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Our branch is being closed?
It hasn't been officially announced yet,
but the bottom 20 percent of the branches will close.
Then is our branch also at risk?
The head office gave us a warning...
which means we're at risk, but we must still have hope.
When they determine the performance of a branch, they'll look at...
deposits, loans,
investments, and bancassurance.
I believe these elements will give us the points.
In my opinion, I think we're doing pretty well...
with investment options, deposits, and bancassurance.
It's loans where we're doing poorly.
This is because you only...
want to give loans to individuals.
We'd make so much more profit if we give loans to corporations.
Yes, that's why...
I'll jump in to promote our loan business...
and to bring up our branch performance.
Those market vendors and other customers of the neighborhood...
will be at an inconvenience...
if our branch is no longer here. We shouldn't let that happen.
Let's all do our best in our respective positions.
Branches with poor performance will be closed down soon.
Please don't worry.
We'll give you a low interest rate.
We'll do our best for you.
The renovation turned out very nicely.
Are your customers reacting positively to it?
The people that still come made compliments,
but ever since that big grocery store opened,
we only get half of our customers.
I went around here and there on my way,
and they all said the same thing.
Our produces are good because we get them...
from local farmers,
but young people these days don't care about that.
Since it's kimchi-making season,
I stocked up a lot of cabbages and radishes,
but I'll end them throwing them out if I can't sell them.
Your term deposit has matured.
Why don't you deposit it at our branch?
We provide a prime rate for small businesses.
You already got the maximum amount of loan...
with your farm as security.
Your business expansion proposal looks good,
but with your current rate of return,
I'm not sure if the head office will approve your application.
Do you have additional security we can write down?
Then our bank...
won't be able to give you a bigger loan.
In the current state, the head office...
will turn back the application even if I forward it.
I'm so sorry.
(Deposits, Withdrawals)
Please check this part.
I feel sorry for him, but if we approve every loan,
we'll end up with bad debts.
On top of that, our branch is doing poorly in loans.
What is it? What kind of company does he run?
He moved to the country from Seoul.
He wants to sell produces directly through an online platform.
I think he expanded his business.
His business plan looks great,
but he hasn't made much profit.
If everything works out the way you plan, we'd all be rich.
That's true.
- Ms. Jin. - Yes?
Can you pull me a list of our corporate customers?
I think I better take action.
Thank you, sir.
- Go. - You should go.
You made the waterway towards our field,
and now all our garlic are rotten!
What are you going to do?
How will you be responsible?
That's why I apologized.
We didn't know your field was on that side.
Do you have those eyes for decoration?
I guess you do...
since I've never seen you greeted me first before.
Are you looking down on us...
because you're from the city?
I really can't talk to you.
Gosh.
Look at that. What a rude wench!
I'm scared my daughter-in-law will be someone like you!
- My goodness. - Gosh.
- Gosh. - What is the matter?
Young people these days are so rude.
They hardly greet you even when they see you,
and they dug a waterway towards our field.
Our whole garlic field was flooded.
That's not all.
Last time when there was drought,
she took the waterway to her field.
She did that...
when there's an order in watering each field.
But she didn't seem that rude.
Perhaps she doesn't know how the village runs...
because it's not been long since she moved in to this village.
Mr. Noh! Whose side are you taking?
Are you siding with her because she's from Seoul like you?
No, no. I'm not trying to side anyone.
Young people came to live in this farm village...
where it always lacks helping hands.
I felt bad that she couldn't fit into the village.
She can only fit in when we can agree with each other.
Those young people are so rude.
My gosh.
We can't hire anyone because we can't pay them.
How can we secure a supply?
Even if we do so, how will we make up for the canceled orders?
Are we just going to end up in debt...
by securing a supply when there's no one to buy it?
What do you want me to do? It's not like I knew this would happen!
Darn it. Move.
I'm sorry for visiting at a terrible timing.
What are you doing...
in my farm, Mr. Noh?
They said it's difficult for me to get an additional loan at the bank.
- What? - Are you here...
to keep an eye on me so that I don't run away at night?
You already visited the bank?
Please leave if you have nothing to say.
I have nothing to say to bankers.
Is it okay...
for me to look at the document you wrote to get an additional loan?
(Product development proposal)
(Large-scale distributor, secure enough supplies)
(Customers' propensity)
Ms. Han, it's me.
Can you give me the number...
of the outsourcing staff that examined business plans...
when you were in the headquarters' Evaluation Department?
