get transferred out somewhere?
440
00:26:25,018 --> 00:26:28,064
- It may come to that.
- What do you mean it may come to that?
441
00:26:28,070 --> 00:26:31,058
I'm not moving. It's only been a year since we came back.
442
00:26:31,062 --> 00:26:36,038
- There's no way I'm moving again.
- I'll do my best so that it doesn't come to that.
443
00:26:36,048 --> 00:26:39,040
Why did you accept such a difficult challenge?
444
00:26:39,044 --> 00:26:43,090
What can I do? It's the Chairman's order.
I couldn't say no.
445
00:26:45,016 --> 00:26:47,026
The Chairman's order?
446
00:26:47,032 --> 00:26:50,062
That's awesome. How cool is that~
447
00:26:50,066 --> 00:26:54,080
- You think that's cool?
- Heck yeah.
448
00:26:54,084 --> 00:26:57,006
But why did he choose you?
449
00:26:57,012 --> 00:26:59,070
Have you ever restructured a hotel before?
450
00:26:59,074 --> 00:27:02,002
Just once, a long time ago.
451
00:27:02,091 --> 00:27:04,060
Really?
452
00:27:05,082 --> 00:27:08,002
Deputy Manager Hanzawa, who is in charge of Iseshima Hotel,
453
00:27:08,002 --> 00:27:11,098
would like your consensus to request
454
00:27:12,000 --> 00:27:17,078
immediate repayment of the 20 billion-yen loan. Please give it your consideration.
455
00:27:17,082 --> 00:27:19,074
What is the Operations Department's opinion?
456
00:27:19,078 --> 00:27:21,098
We request immediate repayment.
457
00:27:22,000 --> 00:27:24,014
I am of the same opinion.
458
00:27:24,020 --> 00:27:28,090
I believe it's wiser to close an open wound when you can.
459
00:27:28,096 --> 00:27:33,010
Will Iseshima be all right if we pull out the 20 billion?
460
00:27:33,014 --> 00:27:36,014
Deputy Manager Hanzawa is of the opinion that we should pull out
461
00:27:36,020 --> 00:27:40,034
the entire amount for now, and give them a loan after a re-evaluation.
462
00:27:40,034 --> 00:27:42,022
I see.
463
00:27:44,016 --> 00:27:45,076
- Well then...
- One moment please.
464
00:27:46,050 --> 00:27:50,060
A short while ago, we received a call from Director Hane at Iseshima Hotel.
465
00:27:50,066 --> 00:27:51,096
From Hane-san?
466
00:27:52,000 --> 00:27:55,090
Iseshima Hotel's loan from its sub-bank, Hakusui Bank, was discontinued,
467
00:27:55,094 --> 00:27:59,008
and they also incurred a loss of 12 billion from investment failure.
468
00:27:59,014 --> 00:28:02,022
If, at this point, we take away 20 billion yen from them,
469
00:28:02,024 --> 00:28:05,074
she stated that their business foundation itself will be shaken, causing a major crisis.
470
00:28:05,076 --> 00:28:07,028
Director Kishikawa,
471
00:28:07,032 --> 00:28:12,066
the Chairman personally appointed Deputy Manager Hanzawa as Iseshima Hotel's banker.
472
00:28:12,074 --> 00:28:15,040
Are you implying that he erred in his judgment?
473
00:28:15,044 --> 00:28:16,078
That is certainly not what I meant.
474
00:28:16,080 --> 00:28:18,078
But wait a minute.
475
00:28:18,078 --> 00:28:21,090
If we were to force them to repay the 20 billion
476
00:28:21,090 --> 00:28:26,060
and if, as a result, Iseshima itself was to go bankrupt,
477
00:28:26,064 --> 00:28:28,080
we're certainly putting the cart before the horse.
478
00:28:28,084 --> 00:28:32,014
Chairman. In this regard,
479
00:28:32,022 --> 00:28:34,090
we ask for your careful judgment.
480
00:28:40,054 --> 00:28:44,032
In other words, we won't ask Iseshima Hotel to repay the 20 billion.
481
00:28:44,036 --> 00:28:45,056
- Is that right?
- That's right.
482
00:28:45,058 --> 00:28:49,040
But I'm still supposed to find a way to get through the FSA inspection?
483
00:28:51,076 --> 00:28:55,020
Fine. If that's the opinion of the Board of Directors,
484
00:28:55,022 --> 00:28:59,070
let's wait and see for a while. However, that decision is wrong.
485
00:28:59,082 --> 00:29:01,034
No matter what the circumstances are,
486
00:29:01,038 --> 00:29:04,056
we should not depart from the bank's principles.
487
00:29:04,060 --> 00:29:06,084
We should not be lending money that can't be recovered.
488
00:29:06,088 --> 00:29:10,028
I understand what you're saying. However,
489
00:29:10,030 --> 00:29:13,024
this decision was approved by the Chairman as well.
490
00:29:13,044 --> 00:29:18,012
Why is Iseshima Hotel refusing so obstinately to return the 20 billion?
491
00:29:19,026 --> 00:29:23,036
From Iseshima's perspective, if we're forced into providing a loan loss provision by FSA,
492
00:29:23,044 --> 00:29:26,048
it would be more of a blow to have their future funding stopped.
493
00:29:26,050 --> 00:29:29,072
In spite of that, they're not only refusing to return the loan, but
494
00:29:29,076 --> 00:29:35,014
they're not cooperating with our plans to deal with the FSA inspection.
495
00:29:35,022 --> 00:29:37,038
Something's not right.
496
00:29:37,056 --> 00:29:40,066
For the time being, everything's going according to our plan.
497
00:29:40,072 --> 00:29:42,096
But that banker by the name of Hanzawa
498
00:29:42,096 --> 00:29:45,040
seems to be sniffing around about this and that.
499
00:29:45,044 --> 00:29:49,032
Not that he'd be able to do anything before the FSA inspection.
500
00:29:49,034 --> 00:29:54,068
I'd like to continue a good business relationship with your bank for a very long time.
501
00:29:54,080 --> 00:29:58,042
Even after I become the president of Iseshima.
502
00:30:13,048 --> 00:30:15,024
Togoshi-san.
503
00:30:16,058 --> 00:30:18,080
You're the person who was in charge of accounting at Iseshima Hotel,
504
00:30:18,082 --> 00:30:21,012
Togoshi Shigenori-san, right?
505
00:30:21,014 --> 00:30:25,004
- Who the hell are you?
- My name is Hanzawa. I'm with Tokyo Chuo Bank.
506
00:30:25,006 --> 00:30:27,090
There's something I'd like to ask you.
507
00:30:27,092 --> 00:30:30,092
I have nothing to say to the likes of you.
508
00:30:31,002 --> 00:30:35,092
I heard about you from Hakusui Bank's Aburayama.
