TOKYO CHUO BANK CHAIRMAN'S OFFICE
Hello.
Director Kunimatsu of Financial Services is on the line.
I'll take the call.
Hello. This is Nakanowatari.
How have you been, Director?
Yes.
FSA inspection ...
did you say?
TOKYO CHUO BANK OPERATIONS DEPARTMENT 2
Almost a year had passed since Hanzawa was promoted from Tokyo Chuo Bank,
Osaka Nishi Branch to Operations Department 2, the nucleus of Headquarters,
otherwise known as the elite unit where the cream of the crop gathers.
At one time, Hanzawa was blamed for the 500-million yen loan mishap
and was about to lose his future as a banker.
However, he cleared his name brilliantly and
earned his current position.
- Good morning. - Good morning.
All right. We'll aim for 10 minutes as usual. Let us begin.
Hanzawa delivered outstanding results, and
his presence was known at the bank.
Everything appeared to be going smoothly, however ...
Hanzawa, do you have a minute?
It's him again.
Your fan, Executive Director Owada, sent
word that he'd like to have dinner with you.
I'm aware you dislike socializing.
But this is the third time he's asked.
I'm running out of excuses.
I hate to ask, but do it this time as a favor to me.
Deep inside Hanzawa's heart,
black embers of hatred smoldered.
I tell you, there's no other screw like this anywhere.
With this screw, we can get back on our feet again.
You're the one who said you'd continue to finance us!
Please let go!
EMERGENCY BOARD OF DIRECTORS' MEETING
From the beginning of next month,
an FSA inspection will be conducted at our bank.
Financial Services Agency (FSA) Inspection
is an examination conducted by inspectors from FSA
to ensure the bank conducts its business properly
and that there are no problems with the loan customers.
If a significant problem should come to light at that time,
the bank would receive stern orders to improve operations.
If that happens, the bank would lose credibility
and the infrastructure of the business could be shaken.
The problem is the loan loss provision.
If we end up having to come up with the loan loss provision,
the operation of our bank itself could be shaken.
To ensure that there was no mistake in our credit judgment of our borrowers,
I want you to investigate thoroughly once more.
With only two weeks to prepare for the
inspection, I don't know how much we can do.
Can you ask them for more time?
At this rate, our normal duties will ...
Complaining about what's already been decided won't resolve this.
This is precisely the time we need to unite
and overcome this crisis.
Rest assured, Chairman Nakanowatari.
Looks like upper management was in quite a stir
at the emergency board of directors' meeting.
Is it something that affects the whole bank?
Probably.
Hey, Hanzawa. Are you listening?
At any rate, no matter what happens at the top, we can only work on the job we have.
You're the ace of Operations Department 2.
You think differently from us commoners.
I better get going. I've been called over to Iseshima Hotel.
Oh my, the white hope of Corporate Finance is quite busy, huh?
Corporate Finance Dept. Assistant Manager
Tokieda Takahiro
Hanzawa, don't run out of steam going too fast.
You too, Tokieda.
By the way, have you seen Kondo lately?
No, not since we celebrated when I first got here.
He looked pretty busy.
Kondo's New Workplace Tamiya Electric Accounting Dept.
I hear he's struggling at Tamiya Electric.
Is that right?
What do you think about asking him out for a drink tonight?
I'm afraid I have a minor business to attend to tonight.
Oh, really?
Hanzawa, what are your thoughts on the current state of our bank?
To be honest, I fear for it.
The merger of 12 years ago was a joint merger outwardly.
However, once you look inside,
people from the former Tokyo Daiichi Bank
accounts for practically all the major positions.
It was a bitter pill to swallow for us from the former Sangyo Chuo.
But Sir, you're up there.
I'm a mere Executive Director.
As long as Nakanowatari-san sits in the Chairman's seat,
we won't see the light of day.
Hanzawa.
Won't you aim for the top with me?
Let's regain the prestigious days of the Sangyo Chuo with our hands.
There's no other sake like Tobihime.
It's brewed in Kanazawa. Have you ever tried it?
Ever since I first had it when I was assigned to
Kanazawa Branch, this is the only sake I drink.
As I recall, you're originally from Kanazawa, aren't you?
Really? That's quite a coincidence.
You mean you and I were destined to meet?
My family in Kanazawa
operates a small factory called Hanzawa Screws.
Screws?
Is that so?
Well, times are hard now.
Operating a factory must be tough.
But I'm sure your parents are heartened by the fact that
you've become a respected banker.
My father ...
passed away 25 years ago.
Dad!
Oh, is that right?
You were still a child?
I was in my second year of middle school.
You must've endured a lot of hardship.
Hanzawa-kun, if there's anything I can do to help,
feel free to ask.
Let's work together to
make Tokyo Chuo Bank a better bank.
Hanzawa-kun.
12 billion?!
Loss from investment failure has been confirmed.
You mean Iseshima Hotel?
Didn't we give them a loan of 20 billion just the other day?
Investment Failure
to incur loss from investments, (eg: stocks)
Torieda, who handled this loan, is your peer, right?
