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Tokyo Chuo Bank gave Iseshima Hotel, one of its major customers,
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a loan of 20 billion yen.
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Subsequently, however, it was discovered they had incurred a loss of
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12 billion yen due to investment failure in stocks.
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Right around that time, there was a phone call from FSA.
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An FSA inspection?
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If Iseshima Hotel, which incurred a loss of 12 billion yen, is determined to be
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an effectively bankrupt borrower,
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the bank will have to come up with
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an enormous loan loss provision in excess of 150 billion yen.
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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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Hanzawa was ordered by the Chairman to save the bank from that crisis.
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Hanzawa had but one mission.
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To prevent Iseshima Hotel from
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being classified by FSA as an effectively bankrupt borrower.
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However, he discovers that behind Iseshima Hotel's investment failure
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was a cover-up in order to obtain a loan,
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and that a handful of people from the bank conspired with the hotel
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in executing a fraudulent loan.
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Hanzawa gets on the move to save the bank and the hotel.
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But in the midst of the FSA inspection...
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The company that Iseshima Hotel employed to develop that IT system...
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- Nalusen Engineering.
- You know, this Nalusen
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is going bankrupt.
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To verify the truth of the matter, Hanzawa
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heads out to Iseshima Hotel to see President Yuasa, but
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who should appear before him but
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Director Hane, who had her eyes on the President's seat, and
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Executive Director Owada, who had joined forces with her.
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In light of what's happened to Nalusen,
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we won't be able to get through the FSA inspection.
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Do you have any breakthrough solution?
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I do.
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We'd like you to change the managerial structure.
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Actually, I've already approached FSA's Chief Inspector Kurosaki in regards to this.
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If you can abandon the current family management
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and explore new possibilities,
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he agreed to postpone his decision
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on the classification for one year.
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- Are you telling me to step down...
- Please wait, Executive Director.
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The person who knows this hotel better than anyone else,
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Managing Director Hane, will take over as your successor.
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Come on. Show me your resolve.
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Please give me a little more time.
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I beg you.
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We'll talk again...Let's go.
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Iseshima Hotel President
YUASA TAKESHI
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If this will allow me to remain on this job,
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- getting down on my knees is nothing.
- Hanzawa-san.
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Right now, we'll have to do something about the situation with Nalusen.
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President Yuasa, do you think Nalusen is really guilty of patent infringement?
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I don't know. I've been trying to get in touch the Nalusen's president, but
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- haven't had any luck.
- That's not good.
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Director Hane may have anticipated this from the very beginning.
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She was the one who recommended Nalusen.
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I should have known better.
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Hanzawa-san.
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Your faith in me
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touched my heart.
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Thank you.
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I merely said
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the right thing as a banker.
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- Hanzawa-san.
- President Yuasa.
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This is where the real fight begins.
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FSA INSPECTION
THIRD HEARING INVESTIGATION
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Upon further review, this restructuring plan was very well written.
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But it's a pity Nalusen bit the dust.
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What are you planning to do?
You don't have time to
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develop a new system all over, do you?
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In the first place, how much has
Iseshima Hotel invested in Nalusen?
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Financial Services Agency
Chief Inspector
KUROSAKI SHUNICHI
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Operations Department 2
Manager
NAITO HIROSHI
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Operations Department 2
ONODERA JUNJI
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- Approximately 11 billion...
- 11 billion 304 million, 500 thousand.
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You must be precise with numbers.
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If Nalusen should go bankrupt, the entire 11 billion 304 million, 500 thousand
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investment will go down the drain.
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How are you going to make it up, Deputy Manager Hanzawa?
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It hasn't been determined yet that Nalusen will go bankrupt.
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We'll need to verify if patent infringement was actually...
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It's the same difference. Whether they're guilty of patent infringement or not,
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if the case goes to court, Nalusen will lose social credibility and will go bankrupt for sure.
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If that happens, reviving Iseshima Hotel will be impossible.
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Classification determined. Am I wrong?
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I cannot draw a conclusion until I see Nalusen go bankrupt with my own eyes.
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Buying time, eh?
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We're not buying time as a stopgap measure.
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If a major corporation like Nalusen is going bankrupt,
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it's imperative that we, as a bank, verify the facts.
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Can you please spare us some time?
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Fine. If you insist,
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I'll wait until Nalusen's situation becomes definite.
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It won't be that long anyway.
Besides,
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who knows if you'll still be around by then.
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Replace him? Are you saying that you're removing Hanzawa from Iseshima?
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That's to be expected.
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Do you seriously think we can entrust the FSA inspection to him and hope to get through it?
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Hanzawa was ordered to be the banker in charge by the Chairman.
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- What is the Chairman saying?
- Nothing.
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Don't you think even the Chairman's given up on him?
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It probably means he fell short of his expectations.
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Executive Director Owada, are you of the same opinion?
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This time around, I'd like to honor everyone's opinion.
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Gentlemen, are you in favor of replacing Hanzawa?
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I don't think we have a choice.
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Naito-san, I understand your concern for your subordinate.
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But will that sympathy
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Director
KISHIKAWA SHINGO
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enable you to take responsibility for the 150 billion loan loss provision?
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This is all for the bank's sake.
Please understand.
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However, I understand Hanzawa has President Yuasa's trust.
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- It goes against logic to remove him.
- Logic?!
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Isn't it logical to ask our employees to comply with personnel orders?
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Let me say this at the risk of sounding rude.
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To me, this is obviously an undeserved punishment.
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Do not misunderstand, Manager Naito.
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We're informing you of our decision, not asking you for your opinion.
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Now, now.
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I understand very well the concern both of you have for the bank and your subordinate.
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Why don't we do this?
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Why don't we evaluate whether Deputy Manager Hanzawa
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is qualified to handle Iseshima Hotel or not?
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- What do you mean by evaluate?
- Anticipating the next FSA inspection,
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we're going to simulate the inspection.
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Why don't we decide on his disciplinary action based on that outcome?
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So it was Executive Director Owada after all who was connected to Director Hane.
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But it's not quite clear to me.
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Why is he going that far to back up Director Hane?
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- I have no idea why he's doing this.
- I can think of one reason.
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But that's why our bank's getting scrutinized by FSA...
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At this rate, we'll have to come up with a loan loss provision of 150 billion, and
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on top of that, the Chairman will be...