509
00:30:36,056 --> 00:30:40,068
Iseshima Hotel, while incurring a loss of 12 billion due to investment failure,
510
00:30:40,072 --> 00:30:42,054
tried to cover that up.
511
00:30:42,058 --> 00:30:46,046
You gave a tip-off to Hakusui Bank, didn't you?
512
00:30:46,072 --> 00:30:49,086
Thanks to you, Hakusui was able to hold back on the loan.
513
00:30:49,090 --> 00:30:51,032
So what if I did?
514
00:30:51,038 --> 00:30:52,084
Togoshi-san,
515
00:30:52,084 --> 00:30:57,088
why did you tell Hakusui and not us?
516
00:30:59,002 --> 00:31:00,012
Under normal circumstances,
517
00:31:00,014 --> 00:31:04,010
wouldn't you consider telling the main bank first?
518
00:31:09,082 --> 00:31:12,008
You're a hopeless fool, aren't you?
519
00:31:12,010 --> 00:31:13,094
You don't know anything.
520
00:31:20,006 --> 00:31:24,058
Don't tell me...did you inform our bank as well?
521
00:31:25,086 --> 00:31:28,004
But it was hushed up.
522
00:31:28,010 --> 00:31:31,034
Yeah. What's more, you guys at Tokyo Chuo
523
00:31:31,036 --> 00:31:34,064
snitched on me to Iseshima instead.
524
00:31:34,080 --> 00:31:37,088
In the end, I could no longer work at the hotel, and
525
00:31:38,028 --> 00:31:41,025
was picked up by this company.
526
00:31:41,025 --> 00:31:43,034
I'm like a waste material myself.
527
00:31:43,040 --> 00:31:45,040
Who at our bank did you talk to?
528
00:31:45,044 --> 00:31:48,080
Our banker at the time, who else!
529
00:31:49,058 --> 00:31:52,004
Now that you know, get out of my sight.
530
00:31:52,006 --> 00:31:55,032
If you don't, I might end up beating you up.
531
00:31:55,032 --> 00:31:56,090
Togoshi-san,
532
00:31:56,094 --> 00:31:59,048
for what Tokyo Chuo Bank did to you,
533
00:31:59,056 --> 00:32:03,052
I apologize on behalf of the bank.
I'm terribly sorry.
534
00:32:03,058 --> 00:32:06,030
Cut it out. What difference does it make now!
535
00:32:06,034 --> 00:32:10,074
Aburayama told me that thanks to you, they weren't deceived out of a loan,
536
00:32:10,076 --> 00:32:12,078
That he's grateful to you.
537
00:32:12,082 --> 00:32:17,076
I, too, stand by the courageous action you took.
538
00:32:17,090 --> 00:32:22,062
Won't you lend me a hand one more time to track down the man
539
00:32:22,070 --> 00:32:26,006
- who suppressed the information you gave?
- You've got to be kidding!
540
00:32:26,010 --> 00:32:29,064
You don't expect me to trust you guys, do you?
541
00:32:29,070 --> 00:32:32,088
Don't you ever show you face in front of me again.
542
00:32:39,088 --> 00:32:44,016
Where in the world did you come up with this talk about a tip-off.
543
00:32:44,020 --> 00:32:46,060
Weren't you told of the 12-billion yen investment failure
544
00:32:46,064 --> 00:32:50,082
by Iseshima Hotel's Accounting Section Chief Togoshi?
545
00:32:50,088 --> 00:32:54,082
- That's news to me.
- No, you knew about it.
546
00:32:54,086 --> 00:32:56,064
Togoshi-san said he told you.
547
00:32:56,066 --> 00:33:01,064
That's just nonsense spoken out of unjustified resentment by the man who was fired by the hotel.
548
00:33:01,072 --> 00:33:05,030
- It's foolish to take everything he says seriously.
- Kozato-san.
549
00:33:05,034 --> 00:33:08,052
If you want to speak the truth, now's the time.
550
00:33:08,056 --> 00:33:11,034
I've had enough already.
551
00:33:11,042 --> 00:33:15,058
Don't let it get to your head just because you made deputy manager at your age.
552
00:33:15,064 --> 00:33:18,008
If you insist on making false accusations against me,
553
00:33:18,012 --> 00:33:20,030
I can contact upper management at Headquarters
554
00:33:20,036 --> 00:33:25,096
and make an issue out of the way you do things, you know.
555
00:33:26,002 --> 00:33:28,060
I dare you to do it if you can.
556
00:33:28,064 --> 00:33:32,032
However, when your misconduct is exposed in due time,
557
00:33:32,040 --> 00:33:35,082
I'll show no mercy. It's double payback.
558
00:33:36,074 --> 00:33:38,074
Remember that.
559
00:33:46,056 --> 00:33:49,023
This guy is hiding something.
560
00:33:49,023 --> 00:33:51,022
Why did he hush up the tipoff?
561
00:33:51,022 --> 00:33:53,078
Did Director Hane, who wanted to get the loan,
562
00:33:53,084 --> 00:33:56,094
ask their banker, Kozato?
563
00:33:56,094 --> 00:34:00,042
No, Kozato's a wimp. He doesn't have the guts to take such a big risk
564
00:34:00,042 --> 00:34:02,082
that could get him fired should he get found out.
565
00:34:02,086 --> 00:34:05,070
It's hard to believe that Director Hane will deal with him.
566
00:34:05,070 --> 00:34:08,072
Is there some big shadow moving in the background?
567
00:34:08,084 --> 00:34:12,092
Unless I can track that down, we won't be able to get through the FSA inspection.
568
00:34:28,072 --> 00:34:30,029
President Yuasa.
569
00:34:30,029 --> 00:34:33,024
I just returned to Japan a short while ago.
570
00:34:33,024 --> 00:34:36,048
I thought I should see you as soon as possible. When I tried to contact you,
571
00:34:36,048 --> 00:34:38,040
I was told you were here.
572
00:34:38,080 --> 00:34:42,060
- Pleased to meet you. I'm Tokyo Chuo Bank's...
- Hanzawa Naoki.
573
00:34:42,064 --> 00:34:47,090
I'm the one who asked Chairman Nakanowatari to assign you as our banker.
574
00:34:43,058 --> 00:34:46,056
Iseshima Hotel President
YUASA TAKESHI
575
00:34:47,090 --> 00:34:51,046
I met you once a long time ago.
576
00:35:02,030 --> 00:35:06,076
Do you remember the conference on measures to support the restructuring of Dai-Tokyo Hotel?
577
00:35:06,082 --> 00:35:09,050
What are you afraid of?!
578
00:35:09,052 --> 00:35:13,040
If you're prepared to reform your management policies,
579
00:35:13,044 --> 00:35:18,054
Sangyo Chuo Bank will do everything we can to support you.
580
00:35:18,060 --> 00:35:20,040
You were there?