Yes, though he's originally from Tokyo Daiichi Bank.
Unfortunately, he's been removed from this case.
Operations Dept 2 Manager NAITO HIROSHI
Hanzawa.
I want you to take charge.
Come up with measures to cover the loss of 12 billion
as well as a restructuring plan for the hotel as soon as possible.
Wait a minute please.
In that case, it's more fitting for the
Investigation Department to take over. Why me?
- It's an order. - Order?
Whose order? Yours?
The Chairman.
Why the Chairman?
I have no idea. Perhaps he thinks highly of you
for brilliantly recovering the loss of 500 million at Osaka Nishi Branch
which was thought to be impossible.
There's a two-digit difference between 500 million and 12 billion.
Even so, we need you to do it.
We're getting an FSA inspection in 2 weeks.
They willl target Iseshima Hotel for sure.
Surely you're not telling me to ...
Consequently, you'll take the lead in the FSA inspection.
If they determine there's a concern
collecting the loan from the troubled Iseshima Hotel,
our bank will have to come up with an enormous
amount of money to compensate for that.
Loan loss provision ...
would amount to more than 100 billion.
If that happens, our bank would collapse, and
the Chairman will be fired.
There's only two weeks left until the FSA inspection.
Come up with a plan to cover the 12 billion-yen
and a restructuring plan for the hotel.
You'll take it on, won't you?
Hanzawa!
Deputy Manager Hanzawa from Operations Department 2 is here.
Come in.
I'm counting on you.
In the event FSA determines that
Iseshima Hotel, which sustained an investment failure of 12 billion yen,
- Financial Services Agency (FSA)
- Tokyo Chuo Bank Loan
- Iseshima Hotel
- Troubled Borrower
- Classifies as Bankrupt Borrower -
is a troubled borrower,
the so-called effectively bankrupt borrower,
in its investigation,
Tokyo Chuo Bank will be notified by FSA
to set aside an enormous amount of money as reserve
in case that borrower goes bankrupt.
This is called a loan loss provision.
The entire amount of the loan loss provision
Loan Loss Provision
= 150 Billion Yen
Loan Loss 150 Billion Yen
will be appropriated to expenses.
Suppose the loan
loss provision for Iseshima Hotel is 150 billion,
if Tokyo Chuo Bank was anticipating an
annual earning of 300 billion yen this year,
earnings would be cut in half instantly,
causing its stock value to plummet.
Shaking the very foundation of its operation.
Iseshima Hotel's
Classifies as a "Bankrupt Borrower
Fall of Tokyo Chuo Bank
...that's what it means.
With only two weeks remaining until the FSA inspection,
coming up with the most effect plan to
Restructure Iseshima Hotel
and
Cover the loss of 12 Billion Yen
That was the mission assigned to Hanzawa.
The future of Tokyo Chuo Bank
weighed heavily on Hanzawa's shoulders.
Iseshima Hotel Main Office Building
Hanzawa-san and Onodera-san.
Tokyo Chuo constantly changes our banker.
Iseshima Hotel Managing Director
HANE NATSUKO
I have a hard time remembering everyone's name.
I apologize for that. However, from now on,
the Operations Department 2 will do our best
to support you in reviving your business.
You make it sound like we're going bankrupt.
There's a good chance you will.
Your investment failure of 12 billion cannot be overlooked.
Your hotel will be in the red for two consecutive terms.
At this rate, FSA will classify the hotel as a troubled borrower,
and we may be unable to continue the financing.
- If that happens ... - It's your job to ensure
- that doesn't happen? - We will do what we can.
However, in order to do that, it's imperative
you reconsider your business plan.
You're overreacting. There's no need to be that worried.
The investment failure was due to investment in stocks.
Operations Department 2 ONODERA JUNJI
It has nothing to do with your hotel business.
But that won't get us through an FSA inspection.
That's your problem, isn't it?
We're not running a business for the convenience of the bank.
In that case, we'd like you to return the 20 billion
we loaned you the other day for the time being.
Why?
The condition of the loan was that your business be in the black.
It's a different story if it's running in the red.
What you're saying makes no sense.
Our financial condition was disclosed in our paperwork.
We never tried to hide the investment.
It's your fault for not detecting the loss, isn't it?
But now, you want us to return it for your own convenience.
You're just like a yakuza. I can't believe what I'm hearing.
I understand where you're coming from.
However, we'd also like to hear what President Yuasa has to say.
Can we possibly see him?
Unfortunately, he's abroad on a business trip.
Besides, I've been put in charge of this matter.
If you insist on getting the money back,
Get a consensus from the bank.
Fine. We will work with that in mind.
Iseshima Hotel is a family business that's been
ruled by the Yuasa Family for generations.
In particular, Yuasa Koudou, the previous president, was quite the autocrat.
Even after his son, Yuasa Takeshi, took over as president,
the fact that they've been unable to shake the old management style
is the root of their poor performance.
Taking advantage of that situation, Managing Director Hane
tried to make a name for herself.
She must've figured she could push aside the Yuasa Family
and step in as president if she could post a profit
As a result, they incurred a loss of 12 billion.