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Is that it?
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Was it Executive Director Owada's objective
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to get the bank driven into a corner by FSA?
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So that he can make Chairman Nakanowatari take that responsibility,
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causing his downfall.
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With the way things are going, it would be difficult to pass the FSA inspection.
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If Executive Director Owada comes forth at that moment as if he was a savior
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and manages to brilliantly pass the inspection,
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support within the bank would sway in favor of Owada's party in an instant.
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At that point, he'll give Nakanowatari-san the coup de grace, and
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he'll sit in the chairman's seat. Is that it?
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At the same time, Iseshima Hotel will forcing President Yuasa to step down, and
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Director Hane will take over as President.
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Executive Director Owada and Director Hane are plotting to stand at the top, effecting
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an inversion of social order.
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If that's the case,
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it means you, who was designated as the banker in charge by the Chairman and President Yuasa,
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are the biggest obstacle to Executive Director Owada.
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Actually, I heard something that's been troubling me.
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Do you know Fukuyama Keijiro in Loan Department?
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Yeah, I've met him 2-3 times at conferences.
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Like us, he's from Sangyo Chuo and he has the backing of Executive Director Owada.
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I hate to admit it, but he's sharp.
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So what about this Fukuyama?
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Apparently, Executive Director Owada and Director Kishikawa are meeting Fukuyama frequently these days.
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More than likely, he's the candidate to replace you.
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Hanzawa.
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Got a minute?
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A mock FSA inspection?
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If you can't give satisfactory answers to their questions,
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you'll be removed from Iseshima.
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I'm sorry. I had no choice but to accept the Director's proposal under that circumstance.
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- Not at all. Thank you for trying to protect me.
- On their side,
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they're bringing in as interviewers Director Kishikawa and
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Deputy Manager Fukuyama from the Loan Department.
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On the face of it, he's supposedly an interviewer, but
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basically, it's a one-on-one battle of Hanzawa vs Fukuyama.
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If I lose, the Chairman will be replaced, and Iseshima too...
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President Hane will be born. And...
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both you and I will...
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get a one-way ticket to no man's land.
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We'll get transferred out.
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You'll officially be put in charge of Iseshima Hotel in the near future.
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- Are you prepared?
- Please rest assured.
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I've apprehended most of the numbers that pertain to Iseshima.
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Do the numbers support the removal of President Yuasa?
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Yes. In the past few years after President Yuasa took over, Iseshima Hotel's earnings
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Loan Department Deputy Manager
FUKUYAMA KEIJIRO
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have declined considerably.
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It's apparent that he doesn't have managerial skills.
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Director Hane, who you're recommending, is a suitable successor as the next president.
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I'm counting on you.
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Deputy Manager Hanzawa, the current banker in charge, has absolutely no common sense.
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He goes around saying absurd things like "If you screw me, it's double payback."
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- He refuses to follow our orders.
- That's ridiculous.
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If you screw me, it's double payback?
Is this a fight between children?
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If you do a thorough job,
you won't get screwed.
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Consequently, there's no need for paybacks.
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In short, the guy who gets screwed is incompetent.
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I have high hopes for you, Fukuyama-kun.
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Director Kishikawa's Residence
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Excuse me. Hello.
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Hello!
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Oh, Hana-san.
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Director Kishikawa's Wife
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You're here again?
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I made ohagi* that I promised the other day. Please help yourself if you like.
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*Rice cake covered with red bean jam
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They look delicious.
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But what a pity~
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We were just now treating ourselves to the fruit tart
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that Mrs. Fukuyama made for us.
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Deputy Manager Fukuyama's Wife
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Fukuyama-san is an outstanding cook.
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Her husband is a very capable man too. We hear he's slated to
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to be in charge of Iseshima Hotel for the FSA inspection.
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- In place of your husband.
- Is that right?
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Please make yourself at home.
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Although you don't have any place to sit.
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Please don't mind me.
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I swear, they really piss me off.
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What's with the fruit tart?
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Japanese people should eat Japanese sweets, right?
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- This is delicious.
- Are you listening to me?
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I told you, you don't have to go if you don't want to.
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I'm only going because I want to help improve your position at work.
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But I heard you're getting replaced for the FSA inspection. What's going on...
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- That's not for sure yet.
- You've done enough already, haven't you?
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It wasn't going well anyway, right?
You should just let Fukuyama-san's husband handle it.
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You know I can't do that.
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- We might still have time to take a summer vacation trip.
- Hana.
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I'm just kidding.
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But can't you take at least one day off?
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You haven't had a day off in nearly 3 months.
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- At this rate, you're going to collapse.
- Thanks for dinner.
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If you want, as much as I hate to,
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should I ask Mrs. Kishikawa if she can do something about it?
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Don't worry about it.
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She's also close to Executive Director Owada's wife...
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I said don't worry about it.
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Sorry.
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It's been bothering me for some time.
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After you got transferred to Tokyo,
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you get this real scary look on your face.
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Does it have anything to do with your father?
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That has nothing to do with it.
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Then why are you carrying around that screw all the time?
242
00:14:59,043 --> 00:15:04,060
- There's something you still can't tell me.
- I told you it's nothing like that.
243
00:15:04,060 --> 00:15:08,014
Do me a favor and let me relax when I'm at home at least.
244
00:15:08,014 --> 00:15:13,062
- I'm just worried for you.
- There's nothing for you to worry about.
245
00:15:14,061 --> 00:15:16,061
I'll go take a bath.
246
00:15:29,013 --> 00:15:35,040
Good morning.
247
00:16:00,079 --> 00:16:05,008
Noda-san. Did you open this ledger when I wasn't around?
248
00:16:05,008 --> 00:16:07,093
No. Why do you ask?
249
00:16:08,004 --> 00:16:10,093
A document I slipped in there was on the floor.
250
00:16:12,012 --> 00:16:14,075
You have that drawer locked, don't you?
251
00:16:14,096 --> 00:16:18,060
You've worked here long enough. You can easily get a spare key made.
252
00:16:18,070 --> 00:16:22,058
That's what you did to me, isn't it?
253
00:16:40,048 --> 00:16:43,088
Noda-san, did you replace a page?
254
00:16:43,094 --> 00:16:46,002
I don't know what you're talking about.
