"179.715)}TOKYO CHUO BANK CHAIRMAN'S OFFICE" "Hello." "Director Kunimatsu of the Financial Services Agency is on the line." "I'll take the call." "Hello." "This is Nakanowatari." "Director?" "Yes." "Yes." "FSA inspection... did you say?" "276)}TOKYO CHUO BANK OPERATIONS DEPARTMENT 2 otherwise known as the elite unit where the cream of the crop gathers." "Hanzawa was blamed for the 500-million yen loan mishap and was about to lose his future as a banker." "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." "and had come to make his presence known at the bank." "however... do you have a minute?" "It's him again." "sent word that he'd like to have dinner with you." "I'm fully aware that you dislike that kind of socializing." "But this is the third time he's asked." "I'm starting to run out of excuses." "but do it this one time as a favor to me. black embers of hatred were smoldering." "there's no other screw like this anywhere else." "we can get back on our feet again." "You're the one who said you'd continue to finance us!" "Please let go!" "213.333)}EMERGENCY BOARD OF DIRECTORS' MEETING an FSA inspection will be conducted at our bank." "129.429)}Financial Services Agency (FSA) Inspection 201.429)}is an examination conducted by inspectors from FSA" "274.571)}to ensure that the bank is conducting its business properly 340.857)}and that there are no problems with the loan customers. the bank would receive stern orders to improve business operations." "the bank would lose credibility and the infrastructure of the business itself could be shaken." "The problem is the loan loss provision. the operation of our bank itself could be shaken." "I want you to investigate thoroughly once more." "I don't know how much we can do." "Can you possibly ask them for more time?" "our normal duties will..." "Complaining about what's been decided already won't resolve anything." "This is precisely the time we need to unite and overcome this crisis." "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." "Hanzawa." "Are you listening?" "we can only work on the job we have." "You're indeed the ace of Operations Department 2." "You think differently from us commoners." "I'd better get going." "I've been called over to Iseshima Hotel." "huh?" "416.858)}Corporate Finance Dept." "Assistant Manager Tokieda Takahiro (originally from the former Tokyo Daiichi Bank) don't run out of steam going too fast." "Tokieda." "have you seen Kondo lately?" "not since we celebrated when I first got here." "He looked pretty busy." "403.714)}Kondo's New Workplace Tamiya Electric Accounting Dept." "I hear he's struggling quite a bit 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." "really?" "what are your thoughts on the current state of our bank?" "I fear for it." "The merger of 12 years ago was a joint merger outwardly. people from the former Tokyo Daiichi Bank accounts for practically all the major positions." "It was a bitter pill to swallow for all of us from the former Sangyo Chuo." "you're up there." "I'm a mere Executive Director. we won't see the light of day." "Hanzawa-kun." "Won't you aim for the top with me?" "Let's regain the prestigious days of the former Sangyo Chuo with our hands." "There's no other sake like this Tobihime." "It's sake brewed in Kanazawa." "Have you ever tried it?" "this is the only sake I drink." "aren't you?" "Really?" "That's quite a coincidence." "huh?" "My family in Kanazawa is operating a small factory called Hanzawa Screws." "Screws?" "Is that so?" "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 such a respected banker." "My father... passed away 25 years ago." "Dad!" "is that right?" "Weren't you still a child?" "I was in the 2nd year of middle school." "You must've gone through a lot of hardship. feel free to ask me anything." "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?" "But didn't we give them a loan of 20 billion just the other day?" "such as stocks." "right?" "although he's originally from Tokyo Daiichi Bank." "he's been removed from this case." "408.286)}Operations Department 2 Manager NAITO HIROSHI" "Hanzawa." "I want you to take charge." "I want you to 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." "it's more fitting for the Investigation Department to take over." "Why me?" " It's an order." " Order?" "Whose order?" "Yours?" "It's the Chairman." "Why the Chairman?" "perhaps he thinks highly of you for brilliantly recovering the loss of 500 million at Osaka Nishi Branch which was thought to be an impossible task." "There's a 2-digit difference between 500 million and 12 billion." "we need you to do it." "We're getting an FSA inspection in 2 weeks." "They'll be targeting Iseshima Hotel for sure." "Surely you're not telling me to... you'll be taking the lead in the FSA inspection." "If they should determine that there's a concern our bank will have to come up with an enormous amount of money to compensate for it." "Loan loss provision... would amount to more than 100 billion." "and the Chairman will be fired." "There's only 2 weeks left until the FSA inspection." "Come up with a plan to cover the 12 billion-yen and a restructuring plan for the hotel." "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 85.286)}Financial Services Agency (FSA)" "256.285)}Tokyo Chuo Bank 230)}Loan" "259.285)}Iseshima Hotel 320.429)}Troubled Borrower" "163.714)}Classifies