581
00:35:20,042 --> 00:35:23,088
I had just graduated school and was in training at that hotel.
582
00:35:23,094 --> 00:35:25,082
Is that so?
583
00:35:26,002 --> 00:35:27,084
Please.
584
00:35:28,052 --> 00:35:32,034
When the main bank and most other banks were pulling out,
585
00:35:32,046 --> 00:35:36,018
you, alone, aggressively looked for ways to support us,
586
00:35:36,020 --> 00:35:38,092
and even attended our management meetings and
587
00:35:38,096 --> 00:35:41,024
made every effort to revive the hotel.
588
00:35:41,028 --> 00:35:44,074
I've come in contact with many bankers to date, but
589
00:35:44,080 --> 00:35:48,002
I never met a person like you before or since.
590
00:35:48,008 --> 00:35:49,098
What made you go that far?
591
00:35:50,092 --> 00:35:54,060
If there's even a slight chance a patient can be saved, no doctor will sit back and do nothing.
592
00:35:54,062 --> 00:35:56,004
It's the same thing.
593
00:35:56,016 --> 00:35:59,070
I believed that I could save Dai-Tokyo Hotel.
594
00:35:59,070 --> 00:36:02,040
That's why I gave them my assistance. That's all.
595
00:36:02,048 --> 00:36:05,042
To those discerning, accurate eyes of yours,
596
00:36:06,014 --> 00:36:08,086
how does the current Iseshima Hotel appear?
597
00:36:08,090 --> 00:36:12,050
It's a mortally wounded goliath.
598
00:36:13,074 --> 00:36:15,054
But it's not dead yet.
599
00:36:15,056 --> 00:36:18,000
There's got to be a way to save it.
600
00:36:21,056 --> 00:36:25,006
I did what I could to come up with a new restructuring plan.
601
00:36:25,016 --> 00:36:28,002
We've been focusing on domestic and Western clientele until now, but
602
00:36:28,010 --> 00:36:30,094
I'm thinking about gaining customers mainly from Asia.
603
00:36:31,000 --> 00:36:35,034
I already signed contracts with major travel agencies in Shanghai and Singapore.
604
00:36:35,040 --> 00:36:36,092
That's why you went abroad?
605
00:36:36,092 --> 00:36:40,032
I've also commissioned Narusen to develop the latest IT system.
606
00:36:40,036 --> 00:36:43,064
You mean Narusen, that IT venture?
607
00:36:44,004 --> 00:36:48,060
By the end of the year, overseas customers will be able make reservations directly through our new system.
608
00:36:48,066 --> 00:36:51,086
In addition, I'm planning to invite experts from the outside
609
00:36:51,088 --> 00:36:53,072
and hold meetings to discuss innovation.
610
00:36:53,076 --> 00:36:56,094
In short, are you getting rid of
611
00:36:56,094 --> 00:36:59,040
the bad tradition that had been tying down your business?
612
00:36:59,048 --> 00:37:03,018
Bidding farewell to your father, the autocratic manager.
613
00:37:03,024 --> 00:37:05,090
Can I take it to mean that?
614
00:37:09,030 --> 00:37:11,056
If you're prepared to do that,
615
00:37:11,060 --> 00:37:14,014
I'm sure you will be able to revive your company.
616
00:37:14,022 --> 00:37:15,082
Thank you.
617
00:37:15,084 --> 00:37:19,046
But first, the FSA inspection.
618
00:37:19,052 --> 00:37:24,064
If we don't get through that, your hotel and the bank will both go bankrupt.
619
00:37:24,066 --> 00:37:26,066
Hanzawa-san.
620
00:37:26,066 --> 00:37:28,066
For both the 12 billion investment failure and
621
00:37:29,030 --> 00:37:32,038
failing to report that sooner,
622
00:37:32,044 --> 00:37:36,074
I apologize deeply.
623
00:37:40,006 --> 00:37:43,086
Didn't Director Hane do everything on her own?
624
00:37:44,054 --> 00:37:46,036
Even if she did,
625
00:37:46,088 --> 00:37:50,094
it's my fault for allowing her to do it.
626
00:37:51,064 --> 00:37:53,036
All right.
627
00:37:53,044 --> 00:37:56,062
Then, President, if you can finalize the restructuring plan and
628
00:37:56,066 --> 00:37:59,040
and look for ways to cover the 12 billion as soon as possible.
629
00:37:59,040 --> 00:38:02,059
- Got it.
- And...
630
00:38:02,059 --> 00:38:05,019
I have one more favor to ask.
631
00:38:26,032 --> 00:38:33,028
I, too, would like to pass the loan through for Tamiya Electric if at all possible.
632
00:38:33,032 --> 00:38:35,090
Thank you very much.
633
00:38:37,042 --> 00:38:39,090
Are you taking me for a fool? Huh?
634
00:38:43,022 --> 00:38:46,034
Just because you want a loan badly,
635
00:38:46,040 --> 00:38:51,062
how dare you bring in an unrealistic fake business plan like this.
636
00:38:53,004 --> 00:38:55,084
Fake...Surely you can't mean that...
637
00:38:55,084 --> 00:38:58,024
- What.
- Nothing...
638
00:39:00,052 --> 00:39:02,080
Won't you tell me specifically
639
00:39:02,080 --> 00:39:05,064
what's wrong with it?
So that I can fix it.
640
00:39:05,064 --> 00:39:09,024
I'm telling you that it's your job to find the answer.
641
00:39:09,026 --> 00:39:12,050
Can't you even understand a simple thing like that!
642
00:39:15,060 --> 00:39:18,048
No wonder you got kicked out of the bank.
643
00:39:19,028 --> 00:39:20,090
Listen.
644
00:39:21,012 --> 00:39:26,052
Come back with more realistic numbers.
645
00:39:26,056 --> 00:39:31,070
Otherwise, I ain't giving you a loan even if it kills me.
646
00:39:42,067 --> 00:39:45,014
426000 426000�
647
00:39:45,014 --> 00:39:48,074
336000 336000�
648
00:39:54,028 --> 00:39:56,047
2121 210�
649
00:39:56,047 --> 00:39:58,044
1214 1001
650
00:39:58,044 --> 00:40:00,050
1214 1001
651
00:40:00,050 --> 00:40:02,046
1214 1001�
652
00:40:02,046 --> 00:40:04,076
12�
653
00:40:08,098 --> 00:40:13,017
Are you sure you're a former banker?
You're a disgrace.
654
00:40:13,017 --> 00:40:17,014
If you can't do anything, what was the point in getting you from the bank.
655
00:40:18,064 --> 00:40:22,012
It's rude to talk like that to Mr. Ex-Banker.
656
00:40:44,047 --> 00:40:46,080
Kondo.
657
00:40:46,080 --> 00:40:49,045
Hanzawa...
658
00:40:49,045 --> 00:40:51,054
I...