255
00:16:46,010 --> 00:16:48,029
Please answer me, Noda-san.
256
00:16:56,000 --> 00:16:59,042
- I'm having pescatora.
- I think I'll have meat sauce.
257
00:16:59,066 --> 00:17:01,072
Go ahead first. I'll be right behind.
258
00:17:01,078 --> 00:17:03,066
Hey, Kondo.
259
00:17:06,074 --> 00:17:10,016
I heard you were able to keep the loan going for Tamiya Electric.
260
00:17:10,026 --> 00:17:13,022
Yeah, thanks.
261
00:17:14,008 --> 00:17:16,027
What? Did something happen?
262
00:17:16,046 --> 00:17:18,084
A page of the ledger got replaced?
263
00:17:18,088 --> 00:17:21,050
- That's what I think.
- Why do you think so?
264
00:17:21,050 --> 00:17:24,032
After the window dressing came to light, I've been safeguarding the ledger, but
265
00:17:24,036 --> 00:17:27,026
there were apparent signs that someone's been tampering with it.
266
00:17:27,026 --> 00:17:30,093
When I looked over it, there was one page number missing.
267
00:17:30,093 --> 00:17:33,092
They don't learn, do they?
Are they still hiding something?
268
00:17:33,096 --> 00:17:38,088
I wonder if there's any way I can find out what company was on the page that was replaced.
269
00:17:38,090 --> 00:17:42,016
Even if you asked him, President Tamiya probably won't tell you, huh?
270
00:17:42,020 --> 00:17:44,058
- Is there any other way to...
- There is.
271
00:17:44,064 --> 00:17:48,045
There's a copy of the page that was replaced.
272
00:17:48,045 --> 00:17:50,053
- The tax accountant.
- I'd forgotten about.
273
00:17:50,053 --> 00:17:54,096
I'll give them a try.
Thanks. Hanzawa, Tomari.
274
00:18:02,088 --> 00:18:05,010
Hanzawa.
275
00:18:09,022 --> 00:18:12,078
Long time no see, Deputy Manager Fukuyama.
276
00:18:34,008 --> 00:18:36,066
Long time no see, Deputy Manager Fukuyama.
277
00:18:36,070 --> 00:18:40,009
Well, well, if it isn't Deputy Manager Hanzawa.
278
00:18:40,009 --> 00:18:44,066
It appears we're ending up having to go through this odd thing called a mock FSA investigation.
279
00:18:44,070 --> 00:18:47,034
- Please go easy on me.
- That goes for me too.
280
00:18:47,043 --> 00:18:51,028
Deputy Manager Hanzawa Naoki. Joined the bank in 1992.
281
00:18:51,030 --> 00:18:54,042
Worked at Osaka Nishi Branch from 2011 as Loan Section Chief.
282
00:18:54,042 --> 00:18:56,077
Increased annual profit by 4 percent.
283
00:18:56,077 --> 00:19:01,082
You revived the poorly performing branch in 2 years, didn't you?
284
00:19:01,094 --> 00:19:05,012
You brilliantly recovered the 500 million yen loan mishap caused by the branch manager,
285
00:19:05,014 --> 00:19:08,026
and was promoted to Headquarters Operations Department 2. Subsequently,
286
00:19:08,028 --> 00:19:12,024
you steadily continued to have successful transactions with clients like Nogawa Shoken and Teikoku Juukou,
287
00:19:12,037 --> 00:19:15,076
amounting to a profit of 4.5 billion so far.
288
00:19:15,076 --> 00:19:19,091
That's quite a feat. However, you tend to take too much time
289
00:19:19,091 --> 00:19:23,093
before you get results with the way you do business. 21 months on the average.
290
00:19:23,093 --> 00:19:27,020
I don't mean to disprove your method of taking your time
291
00:19:27,058 --> 00:19:30,092
with each and every client.
292
00:19:30,092 --> 00:19:36,034
However, if it was me, I'd be able to increase profit more efficiently in a shorter time.
293
00:19:36,064 --> 00:19:42,054
Which of us does Iseshima Hotel need right now?
294
00:19:43,018 --> 00:19:47,086
Excuse me. I have another engagement to attend to.
295
00:19:50,078 --> 00:19:54,046
Guys like that are rationalism personified.
296
00:19:54,064 --> 00:19:58,011
He's number one when it comes to gathering data and analyzing them.
297
00:19:58,011 --> 00:20:01,014
They call him Fukuyama, Master of Research.
298
00:20:01,020 --> 00:20:03,052
Does it look like you can win?
299
00:20:05,014 --> 00:20:08,026
Noda-san, do you have a minute?
300
00:20:17,004 --> 00:20:19,077
- What is it?
- Lafite.
301
00:20:20,072 --> 00:20:23,020
You know, don't you?
302
00:20:25,028 --> 00:20:27,090
No, I don't know of any company by that name.
303
00:20:27,094 --> 00:20:30,076
I never said it was a company.
304
00:20:36,072 --> 00:20:39,011
How did you...!
305
00:20:39,011 --> 00:20:41,086
I got a copy made at the office of Kanda Sensei, our tax accountant.
306
00:20:41,090 --> 00:20:45,043
Did Kanda Sensei...
show you this?
307
00:20:45,043 --> 00:20:49,060
At first, he said I needed you or President Tamiya's permission...and was hesitant, but
308
00:20:49,060 --> 00:20:54,040
when I said I was telling the bank about his involvement with the window dressing, he showed it to me right away.
309
00:20:57,042 --> 00:21:01,040
It's this account of Lafite that was on the original ledger that I have, isn't it?
310
00:21:01,044 --> 00:21:04,008
Why did you swap it?
311
00:21:04,034 --> 00:21:07,093
- I told you, I don't know.
- What kind of a company is Lafite?
312
00:21:07,093 --> 00:21:10,096
Why are we lending them 30 million yen?
313
00:21:10,098 --> 00:21:12,084
Who knows.
314
00:21:18,050 --> 00:21:19,094
What are you planning to do?
315
00:21:19,094 --> 00:21:23,064
Back then, we were already having financial difficulties. Nevertheless,
316
00:21:23,075 --> 00:21:27,015
how did we scrape up 30 million to lend to another company?
317
00:21:27,015 --> 00:21:31,032
You'd better not pry any further into this matter if you know what's good for you.