as Effectively Bankrupt Borrower 321.714)}Reserve Fund" "187.143)}Notification to Set Aside Reserve Fund 393.857)}Loan Loss Provision Tokyo Chuo Bank will be notified by FSA to set aside as reserve fund an enormous amount of money in case that borrower goes bankrupt." "This is called a loan loss provision." "The entire amount of the loan loss provision 272.429)}Loan Loss Provision" "104.286)}Loan Loss Provision 92.857)}= 150 Billion Yen" "269.286)}300 Billion Yen 391.143)}Anticipated Earnings" "316.571)}Halved 211.429)}Loan Loss Provision" "338.286)}150 Billion Yen will be appropriated to expenses. causing its stock value to plummet and shaking the very foundation of its operation." "191.143)}Iseshima Hotel's Classification as an "Effectively Bankrupt Borrower 305.429)}Fall of Tokyo Chuo Bank ...that's what it means. coming up with the most effect plan to" "435.715)}Restructure Iseshima Hotel and" "381.714)}Cover the loss of 12 Billion Yen" "That was the mission assigned to Hanzawa." "The future of Tokyo Chuo Bank weighed heavily on Hanzawa Naoki's shoulders." "427.286)}Iseshima Hotel Main Office Building" "Hanzawa-san and Onodera-san." "Tokyo Chuo is constantly changing our banker." "401.857)}Iseshima Hotel Managing Director 439.143)}HANE NATSUKO" "I have a hard time remembering everyone's name. 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. and we may be unable to continue the financing." " If that happens..." " It's your job to ensure do what we can." "it's imperative that 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." "420.857)}Operations Department 2 ONODERA JUNJI" "It has nothing to do with the hotel business." "But that won't get us through the FSA inspection." "isn't it?" "We're not running a business for the convenience of the bank." "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 doesn't make any sense." "All our financial condition was disclosed in our paperwork to you." "We never tried to hide the investment." "isn't it?" "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." "we'd also like to hear what President Yuasa has to say." "Can we possibly see him?" "he's abroad on a business trip." "I've been put in sole charge of this matter." "I'd like for you to get a consensus from the bank." "Fine." "We will be working with that in mind." "Iseshima Hotel is a family business that's been ruled by the Yuasa Family for generations." "was known as quite the autocrat. the fact that they've been unable to shake the old management style is at the root of their poor performance." "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 they incurred a loss of 12 billion." " Yeah." "Director Hane is laying the groundwork that she was ordered by President Yuasa but" "I believe she actually did it on her own." "But we couldn't see through that and ended up giving them a 20-billion yen loan." "right?" "it's my fault for not detecting it!" "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." "I may have been able to stop the loan." "Didn't the handing over go well?" "They only gave me the perfunctory information. three members in a row from the former Sangyo Chuo were branch managers." "so to speak." "So when a big client like Iseshima Hotel was snatched away by I'm sure they weren't happy." "That's ridiculous." "Pulling each other's leg within the same bank." "is all about looking good and maintaining his pride. is quite a cunning devil himself." "They're much better informed than me in regards to Iseshima." "go talk to those two." "I'll do that." "I apologize." "For passing the buck to you." "That's for sure." "You'd better treat me sometime." "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." "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 that better than anyone else." "I'm glad you're the one who's taking it over." "I'll leave the rest to you." "You mean Hakusui had 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 here." "Do you have any connection to Hakusui's main Loan Department?" "huh?" "Abu." "Abu..." " You okay?" "There's Abu." "Remember?" "He played rugby." "Aburayama." "We were in the same seminar." "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." "420.857)}Tokyo Chuo Bank Kyobashi Branch I have nothing to do with that anymore." "I've passed on everything to Tokieda-san." "437)}Kyobashi Branch Deputy Manager KOZATO NORIO" "Please ask him." "I heard from Tokieda that the handing over didn't go too well." "Surely you're not saying that it was our fault that are you?" " Certainly not." "Hakusui had noticed it." "Do you have any idea how they knew?" "How am I supposed to know about other banks." "I've passed on everything I know." "Excuse me." "It's time for my next engagement." "Please give me a break." "Excuse me." "415.143)}Kyobashi Branch Manager KAISE IKUO" " Is he gone?" " Yes." "He was asking persistently about Iseshima Hotel." "Kozato." "right?" "sir." "Kondo." "428.857)}Hanzawa's Peer KONDO NAOSUKE" "Hey." " Are you here for business?" " Yeah." "To ask for this term's loan." "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 somehow." "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." "Jeez." "I came up with them from discussions with the president and sales manager." "we can't project any further." "you don't even have a written mid-term plan." "The President and I are currently in the process of writing up a plan." "I'm sure we can have it ready by our next meeting." "If you can give us a loan based on this..." "This won't work." "Do it over. we won't be able to keep going." "I'll fix whatever it is that needs to be fixed." "So can't you please give us a loan based on this?" "I beg you." "Kondo-san." "Are you sure you're a former banker?" "You're a disgrace." "601 601 601... 