Yes, I found a business that seems okay.
(External aspects, Internal aspects)
I told him to improve the performance,
not bring up a small company like this one.
- Mr. Kim. - Yes?
You remember Haewon Construction in Sejong, right?
The one that sold its headquarters building not long ago.
Its primary bank is Myungsung Bank.
It's not that clean,
but I guess it'll help improve the number of loans.
Hello? Yes.
Thanks to your hard work,
the bancassurance and card performance improved.
But the number of business loans is far too low.
That's why I got a deal.
You all know Gongju Daily, right?
The key newspaper company in Gongju.
Gongju Daily? Which one is it?
I signed a deal that made us Gongju Daily's primary bank.
I heard they're installing new servers.
If it's a newspaper company,
they must've asked you to put our advertisement on their paper.
Yes, that's why...
I paid the newspaper company exactly 20,000 dollars,
which is all we have left for promotional expenses.
If it cost 20,000 dollars,
I don't think it'll do us any good.
Wouldn't using 20,000 dollars...
for promotion be more than what we get?
Then what could I have done?
Otherwise, we wouldn't be able to reach...
the goal record for business loans.
There's a farm that runs a business that caught my attention.
I can't tell you anything right now...
because it hasn't given shape to its plan,
but once its plan works, it will help us with our evaluation.
I'll decide if we can make a deal after looking into it more.
Oh, right. When you weren't in the office,
Ms. Han introduced a company to us.
It's a mid-sized construction company in Sejong.
Right.
I'll talk to her separately and review it.
Thank you for working hard until this hour.
I know it's hard, but let's all do our best...
until the day of final evaluation where they pick branches to close.
- Yes, sir. - Yes, sir.
Actually,
we already have a primary bank.
But the headquarters' Ms. Han...
asked me to make business deals with the Gongju branch.
You will let us take out the loan...
as much as we want, right?
Your company's sales haven't had any growth...
with total sales of 30 million dollars or less.
And the last year's net profit suddenly increased.
Why would a company that earned profit...
suddenly need a loan?
Pardon? Well, it's because...
we want to expand our business.
According to this report, you sold your headquarters building...
not too long ago.
It seems like your profit increased because you sold that building.
I'm not sure if you'll pass the evaluation by our headquarters...
because the field of your business is already a red ocean.
Your company is highly likely to become a lame-duck company.
I don't think our bank can make a deal with your company.
It's not like we asked you first.
You're the one who asked us to make a deal first.
Why would you reject it now?
Why did you even make me come when I'm so busy?
I'm sorry.
Goodness.
Ms. Han introduced him to us.
Why did you reject him?
It's a big company to improve our performance on loans.
We can't make a deal...
with a weak company just to raise improve performance.
Let's go out and drink.
My gosh.
Gosh, Mr. Noh.
Do you even want to save our branch?
Vice Branch Manager got drunk alone again.
The branch needs to be saved in order for you to live.
I heard it costs you millions of dollars...
to pay for the hospital fee of your divorced wife!
He said to keep that a secret.
Hey! There's no secret in a small branch like ours.
I heard you cancelled the installment savings,
mortgaged your house, and submitted loan application...
to Ms. Jin because of the hospital fees.
Let's be frank.
You're the one who's most likely to be fired...
once our branch is gone.
They put you on the waiting list, but that's as good as getting fired!
But you rejected Gongju Daily,
and you even rejected the company that Ms. Han introduced.
We're not exactly in a situation to be picky.
My gosh. What's wrong with you? Stop it already.
Let go, you punk!
I mean,
if you're a branch manager,
you should go and get yourself...
an expensive suit from a department store.
Don't freeload at your subordinate's mom's restaurant.
You should take us...
to a Japanese restaurant or a fancy restaurant...
and boost our morale.
What's wrong with you today?
I understand how you want to live an honest life.
But you should consider the lives of your subordinates also!
Will your subordinates be able to live a confident life...
if their workplace closes down?
Don't you think so?
He's only saying these things because he's worried about you.
My goodness.
Our branch isn't so bad for individual businesses...
to take out a loan.
Isn't a collection of them equivalent to one big company?
Take care of him and send him home.
I have somewhere to be.
Mr. Noh!
You have to pay for this!
Mr. Jung!
Why are you doing this?
Let go of it!
My wife...
took our kids and went to her parents' place.
