All language subtitles for Bad Banks - S02E03_[English] (SUBRIP)

Do you have any siblings?

I don't know...

Can we communicate or something?

Hobbies, or...

Do you like cats?

What do your parents do?

Who are you?

I have to go.

I don't want the others to find out.

Would that be unprofessional?

You have to promise me one thing.

If I get you to not think
about work for several minutes...

give me a slap.

‐ Good.
‐ But you'll have to try hard.

I'll do it, some day.

And then you'll give me a hard slap.

For you.

There's the little party animal.

Why do you look well‐rested?

He's a baby, a newborn.

You look like a princess.

A pretty princess.

Calm down, Davie.
Keep your dick in your pants, fuck.

At least pretend to have a hangover.

How idiotic.

Green Wallet, huh?

Do you like it?

Good website, good code.

Do you think
they'll become anything?

I think they've got something.

The question is, how quickly.
Whether they're ahead of their time.

Ahead of their time...

People spend more and more money

on organic stuff in supermarkets.
10% of Germans are vegetarian.

There's some change.

Oh, interesting.
So why do you work at Fin21?

I'm serious, it's a good question.
Right, Davie?

Why are you in this capitalist den
if the future is Green Wallet?

I didn't say that...

You said it!

‐ Did he say it or not?
‐ I don't know anymore.

You said it!
You think Green Wallet is the future.

It was just thinking out loud.

Give me an answer now.

Why are you here?

I think maybe,
sometime in the future...

But you're too dumb
and are betting on the past!

You work here and believe
we're the losers of the future?

Why are you lying to yourself?
Don't be a coward, quit.

Quit!

I don't want to quit.

Do you know why you don't?

Do you know?

Because you're a cowardly whore.
Just like everyone.

That's why Green Wallet will fail.

You drink this here...

destroying our oceans.

Exploiting the farmers in Ethiopia,

destroying the rain forest.

You probably donate 50 euros a year
that are tax‐deductible

and buy a new phone every year

while children die in the countries
you give your 50 euros to!

You're an asshole!

Just like everyone else.

Every single fucking person

orients themselves
on things they want to understand

and things they don't want to.

All of us here, Davie too,
we cheat our conscience,

and those who are most successful at it,

at telling themselves
they're doing the right thing

while they hurt others
are the winners!

Gabriel...

You're cool,
you're a liar like everyone else!

Morning!

Take a look.

Imagine this is Ties' tablet.

What?

A lot of action yesterday?

Nice.

15 seconds.

If you have Ties' password.

Why are you suddenly
so keen on the plan?

The crap will be behind us then.

I hid the files. Ties won't find out
he has it on his tablet.

That's true.
When it's on there, it's on.

Is Shanti auditioning
for a Bollywood porn, or what?

We'll figure out
how we'll do this.

He lowered the volume.

No one is meant to know
that it's his birthday.

No, that's not true.

How are you?
You look like crap.

I just work a lot,
but everything is fine.

Deutsche Global Invest Incubator, Berlin

‐ Were you ever a proof person?
‐ Yes, fit and proper test.

It's not that easy today.

Let me do it.

I'll gain access in two days.

Three days are fine.
Just get the license,

otherwise we can't launch worldwide.

Thank you. Goodbye.

Goodbye.

You decide how to proceed
with Ties. Not Thao.

Don't worry.

See you!

Don't be scared.
We'll stay professional.

Shanti has some intense days
ahead of him.

He has to implement the incubator
and prepare it

for the international market.

The problem is that
everything goes through him.

He has to update
everything the coders do.

Everything the designers do
won't work without him.

Will he be able to do it?
Is he...

there yet?

Yes, he is.

The next few days
are going to be hard.

We'll get you a room
you can sleep in.

It's your shot
to prove yourself here, okay?

The biggest shot of your life.

Mrs. Leblanc!

What did he say exactly?

Khano was in a FinTech conference
with Sydow.

He said that even though
there were Global employees there,

he's worried about you.

How did you find this out?

Singnam from the back office
heard it from a colleague,

and he heard it from someone
in Sydow's department.

You should wear flats.

Khano was never very creative
when he kicked people out.

First, things come out of him
at some conferences

which spread all over the office,

then he gives you a task
you won't be able to fulfil.

What should I do?

The only thing that can win you
some time. Attack.

Thanks for the help.

I'm the one who should thank you.

Sorry, Quirin, she...

And apologize to Maria.

I can't accept disrespectful behaviour
towards my employee.

Where is Luc?

He had something.
He has the day off today.

‐ Why? What is he doing?
‐ I have no idea.

Here, my friend.

There's no deposit on it.

‐ What?
‐ There is no deposit, you ass.

I'm coming to Berlin.

You know what people
in Frankfurt call me?

The junk dealer boss.

But I can't get rid of the junk
and there's...

no other job for me
because there are less and less jobs,

and all the Brexit bankers
have flooded the work market.

You want to be in the incubator.

Yes, of course.

You brought in
those three boneheads.

They brought a FinTech.

Exactly.

And my concept is that I'll start
as an entrepreneur in residence.

