"a loan of 20 billion yen." "it was discovered they had incurred a loss of 12 billion yen due to investment failure in stocks." "there was a phone call from FSA." "An FSA inspection?" "is determined to be the bank will have to come up with an enormous loan loss provision in excess of 150 billion yen." "The problem is the loan loss provision. the operation of our bank itself could be shaken." "Hanzawa was ordered by the Chairman to save the bank from that crisis." "Hanzawa had but one mission." "To prevent Iseshima Hotel from being classified by FSA as an effectively bankrupt borrower." "he discovers that behind Iseshima Hotel's investment failure and that a handful of people from the bank conspired with the hotel in executing a fraudulent loan." "Hanzawa gets on the move to save the bank and the hotel." "But in the midst of the FSA inspection..." "The company that Iseshima Hotel employed to develop that IT system... this Nalusen" "is going bankrupt." "Hanzawa but who should appear before him but and who had joined forces with her. we won't be able to get through the FSA inspection." "Do you have any breakthrough solution?" "I do." "We'd like you to change the managerial structure." "I've already approached FSA's Chief Inspector Kurosaki in regards to this." "If you can abandon the current family management he agreed to postpone his decision on the classification for one year." "Executive Director. will take over as your successor." "Come on." "Show me your resolve." "Please give me a little more time." "I beg you." "We'll talk again..." "Let's go." "419)}Iseshima Hotel President YUASA TAKESHI - getting down on my knees is nothing." " Hanzawa-san." "we'll have to do something about the situation with Nalusen." "do you think Nalusen is really guilty of patent infringement?" "but" " haven't had any luck." " That's not good." "Director Hane may have anticipated this from the very beginning." "She was the one who recommended Nalusen." "I should have known better." "Hanzawa-san." "Your faith in me touched my heart." "Thank you." "I merely said the right thing as a banker." " Hanzawa-san." " President Yuasa." "This is where the real fight begins." "182.2)}FSA INSPECTION THIRD HEARING INVESTIGATION this restructuring plan was very well written." "But it's a pity Nalusen bit the dust." "What are you planning to do?" "You don't have time to do you?" "how much has Iseshima Hotel invested in Nalusen?" "404)}Financial Services Agency Chief Inspector KUROSAKI SHUNICHI 398)}Operations Department 2 Manager NAITO HIROSHI" "396)}Operations Department 2 ONODERA JUNJI 500 thousand." "You must be precise with numbers." "500 thousand investment will go down the drain." "Deputy Manager Hanzawa?" "It hasn't been determined yet that Nalusen will go bankrupt." "We'll need to verify if patent infringement was actually... Nalusen will lose social credibility and will go bankrupt for sure." "reviving Iseshima Hotel will be impossible." "Classification determined." "Am I wrong?" "I cannot draw a conclusion until I see Nalusen go bankrupt with my own eyes." "eh?" "We're not buying time as a stopgap measure. verify the facts." "Can you please spare us some time? I'll wait until Nalusen's situation becomes definite. who knows if you'll still be around by then." "Replace him?" "Are you saying that you're removing Hanzawa from Iseshima?" "That's to be expected." "Do you seriously think we can entrust the FSA inspection to him and hope to get through it?" "Hanzawa was ordered to be the banker in charge by the Chairman." " What is the Chairman saying?" " Nothing." "Don't you think even the Chairman's given up on him?" "It probably means he fell short of his expectations." "are you of the same opinion?" "I'd like to honor everyone's opinion." "are you in favor of replacing Hanzawa?" "I don't think we have a choice." "I understand your concern for your subordinate." "But will that sympathy 401)}Director KISHIKAWA SHINGO enable you to take responsibility for the 150 billion loan loss provision?" "This is all for the bank's sake." "Please understand." "I understand Hanzawa has President Yuasa's trust." " It goes against logic to remove him." " Logic?" "!" "Isn't it logical to ask our employees to comply with personnel orders?" "Let me say this at the risk of sounding rude." "this is obviously an undeserved punishment." "Manager Naito." "not asking you for your opinion." "now." "I understand very well the concern both of you have for the bank and your subordinate." "Why don't we do this?" "Why don't we evaluate whether Deputy Manager Hanzawa is qualified to handle Iseshima Hotel or not? we're going to simulate the inspection." "Why don't we decide on his disciplinary action based on that outcome?" "So it was Executive Director Owada after all who was connected to Director Hane." "But it's not quite clear to me." "Why is he going that far to back up Director Hane?" " I have no idea why he's doing this." " I can think of one reason." "But that's why our bank's getting scrutinized by FSA... and the Chairman will be..." "Is that it?" "Was it Executive Director Owada's objective to get the bank driven into a corner by FSA? causing his downfall." "it would be difficult to pass the FSA inspection." "If Executive Director Owada comes forth at that moment as if he was a savior support within the bank would sway in favor of Owada's party in an instant." "and he'll sit in the chairman's seat." "Is that it?" "and" "Director Hane will take over as President." "effecting an inversion of social order. are the biggest obstacle to Executive Director Owada." "I heard something that's been troubling me." "Do you know Fukuyama Keijiro in Loan Department?" "I've met him 2-3 times at conferences." "he's from Sangyo Chuo and he has the backing of Executive Director Owada." "but he's sharp." "So what about this Fukuyama?" "Executive Director Owada and Director Kishikawa are meeting Fukuyama frequently these