Yes.
Director Hane is laying the groundwork that she was ordered by President Yuasa
and had no choice, but
I believe she actually did it on her own.
But we couldn't see that and ended up giving them a 20-billion yen loan.
It couldn't be helped. It's only been 3 months
since you were assigned to Iseshima, right?
No matter what the circumstance, it's my fault for not detecting it!
Besides, their sub-bank Hakusui Bank
held up on a 10-billion yen loan that was in the works fairly early in the game.
Hakusui held up?
Are you saying that Hakusui had detected the investment failure?
Probably.
If I had been more careful when it was handed over to me from Kyobashi Branch,
I may have been able to stop the loan.
Didn't the handing over go well?
They only gave me perfunctory information.
Kyobashi Branch is where the current Branch Manager Kaise, and prior to him,
Manager Kishikawa and Executive Director Owada, three members in a row
from the former Sangyo Chuo were branch managers.
It's a stronghold for those from Sangyo Chuo, so to speak.
So when a big client like Iseshima Hotel was snatched away by
the Corporate Finance Department, where a lot of
us from the former Tokyo Daiichi is gathered,
I'm sure they weren't happy.
That's ridiculous. Pulling each other's leg within the same bank.
Kaise, branch manager, is all about looking good and maintaining pride.
Plus, his subordinate, Kozato,
is quite a cunning devil himself.
They're much better informed than me in regards to Iseshima.
If you want more information, talk to those two.
I'll do that.
I apologize.
For passing the buck to you.
That's for sure. You better treat me sometime.
I'd love to, but
that won't be possible for a while.
Don't tell me you ...
I've been transferred to
an affiliate in Nagoya.
Take that! In a director's position even.
Fight it, Tokieda!
- This didn't happen just because of you. - It's a waste of time.
The decision's been made already.
That's how banks operate.
You should know better than anyone.
I'm glad you're the one taking this over.
I'll leave the rest to you.
You mean Hakusui detected the investment failure?
How was Hakusui able to detect it when
a capable man like Tokieda couldn't?
Not only that. We're also a markedly better bank.
There's no way they had more information than us.
Something's going on.
Do you have any connection to Hakusui's main Loan Department?
Main Loan Department?
Abu.
- Abu, Abu, Abu... - You okay?
There's Abu. Remember? He played rugby.
Aburayama!
Yes, Aburayama. We were in the same seminar.
You know him, don't you?
We used to drink at Torisei in Hiyoura all the time.
He's the deputy manager of the Loan Department at Hakusui.
Tokyo Chuo Bank Kyobashi Branch
Deputy Manager, as I already said,
I have nothing to do with that anymore.
If it's about Iseshima,
I've passed everything to Tokieda-san.
Kyobashi Branch Deputy Manager KOZATO NORIO
Please ask him.
I heard from Tokieda the handing over didn't go too well.
Surely you're not saying it was our fault the
investment failure went unnoticed, are you?
Certainly not.
But apparently, Hakusui noticed it.
Do you have any idea how they knew?
How am I supposed to know about other banks.
At any rate, I've passed on everything I know.
Excuse me.
It's time for my next engagement.
Please give me a break.
Excuse me.
Kyobashi Branch Manager KAISE IKUO
- Is he gone? - Yes.
He was asking about Iseshima Hotel.
Kozato.
Troublesome matters should be ... You know what to do, right?
Yes, sir.
Kondo.
Hanzawa's Peer KONDO NAOSUKE
Hey.
- Are you here for business? - Yeah.
To ask for this term's loan.
Sorry, I haven't been able to ask you out for a drink.
I've been pretty busy myself. That makes two of us.
Are things going well?
I'm getting by.
Oh, shoot. I gotta go.
- Let's have a drink soon. - Sure.
See you.
That's why I'm asking where you got these numbers.
How many times do I have to say it?
From discussions with the president and sales manager.
Under the present situation, we can't project any further.
In the first place, you don't even have a written mid-term plan.
The President and I are currently writing one up.
I'm sure we can have it ready by next meeting.
If you can give us a loan based on this ...
This won't work. Do it over.
Please wait. If we can't get a loan by the end of the month,
we won't be able to keep going.
I'll fix whatever it is that needs to be fixed.
Can't you please give us a loan based on this? I beg you.
Kondo.
Are you sure you're a former banker?
You're a disgrace.
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What are you planning to do, Kondo-san!
I'm sorry. President,
have you had a chance to think about the mid-term business plan?
Business plan?
Even without anything like that,
we had no problem getting a loan until now.
Tamiya Electric President TAMIYA MOTOKI
Are you sure you're not the cause of the problem?
It doesn't have to be detailed at all. Please ...
Do you know what Mozart said?
When he was pestered for his composition, he said,
"Don't worry. It's already composed."
"The composition is ...
in here."
Even if we don't submit a business plan every time,
a company of our size should have no problem.
- However ... - Anyway,
please use your head a little.
Like asking your acquaintance at the bank to pull some strings.
There's plenty of ways to get it done, isn't there?