659
00:40:57,066 --> 00:41:00,028
Come with me for a bit.
660
00:41:37,000 --> 00:41:40,047
Think back of our college days.
661
00:41:40,047 --> 00:41:42,028
Kondo!
662
00:42:21,048 --> 00:42:23,050
What?
663
00:42:25,038 --> 00:42:28,092
- Nothing.
- Got banged up on your head too much?
664
00:42:32,046 --> 00:42:34,066
Thanks.
665
00:42:50,056 --> 00:42:53,013
Hello. How have you been, Togoshi-san?
666
00:42:53,013 --> 00:42:54,028
You're late.
667
00:42:54,030 --> 00:42:56,084
I don't appreciate getting called out suddenly like this.
668
00:42:56,086 --> 00:43:00,058
I'm busy too what with the FSA inspection coming up.
669
00:43:00,070 --> 00:43:03,010
Hey, give me a draft.
670
00:43:05,090 --> 00:43:08,044
Give me one more.
671
00:43:08,044 --> 00:43:11,045
Sounds like Iseshima's getting singled out for the FSA inspection, huh?
672
00:43:11,045 --> 00:43:14,047
You're well informed. But that's none of your business.
673
00:43:14,047 --> 00:43:16,030
Since you don't belong to Iseshima anymore.
674
00:43:16,034 --> 00:43:19,068
- Whose fault is it that I'm like this...
- Isn't it your own fault?
675
00:43:19,074 --> 00:43:22,040
I told you there was going to be a loss of 12 billion.
676
00:43:22,040 --> 00:43:25,048
- Why did you ignore it?
- That again?
677
00:43:25,084 --> 00:43:30,011
And to think I took time out of my busy schedule to meet with you.
678
00:43:30,011 --> 00:43:31,086
That's all over already.
679
00:43:31,090 --> 00:43:34,052
- Nothing's over for me yet.
- No, it's over.
680
00:43:34,054 --> 00:43:36,024
You're to blame for everything.
681
00:43:36,026 --> 00:43:39,066
It's because you did something outrageous like blowing the whistle.
682
00:43:39,078 --> 00:43:42,074
But you hushed it up and snitched on me to Director Hane, didn't you?
683
00:43:42,074 --> 00:43:47,080
I told you that's a misunderstanding. I told my boss like I was supposed to.
684
00:43:47,080 --> 00:43:50,018
It wasn't me that covered it up, but someone above me.
685
00:43:50,018 --> 00:43:52,086
- Who was it?
- That's none of your business.
686
00:43:52,092 --> 00:43:55,022
If you're gonna keep on talking nonsense, I'm leaving.
687
00:43:55,024 --> 00:43:58,084
No, you need to stay and talk.
Although it's not with me.
688
00:43:58,094 --> 00:44:01,083
Some bankers these days are idiots, huh?
689
00:44:01,083 --> 00:44:04,014
You never know who's sitting at the next table, but
690
00:44:04,016 --> 00:44:07,057
here he is, loudly babbling insider information without a care.
691
00:44:07,057 --> 00:44:08,096
That's for sure.
692
00:44:09,000 --> 00:44:12,046
So you knew a loss was going to be sustained, but you didn't report it.
693
00:44:12,052 --> 00:44:15,092
That could get you in trouble, huh?
Kozato-kun.
694
00:44:15,098 --> 00:44:17,096
- You guys...
- Okay, let's hear
695
00:44:18,000 --> 00:44:20,036
- what really happened.
- I don't know what you're talking about.
696
00:44:20,040 --> 00:44:22,084
We recorded your earlier conversation in its entirety.
697
00:44:22,090 --> 00:44:26,070
Giving lame excuses at this point in time would only be unsightly.
698
00:44:28,014 --> 00:44:31,074
Kozato, from Togoshi-san's tip-off,
699
00:44:31,080 --> 00:44:34,046
you knew that Iseshima was going to have a huge deficit.
700
00:44:34,052 --> 00:44:38,080
In spite of that, you covered it up, and proceeded with the loan.
701
00:44:39,000 --> 00:44:41,079
Why did you do that?
702
00:44:41,079 --> 00:44:46,009
Remember what I told you. If the truth becomes known later, I'll show no mercy.
703
00:44:47,012 --> 00:44:49,012
Answer me, Kozato!
704
00:44:52,011 --> 00:44:54,045
I'm sorry.
705
00:44:54,045 --> 00:44:57,058
But believe me. I
706
00:44:57,068 --> 00:45:01,002
did report it to Manager Kaise.
707
00:45:01,012 --> 00:45:04,060
But I was told to wait and see how goes it goes for a while...
708
00:45:04,062 --> 00:45:06,092
You did everything on Manager Kaise's order?
709
00:45:06,094 --> 00:45:08,034
- I don't believe you.
- I'm not lying.
710
00:45:08,034 --> 00:45:10,024
- Please believe me.
- Where's the proof?
711
00:45:10,024 --> 00:45:12,008
- Proof?
- I'm talking about the proof that
712
00:45:12,055 --> 00:45:14,097
you reported the tip-off to the branch manager.
713
00:45:14,097 --> 00:45:17,088
You didn't just tell him verbally, did you?
There should be a written report.
714
00:45:17,092 --> 00:45:21,096
There is, but it's among the files to be moved temporarily.
715
00:45:22,000 --> 00:45:23,072
Where are those files right now?
716
00:45:23,074 --> 00:45:26,028
In the vault at Kyobashi Branch.
717
00:45:26,046 --> 00:45:29,012
But before the FSA inspection starts,
718
00:45:29,012 --> 00:45:31,088
the Branch Manager's supposed to take them to his residence.
719
00:45:31,090 --> 00:45:34,088
- His residence would be tricky.
- When's he transporting them?
720
00:45:34,094 --> 00:45:38,044
Tonight, at 10:00. By car.
721
00:45:38,082 --> 00:45:42,022
9:15 PM
722
00:45:42,072 --> 00:45:44,002
We're gonna go get it right now.
723
00:45:44,002 --> 00:45:46,050
Are you serious? It's too late already.
724
00:45:46,054 --> 00:45:50,019
Do you think I can leave a dangerous thing like that with you guys?
725
00:45:50,019 --> 00:45:52,076
Just think what would happen if FSA gets a hold of it.
726
00:45:52,080 --> 00:45:54,062
We'll get orders to improve business operations at once.
727
00:45:54,064 --> 00:45:59,028
And Tokyo Chuo Bank will lose credibility.
728
00:45:59,076 --> 00:46:02,080
I'll take it before the FSA inspection starts.
729
00:46:03,046 --> 00:46:06,054
But that's impossible. You know that
730
00:46:06,064 --> 00:46:09,060
only the section chief in charge can enter the vault, don't you?
731
00:46:09,064 --> 00:46:12,081
You gotta try first before you say it's impossible.