40 40 140 140 140... 075 075 125 125... 1214 1001" "1214 1001 1214..." "Kondo-san! have you had a chance to think about the mid-term business plan?" "Business plan? we had no problem getting a loan until now." "423.143)}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? Don't worry." "It's already composed." "The composition is... in here. a company of our size should have no problem. please try to use your head a little." "Like asking your acquaintance at the bank to pull some strings." "isn't there?" "You're here precisely for that reason." "Use whatever connections you have and search high and low." "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'll have to find the money on our own." "Be prepared to stay out there until you have a loan in your hand." "You got that?" "he's the department manager." "It must be nice to be an ex-banker." "Ogawa." "It's rude to talk like that to Mr. Ex-Banker." "418.571)}Tamiya Electric Accounting Section Chief NODA HIDEYUKI Mr. Ex-Banker." "I find it hard to believe that the paperwork Kondo prepared was inadequate." "I can only think that this Kozato guy doesn't have discerning eyes." "this isn't the time to be worrying about others." "Concentrate on Iseshima Hotel." "How's the restructuring plan coming along?" "What's there to come along when President Yuasa's gone overseas and I can't even talk to him." "All Director Hane does is persist that the bank is at fault too." "She won't even try to listen to us." "Are you sure you're gonna be okay?" "Hanzawa." "Tomari." "398)}Hakusui Bank Loan Department Deputy Manager ABURAYAMA TETSUYA" "Abu." "how you been?" " Good." "Looks like you gained some weight." "quite a bit." "I still go to Ramen Jiro's once a week." " Big Double Yasai Karakara me*?" " I'm too old now." "I have to settle for a small double." "spicy x 2 what's up?" "it's about..." " Iseshima Hotel." "You got it." "Deputy Manager Hanzawa's wife is joining us for the first time today." "396.286)}Director Kishikawa's Residence I hope we can keep our acquaintance for a long time." "Of course." "I'm honored to be included in your group. 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." "not at all." "He isn't all that great..." "There's no need for you to be so modest." "hasn't he? 418.714)}Company Housing in Tokyo you're going to have to take responsibility again and might get transferred out somewhere?" " 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?" "a long time ago." "Really? 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 and give them a loan after a re-evaluation." "I see." " Well then..." " One moment please." "we received a call from Director Hane at Iseshima Hotel." "From Hane-san? and they also incurred a loss of 12 billion from investment failure. causing a major crisis. 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." "But wait a minute." "If we were to force them to repay the 20 billion we're certainly putting the cart before the horse. we ask for your careful judgment." "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? that decision is wrong. we should not depart from the bank's principles." "We should not be lending money that can't be recovered. this decision was approved by the Chairman as well." "Why is Iseshima Hotel refusing so obstinately to return the 20 billion? it would be more of a blow to have their future funding stopped." "but they're not cooperating with our plans to deal with the FSA inspection." "Something's not right." "everything's going according to our plan." "But that banker by the name of Hanzawa seems to be sniffing around about this and that." "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 the president of Iseshima." "Togoshi-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 you." "I have nothing to say to the likes of you." "I heard about you from Hakusui Bank's Aburayama. tried to cover that up." "didn't you?" "Hakusui was able to hold back on the loan." "So what if I did? why did you tell Hakusui and not us? wouldn't you consider telling the main bank first?" "aren't you?" "You don't know anything." "Don't tell me...did you inform our bank as well?" "But it was hushed up." "you guys at Tokyo Chuo snitched on me to Iseshima instead." "and was picked up by this company." "I'm like a waste material myself." "Who at our bank did you talk to?" "who else!" "get out of my sight." "I might end up beating you up." "I apologize on behalf of the bank." "I'm terribly sorry." "Cut it out." "What difference does it make now! That he's grateful to you." "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!" "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?" "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 take everything he says seriously." " Kozato-san." "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." "I can contact upper management at Headquarters you know." "I dare you to do it if you can." "I'll show no mercy." "It's double payback." "Remember that." "This guy is hiding something." "Why did he hush up the tipoff? Kozato?" "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?" "we won't be able to get through the FSA inspection." "President Yuasa." "I just returned to Japan a short while ago." "I was told you were here." " Pleased to meet you." "I'm Tokyo Chuo Bank's..." " Hanzawa Naoki." "I'm the one who asked Chairman Nakanowatari to assign you as our banker." "401.714)}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?" "! 