You're here precisely for that reason.
Use whatever connections you have.
City banks, local banks, credit unions.
Whatever you can get by the end of the month.
Or else we'll be in deep trouble.
Don't rely on Tokyo Chuo anymore.
We have to find the money on our own.
Be prepared to stay out there until you have a loan in your hand. Got that?
Can't even finalize a continuation of the loan, and yet, he's department manager.
Must be nice to be an ex-banker.
Ogawa! It's rude to talk like that
to Mr Ex-Banker.
Tamiya Electric Accounting Chief NODA HIDEYUKI
Oh, but I suppose that's why you're here,
Mr Ex-Banker.
I find it hard to believe the paperwork Kondo prepared was inadequate.
I can only think this Kozato guy doesn't have discerning eyes.
But Hanzawa, this isn't the time to worry about others.
Concentrate on Iseshima Hotel. How's the restructuring plan coming?
What's there to come along when President Yuasa's
gone overseas and I can't talk to him.
All Director Hane does is persist that the bank is at fault too.
She won't even listen to us.
Are you going to be okay?
Hanzawa. Tomari.
Hakusui Loan Department Deputy ABURAYAMA TETSUYA
Abu.
- Abu, how you been? - Good.
Looks like you gained some weight.
Not just some, quite a bit. I still go to Ramen Jiro's once a week.
Big Double Yasai Karakara me*? * Extra ramen noodles
I'm too old now. I have to settle for a small double.
So, what's up?
- Actually, it's about ... - Iseshima Hotel.
You got it.
Deputy Manager Hanzawa's wife is joining us for the first time today.
Director Kishikawa's Residence
As wives of husbands who started out at the former Sangyo Chuo,
I hope we can keep our acquaintance a long time.
Of course. I'm honored to be included in your group.
Speaking of Deputy Manager Hanzawa, he's the ace of Operations Department 2,
which is considered a superstar even within the bank.
We're the ones who are honored to make
acquaintance with the wife of someone like that.
No, not at all. He isn't that great ...
There's no need for you to be so modest.
He's been entrusted with a critical mission for this next FSA inspection, hasn't he?
So, if this FSA inspection doesn't go well,
- Company Housing in Tokyo -
you to have to take responsibility again
and might get transferred out?
- It may come to that. - What do you mean it may come to that?
I'm not moving. It's only been a year since we came back.
There's no way I'm moving again.
I'll do my best so that it doesn't come to that.
Why did you accept such a difficult challenge?
What can I do? It's the Chairman's order. I couldn't say no.
The Chairman's order?
That's awesome. How cool is that~
- You think that's cool? - Heck yeah.
But why did he choose you?
Have you ever restructured a hotel before?
Just once, a long time ago.
Really?
Deputy Manager Hanzawa, who is in charge of Iseshima Hotel,
would like your consensus to request
immediate repayment of the 20 billion-yen loan.
Please give it your consideration.
What is the Operations Department's opinion?
We request immediate repayment.
I am of the same opinion.
I believe it's wiser to close an open wound when you can.
Will Iseshima be all right if we pull out the 20 billion?
Deputy Manager Hanzawa is of the opinion that we should pull out
the entire amount for now, and give them a loan after a re-evaluation.
I see.
- Well then ... - One moment please.
A short while ago, we received a call from Director Hane at Iseshima Hotel.
From Hane-san?
Iseshima Hotel's loan from its sub-bank, Hakusui Bank, was discontinued,
and they also incurred a loss of 12 billion from investment failure.
If, at this point, we take away 20 billion yen from them,
she stated that their business foundation
itself will be shaken, causing a major crisis.
Director Kishikawa,
the Chairman personally appointed Deputy Manager Hanzawa as Iseshima Hotel's banker.
Are you implying that he erred in his judgment?
That is certainly not what I meant.
Wait a minute.
If we were to force them to repay the 20 billion
and if, as a result, Iseshima itself went bankrupt,
we're putting the cart before the horse.
Chairman. In this regard,
we ask for your careful judgment.
In other words, we won't ask Iseshima Hotel to repay the 20 billion.
- Is that right? - That's right.
But I'm still supposed to find a way to get through the FSA inspection?
Fine. If that's the opinion of the Board of Directors,
let's wait and see for a while. However, that decision is wrong.
No matter what the circumstances are,
we should not depart from the bank's principles.
We should not be lending money that can't be recovered.
I understand what you're saying. However,
this decision was approved by the Chairman.
Why is Iseshima Hotel refusing to return the 20 billion?
From Iseshima's perspective, if we're forced
into providing a loan loss provision by FSA,
it would be more of a blow to their future funding.
In spite of that, they're not only refusing to return the loan, but
they're not cooperating with our plans to deal with the FSA inspection.
Something's not right.
For the time being, everything's going according to our plan.
But that Hanzawa banker
is sniffing around.
Not that he'd be able to do anything before the FSA inspection.
I'd like to continue a good business relationship
with your bank for a very long time.
Even after I become president of Iseshima.
Togoshi-san.