732
00:46:12,081 --> 00:46:14,080
Anyway, let's go.
733
00:46:14,080 --> 00:46:19,013
If I cooperate, you'll overlook what I did, right?
734
00:46:19,013 --> 00:46:21,020
Why would I do that?
735
00:46:21,047 --> 00:46:24,046
You'll just get a slightly less severe disciplinary action, that's all.
736
00:46:24,046 --> 00:46:29,011
But if you don't cooperate, I'll broadcast your earlier conversation throughout the bank.
737
00:46:29,026 --> 00:46:31,008
If that happens, you're
738
00:46:31,012 --> 00:46:34,052
fired without a severance pay.
739
00:46:39,080 --> 00:46:43,026
Kyobashi Branch Employees Only Passageway
740
00:46:46,013 --> 00:46:49,046
In order to open the door of a vault at the bank,
741
00:46:49,046 --> 00:46:54,045
an 8-digit pass code must be entered first.
742
00:46:54,045 --> 00:46:58,056
Next, the key is used to unlock the door, but
743
00:46:58,026 --> 00:47:02,074
Key Box
744
00:46:58,056 --> 00:47:02,044
that key is stored in the key box, and
745
00:47:02,066 --> 00:47:04,084
to open that key box,
746
00:47:05,013 --> 00:47:09,013
yet another pass code is required.
747
00:47:09,014 --> 00:47:10,098
These pass codes are
748
00:47:11,000 --> 00:47:14,079
controlled by a different section chief in charge every week,
749
00:47:14,079 --> 00:47:17,086
and even the branch manager does not have access to them.
750
00:47:17,088 --> 00:47:21,034
It's already 9:30. At 10:00, the Branch Manager and Section Chief in Charge will be here.
751
00:47:21,040 --> 00:47:24,030
- Where's the desk of the Section Chief in Charge?
- Over there, in the back.
752
00:47:24,034 --> 00:47:26,024
- Where's he from?
- Was it Nagoya?
753
00:47:26,024 --> 00:47:30,008
Are you stupid! I'm asking which he's from. Tokyo Daiichi or Sangyo Chuo.
754
00:47:30,012 --> 00:47:32,030
- He's from Sangyo Chuo.
- How old is he?
755
00:47:32,034 --> 00:47:34,090
- Maybe 42, 43?
- All right. Then...
756
00:47:36,032 --> 00:47:38,013
What are you going to do?
757
00:47:41,060 --> 00:47:44,042
Hey, what the heck are you doing?
758
00:47:45,052 --> 00:47:47,080
Found it.
759
00:47:51,004 --> 00:47:52,094
The pass code has 8 digits.
760
00:47:52,098 --> 00:47:56,014
Just in case you forget it, taping it under the desk like this
761
00:47:56,016 --> 00:47:59,000
is the bad tradition of a group of us that entered Sangyo Chuo during the Bubble Era.
762
00:47:59,004 --> 00:48:03,022
But the key. There's a different pass code for the key box.
763
00:48:03,092 --> 00:48:05,096
1214
764
00:48:05,098 --> 00:48:09,082
The last four digits never change. 1001.
765
00:48:11,002 --> 00:48:15,034
Thanks to you, I came here numerous times and was terrorized by you every time.
766
00:48:15,058 --> 00:48:19,013
To escape from reality, I memorized these numbers.
767
00:48:19,052 --> 00:48:21,040
All right!
768
00:49:04,082 --> 00:49:08,050
There they are! Those two boxes.
769
00:49:37,096 --> 00:49:39,060
They're here.
770
00:49:39,062 --> 00:49:41,026
Give it up!
771
00:49:46,084 --> 00:49:50,004
Hey Hanzawa, we'd better stop here...
772
00:49:54,092 --> 00:49:57,097
- We're dead. They're almost here.
- Close the door.
773
00:49:57,097 --> 00:50:00,048
- What?
- Just close the door for now.
774
00:50:15,066 --> 00:50:18,040
Oh, good evening, Manager.
775
00:50:18,040 --> 00:50:19,072
What are you doing here, Kozato?
776
00:50:19,074 --> 00:50:23,082
I thought I'd help you bring the files out.
777
00:50:24,002 --> 00:50:26,050
- Really? Thanks.
- Not at all.
778
00:50:26,052 --> 00:50:28,080
Chief Haide, if you can get to work at once.
779
00:50:49,002 --> 00:50:50,036
What're you doing? Give him a hand.
780
00:51:05,032 --> 00:51:07,032
Bring them out.
781
00:51:18,007 --> 00:51:20,054
Hey, what're you doing? Hurry up!
782
00:51:20,070 --> 00:51:22,042
Kozato, do something.
783
00:51:22,052 --> 00:51:25,008
If they close the door now, we're stuck here till tomorrow morning.
784
00:51:25,010 --> 00:51:28,096
Why the hell are you standing still.
Move it!
785
00:51:36,050 --> 00:51:38,052
I'm terribly sorry.
786
00:51:38,056 --> 00:51:42,047
I'll bring it out right away, so can you go ahead and take that one first?
787
00:51:42,060 --> 00:51:44,020
You'd better hurry.
788
00:51:44,026 --> 00:51:45,086
Let's go.
789
00:51:57,045 --> 00:52:00,000
That's why I told you it was impossible.
790
00:52:00,004 --> 00:52:03,052
You're wrong.
Where there's a will, there's a way.
791
00:52:05,004 --> 00:52:07,078
LOSS OF 12 BILLION YEN DUE TO
INVESTMENT FAILURE AT ISESHIMA HOTEL
792
00:52:05,004 --> 00:52:06,042
This matter to be discussed
at a later date
793
00:52:08,012 --> 00:52:09,036
Banker in Charge
794
00:52:08,012 --> 00:52:09,036
(Kozato)
795
00:52:09,050 --> 00:52:11,008
Branch Manager
796
00:52:09,050 --> 00:52:11,008
(Kaise)
797
00:52:10,036 --> 00:52:12,014
Manager Kaise
798
00:52:12,014 --> 00:52:15,074
will have a lot of explaining to do later on.
799
00:52:18,079 --> 00:52:20,026
You're a lifesaver, Kondo.
800
00:52:20,034 --> 00:52:23,020
If you weren't there, we wouldn't have been able to open the vault.
801
00:52:23,024 --> 00:52:26,074
No, I'm the one who should thank you.
802
00:52:27,036 --> 00:52:29,016
About the loan...
803
00:52:29,024 --> 00:52:32,084
Kozato! I'm telling you one more thing.
804
00:52:32,098 --> 00:52:37,061
I hear you're balking to approve Tamiya Electric's request for loan.
805
00:52:38,004 --> 00:52:40,036
That's because, uh...the required information is...