318
00:21:31,060 --> 00:21:33,092
What do you mean?
319
00:21:49,096 --> 00:21:51,096
Is it subleased loan?
320
00:21:54,043 --> 00:21:59,023
Did we redirect the 30 million we borrowed from Tokyo Chuo to Lafite?
321
00:22:00,060 --> 00:22:02,045
Answer me.
322
00:22:03,012 --> 00:22:04,096
I don't know.
323
00:22:03,090 --> 00:22:14,034
Subleased Loan
Redirecting borrowed money to a third party without permission
324
00:22:05,000 --> 00:22:08,016
Subleasing a loan clearly goes against the rule.
325
00:22:08,022 --> 00:22:11,075
What kind of a company is Lafite that we went to that extreme to lend them money?
326
00:22:11,076 --> 00:22:13,068
I know nothing.
327
00:22:13,068 --> 00:22:15,068
Go ask the President.
328
00:22:17,002 --> 00:22:20,094
In other words, President Tamiya is aware of it.
329
00:22:22,022 --> 00:22:25,090
Tamiya Electric Company Housing
330
00:22:22,093 --> 00:22:27,016
Kondo, who was prepared to spend the rest of his career at Tamiya Electric,
331
00:22:27,022 --> 00:22:32,079
chose to live in Tamiya Electric's company housing, which was noticeably
332
00:22:32,079 --> 00:22:36,079
older and smaller than Tokyo Chuo Bank's company housing.
333
00:22:37,052 --> 00:22:40,074
Hello. I'm sorry to bother you when you're busy.
334
00:22:40,080 --> 00:22:44,010
I'm calling in regards to that 30 million.
335
00:22:44,014 --> 00:22:47,088
The banker who's on loan to us is starting to make noises.
336
00:22:48,000 --> 00:22:52,075
Yes, I think we'd better deal with him as soon as possible.
337
00:22:54,086 --> 00:22:56,094
- Cram school?
- That's right.
338
00:22:57,009 --> 00:23:01,034
All his friends are going, and Yosuke wants to go too.
339
00:23:01,048 --> 00:23:05,018
It's a supplementary prep school. What do you think?
340
00:23:05,022 --> 00:23:08,092
- What do you mean?
- It costs quite a bit.
341
00:23:14,074 --> 00:23:18,041
Hey, why not.
If he wants to study, let him go.
342
00:23:18,041 --> 00:23:22,044
- Can we manage?
- I'll figure out something.
343
00:23:22,066 --> 00:23:26,027
I'm finally getting settled in at the company too.
344
00:23:26,027 --> 00:23:30,079
I'm glad. I'll let Yosuke know tomorrow.
345
00:23:30,079 --> 00:23:32,079
I'm sure he'll be thrilled.
346
00:24:04,034 --> 00:24:08,014
Takahiro and I are going to visit your mother in Kanazawa.
347
00:24:08,014 --> 00:24:09,054
Hana
348
00:24:09,060 --> 00:24:13,008
Don't worry. We'll be back in 2-3 days.
349
00:24:13,027 --> 00:24:17,000
I'm not worried, but why Mom's all of a sudden?
350
00:24:17,004 --> 00:24:19,074
Takahiro wanted to see Grandma, plus
351
00:24:19,078 --> 00:24:25,014
I felt bad for not taking him anywhere during summer vacation.
352
00:24:25,018 --> 00:24:28,016
Naoki. You shouldn't make Hana-san unhappy
353
00:24:28,028 --> 00:24:31,042
- thinking about work all the time.
- But I'm not.
354
00:24:31,042 --> 00:24:34,084
I'm having Hana-san take it easy for a while over here.
355
00:24:34,088 --> 00:24:39,059
- Bye now.
- Hello...hello?
356
00:24:43,027 --> 00:24:45,027
What the heck was that?
357
00:24:49,009 --> 00:24:53,026
- I see. So that's what's going on with Nalusen.
- I sure had a tough time.
358
00:24:53,026 --> 00:24:56,020
Because of who they are, no one wanted to talk about them.
359
00:24:56,020 --> 00:24:58,086
- Does FSA know about this?
- Probably not.
360
00:24:58,090 --> 00:25:02,008
This type of information can't be obtained by regular means.
361
00:25:02,012 --> 00:25:07,038
I see. I appreciate you going through the trouble.
Thank you.
362
00:25:07,038 --> 00:25:08,082
About returning the favor,
363
00:25:08,094 --> 00:25:12,016
can you give it to me in the form of information as you did with Nishi Osaka Steel?
364
00:25:12,020 --> 00:25:14,090
Certainly. Please wait a little longer.
365
00:25:14,094 --> 00:25:17,086
I think I can give you a big scoop.
366
00:25:17,092 --> 00:25:20,027
I'll be looking forward to it.
367
00:25:38,096 --> 00:25:42,039
The biggest major hotel chain in America.
368
00:25:44,020 --> 00:25:48,043
One of the top hotels in Japan with social status.
369
00:25:52,025 --> 00:25:54,025
Hanzawa-kun.
370
00:25:57,096 --> 00:26:00,091
- Subleasing their loan?
- Yeah, although I don't have any proof yet.
371
00:26:00,091 --> 00:26:04,006
The 30 million yen loan that Tamiya Electric got from Tokyo Chuo 5 years ago,
372
00:26:04,008 --> 00:26:08,094
- it appears, was diverted directly to Lafite.
- What's does this Lafite do?
373
00:26:09,019 --> 00:26:12,024
Tomari gathered data from their credit record for me.
374
00:26:12,026 --> 00:26:14,069
Here it is.
375
00:26:15,084 --> 00:26:17,088
Apparel industry, huh?
376
00:26:18,009 --> 00:26:22,009
Could it be that this Tanahashi Takako, the president, is President Tamiya's mistress?
377
00:26:23,068 --> 00:26:26,062
Mistress? You've got to be kidding!
378
00:26:26,077 --> 00:26:29,024
Window dressing, I can force myself to forgive, as much as I don't hate to.
379
00:26:29,024 --> 00:26:32,082
I can understand falling to the temptation in order to save the company...
380
00:26:32,086 --> 00:26:36,091
But redirecting a loan to his mistress's company is inexcusable.
381
00:26:36,091 --> 00:26:39,075
There's a limit as to how far he can go appropriating company funds for his personal use!