You're in charge of accounting at Iseshima Hotel,
Togoshi Shigenori-san, right?
Who the hell are you?
My name is Hanzawa. I'm with Tokyo Chuo Bank.
There's something I'd like to ask.
I have nothing to say to you.
I heard about you from Hakusui Bank's Aburayama.
Iseshima Hotel, while incurring a loss of 12 billion due to investment failure,
tried to cover that up.
You gave a tip-off to Hakusui Bank, didn't you?
Thanks to you, Hakusui was able to hold back on the loan.
What if I did?
Togoshi-san,
why did you tell Hakusui and not us?
Under normal circumstances,
wouldn't you consider telling the main bank first?
You're a hopeless fool, aren't you?
You know nothing.
Don't tell me ... did you inform our bank as well?
But it was hushed up.
Yeah. What's more, you guys at Tokyo Chuo
snitched on me to Iseshima instead.
In the end, I could no longer work at the hotel, and
was picked up by this company.
I'm like waste material myself.
Who at our bank did you talk to?
Our banker at the time, who else!
Now that you know, get out of my sight.
If you don't, I might beat you up.
Togoshi-san,
for what Tokyo Chuo Bank did to you,
I apologize on behalf of the bank. I'm terribly sorry.
Cut it out. What difference does it make now!
Aburayama told me, thanks to you, they weren't deceived out of a loan,
That he's grateful to you.
I, too, stand by the courageous action you took.
Won't you lend me a hand one more time to track down the man
- who suppressed the information you gave? - You've got to be kidding!
You don't expect me to trust you guys, do you?
Don't you ever show you face in front of me again.
Where in the world did you come up with this talk about a tip-off.
Weren't you told of the 12-billion yen investment failure
by Iseshima Hotel's Accounting Section Chief Togoshi?
- That's news to me. - No, you knew about it.
Togoshi-san said he told you.
That's just nonsense spoken out of unjustified
resentment by the man who was fired by the hotel.
It's foolish to believe everything he says.
Kozato.
If you want to speak the truth, now's the time.
I've had enough already.
Don't let it get to your head just because you made deputy manager at your age.
If you insist on making false accusations against me,
I can contact upper management at Headquarters
and make an issue out of the way you do things, you know?
I dare you to do it if you can.
However, when your misconduct is exposed in due time,
I'll show no mercy. Double payback!
Remember that.
This guy is hiding something.
Why did he hush up the tipoff?
Did Director Hane, who wanted the loan,
ask their banker, Kozato?
No, Kozato's a wimp. He doesn't have the guts to take such a big risk
that could get him fired should he get found out.
It's hard to believe that Director Hane will deal with him.
Is there some big shadow moving in the background?
Unless I can track that down, we won't get through the FSA inspection.
President Yuasa.
I just returned to Japan a short while ago.
I thought I should see you as soon as possible.
When I tried to contact you,
I was told you were here.
Pleased to meet you. I'm Tokyo Chuo Bank's ...
Hanzawa Naoki.
I asked Chairman Nakanowatari to assign you as our banker.
Iseshima Hotel President YUASA TAKESHI
I met you once a long time ago.
Do you remember the conference on measures to
support the restructuring of Dai-Tokyo Hotel?
What are you afraid of?!
If you're prepared to reform your management policies,
Sangyo Chuo Bank will do everything we can to support you.
You were there?
I had just graduated school and was in training at that hotel.
Is that so?
Please.
When the main bank and most other banks were pulling out,
you, alone, aggressively looked for ways to support us,
and even attended our management meetings and
made every effort to revive the hotel.
I've come in contact with many bankers to date, but
I never met a person like you before or since.
What made you go that far?
If there's even a slight chance a patient can be
saved, no doctor will sit back and do nothing.
It's the same thing.
I believed that I could save Dai-Tokyo Hotel.
That's why I gave them my assistance. That's all.
To those discerning, accurate eyes of yours,
how does the current Iseshima Hotel appear?
It's a mortally wounded goliath.
But it's not dead yet.
There's got to be a way to save it.
I did what I could to come up with a new restructuring plan.
We've been focusing on domestic and Western clientele until now, but
I'm thinking about gaining customers mainly from Asia.
I already signed contracts with major travel agencies in Shanghai and Singapore.
That's why you went abroad?
I've also commissioned Nalusen to develop the latest IT system.
You mean Nalusen, that IT venture?
By the end of the year, overseas customers will be able
make reservations directly through our new system.
In addition, I'm planning to invite experts from outside
and hold meetings to discuss innovation.
In short, are you getting rid of
the bad tradition that tied down your business?
Bidding farewell to your father, the autocratic manager.
Can I take it to mean that?
If you're prepared to do that,
I'm sure you will be able to revive your company.
Thank you.
But first, the FSA inspection.
If we don't get through that, your hotel and the bank will both go bankrupt.
Hanzawa-san.
For both the 12 billion investment failure and
failing to report that sooner,
I apologize deeply.
Didn't Director Hane do everything on her own?
Even if she did,
it's my fault for allowing her to do it.
All right.