806
00:52:40,040 --> 00:52:44,036
While it's true parts of President Tamiya's vision in the mid-term plan is hard to grasp,
807
00:52:44,046 --> 00:52:48,090
but even you take away that part, it's realistic and well-written.
808
00:52:48,098 --> 00:52:52,044
- What's wrong with it? Tell me.
- That's uh...
809
00:52:52,048 --> 00:52:56,036
The Branch Manager told me not to easily approve loans before the FSA inspection...
810
00:52:56,038 --> 00:52:59,015
Is everything someone else's fault?!
811
00:53:00,054 --> 00:53:03,092
Guys like you aren't qualified to make credit decisions.
812
00:53:03,096 --> 00:53:06,060
Approve it tomorrow! You got that?
813
00:53:09,030 --> 00:53:13,086
I knew it, but still, you're amazing. You haven't changed a bit.
814
00:53:14,028 --> 00:53:18,074
When I'm with you, I feel as if I can go back to being the old me.
815
00:53:18,084 --> 00:53:21,028
You haven't changed a bit either.
816
00:53:21,081 --> 00:53:26,046
You're in there fighting for Tamiya Electric.
817
00:53:26,046 --> 00:53:31,052
Your title or where you're at may change, but you're still you.
818
00:53:31,062 --> 00:53:33,024
Right?
819
00:53:43,054 --> 00:53:45,042
Togoshi-san, thank you.
820
00:53:45,044 --> 00:53:47,018
Thanks to your cooperation,
821
00:53:47,022 --> 00:53:49,088
we're starting to see what's going on.
822
00:53:49,090 --> 00:53:51,094
You don't have to thank me for anything.
823
00:53:51,096 --> 00:53:56,017
In the first place, I wanted to give Kozato hell too.
824
00:53:56,034 --> 00:53:59,054
And I'm going back to work for Iseshima Hotel.
825
00:53:59,058 --> 00:54:02,060
Is that right? I'm happy for you.
826
00:54:03,048 --> 00:54:06,065
You put in a word for me, didn't you? To President Yuasa.
827
00:54:07,028 --> 00:54:09,088
I have one more favor to ask...
828
00:54:10,002 --> 00:54:13,064
It's about Togoshi-san, who once worked for you.
829
00:54:14,028 --> 00:54:17,042
President Yuasa called me personally and apologized.
830
00:54:17,046 --> 00:54:19,058
He said you told him what had happened.
831
00:54:19,066 --> 00:54:23,035
I just told him the truth.
832
00:54:23,035 --> 00:54:26,099
In all honesty, my distrust for Tokyo Chuo Bank won't go away.
833
00:54:26,099 --> 00:54:28,072
But
834
00:54:28,088 --> 00:54:32,068
as slight as you are, you're like a wild boar. The fact that you're our banker
835
00:54:32,072 --> 00:54:34,094
is my only ray of hope.
836
00:54:36,046 --> 00:54:39,048
Please save Iseshima Hotel.
837
00:54:39,074 --> 00:54:41,044
I'm counting on you.
838
00:54:41,052 --> 00:54:45,010
As your banker, I will do my utmost best.
839
00:54:52,004 --> 00:54:55,098
That report you got.
Whose signature was on it?
840
00:54:56,066 --> 00:54:59,012
Branch Manager Kaise's.
841
00:55:00,078 --> 00:55:03,050
If I say this, all the effort you put into it
842
00:55:03,052 --> 00:55:05,094
may have been for naught, but
843
00:55:07,019 --> 00:55:12,015
the relationship between the previous Kyobashi Branch Manager and Iseshima is shrouded in darkness.
844
00:55:12,015 --> 00:55:15,050
The previous branch manager?
845
00:55:15,050 --> 00:55:19,079
Kaise is merely the entrance to that darkness.
He's the lizard's tail.
846
00:55:20,008 --> 00:55:21,050
Instead, it's someone further up...
847
00:55:21,052 --> 00:55:23,034
Hanzawa.
848
00:55:23,034 --> 00:55:25,096
Executive Director Owada would like to see you.
849
00:55:30,098 --> 00:55:33,046
He's the one at the center of the darkness.
850
00:55:33,050 --> 00:55:36,010
Look for evidence against him.
851
00:55:47,023 --> 00:55:51,015
Good morning.
852
00:56:01,076 --> 00:56:04,028
Everyone, I have something to say.
853
00:56:04,090 --> 00:56:09,096
I got a call from Tokyo Chuo Bank. The loan has been approved.
854
00:56:11,004 --> 00:56:15,022
It's about time. It sure took a long time.
855
00:56:15,024 --> 00:56:16,098
Considering you're Mr. Ex-Banker.
856
00:56:17,000 --> 00:56:20,012
I apologize for my lack of ability.
857
00:56:20,044 --> 00:56:21,064
From now on,
858
00:56:21,066 --> 00:56:24,048
I'll work harder to serve this company.
859
00:56:24,056 --> 00:56:27,034
Please give me your cooperation.
860
00:56:27,042 --> 00:56:32,084
There's no need to push yourself. We'll just keep on doing what we've been doing.
861
00:56:32,088 --> 00:56:34,064
Right, Chief?
862
00:56:34,090 --> 00:56:36,064
That's right.
863
00:56:39,020 --> 00:56:41,028
To get straight to the point,
864
00:56:41,028 --> 00:56:44,028
I'd like to write up a detailed plan for the future.
865
00:56:44,030 --> 00:56:47,012
Can you get me the financial statements through the last term?
866
00:56:48,080 --> 00:56:50,076
Kondo-san.
867
00:56:50,076 --> 00:56:53,028
How many times do I have to tell you?
868
00:56:53,047 --> 00:56:56,014
I'll take care of everything.
869
00:56:56,014 --> 00:56:58,034
Please leave well enough alone.
870
00:56:58,040 --> 00:57:00,081
You...
871
00:57:00,081 --> 00:57:04,079
you just worry about getting money from the bank.
872
00:57:04,079 --> 00:57:07,015
You're Mr. Ex-Banker after all.
873
00:57:10,000 --> 00:57:13,020
Okay, let's get back to work.
874
00:57:20,013 --> 00:57:23,008
Think back of our college days. Kondo!
875
00:57:30,046 --> 00:57:33,052
Where there's a will, there's a way.
876
00:57:34,012 --> 00:57:37,046
Guys like you aren't qualified to make credit decisions.
877
00:57:37,046 --> 00:57:38,092
Approve it tomorrow!
878
00:57:38,098 --> 00:57:43,088
Your title or where you're at may change, but you're still you.
879
00:57:44,002 --> 00:57:45,058
Right?
880
00:57:50,032 --> 00:57:52,058
Noda-san.
881
00:57:52,058 --> 00:57:54,048
Please.
882
00:57:54,048 --> 00:57:56,022
Please bring me the financial statements.
883
00:57:56,080 --> 00:58:01,010
Stop pestering me. I told you to stay out it.