382
00:26:39,075 --> 00:26:43,046
If that's true, I'll fight to the bitter end!
383
00:26:48,042 --> 00:26:49,062
Sorry...
384
00:26:50,043 --> 00:26:52,022
Thanks, Shinnosuke.
385
00:26:52,026 --> 00:26:55,077
Excuse me...I don't understand these matters too well, but
386
00:26:55,094 --> 00:26:59,024
please hang in there and don't let corruption get the better of you.
387
00:27:01,004 --> 00:27:02,089
Thanks.
388
00:27:04,082 --> 00:27:06,096
He's a good subordinate, isn't he?
389
00:27:09,064 --> 00:27:11,060
So, what are you gonna do now?
390
00:27:11,064 --> 00:27:14,014
I'll go pay a visit to this Lafite.
391
00:27:14,020 --> 00:27:16,032
If it looks like there might be trouble, come talk to us right away.
392
00:27:16,036 --> 00:27:18,074
I'm sorry. You're going through a tough time too right now.
393
00:27:18,078 --> 00:27:20,004
That's right, Hanzawa.
394
00:27:20,006 --> 00:27:25,066
I hope you've thought of a way to get through tomorrow's mock FSA inspection.
395
00:27:25,091 --> 00:27:29,077
- Any chance Nalusen and Foster may settle out of court?
- That's not gonna happen.
396
00:27:29,077 --> 00:27:31,093
Not gonna happen?
397
00:27:31,093 --> 00:27:36,011
I went through a source in Osaka and thoroughly checked out Nalusen.
398
00:27:36,070 --> 00:27:40,086
They have connections to antisocial forces in the background.
399
00:27:40,090 --> 00:27:43,006
Organized gang, huh?
400
00:27:43,016 --> 00:27:46,098
FSA isn't aware of it yet, but we've got to cut ties with them before it blows up in our face.
401
00:27:47,002 --> 00:27:50,027
The 11.3 billion that Iseshima invested goes down the drain, huh?
402
00:27:50,027 --> 00:27:53,012
But this isn't a matter of money.
403
00:27:53,012 --> 00:27:57,008
There's no other way but to reexamine the restructuring plan from the very beginning.
404
00:27:57,036 --> 00:28:00,088
Can you come up with a plan by tomorrow's mock inspection?
405
00:28:07,010 --> 00:28:09,010
Hanzawa-kun.
406
00:28:10,020 --> 00:28:13,044
Can I tell you my idea? You'll be surprised.
407
00:28:13,050 --> 00:28:18,066
Actually, I have an idea too.
It's probably the same as yours.
408
00:28:25,074 --> 00:28:30,088
- I trust there won't be any problems tomorrow.
- I'm thoroughly prepared.
409
00:28:30,092 --> 00:28:34,094
If we can produce results here,
Executive Director Owada will be very pleased.
410
00:28:34,096 --> 00:28:39,092
On the other hand, it means failure is not an option.
411
00:28:39,092 --> 00:28:41,094
You understand that, don't you?
412
00:28:41,094 --> 00:28:43,094
Of course.
413
00:28:53,092 --> 00:28:56,042
Do you still have some business with the President?
414
00:28:56,042 --> 00:29:00,064
Executive Director Owada told me we won't be seeing you soon.
415
00:29:00,068 --> 00:29:05,038
- That isn't for sure yet.
- You shouldn't exert yourself too much.
416
00:29:05,050 --> 00:29:10,096
Why don't you just leave the rest to the new banker in charge?
417
00:29:11,066 --> 00:29:14,007
- New banker in charge?
- Yes.
418
00:29:14,007 --> 00:29:16,094
Besides, President Yuasa will be stepping down soon too.
419
00:29:16,096 --> 00:29:20,064
That, too, hasn't been decided yet.
420
00:29:20,075 --> 00:29:25,014
A man who doesn't know when to quit is just pathetic.
421
00:29:25,035 --> 00:29:27,035
Deputy Manager Hanzawa.
422
00:29:29,036 --> 00:29:33,009
Subleasing a loan? Of course there's no way
423
00:29:33,009 --> 00:29:35,068
- we're subleasing our loan.
- You're saying you're didn't?
424
00:29:35,070 --> 00:29:38,082
It's just that the time frame we got the loan from the bank
425
00:29:39,008 --> 00:29:42,057
and the time frame we loaned money to Lafite happened to coincide.
426
00:29:42,057 --> 00:29:46,024
- Isn't that right, Noda-kun?
- You're absolutely right.
427
00:29:46,024 --> 00:29:48,098
Then for what purpose did you lend that 30 million?
428
00:29:49,000 --> 00:29:54,070
That's a matter I took on myself as the president.
429
00:29:54,075 --> 00:29:57,046
You have no say in this matter.
430
00:29:57,048 --> 00:29:59,084
However, there's something
431
00:29:59,092 --> 00:30:02,092
- I need to tell you as well.
- What is it?
432
00:30:02,092 --> 00:30:07,052
In the near future, you'll be loaned out to another company.
433
00:30:08,058 --> 00:30:10,072
I got a call from the bank earlier.
434
00:30:10,078 --> 00:30:14,042
You can consider this an unofficial notice.
435
00:30:14,052 --> 00:30:18,022
Did you push for that to happen?
436
00:30:18,026 --> 00:30:21,002
You don't think I have the clout to have any say in
437
00:30:21,024 --> 00:30:24,024
the mighty Tokyo Chuo Bank's personnel matters, do you?
438
00:30:24,024 --> 00:30:28,024
It's unfortunate after all you've done for our company, but
439
00:30:28,028 --> 00:30:31,043
I wish you the best of luck in your new environment.
440
00:30:31,043 --> 00:30:34,023
More than likely, this time,
441
00:30:35,030 --> 00:30:38,010
you may be going somewhere slightly farther away.
442
00:30:46,062 --> 00:30:51,042
Heat is applied to the resin, and after going through various processes,
443
00:30:51,042 --> 00:30:55,007
this screw is manufactured, right?
444
00:30:55,018 --> 00:30:57,043
I think I finally understand
445
00:30:57,043 --> 00:31:01,010
just a little bit of the true meaning of what
446
00:31:01,010 --> 00:31:03,092
Naoki-san was talking about in the past.