Then, President, if you can finalize the restructuring plan and
look for ways to cover the 12 billion as soon as possible.
- Got it. - And ...
I have one more favor to ask.
Completely translated and timed by subie06
I, too, would like to pass the loan through for Tamiya Electric if at all possible.
Thank you very much.
Are you taking me for a fool? Huh?
Just because you want a loan badly,
how dare you bring in an unrealistic fake business plan like this.
Fake...Surely you can't mean that ...
- What. - Nothing ...
Won't you tell me specifically
what's wrong with it? So that I can fix it.
I'm telling you that it's your job to find the answer.
Can't you even understand a simple thing like that!
No wonder you got kicked out of the bank.
Listen.
Come back with more realistic numbers.
Otherwise, I ain't giving you a loan even if it kills me.
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Are you sure you're a former banker? You're a disgrace.
If you can't do anything, what was the point in getting you from the bank.
It's rude to talk like that to Mr Ex-Banker.
Kondo.
Hanzawa ...
I ...
Come with me for a bit.
Think back of our college days.
Kondo!
What?
- Nothing. - Got banged up on your head too much?
Thanks.
Hello. How have you been, Togoshi?
You're late.
I don't appreciate getting called out suddenly like this.
I'm busy too what with the coming FSA inspection.
Give me a draft.
Give me one more.
Sounds like Iseshima's getting singled out for the FSA inspection, huh?
You're well informed. But that's none of your business.
Since you don't belong to Iseshima anymore.
- Whose fault is it that I'm like this ... - Isn't it your own fault?
I told you there was going to be a loss of 12 billion.
- Why did you ignore it? - That again?
And to think I took time out of my busy schedule to meet with you.
That's all over already.
- Nothing's over for me yet. - No, it's over.
You're to blame for everything.
It's because you did something outrageous like blowing the whistle.
But you hushed it up and snitched on me to Director Hane, didn't you?
I told you that's a misunderstanding. I told my boss like I was supposed to.
It wasn't me that covered it up, but someone above me.
- Who was it? - That's none of your business.
If you're gonna keep on talking nonsense, I'm leaving.
No, you need to stay and talk. Although it's not with me.
Some bankers these days are idiots.
You never know who's sitting at the next table, but
here he is, loudly babbling insider information without a care.
That's for sure.
So you knew a loss was going to be sustained, but you didn't report it.
That could get you in trouble, huh? Kozato-kun.
- You guys ... - Okay, let's hear
- what really happened. - I don't know what you're talking about.
We recorded your earlier conversation in its entirety.
Giving lame excuses at this point in time would only be unsightly.
Kozato, from Togoshi-san's tip-off,
you knew that Iseshima was going to have a huge deficit.
In spite of that, you covered it up, and proceeded with the loan.
Why did you do that?
Remember what I told you. If the truth becomes known, I'll show no mercy.
Answer me, Kozato!
I'm sorry.
But believe me. I ...
did report it to Manager Kaise.
But I was told to wait and see how goes it goes for a while ...
You did everything on Manager Kaise's order?
- I don't believe you. - I'm not lying.
- Please believe me. - Where's the proof?
- Proof? - I'm talking about the proof
you reported the tip-off to the branch manager.
You didn't just tell him verbally, did you? There should be a written report.
There is, but it's among the files to be moved temporarily.
Where are those files now?
In the Kyobashi Branch vault.
But before the FSA inspection starts,
the Branch Manager's supposed to take them to his residence.
- His residence would be tricky. - When's he transporting them?
Tonight, 10:00 PM. By car.
9:15 PM
We're gonna get it right now.
Are you serious? It's too late already.
Do you think I can leave a dangerous thing like that with you guys?
Just think what would happen if FSA gets a hold of it.
We'll get orders to improve business operations at once.
And Tokyo Chuo Bank will lose credibility.
I'll take it before the FSA inspection starts.
But that's impossible.
Only the section chief in charge can enter the vault.
Try first before you say it's impossible.
Anyway, let's go.
If I cooperate, you'll overlook what I did?
Why would I do that?
You'll just get a less severe disciplinary action, that's all.
But if you don't cooperate, I'll broadcast
your earlier conversation throughout the bank.
If that happens, you're
fired without severance.
Kyobashi Branch Employees Only Passageway
In order to open the door of a vault at the bank,
an 8-digit pass code must be entered.
Next, the key is used to unlock the door, but
that key is stored in the key box, and
- Key Box -
to open that key box,
yet another pass code is required.
These pass codes are
controlled by a different section chief in charge every week,
even the branch manager does not have access to them.
It's already 9:30. At 10:00, the Branch Manager
and Section Chief in Charge will be here.
Where's the desk of the Section Chief?
Over there, in the back.
- Where's he from? - Was it Nagoya?
Are you stupid! I'm asking which he's from. Tokyo Daiichi or Sangyo Chuo.
- He's from Sangyo Chuo. - How old is he?
- Maybe 42, 43? - All right. Then ...
What are you going to do?
Hey, what the heck are you doing?
Found it.
The pass code has 8 digits.