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. and even attended our management meetings and made every effort to revive the hotel." "but" "I never met a person like you before or since." "What made you go that far?" "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. 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." "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 Narusen to develop the latest IT system." "that IT venture?" "overseas customers will be able make reservations directly through our new system." "I'm planning to invite experts from the outside and hold meetings to discuss innovation." "are you getting rid of the bad tradition that had been tying down your business?" "the autocratic manager." "Can I take it to mean that? I'm sure you will be able to revive your company." "Thank you." "the FSA inspection." "your hotel and the bank will both go bankrupt." "Hanzawa-san." "For both the 12 billion investment failure and I apologize deeply." "Didn't Director Hane do everything on her own? it's my fault for allowing her to do it." "All right." "if you can finalize the restructuring plan and and look for ways to cover the 12 billion as soon as possible." " Got it." " And..." "I have one more favor to ask." "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? 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." "I ain't giving you a loan even if it kills me." "426000 426000... 336000 336000..." "2121 210... 1214 1001" "1214 1001 1214 1001... 12..." "Are you sure you're a former banker?" "You're a disgrace." "what was the point in getting you from the bank." "It's rude to talk like that to Mr. Ex-Banker." "Kondo." "Hanzawa..." "I..." "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." "Togoshi-san?" "You're late." "I don't appreciate getting called out suddenly like this." "I'm busy too what with the FSA inspection coming up." "give me a draft." "Give me one more." "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." "it's over." "You're to blame for everything." "It's because you did something outrageous like blowing the whistle." "didn't you?" "I told you that's a misunderstanding." "I told my boss like I was supposed to." "but someone above me." " Who was it?" " That's none of your business." "I'm leaving." "you need to stay and talk." "Although it's not with me." "huh?" "but loudly babbling insider information without a care." "That's for sure." "but you didn't report it." "huh?" "Kozato-kun." "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. you knew that Iseshima was going to have a huge deficit." "and proceeded with the loan." "Why did you do that?" "I'll show no mercy." "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 that you reported the tip-off to the branch manager." "did you?" "There should be a written report." "but it's among the files to be moved temporarily." "Where are those files right now?" "In the vault at Kyobashi Branch. the Branch Manager's supposed to take them to his residence." " His residence would be tricky." " When's he transporting them?" "at 10:00." "By car." "423.286)}9:15 PM" "We're gonna go 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." "You know that don't you?" "You gotta try first before you say it's impossible." "let's go." "right?" "Why would I do that?" "that's all." "I'll broadcast your earlier conversation throughout the bank." "you're fired without a severance pay." "421.143)}Kyobashi Branch Employees Only Passageway an 8-digit pass code must be entered first." "but and" "426.143)}Key Box yet another pass code is required." "These pass codes are and even the branch manager does not have access to them." "the Branch Manager and Section Chief in Charge will be here." "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?" "43?" " All right." "Then..." "What are you going to do?" "what the heck are you doing?" "Found it." "The pass code has 8 digits." "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." "I came here numerous times and was terrorized by you every time." "I memorized these numbers." "All right!" "There they are!" "Those two boxes." "They're here." "Give it up!" "we'd better stop here..." " We're dead." "They're almost here." " Close the door." " What?" " Just close the door for now." "Manager." "Kozato?" "I thought I'd help you bring the files out." " Really?" "Thanks." " Not at all." "if you can get to work at once." "What're you doing?" "Give him a hand." "Bring them out." "what're you doing?" "Hurry up!" "do something." "we're stuck here till tomorrow morning." "Why the hell are you standing still." "Move it!" "I'm terribly sorry." "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." "there's a way." "347.714)}LOSS OF 12 BILLION YEN DUE TO INVESTMENT FAILURE AT ISESHIMA HOTEL 158)}This matter to be discussed at a later date" "132.857)}Banker in Charge 406.571)}(Kozato)" "131.857)}Branch Manager 199.143)}(Kaise)" "Manager Kaise will have a lot of explaining to do later on." "Kondo." "we wouldn't have been able to open the vault." "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." "uh...the required information is... 