I'll look over people's shoulders,

and will slowly let
my experience flow in.

What experience?

Are you really my father

or a clone?
You look different.

It's the new glasses.

What experience
do you actually have? For this?

So, how's it hanging?

‐ Can we speak outside?
‐ Oh yes.

Sorry that I didn't answer.
We have a lot to do today.

I was a bit angry at first,
but do you have 5 minutes for me?

‐ No.
‐ Then 2 minutes.

I've been thinking how you can improve
Green Wallet's performance.

It's a bad time now.

Why don't you listen
to what I have to say?

Thao?

Is she hiding from me?

You're so unfair!
We've always worked so well together.

You've become so antisocial!

We're working like hell.

Get far away from the bank
and stay there.

It's not the nice, new world
everyone thinks it is.

Jana?

Is he gone?

Yes. What's up?

The pin for Ties' tablet.

He's standing by the counter up front,
I'll find something to distract him.

Good.

Thao Hoang
New message

I have Ties' password.

Victoria Escort
Incoming call...

I'll do it for 100,000.

With an advance payment.
50,000 now.

I'll get the money
and contact you.

Gabriel?

You can't just come in here.

A surprise visit.
How's it going?

‐ Gabriel Fenger. Hello.
‐ Ben Kaufmann.

You can't just...

Good timing,
you left Goldman at the right time.

Don't worry.

I'm about to leave. Comrade.

Coffee?

Outside?

Good luck.

Thank you.

Thank you.

It's your turn to explain.

Explain what?

Why you lost your talent in 6 months.

That's what you think, huh?

Please, what is this crap?

Is there a plan behind this
that I don't understand...?

I believe in Green Wallet.

A sustainable bank can maybe work

for people who need an account
but say "I hate bankers,

"I'll put my money in a useful account",

but not a robo‐advisor
like Green Wallet.

Many people in Germany
and other rich countries

are thinking
about how to invest their money.

If we show them they can get high returns
while doing a good thing,

it can work.

It won't, and you know it.

‐ It will.
‐ No.

Jana, you're right, sorry.

Every person has to make
their own experience.

I have another appointment now.
I fly back tomorrow.

Let's have dinner tonight.

Sure.

Good.

Too good... Too good for this shit.

So, new office?

I've been trying to pool these
high‐interest‐bearing bonds into a fund

for months
but there's only complete junk in it.

Even loans from Leipzig 2025.

Luc.

What happened to you?

A year ago
you would've thought of something.

What broke you?

Should I jump from here or what?

How do you think Sydow
became who he is,

or how I became who I am?

Or your father?

Do you think we followed the rules?

I want the old Luc back.

I have a trusted contact
in a small bank.

He knows a banker that you know.

And if my contact buys
a part of the junk from you

and resells it...

Then a contact of mine
goes to your contact,

and I buy it all back...

Here's a list with trusted contacts

and some constellations
that would hide the road trip.

You'll make the junk valuable again.

And you'll finalise the fund.

Valuable?

And don't jump.

Isabelle? I won't have contact
with Luc from now on.

No emails, no calls.

‐ How's it going?
‐ Good.

Great.

I just have to go
to an interview tomorrow.

With the financial supervision?

It's a standard thing, no idea.

Is there something that...?

No, nothing.

I don't care what you're up to,
but I have to know...

I said no!
It's all good.

Then get back to me, okay?

Gabriel Fenger
New message

Where are you?

I saw that you read my text.

I can't make it unfortunately.

David Kubiak
Dialling...

Hey Dave, you have to find
an address for me.

K,

J,

I,

G,

F,

E,

D.

Ben?

Good morning.

Sleep well?

The bill.

You know what? Fuck you!

And you, fuck you!

Fuck all of you here!

We just came from my lawyer.

We came by directly
before he sent it to you.

And?

How's it going?

Good, thank you.

What?

It's going well, thank you!

What's going well?

Jana, this is Karin, my mother,
and my brother Flo.

Ben, I'm leaving. I'll see you.

We'll leave soon,
you can stay.

What do you do?

I'm Ben's colleague.

‐ What?
‐ She's a colleague!

‐ A techie.
‐ Co‐CEO.

We bought Ben's start‐up
for Deutsche Global Invest.

That disaster just happened last week.

It just happened last week.

She thinks it's a bad thing
that we were bought up.

‐ What do I think?
‐ That the buy up wasn't good.

Nonsense. What do I know?

You wanted to walk on a minefield,
so now you are!

Don't look at me like that.

‐ Seriously!
‐ Sorry that I'm worried.

You're too good a person, Flo.

So, the reason we're here.

It's all in your lawyer's writing,

that I would love to read,

but I have to go to work now.

Why do you react so aggressively

when we visit you?

I'm just speaking loudly
so you understand me!

If you messed something up
with our money again...

‐ Our money?
‐ What?

A few months ago,
it was still dad's money!

Our family's money.

No, it's my money
that I financed my company with.

We should...

We tried.

We'll come back
when your company is broke,

and we have to pick up the pieces.

Are you coming?

Sorry, good luck.

Sorry about the two of them.

Shall we?