Just in case you forget it, taping it under the desk like this
is the bad tradition of a group of us that entered Sangyo Chuo during the Bubble Era.
But the key. There's a different pass code for the key box.
1214
The last four digits never change. 1001.
Thanks to you, I came here numerous times and was terrorized by you every time.
To escape from reality, I memorized these numbers.
All right!
There they are! Those two boxes.
They're here.
Give it up!
Hey Hanzawa, we'd better stop here ...
- We're dead. They're almost here. - Close the door.
- What? - Just close the door for now.
Oh, good evening, Manager.
What are you doing here, Kozato?
I thought I'd help you bring the files.
- Really? Thanks. - Not at all.
Chief Haide, if you can get to work at once.
What're you doing? Give him a hand.
Bring them out.
Hey, what're you doing? Hurry up!
Kozato, do something.
If they close the door now, we're stuck here till tomorror.
Why the hell are you standing still. Move it!
I'm terribly sorry.
I'll bring it out right away, so can you go ahead and take that one first?
You'd better hurry.
Let's go.
That's why I told you it was impossible.
You're wrong. Where there's a will, there's a way.
LOSS OF 12 BILLION YEN
DUE TO FAILURE AT ISESHIMA HOTEL
This matter to be discussed at a later date
Banker in Charge (Kozato)
Branch Manager (Kaise)
Manager Kaise
will have a lot of explaining to do later on.
You're a lifesaver, Kondo.
If you weren't there, we wouldn't have been able to open the vault.
No, I'm the one who should thank you.
About the loan ...
Kozato! I'm telling you one more thing.
I hear you're balking to approve Tamiya Electric's request for loan.
That's because, uh...the required information is ...
While it's true parts of President Tamiya's
vision in the mid-term plan is hard to grasp,
but even you take away that part, it's realistic and well-written.
- What's wrong with it? Tell me. - That's uh...
The Branch Manager told me not to easily approve loans before the FSA inspection ...
Is everything someone else's fault?!
Guys like you aren't qualified to make credit decisions.
Approve it tomorrow! You got that?
I knew it, but still, you're amazing. You haven't changed a bit.
When I'm with you, I feel as if I can go back to being the old me.
You haven't changed a bit either.
You're in there fighting for Tamiya Electric.
Your title or where you're at may change, but you're still you.
Right?
Togoshi-san, thank you.
Thanks to your cooperation,
we're starting to see what's going on.
You don't have to thank me for anything.
In the first place, I wanted to give Kozato hell too.
And I'm going back to work for Iseshima Hotel.
Is that right? I'm happy for you.
You put in a word for me, didn't you? To President Yuasa.
I have one more favor to ask ...
It's about Togoshi-san, who once worked for you.
President Yuasa called me personally and apologized.
He said you told him what happened.
I just told him the truth.
In all honesty, my distrust for Tokyo Chuo Bank won't go away.
But
as slight as you are, you're like a wild boar.
The fact that you're our banker
is my only ray of hope.
Please save Iseshima Hotel.
I'm counting on you.
As your banker, I will do my utmost best.
That report you got. Whose signature was on it?
Branch Manager Kaise's.
If I say this, all the effort you put into it
may have been for naught, but
the relationship between the previous Kyobashi
Branch Manager and Iseshima is shrouded in darkness.
The previous branch manager?
Kaise is merely the entrance to that darkness.
He's the lizard's tail.
Instead, it's someone higher up ...
Hanzawa.
Executive Director Owada would like to see you.
He's the one at the center of the darkness.
Look for evidence against him.
Good morning.
Everyone, I have something to say.
I got a call from Tokyo Chuo Bank. The loan has been approved.
It's about time. It sure took a long time.
Considering you're Mr Ex-Banker.
I apologize for my lack of ability.
From now on,
I'll work harder to serve this company.
Please give me your cooperation.
There's no need to push yourself. We'll just keep on doing what we've been doing.
Right, Chief?
That's right.
To get straight to the point,
I'd like to write up a detailed plan for the future.
Can you get me the financial statements through the last term?
Kondo.
How many times do I have to tell you?
I'll take care of everything.
Please leave well enough alone.
You ...
you just worry about getting money from the bank.
You're Mr Ex-Banker after all.
Okay, let's get back to work.
Think back of our college days. Kondo!
Where there's a will, there's a way.
Guys like you aren't qualified to make credit decisions.
Approve it tomorrow!
Your title or where you're at may change, but you're still you.
Right?
Noda-san.
Please.
Please bring me the financial statements.
Stop pestering me. I told you to stay out it.
Noda!
I said bring me the financial statements.
Let me tell you one thing.
Right now, I'm
the Accounting Department Manager at Tamiya Electric.
Don't you ever
call me Mr Ex-Banker again.
Noda.
Answer me!
Ogawa!
That goes for you too.
What is it that you wanted to ask?
I heard a rumor that
you're investigating some kind of misconduct
at Kyobashi Branch. Is that true?
Yes. It's true.
That doesn't sound good.
With the FSA inspection right around the corner,
as Executive Director, I can't very well disregard rumors of misconduct.