I tried my best, you know.
What did I do so wrong?
Your bank's no different.
You told me my business plan is solid...
and to increase my loan.
Now that my business isn't doing well, you want me to pay back.
Banks...
are no different than loan sharks who are only after money.
If I tell you there's a way, will you look for it?
Would you put your faith...
in me and the bank again?
Mr. Jung!
Your bank...
killed my dad.
Mom finished her treatment and came home.
Thanks, Dad.
This must stop.
No more people should die because of banks.
(High-quality produce)
Did you reject the construction company I recommended...
and believe in something with no potential?
The company has a lot of problems.
You can't afford to be picky.
You need to raise your credit ratio.
It might help right now,
but that company's risk will become ours down the line.
This is unbelievable.
And Good Food Table...
has a solid business plan.
It stands a chance if it can...
streamline production and distribution and secure a market.
Okay. I'll find as much as I can.
Don't focus too much on this.
Find other ways to...
raise the credit ratio of your Gongju branch.
Okay?
Gongju branch manager?
Noh Dae Ho?
Is our branch manager out again?
(Daehan Bank)
He's trying to find a way to get Good Food Table...
to connect farmers and merchants...
and create a cooperative.
A cooperative?
It only pays off if it works.
Would it be easy to bring together people...
who are used to doing their own thing?
If it were to work out, it would be a huge project,
so it would help us a lot.
As I already explained,
Good Food Table...
will send fresh ingredients to customers...
once a week with suggested menus and recipes.
It's a mobile-based farm.
- What? - Not bad.
But due to lack of supplies and labor,
they aren't able to satisfy the huge supply.
On the other hand,
you who farm for a living,
and the merchants at Gongju Market...
have too much inventory...
and no one to sell to, which is a huge loss.
I have no customers.
I get these from the farmers.
A few number of potential buyers consisting of local residents...
shop at supermarket chains these days.
The only way to survive is to help each other out.
What is your point?
If we make a cooperative,
will that solve all our problems?
It'll take a while for the system to settle,
but there are successful cases...
like the baby food company that uses local ingredients,
and the sweet potato cooperative that exports.
There are many cases of successful cooperatives.
It sounds all good and sweet,
but what do we old farmers know?
- Yes. - That's right.
Right.
What if we expand...
and it doesn't work out?
- Right. - That's a good point.
Whatever happens,
wouldn't it be better than just watching an industry fail?
Everyone.
My wife and I didn't know how things work around here,
and caused you a lot of trouble and I'm sorry about that.
I sincerely apologize.
- Oh, dear. - Oh... Well...
You make us feel bad if you bow like that.
If you're sorry, then it's fine.
But if we don't do anything,
couples who decided to move to the countryside and you all...
will all lose our livelihoods.
Please trust us once more...
and give us a chance.
Yes, let's. Just to help.
If it works...
Nothing will happen if you don't do anything.
But if we were to do nothing,
all of you and I...
will end up as spectators being swept and pushed around.
Will you please...
step up and take action?
Live together.
- Well done. - Congratulations.
- It looks great. - I hope it works out.
(Daehan Bank)
Hello. You made it.
I didn't believe it,
but he actually made a cooperative.
I heard that Mr. Noh...
was a master of Evaluations at the head office.
He's great.
We still don't know if the head office will clear it.
Today's the last day of evaluations.
If it's passed,
it'll be the biggest credit deal in our branch's history.
I'm not sure about our branch's history,
but it will be the biggest deal...
since our branch manager took over.
(Daehan Bank Evaluation Department)
As you see, The Good Cooperative...
gets supplies from local farmers,
takes orders through Good Food Table's website,
and distributes through local merchants.
That's how everything's connected.
We care about profitability.
The marketing margin is minimized...
and we're connected to large supermarket chains.
If the bank can support them in a speedy manner,
I believe we can make a good profit.
(Confirmation of Cooperative Application)
- What happened? - I can't wait.
- Look at the time. - It's not long now.
How much longer must we wait?
Is the evaluation being delayed?
Why hasn't he called yet?
I don't know. The deadline's almost up.
- The performance... - Well?
What's happening?
Hello.
Hello, Daehan Bank's Gongju Branch.
Okay. I got it.
The Good Cooperative.
The head office cleared the project.
- Really? - Hooray.
- We did it. - It worked.
- Well done. - It's happening.
This is great.
Well done.
My gosh.