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?" "you're amazing." "You haven't changed a bit." "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." "but you're still you." "Right?" "thank you. we're starting to see what's going on." "You don't have to thank me for anything." "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." "didn't you?" "To President Yuasa." "I have one more favor to ask... who once worked for you." "President Yuasa called me personally and apologized." "He said you told him what had happened." "I just told him the truth." "my distrust for Tokyo Chuo Bank won't go away." "But 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." "I will do my utmost best." "That report you got." "Whose signature was on it?" "Branch Manager Kaise's." "all the effort you put into it 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." "it's someone further 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." "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." "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." "Chief?" "That's right." "I'd like to write up a detailed plan for the future." "Can you get me the financial statements through the last term?" "Kondo-san." "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." "let's get back to work." "Think back of our college days." "Kondo!" "there's a way." "Guys like you aren't qualified to make credit decisions." "Approve it tomorrow!" "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." "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 me?" "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." "I can't very well disregard rumors of misconduct." "if you don't mind." "Hanzawa." "Tell us everything you know." "All right." "there was an individual who tipped off the bank that" "Iseshima Hotel incurred a loss of 12 billion." "Branch Manager Kaise and Deputy Manager Kozato at Kyobashi Branch suppressed that tipoff and they worked around it so that Iseshima's 20-billion loan would be 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. there's a possibility someone else gave orders to Manager Kaise." "I believe it best to refrain from disclosing it too easily." "I see." "if it's someone who can give orders to Manager Kaise... the previous branch manager at Kyobashi Branch." "Manager Kishikawa." "Was it you?" "!" "it's not you. me." "it was Ito-san who went to Teikoku Jukou. 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. we're going to be turned into suspects." "That's our Hanzawa-kun." "Even his jokes are top-notch." "I didn't intend for it to be a joke." "I think it's only natural that I suspect you two." "Kyobashi Branch is the root of corruption at Iseshima." " That's what I'm suspecting." " That's my point. there were absolutely no problems." "This problem arose as soon as the responsibility was transferred to Corporate Finance. 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." "you didn't you?" "Personnel management is everything at a bank..." "That must be how you've been people who become unnecessary." "Please tell me one thing." "What kind of a bank is it that Executive Director Owada is aiming for?" "out of the blue." " That's all right." "of course the best mega-bank in the world that supports this country's economy." "Our mega-bank cannot collapse. do you know how many millions of people will be out in the cold? some sacrifice is inevitable." "I'm being realistic here." " Don't you think so?" "Hanzawa-kun." " No." "That's not what I think." "Executive Director." "We're here to lend money and make money off interest." "That's all." "Isn't that precisely why and bear responsibility for those people's future?" "rivalry between factions." "That's all fine and dandy." "But there's one thing we must not forget. but to protect the working people of this country." "but banks have to exist for the citizens." "We must not forget that belief." "We are not working for our superiors or the organization. we don't have the right to trample on their livelihood." "I understand. we're both basically saying the same thing." "It's just a matter of difference in perspective." "don't you?" "Let's get back to the subject." "What were we talking about?" "Somebody suppressed the tipoff regarding Iseshima Hotel." "I don't know yet." "But it's a fact that" "Iseshima Hotel sustained a big damage because of this issue." "I... will do everything I can to protect Iseshima Hotel." "I'll revive Iseshima." "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." "I've had many folks cling on to my legs." "But it didn't make sense to me. they were incompetent people." "You probably wouldn't understand." "The people who get down on their knees... their frustration..." "Executive Director Owada." "I will get down on my knees and apologize. please get down your on knees and apologize." "Hanzawa!" "I'm talking to the Executive Director." "I'd appreciate it if you didn't break into our conversation." "Fine." "that is." "Go ahead and give it a try." "214)}FSA INSPECTION DAY 1" "Inspection Bureau." "I'm Chief Inspector Kurosaki." "We will now conduct the FSA inspection." "Nice to meet you." "Long time no see."