Tell me the details, if you don't mind.
What's wrong, Hanzawa?
Tell us everything you know.
All right.
The truth is, there was an individual who tipped off the bank that
Iseshima Hotel incurred a loss of 12 billion.
However,
Branch Manager Kaise and Deputy Manager Kozato at Kyobashi Branch
suppressed that tipoff and
although they knew we'd sustain a loss,
they worked around it so that Iseshima's 20-billion loan was approved.
Kaise-kun and Kozato-kun did that?! Do you have proof?
I do.
What kind of proof? Let's see it.
- I can't show it to you right now. - How come?
I'm safeguarding it as the most important temporarily moved file.
What's more,
behind this misconduct,
there's a possibility someone else gave orders to Manager Kaise.
Until it becomes clear as to who that is,
I believe it best to refrain from disclosure too soon.
I see.
Then, if it's someone who gave orders to Manager Kaise ...
First, the previous branch manager at Kyobashi Branch. Manager Kishikawa.
Was it you?!
- You must be joking. - Oh, it's not you.
If it's not you,
the branch manager at Kyobashi Branch before you, me.
Before me, it was Ito-san who went to Teikoku Jukou.
- Before that was ... - Unfortunately,
the branch managers prior to you
have all retired.
Those who were previous branch managers and still active
are just you two.
That's not good.
At this rate,
we're going to be turned into suspects.
That's our Hanzawa. Even his jokes are top-notch.
I didn't intend for it to be a joke.
As Iseshima's banker,
I think it's only natural that I suspect you two.
In any case, Kyobashi Branch is
the root of corruption at Iseshima.
- That's what I suspect. - That's my point.
When I was the branch manager there,
there were absolutely no problems.
This problem arose as soon as the responsibility
was transferred to Corporate Finance.
Corporate Finance Department, which is lead by former Tokyo Daiichi,
is precisely the root of corruption. That's what I believe.
The loan to Iseshima was already approved
prior to the transfer to Corporate Finance.
In spite of that, you
pushed responsibility to Tokieda, who was only assigned there for 3 months,
and transferred him out, didn't you?
Personnel management is everything at a bank ...
That must be how you've been
getting rid of people who get in the way, people who become unnecessary.
Please tell me one thing.
What kind of a bank is it that Executive Director Owada is aiming for?
- What is this, out of the blue? - That's all right.
Why, of course
the best mega-bank in the world that supports this country's economy.
Our mega-bank cannot collapse.
That, we have to defend to the end. If we should collapse,
do you know how many millions of people will be out in the cold?
In order for the bank, this Japanese economy, to survive,
sacrifice is inevitable. I'm being realistic here.
- Don't you think so? Hanzawa-kun. - No.
That's not what I think.
Banks are nothing more than money lenders, Executive Director.
We're here to lend money and make money off interest.
That's all.
Isn't that precisely why
we need to ascertain who we lend money to with sharp eyes,
and bear responsibility for those people's future?
Refusing to lose out to competition, rivalry
between factions. That's all fine and dandy.
But there's one thing we must not forget.
That's the fact that we, bankers,
aren't working to protect the bank,
but to protect the working people of this country.
Citizens don't exist for the bank, but
banks exist for the citizens.
We must not forget that belief.
We are not
working for our superiors or the organization.
No matter how small the business is,
as long as they're working earnestly,
we don't have the right to trample on their livelihood.
Sure, I understand.
But you know,
we're both basically saying the same thing.
It's just a difference in perspective.
You understand, don't you?
Let's get back to the subject. What were we talking about?
Somebody suppressed the tipoff regarding Iseshima Hotel.
Who that somebody is, and why he did that,
I don't know yet.
But it's a fact that
Iseshima Hotel sustained a big damage because of this issue.
I ...
as their banker, will do everything I can to protect Iseshima Hotel.
Even if I have to grovel in the ground, even if I have to get down on my knees,
I'll revive Iseshima.
In order to do that,
no matter who my opponent is,
I'm prepared to fight with everything I have.
Please remember that.
Get down on your knees?
That's just a worthless show for people who want sympathy.
It means nothing.
It's true, I've had many folks cling on to my legs.
But it didn't make sense to me.
The folks who did that, every one of them,
they were incompetent people.
You probably wouldn't understand.
The people who get down on their knees ...
their desperation,
their frustration ...
Executive Director Owada.
If I'm unable to save Iseshima Hotel,
for all the disrespectful things I said to you,
I will get down on my knees and apologize.
However,
if you're the one who ordered the cover up,
please get down your on knees and apologize.
Don't push your luck, Hanzawa!
I'm talking to the Executive Director. I'd appreciate it ...
if you didn't interrupt conversation.
Fine.
If you can do such a thing, that is.
Go ahead, give it a try.
FSA INSPECTION - DAY 1
Financial Services Agency, Inspection Bureau.
I'm Chief Inspector Kurosaki.
We will now conduct the FSA inspection.
Nice to meet you.
Long time no see.
Completely translated and timed by subie06 srt reduction ~ Vultural