447
00:31:04,008 --> 00:31:08,022
A tiny screw like this is supporting Japan.
448
00:31:09,024 --> 00:31:11,057
We import the materials,
449
00:31:11,057 --> 00:31:16,093
manufacture these light, yet strong screws, and export them back.
450
00:31:16,093 --> 00:31:18,064
It's the same thing with automobiles.
451
00:31:18,072 --> 00:31:23,092
A country like Japan with no natural resources came to be known as a great economic power
452
00:31:23,092 --> 00:31:27,042
thanks to the skill and technique of our craftsmen.
453
00:31:27,042 --> 00:31:32,059
Packed in this one screw is the skill and passion of craftsmen.
454
00:31:32,059 --> 00:31:36,041
That's right. Naoki and the bank are
455
00:31:36,041 --> 00:31:40,001
putting up money for their skill and passion.
456
00:31:42,034 --> 00:31:48,008
This time, I ended up barging in on you all of a sudden, but
457
00:31:48,010 --> 00:31:50,036
I'm glad I came.
458
00:31:51,030 --> 00:31:55,058
Because until now, how you and Father lived, or
459
00:31:55,058 --> 00:31:59,009
or how Naoki-san was raised,
460
00:31:59,009 --> 00:32:01,089
I didn't know anything.
461
00:32:25,056 --> 00:32:28,098
Mock FSA Inspection
462
00:32:28,038 --> 00:32:31,066
We will now begin the preliminary question and answer session
463
00:32:31,068 --> 00:32:34,018
in preparation for the FSA inspection.
464
00:32:34,022 --> 00:32:36,086
Hanzawa-kun, I'm sure you're aware, but
465
00:32:36,088 --> 00:32:39,012
this is a rehearsal for the FSA inspection.
466
00:32:39,020 --> 00:32:42,000
In the event you people can't give us satisfactory answers,
467
00:32:42,004 --> 00:32:47,000
we're going to have Deputy Manager Fukuyama take over as the banker in charge of Iseshima Hotel.
468
00:32:47,000 --> 00:32:49,074
You may begin.
469
00:33:06,024 --> 00:33:09,088
Executive Director Owada. Thank you for taking the time to come.
470
00:33:09,092 --> 00:33:13,076
Of course I should be here. It wouldn't be an exaggeration to say
471
00:33:13,076 --> 00:33:17,008
that this is a very important mock trial that may impact the future of our bank.
472
00:33:17,008 --> 00:33:20,058
I'll make sure I watch carefully.
473
00:33:22,014 --> 00:33:26,032
They got us this time. He showed up at the last minute on purpose and turned the table on us.
474
00:33:26,038 --> 00:33:28,092
- They have the home field advantage now.
- Calm down.
475
00:33:28,096 --> 00:33:31,084
This was all set up from the beginning anyway. We'll just have to do what we can...
476
00:33:31,088 --> 00:33:35,093
What are you whispering about?
Please begin.
477
00:33:36,022 --> 00:33:39,007
Let me start with our assessment of Iseshima Hotel's
478
00:33:39,007 --> 00:33:42,087
data which we gathered for the upcoming hearing investigation. First...
479
00:33:50,012 --> 00:33:53,064
The forecasted profit for the period after this term is as stated on the attachment to the handout,
480
00:33:53,070 --> 00:33:57,037
and we believe it is more than sufficient to recover the trust of our bank...
481
00:33:58,064 --> 00:34:02,034
- May I ask what's so funny?
- You're talking about consecutive terms of deficit.
482
00:34:02,034 --> 00:34:05,060
Aren't you being too optimistic with your forecast?
483
00:34:06,046 --> 00:34:09,038
Do you mind telling us specifically what's optimistic about it?
484
00:34:09,040 --> 00:34:11,066
Can't you tell without being told?
485
00:34:11,068 --> 00:34:16,033
You don't have any alternative solution to the fact that Nalusen's system can no longer be used.
486
00:34:16,078 --> 00:34:18,081
Furthermore, if Nalusen goes on to become bankrupt,
487
00:34:18,081 --> 00:34:22,048
how do you propose to make up the 11.3 billion that's been invested so far?
488
00:34:22,074 --> 00:34:26,044
We are in the process of exploring a solution to that problem.
489
00:34:26,068 --> 00:34:30,036
Oh ho, exploring a solution, eh?
Do tell us.
490
00:34:30,040 --> 00:34:34,034
- What kind of a solution do you have in mind?
- We can't tell you as of yet.
491
00:34:34,044 --> 00:34:36,098
- How come?
- Because it's a secret.
492
00:34:40,066 --> 00:34:44,086
- You're funny, Hanzawa-kun.
- That was not intended to be a joke.
493
00:34:44,088 --> 00:34:48,018
- If you don't have a plan, just say so, Deputy Manager Hanza...
494
00:34:48,020 --> 00:34:51,032
We do have a solution. However, we are not at a stage where it can be divulged.
495
00:34:51,036 --> 00:34:53,054
We've had enough of your childish tricks.
496
00:34:53,065 --> 00:34:57,028
Do you think you can fool FSA with such nonsense?
497
00:34:57,038 --> 00:35:00,054
There's nothing we can do if you insist on making blind assumptions.
498
00:35:00,054 --> 00:35:03,086
In the first place, isn't a drastic change necessary
499
00:35:03,088 --> 00:35:06,050
in order to revive Iseshima Hotel?
500
00:35:06,082 --> 00:35:10,082
- Which means?
- Quality of management depends on the manager.
501
00:35:10,088 --> 00:35:13,058
As long as one incompetent manager remains in power at the top,
502
00:35:13,060 --> 00:35:15,098
things won't change no matter how many times the hotel is restructured.
503
00:35:15,098 --> 00:35:19,092
In the end, it's people that make or break a business. Do you understand?
504
00:35:19,098 --> 00:35:24,042
- You mean remove President Yuasa?
- If it was me, I wouldn't hesitate to do so.
505
00:35:24,046 --> 00:35:29,068
Unless they break away from family management, there's no future for Iseshima Hotel.
506
00:35:29,070 --> 00:35:32,028
I see. Since you're so convinced,
507
00:35:32,032 --> 00:35:35,037
you must be extremely knowledgeable about Iseshima Hotel.