Since Fin21 was founded
a year and a half ago,

we've amassed 10,000 customers.

My clientele
is already worth 13 million.

We could have 57,000 customers
3 years after founding.

From organic growth alone.

Impressive.

But we looked at the lifetime costs
per Fin21 customer.

We arrived at a running cost
of 70 euros.

With CAC, it's 250 euros.

The conversion rate of registered customers
to active customers...

Funny. People peel bananas from here,
but monkeys take the other side.

Look.

The monkeys are right.

You damage the bananas much less.

You used to negotiate more creatively...

I wasn't as successful in the past.

You want to value Fin21 at 150 million.

We can get a deal
with 8 big banks tomorrow

who all want to cooperate
with Fin21 to redirect

their customers' savings
and avoid the ECB penalty interest.

Our conversation partners from yesterday
can offer 100,000 customers

with deposits worth 3.8 billion.
I can sign 8 deals like that.

I feel no pressure
to sell Fin21 right now.

If Fin21 is valued
at less than 220 million,

we won't even talk to you.

You built Green Wallet
with the inheritance from your father?

I've been in a legal dispute
with my family.

If Green Wallet doesn't work,

I'll be broke.

We can do it.

Why are you hesitating?

Am I?

You making yourself scarce
and don't want to sell. Talk to me.

I want to sell,
but maybe not to Lindberg & Stern.

What's your plan?

Good morning.

Where have you been?

I'm on time.

Jacoby is at the front.

Let's be quick.

Can you help me?

Just a moment.

I'm sorry.

Leave it.
The cleaning lady will do it.

It's alright, leave it.

What is it now?

Oh my God!

Mr. Jacoby, is this yours?

I was caught up with something, sorry.

‐ It fell.
‐ What were you doing?

I'll buy you a new one, of course.

Sorry.

I can't believe it.

Clarnow Palace, Brandenburg

Luc here. Of course it's me!
Don't you recognise my voice?

The US and Great Britain

loosened up their regulations
a long time ago.

Only we have our banks
in a chokehold.

The result is that we aren't
competitive anymore.

Germany wants to be the eager beaver

but we're the inhibitors.

The deals, parties and drugs were cooler,
the women were hotter,

the clients were cooler,
they were happy we made them rich!

You want to announce to the press

that you want to ease up
the bank regulations?

And announce the tightening
of liability regulations for bankers.

Sorry,
but no one will understand that.

Easy to explain. Regulations down,
liability regulations up.

A clear message.
We ease up the regulations

if you're prepared
to be individually responsible.

You gamble, you're liable.

They don't understand that risk

means profit and returns,
and at times losses!

Not our fault!

I like the initiative.

You know we'll never be able
to tighten the liability regulations.

Exactly. Shall we say three? Yes?

Who are we making happy with this?

For finance people nothing is worse
than individual responsibility:

"I am liable if I gamble
with other people's money?

"I hate the new finance minister."

And the population:
"Our new young finance minister

"wants to ease the regulations
of the evil bankers, I hate him."

It's a lose‐lose situation.
What do we get from that?

Who do you mean by "we"?
You, me, the whole country?

They're ruining everything!
FinTech and all that crap.

Daring to be more realistic
means speeding up processes.

Of course this interests you.

For sure.

I think this is all a bit rushed.

You think in categories that might
have been applied in the US in 2007,

but not in the reality
of the European financial sector today.

This way we have no future.

It didn't work. Ties is now distrustful.
Thao Hoang

What are you doing with Jana?

You showed me this video. Why?

Because you're scared
I'm too interested in her?

You're trying to build trust?

I don't trust you one bit.

I think all emotions
are an engine for great success.

Revenge is an engine like that.

I wanted to show that I understood that.

I want to sell Fin21 to Global.

Then I'm asking you to be patient.

Jana works for me.

Still.

As soon as I have what I need from her,
I'll take her to court.

But I still need her.

How is it going?
Jana Liekam

I still have to clear up
a few formalities...

Jana?

I'll go and meet
with the support guy, okay?

Is everything okay with you?

I'll lose it
if it doesn't continue soon.

I think he can't do it.

Alright, take care.

Fresh air is good for you.

I'm totally against something like this,

but sometimes it can save your ass.

Only if you want it.

But you'll survive the next hours
with this.

You're almost there.

A simple police statement, yeah?

Sydow gave you money
in the last six months

so you'd meet with Peter Richard.

Sure.

You'll get the rest after.

Asshole.

But thank you.

Peter Richard
Incoming call...

Idiot.

Gabriel Fenger
Incoming call...

Mr. Fenger? What a surprise!

Jana, come quick!

An ambulance, immediately!
Do something!

My co‐worker is in pain.

He's feeling very bad.
I think maybe his heart...

Shanti is in St. Marien Hospital.

Please come!

A colleague of mine, Shantimay Bharadwaj,
was just brought here.

‐ Can you tell me where he is?
‐ I'll have a look.

‐ Can you please tell me?
‐ Take a seat.

You're not the only one here.
Other people are waiting.

Calm down. Take a seat.
I'll have a look.

Subtitling: HIVENTY