(Business Loans)
- Congratulations. - Thank you.
(Gongju)
Gongju Branch is safe.
Not bad, Noh Dae Ho.
As you asked,
I mixed in the problematic branches with those with...
the lowest performance.
Well done.
(Announcement day of branch closing)
They haven't released the list of branches that will close.
When will they?
I don't know. It's actually quite tense.
It's up.
(List of Branches)
What?
Why is Gongju in there?
(Gongju Branch)
Our branch was included after all.
We were all prepared for this.
Ours isn't the only branch that's closing down.
This is a pity,
but after closing,
you will all be transferred to a nearby branch.
Don't worry too much.
Why would we worry?
I'm worried that you'll have to wait to be appointed to...
Sir.
You're being duped by Mr. Yook.
Look.
Most of the branches on the list...
are ones that I manage.
I'm loyal to you and he's trying to minimize my power...
to threaten you and your authority.
Don't worry too much.
A downsizing of this magnitude...
won't shake Daehan Bank.
Sir.
By the way,
I'm concerned about the staff...
who lost their jobs...
in the downsizing.
As you ordered, I had all the problem branches closed.
Do Jung Ja, President Kang's right-hand woman has been weakened.
Okay, good. Well done.
I need you to help with the press now.
Kang Sam Do has been in power...
for a little too long.
You should prepare to become president now.
Oh, well...
It's really upsetting that the branch...
I spent my 20s at is closing down.
You worked very hard.
As your branch manager, I'm truly sorry.
That's why...
I got us a deal with Gongju Daily.
You wanted to save on advertising expenses.
We lost that deal to Myungsung Bank.
Where will I end up now?
It's so discouraging.
We might as well hope that our new workplaces do better.
The branch I worked at closed down.
Will that be a disadvantage when I transfer to Seoul?
No, right, Mr. Noh?
I wouldn't know.
You're young. Why would you worry?
I'm worried about our old branch manager.
Now that our branch closed,
he's no branch manager now.
Is he just plain Noh Dae Ho?
Sir, are you the first to get drunk again?
- You should stop drinking. - Stop.
Mr. Noh. You got a huge loan from the bank...
to pay for your wife's hospital bill.
But if you get fired and become jobless,
I'd be so worried about you.
Stop it.
- I'm not drunk. - Stop drinking.
Dae Ho! What are we going to do with you? Dae Ho!
You drank way too much.
- Dae Ho! - That's enough.
I saw the list of the branches that will close.
Are you all right?
You tried to help me out,
but I guess I'm incompetent.
(Gongju Branch, Noh Dae Ho)
- Hey... - I'm okay.
Just buy me a drink sometime.
Okay.
(Daehan Bank)
Please, please, please. I want to go to Seoul.
Please don't fire me. Please.
Here I am. "Gongju Central Branch"?
Why? Why am I still in Gongju?
You're at the same branch as Bo Geol. You're so lucky.
But it's so far from my house.
Manager at Cheongju Branch?
Yes! I survived.
Check what happened to the branch manager.
I can't find him.
- He's not here. - Why isn't he here?
(New Director Appointment)
- Han Soo Ji! - Han Soo Ji!
Congratulations, Mr. Han.
Congratulations.
Wait. You're a director now.
Thank you.
It's all thanks to you.
- Congratulations. - Congratulations.
I'll book a restaurant.
- Congratulations. - Congratulations.
Is Dae Ho being placed on the waiting list?
"Gongju Branch, Noh Dae Ho". "Auditor"?
What?
If he's an auditor,
doesn't that make him an executive?
It does.
It's a very high position where he can even audit directors.
Mr. Noh, does this mean...
you'll become a high executive in Seoul?
Why?
How did our branch manager become an executive? Why?
(New Auditor Appointment)
Why did it have to be someone from Gongju Branch?
Auditor Noh Dae Ho?
Kang Sam Do.
That sly old man. What is he up to this time?
(Special thanks to Gongju residents for participating in the shoot)
(All scenes with animals were done under an expert's supervision.)
(The Banker)
How did I end up at such an important position?
The board members of the bank are busy fighting in cliques.
I need you to reform this bank.
Vice President, if you show any favoritism in this incident,
you'll become a subject of inspection.
You'll turn the vice president against you.
Noh Dae Ho, that jerk!
I won't just sit still.
He'll find a scapegoat...
to stop the incident from becoming any bigger.
But who will become the scapegoat?