508
00:35:35,037 --> 00:35:38,018
That goes without saying. At Iseshima,
509
00:35:38,018 --> 00:35:41,098
after 2010 when President Yuasa took over the management,
510
00:35:42,002 --> 00:35:45,064
customer attraction rate is down 7%, repeat customer rate is a measly 0.2%
511
00:35:45,066 --> 00:35:49,074
Vacancy rate is more than 20% on weekends and major holidays.
512
00:35:49,078 --> 00:35:53,040
As a result, it's an indisputable fact that sales for the hotel in general
513
00:35:53,046 --> 00:35:56,083
have dropped 27.3 percent.
What is the problem in replacing the manager
514
00:35:56,083 --> 00:35:59,098
in order to improve that situation?
515
00:36:00,006 --> 00:36:03,066
Then who are you proposing to replace President Yuasa with after you dismiss him?
516
00:36:03,072 --> 00:36:06,044
- Director Hane is the suitable person.
- On what basis?
517
00:36:06,044 --> 00:36:09,024
Director Hane has been in charge of finance since the preceding president,
518
00:36:09,024 --> 00:36:12,098
and has been supporting Iseshima Hotel for more than 25 years.
519
00:36:12,098 --> 00:36:16,065
By placing Director Hane, who's knowledgeable in financial affairs, at the top and cutting down costs...
520
00:36:16,065 --> 00:36:19,092
I hope you're not saying that cutting down costs
521
00:36:19,096 --> 00:36:23,000
will lead to increased profit.
522
00:36:23,000 --> 00:36:27,032
That's nothing but delusion of a banker who doesn't know what it's like in the field.
523
00:36:27,074 --> 00:36:30,051
Cutting down costs at Iseshima is already in full swing.
524
00:36:30,051 --> 00:36:34,098
Labor costs, check. Facility investment, check.
Further cuts
525
00:36:34,098 --> 00:36:37,099
would only serve to lower the employees' morale.
526
00:36:37,099 --> 00:36:42,082
What you're saying is nothing more than an empty armchair...no, make that tablet theory.
527
00:36:43,068 --> 00:36:47,000
The course of action President Yuasa is trying to take is not mistaken.
528
00:36:47,006 --> 00:36:49,094
He definitely is not an incompetent manager.
529
00:36:50,002 --> 00:36:52,062
On the contrary, he's an extremely capable man.
530
00:36:52,072 --> 00:36:55,092
The problem lies with the people around him.
And at the top of that list is Director Hane.
531
00:36:55,096 --> 00:36:59,002
Do you think FSA will believe a story like that?
532
00:36:59,008 --> 00:37:01,012
He's had the hotel bleeding red all this time.
533
00:37:01,014 --> 00:37:03,080
At this rate, they'll fall behind in IT development as well.
534
00:37:03,082 --> 00:37:08,098
Do you think that Kurosaki will recognize a leader like him?
535
00:37:14,018 --> 00:37:17,022
He'll have to recognize him.
536
00:37:20,034 --> 00:37:24,000
Are you stupid or what? I told you earlier, but let me tell you again.
537
00:37:24,004 --> 00:37:28,028
In order to get through this inspection, it's imperative that we come up with a drastic measure.
538
00:37:28,036 --> 00:37:32,032
Placing Director Hane at the top is the centerpiece of
539
00:37:32,038 --> 00:37:35,067
that drastic measure.
540
00:37:42,034 --> 00:37:44,048
Do you understand now, Hanzawa-kun?
541
00:37:44,050 --> 00:37:48,038
You and President Yuasa's method won't revive the hotel, let alone
542
00:37:48,048 --> 00:37:51,080
get us through the FSA inspection.
543
00:37:53,014 --> 00:37:55,062
From this point forward, Deputy Manager Fukuyama will be in charge of Iseshima...
544
00:37:55,064 --> 00:37:57,083
Let me ask you one last question.
545
00:37:58,024 --> 00:38:00,000
Deputy Manager Fukuyama.
546
00:38:00,016 --> 00:38:03,060
Have you ever met Director Hane?
547
00:38:08,090 --> 00:38:10,050
What's the matter?
548
00:38:10,064 --> 00:38:14,093
I'm talking about Director Hane, who you recommended as the most suitable person to be the next president.
549
00:38:14,093 --> 00:38:18,042
- That's...
- Naturally, you've met her, haven't you?
550
00:38:20,022 --> 00:38:24,086
Have you or haven't you met her. Answer me!
551
00:38:25,070 --> 00:38:29,018
Unfortunately, I haven't had the pleasure of meeting her.
552
00:38:29,024 --> 00:38:31,032
You've never met her?
553
00:38:31,086 --> 00:38:35,072
Are you recommending someone you never met to be the president?
554
00:38:35,076 --> 00:38:39,028
How can you tell that she's suitable if you've never met her?
555
00:38:39,036 --> 00:38:43,084
That's because...I heard about Hane-san's philosophy and her character from
556
00:38:43,086 --> 00:38:47,017
Director Kishikawa. I have no doubt they're accurate.
557
00:38:47,086 --> 00:38:50,026
Just because I never personally met her,
558
00:38:50,030 --> 00:38:53,028
is there a problem if I recommend Director Hane for president?
559
00:38:53,028 --> 00:38:55,094
If you're saying that seriously,
560
00:38:56,006 --> 00:38:58,066
you're the real big idiot!
561
00:38:59,004 --> 00:39:03,048
You said it yourself, didn't you? That people make or break a business.
562
00:39:03,050 --> 00:39:07,016
Placing Director Hane at the top based solely on preconceptions obtained through blind faith
563
00:39:07,020 --> 00:39:09,066
in other people's opinion without actually meeting the person,
564
00:39:09,070 --> 00:39:12,099
is a complete self-contradiction, isn't it?
565
00:39:13,030 --> 00:39:17,004
The very person who caused Iseshima Hotel to incur a loss of 12 billion is
566
00:39:17,004 --> 00:39:19,004
Director Hane, you know.
567
00:39:19,078 --> 00:39:23,028
- That's something President Yuasa ordered her to...
- No, he didn't.
568
00:39:23,028 --> 00:39:25,052
That's only what she's going around saying.
569
00:39:25,054 --> 00:39:27,092
Only a handful of people know about this, but
570
00:39:27,094 --> 00:39:31,006
that loss was caused by something Director Hane did on her own.