884
00:58:05,034 --> 00:58:07,030
Noda!
885
00:58:08,054 --> 00:58:11,044
I said bring me the financial statements.
886
00:58:15,004 --> 00:58:17,042
Let me tell you one thing.
887
00:58:18,072 --> 00:58:21,006
Right now, I'm
888
00:58:21,018 --> 00:58:24,098
the Accounting Department Manager at Tamiya Electric.
889
00:58:25,066 --> 00:58:27,094
Don't you ever
890
00:58:27,096 --> 00:58:31,032
call me Mr. Ex-Banker again.
891
00:58:33,078 --> 00:58:35,080
Noda.
892
00:58:35,080 --> 00:58:37,080
Answer me!
893
00:58:43,029 --> 00:58:45,029
Ogawa!
894
00:58:47,042 --> 00:58:49,015
That goes for you too.
895
00:59:08,086 --> 00:59:12,008
What is it that you wanted to ask me?
896
00:59:12,046 --> 00:59:14,058
I heard a rumor that
897
00:59:14,064 --> 00:59:20,081
you're investigating some kind of misconduct at Kyobashi Branch. Is that true?
898
00:59:21,086 --> 00:59:24,084
Yes. It's true.
899
00:59:24,088 --> 00:59:27,076
That doesn't sound good.
900
00:59:28,014 --> 00:59:30,060
With the FSA inspection right around the corner,
901
00:59:30,064 --> 00:59:35,076
as Executive Director, I can't very well disregard rumors of misconduct.
902
00:59:35,080 --> 00:59:40,013
Tell me the details, if you don't mind.
903
00:59:41,078 --> 00:59:43,038
What's wrong, Hanzawa.
904
00:59:43,038 --> 00:59:46,038
Tell us everything you know.
905
00:59:46,042 --> 00:59:48,018
All right.
906
00:59:49,044 --> 00:59:54,080
The truth is, there was an individual who tipped off the bank that
907
00:59:54,092 --> 00:59:58,016
Iseshima Hotel incurred a loss of 12 billion.
908
00:59:59,010 --> 01:00:00,032
However,
909
01:00:00,038 --> 01:00:04,047
Branch Manager Kaise and Deputy Manager Kozato at Kyobashi Branch
910
01:00:04,047 --> 01:00:06,094
suppressed that tipoff and
911
01:00:07,014 --> 01:00:09,048
although they knew we'd sustain a loss,
912
01:00:09,078 --> 01:00:14,004
they worked around it so that Iseshima's 20-billion loan would be approved.
913
01:00:14,010 --> 01:00:18,014
Kaise-kun and Kozato-kun did that?!
Do you have proof?
914
01:00:18,040 --> 01:00:19,090
I do.
915
01:00:19,096 --> 01:00:22,020
What kind of proof? Let's see it.
916
01:00:22,024 --> 01:00:25,076
- I can't show it to you right now.
- How come?
917
01:00:25,086 --> 01:00:29,036
I'm safeguarding it as the most important temporarily moved file.
918
01:00:29,040 --> 01:00:31,098
What's more,
919
01:00:32,024 --> 01:00:33,098
behind this misconduct,
920
01:00:34,020 --> 01:00:39,019
there's a possibility someone else gave orders to Manager Kaise.
921
01:00:39,056 --> 01:00:41,072
Until it becomes clear as to who that is,
922
01:00:41,080 --> 01:00:44,056
I believe it best to refrain from disclosing it too easily.
923
01:00:44,068 --> 01:00:46,096
I see.
924
01:00:47,054 --> 01:00:53,078
But then, if it's someone who can give orders to Manager Kaise...
925
01:00:53,086 --> 01:00:59,013
First, the previous branch manager at Kyobashi Branch. Manager Kishikawa.
926
01:01:00,032 --> 01:01:01,080
Was it you?!
927
01:01:01,080 --> 01:01:04,016
- You must be joking.
- Oh, it's not you.
928
01:01:04,020 --> 01:01:06,048
If it's not you,
929
01:01:06,054 --> 01:01:11,032
the branch manager at Kyobashi Branch before you, me.
930
01:01:11,046 --> 01:01:14,060
Before me, it was Ito-san who went to Teikoku Jukou.
931
01:01:14,064 --> 01:01:16,094
- Before that was...
- Unfortunately,
932
01:01:16,096 --> 01:01:20,006
the branch managers prior to you
933
01:01:20,018 --> 01:01:22,074
have all retired.
934
01:01:24,012 --> 01:01:26,042
Those who were previous branch managers and still active
935
01:01:26,042 --> 01:01:27,074
are just you two.
936
01:01:28,016 --> 01:01:30,010
That's not good.
937
01:01:30,020 --> 01:01:31,072
At this rate,
938
01:01:31,072 --> 01:01:33,072
we're going to be turned into suspects.
939
01:01:36,008 --> 01:01:39,012
That's our Hanzawa-kun. Even his jokes are top-notch.
940
01:01:39,012 --> 01:01:41,068
I didn't intend for it to be a joke.
941
01:01:41,076 --> 01:01:43,068
As Iseshima's banker,
942
01:01:43,074 --> 01:01:46,072
I think it's only natural that I suspect you two.
943
01:01:47,033 --> 01:01:50,063
In any case, Kyobashi Branch is
944
01:01:50,063 --> 01:01:53,097
the root of corruption at Iseshima.
945
01:01:54,018 --> 01:01:57,000
- That's what I'm suspecting.
- That's my point.
946
01:01:57,004 --> 01:01:59,086
When I was the branch manager there,
947
01:01:59,098 --> 01:02:02,062
there were absolutely no problems.
948
01:02:02,064 --> 01:02:07,046
This problem arose as soon as the responsibility was transferred to Corporate Finance.
949
01:02:07,046 --> 01:02:10,030
Corporate Finance Department, which is lead by the former Tokyo Daiichi,
950
01:02:10,047 --> 01:02:14,012
is precisely the root of corruption. That's what I believe.
951
01:02:14,012 --> 01:02:17,046
The loan to Iseshima was already approved
952
01:02:17,046 --> 01:02:19,086
prior to the transfer to Corporate Finance.
953
01:02:19,090 --> 01:02:21,088
In spite of that, you
954
01:02:21,098 --> 01:02:26,045
pushed off all responsibility to Tokieda, who was only assigned there for 3 months,
955
01:02:26,045 --> 01:02:28,095
and transferred him out, didn't you?
956
01:02:28,095 --> 01:02:33,047
Personnel management is everything at a bank...
957
01:02:33,072 --> 01:02:36,022
That must be how you've been
958
01:02:36,022 --> 01:02:41,000
getting rid of people who get in the way, people who become unnecessary.
959
01:02:42,018 --> 01:02:45,013
Please tell me one thing.
960
01:02:45,013 --> 01:02:48,050
What kind of a bank is it that Executive Director Owada is aiming for?
961
01:02:48,054 --> 01:02:51,014
- What is this, out of the blue.
- That's all right.
962
01:02:54,064 --> 01:02:56,070
Why, of course
963
01:02:58,020 --> 01:03:01,058
the best mega-bank in the world that supports this country's economy.
964
01:03:02,012 --> 01:03:05,092
Our mega-bank cannot collapse.
965
01:03:05,098 --> 01:03:09,012
That, we have to defend to the end.
If we should collapse,
966
01:03:09,058 --> 01:03:13,071
do you know how many millions of people will be out in the cold?
967
01:03:13,086 --> 01:03:18,052
In order for the bank, this Japanese economy, to survive,
968
01:03:18,058 --> 01:03:22,072
some sacrifice is inevitable.
I'm being realistic here.
969
01:03:23,062 --> 01:03:29,036
- Don't you think so? Hanzawa-kun.
- No.
970
01:03:29,054 --> 01:03:31,074
That's not what I think.
971
01:03:32,072 --> 01:03:38,012
Banks are nothing more than money lenders, Executive Director.
972
01:03:38,044 --> 01:03:42,098
We're here to lend money and make money off interest.
973
01:03:42,098 --> 01:03:44,082
That's all.
974
01:03:45,078 --> 01:03:48,028
Isn't that precisely why
975
01:03:48,032 --> 01:03:51,024
we need to ascertain who we lend money to with discerning eyes,
976
01:03:51,028 --> 01:03:55,044
and bear responsibility for those people's future?
977
01:03:58,046 --> 01:04:03,013
Refusing to lose out to competition, rivalry between factions. That's all fine and dandy.
978
01:04:03,013 --> 01:04:06,038
But there's one thing we must not forget.
979
01:04:06,052 --> 01:04:10,000
That's the fact that we, bankers,
980
01:04:10,006 --> 01:04:12,079
aren't working to protect the bank,
981
01:04:12,079 --> 01:04:17,046
but to protect the working people of this country.
982
01:04:17,062 --> 01:04:19,094
Citizens don't exist for the bank, but
983
01:04:20,011 --> 01:04:22,080
banks have to exist for the citizens.
984
01:04:22,080 --> 01:04:27,010
We must not forget that belief.
985
01:04:29,048 --> 01:04:31,086
We are not
986
01:04:32,022 --> 01:04:36,032
working for our superiors or the organization.
987
01:04:37,046 --> 01:04:40,054
No matter how small the business is,
988
01:04:40,066 --> 01:04:43,079
as long as they're working earnestly,
989
01:04:43,096 --> 01:04:48,004
we don't have the right to trample on their livelihood.
990
01:04:48,046 --> 01:04:50,052
Sure, I understand.
991
01:04:50,058 --> 01:04:51,088
But you know,
992
01:04:51,098 --> 01:04:55,022
we're both basically saying the same thing.
993
01:04:55,024 --> 01:04:59,014
It's just a matter of difference in perspective.
994
01:04:59,024 --> 01:05:01,084
You understand, don't you?
995
01:05:03,038 --> 01:05:05,022
Let's get back to the subject. What were we talking about?
996
01:05:05,028 --> 01:05:10,011
Somebody suppressed the tipoff regarding Iseshima Hotel.
997
01:05:10,011 --> 01:05:14,012
Who that somebody is, and why he did that,
998
01:05:14,012 --> 01:05:16,012
I don't know yet.
999
01:05:16,012 --> 01:05:18,030
But it's a fact that
1000
01:05:18,034 --> 01:05:22,078
Iseshima Hotel sustained a big damage because of this issue.
1001
01:05:22,082 --> 01:05:24,086
I...
1002
01:05:24,096 --> 01:05:30,053
as their banker, will do everything I can to protect Iseshima Hotel.
1003
01:05:30,053 --> 01:05:34,017
Even if I have to grovel in the ground, even if I have to get down on my knees,
1004
01:05:34,017 --> 01:05:36,094
I'll revive Iseshima.
1005
01:05:37,002 --> 01:05:39,002
In order to do that,
1006
01:05:39,002 --> 01:05:41,046
no matter who my opponent is,
1007
01:05:41,078 --> 01:05:44,032
I'm prepared to fight with everything I have.
1008
01:05:45,092 --> 01:05:47,058
Please remember that.
1009
01:05:47,060 --> 01:05:49,074
Get down on your knees?
1010
01:05:54,046 --> 01:05:58,024
That's just a worthless show for people who want sympathy.
1011
01:05:58,026 --> 01:06:00,050
It means nothing.
1012
01:06:00,052 --> 01:06:03,090
It's true, I've had many folks cling on to my legs.
1013
01:06:03,098 --> 01:06:07,008
But it didn't make sense to me.
1014
01:06:07,080 --> 01:06:10,060
The folks who did that, every one of them,
1015
01:06:10,066 --> 01:06:13,060
they were incompetent people.
1016
01:06:14,020 --> 01:06:16,096
You probably wouldn't understand.
1017
01:06:17,042 --> 01:06:19,086
The people who get down on their knees...
1018
01:06:21,012 --> 01:06:23,060
their desperation,
1019
01:06:24,050 --> 01:06:27,010
their frustration...
1020
01:06:47,044 --> 01:06:49,030
Executive Director Owada.
1021
01:06:49,038 --> 01:06:53,030
If I'm unable to save Iseshima Hotel,
1022
01:06:54,018 --> 01:06:57,082
for all the disrespectful things I said to you,
1023
01:06:58,004 --> 01:07:00,081
I will get down on my knees and apologize.
1024
01:07:01,016 --> 01:07:02,079
However,
1025
01:07:02,079 --> 01:07:06,082
if you're the one who ordered the cover up,
1026
01:07:08,056 --> 01:07:10,083
please get down your on knees and apologize.
1027
01:07:11,028 --> 01:07:13,000
Don't push your luck, Hanzawa!
1028
01:07:13,002 --> 01:07:18,040
I'm talking to the Executive Director.
I'd appreciate it if you didn't break into our conversation.
1029
01:07:19,080 --> 01:07:21,062
Fine.
1030
01:07:21,096 --> 01:07:26,000
If you can do such a thing, that is.
1031
01:07:27,076 --> 01:07:29,050
Go ahead and give it a try.
1032
01:07:42,000 --> 01:07:45,082
FSA INSPECTION DAY 1
1033
01:08:12,013 --> 01:08:17,080
Financial Services Agency, Inspection Bureau. I'm Chief Inspector Kurosaki.
1034
01:08:17,080 --> 01:08:22,040
We will now conduct the FSA inspection.
1035
01:08:23,066 --> 01:08:25,047
Nice to meet you.
1036
01:08:35,062 --> 01:08:38,030
Long time no see.
84971
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