571
00:39:31,012 --> 00:39:36,062
Although perhaps it won't be surprising if upper management at the bank was aware of it.
572
00:39:36,064 --> 00:39:38,070
Didn't you tell him?
573
00:39:39,050 --> 00:39:41,046
D-did you know about this?
574
00:39:41,054 --> 00:39:44,080
Of course not.
That's just Deputy Manager Hanzawa talking nonsense.
575
00:39:44,084 --> 00:39:47,086
You would've known if I'm talking nonsense or not
576
00:39:47,088 --> 00:39:50,046
if you'd taken the trouble to get yourself to Iseshima Hotel even once
577
00:39:50,052 --> 00:39:53,024
and sat down and talked with President Yuasa.
578
00:39:53,026 --> 00:39:56,048
But Fukuyama-san, not only did you not meet with Director Hane,
579
00:39:56,050 --> 00:39:59,002
you never even met President Yuasa.
580
00:39:59,002 --> 00:40:04,034
A restructuring plan made by someone like that has no power of persuasion.
581
00:40:04,044 --> 00:40:08,044
Because it's completely void of human touch.
582
00:40:08,052 --> 00:40:11,036
All you're looking at is just numbers and data.
583
00:40:11,038 --> 00:40:14,049
You don't even try to look at the real live people before your eyes.
584
00:40:14,049 --> 00:40:18,080
I can't entrust Iseshima Hotel to someone like that.
585
00:40:21,040 --> 00:40:24,034
If you have any objection, let's hear it.
586
00:40:26,060 --> 00:40:29,076
Look at me!
587
00:40:29,094 --> 00:40:32,026
That's what I'm saying, Fukuyama.
588
00:40:33,030 --> 00:40:36,094
Listen up. Make sure you add
589
00:40:37,000 --> 00:40:40,025
what I'm about to say to that data that you love so much.
590
00:40:40,056 --> 00:40:44,092
There's someone in this bank who covered up the loss Director Hane incurred
591
00:40:44,094 --> 00:40:49,010
and processed the illegal loan of 20 billion yen.
592
00:40:50,060 --> 00:40:53,066
- Hanzawa, do you have proof to back that up?
- Of course I do.
593
00:40:53,072 --> 00:40:57,020
There was a whistleblower at Iseshima Hotel...
However, that tipoff was
594
00:40:57,022 --> 00:41:00,072
- suppressed by the Kyobashi Branch.
- Stop talking nonsense!
595
00:41:00,072 --> 00:41:03,017
Whether it's nonsense or not, and also
596
00:41:03,032 --> 00:41:07,012
who and why someone gave the order to Kyobashi Branch,
597
00:41:07,016 --> 00:41:10,033
I plan to reveal the answers without fail at some time in the future.
598
00:41:10,072 --> 00:41:13,030
Please look forward to it.
599
00:41:13,042 --> 00:41:15,020
Executive Director Owada.
600
00:41:19,044 --> 00:41:21,078
Sure. I'm looking forward to it.
601
00:41:23,012 --> 00:41:25,012
Let me make one thing clear.
602
00:41:25,028 --> 00:41:28,070
More than anyone else at this bank, we are the ones who sincerely want to revive Iseshima Hotel
603
00:41:28,088 --> 00:41:32,026
and making every effort to get through the FSA inspection
604
00:41:32,032 --> 00:41:37,098
There's no one in this bank but us who's more qualified to be in charge of Iseshima Hotel
605
00:41:38,002 --> 00:41:41,078
If you insist on continuing to stand in our way, I'm ready to fight, no holds barred.
606
00:41:41,086 --> 00:41:46,018
If I get screwed, it's double payback.
607
00:41:46,040 --> 00:41:48,026
Please remember that.
608
00:42:53,072 --> 00:42:55,092
I'm working at home today.
609
00:42:55,092 --> 00:42:58,070
If anything happens, route it to me there.
610
00:43:12,050 --> 00:43:15,096
- You managed to do it.
- Yeah, somehow.
611
00:43:16,010 --> 00:43:19,082
Did you know that Fukuyama never met Director Hane?
612
00:43:19,082 --> 00:43:22,082
No matter what, Director Hane's a first-class hotel person.
613
00:43:23,018 --> 00:43:27,034
I had heard from President Yuasa that she never forgets
614
00:43:27,040 --> 00:43:31,020
the face and name of someone she's met once. But yesterday...
615
00:43:31,024 --> 00:43:36,028
Why don't you just leave the rest to the new banker in charge?
616
00:43:36,032 --> 00:43:41,014
I was convinced they never met by the way she talked.
617
00:43:41,020 --> 00:43:44,086
I see. It's because you've always faced with people on a regular basis
618
00:43:44,086 --> 00:43:47,018
that you were able to notice that.
619
00:44:26,012 --> 00:44:28,038
I don't know about that Naoki.
620
00:44:28,044 --> 00:44:32,028
How can he work for the bank that might as well have killed his own father.
621
00:44:32,088 --> 00:44:37,084
What's more, the guy who was in charge at that time is a big shot now
622
00:44:37,092 --> 00:44:41,020
and he's at the same headquarters.
623
00:44:41,046 --> 00:44:45,007
To think that his father's enemy is right by him.
624
00:44:45,007 --> 00:44:49,048
Who is it? This enemy you're talking about?
625
00:44:50,052 --> 00:44:53,058
This guy called Owada.
626
00:44:55,016 --> 00:45:01,012
Hana-san. The real reason you came here was to ask me about that, right?
627
00:45:05,050 --> 00:45:08,042
- What's up, Kondo?
- Actually,
628
00:45:08,052 --> 00:45:11,038
I just tracked down the residence of
629
00:45:11,042 --> 00:45:13,096
Lafite's woman president.
630
00:45:14,014 --> 00:45:16,036
As I recall, her name's Tanahashi.
631
00:45:16,042 --> 00:45:20,002
The thing is, on the nameplate...
632
00:45:27,017 --> 00:45:29,017
Owada?!
633
00:45:33,080 --> 00:45:35,096
Why's that name popping up?
634
00:45:36,006 --> 00:45:39,016
Owada's involved in
635
00:45:39,016 --> 00:45:41,016
Tamiya Electric's illegal practice too.
56832
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