days." "he's the candidate to replace you." "Hanzawa." "Got a minute?" "A mock FSA inspection? you'll be removed from Iseshima." "I'm sorry." "I had no choice but to accept the Director's proposal under that circumstance. they're bringing in as interviewers Director Kishikawa and" "Deputy Manager Fukuyama from the Loan Department." "but it's a one-on-one battle of Hanzawa vs Fukuyama." "and Iseshima too..." "President Hane will be born." "And... both you and I will... get a one-way ticket to no man's land." "We'll get transferred out." "You'll officially be put in charge of Iseshima Hotel in the near future." " Are you prepared?" " Please rest assured." "I've apprehended most of the numbers that pertain to Iseshima." "Do the numbers support the removal of President Yuasa?" "Iseshima Hotel's earnings 397)}Loan Department Deputy Manager FUKUYAMA KEIJIRO have declined considerably." "It's apparent that he doesn't have managerial skills." "is a suitable successor as the next president." "I'm counting on you." "has absolutely no common sense." "it's double payback." " He refuses to follow our orders." " That's ridiculous." "it's double payback?" "Is this a fight between children?" "you won't get screwed." "there's no need for paybacks." "the guy who gets screwed is incompetent." "Fukuyama-kun." "427)}Director Kishikawa's Residence" "Excuse me." "Hello." "Hello!" "Hana-san." "425)}Director Kishikawa's Wife" "You're here again?" "I made ohagi* that I promised the other day." "Please help yourself if you like." "48)}*Rice cake covered with red bean jam" "They look delicious." "But what a pity~" "We were just now treating ourselves to the fruit tart that Mrs. Fukuyama made for us." "409)}Deputy Manager Fukuyama's Wife" "Fukuyama-san is an outstanding cook." "Her husband is a very capable man too." "We hear he's slated to to be in charge of Iseshima Hotel for the FSA inspection." " In place of your husband." " Is that right?" "Please make yourself at home." "Although you don't have any place to sit." "Please don't mind me." "they really piss me off." "What's with the fruit tart?" "right?" " This is delicious." " Are you listening to me?" "you don't have to go if you don't want to." "I'm only going because I want to help improve your position at work." "But I heard you're getting replaced for the FSA inspection." "What's going on... haven't you?" "right?" "You should just let Fukuyama-san's husband handle it." "You know I can't do that." " We might still have time to take a summer vacation trip." " Hana." "I'm just kidding." "But can't you take at least one day off?" "You haven't had a day off in nearly 3 months." "you're going to collapse." " Thanks for dinner. should I ask Mrs. Kishikawa if she can do something about it?" "Don't worry about it." "She's also close to Executive Director Owada's wife..." "I said don't worry about it." "Sorry." "It's been bothering me for some time. you get this real scary look on your face." "Does it have anything to do with your father?" "That has nothing to do with it." "Then why are you carrying around that screw all the time?" " There's something you still can't tell me." " I told you it's nothing like that." "Do me a favor and let me relax when I'm at home at least." " I'm just worried for you." " There's nothing for you to worry about." "I'll go take a bath." "Good morning." "Noda-san." "Did you open this ledger when I wasn't around?" "No." "Why do you ask?" "A document I slipped in there was on the floor." "don't you?" "You've worked here long enough." "You can easily get a spare key made." "isn't it?" "did you replace a page?" "I don't know what you're talking about." "Noda-san." " I'm having pescatora." " I think I'll have meat sauce." "Go ahead first." "I'll be right behind." "Kondo." "I heard you were able to keep the loan going for Tamiya Electric." "thanks." "What?" "Did something happen?" "A page of the ledger got replaced?" " That's what I think." " Why do you think so?" "but there were apparent signs that someone's been tampering with it." "there was one page number missing." "do they?" "Are they still hiding something?" "I wonder if there's any way I can find out what company was on the page that was replaced." "huh?" " Is there any other way to..." " There is." "There's a copy of the page that was replaced." " The tax accountant." " I'd forgotten about." "Tomari." "Hanzawa." "Deputy Manager Fukuyama." "Deputy Manager Fukuyama." "if it isn't Deputy Manager Hanzawa." "It appears we're ending up having to go through this odd thing called a mock FSA investigation." " Please go easy on me." " That goes for me too." "Deputy Manager Hanzawa Naoki." "Joined the bank in 1992." "Worked at Osaka Nishi Branch from 2011 as Loan Section Chief." "Increased annual profit by 4 percent." "didn't you? amounting to a profit of 4.5 billion so far." "you tend to take too much time before you get results with the way you do business. 21 months on the average." "I don't mean to disprove your method of taking your time with each and every client." "I'd be able to increase profit more efficiently in a shorter time." "Which of us does Iseshima Hotel need right now?" "Excuse me." "I have another engagement to attend to." "Guys like that are rationalism personified." "He's number one when it comes to gathering data and analyzing them." "Master of Research." "Does it look like you can win?" "do you have a minute?" " What is it?" " Lafite." "don't you?" "I don't know of any company by that name." "I never said it was a company." "How did you...!" "our tax accountant." "Did Kanda Sensei..." "show you this?" "but he showed it to me right away." "isn't it?" "Why did you swap it?" "I don't know." " What kind of a company is Lafite?" "Why are we lending them 30 million yen?" "Who knows." "What are you planning to do? how did we scrape up 30 million to lend to another company?" "You'd better not pry any further into this matter if you know what's good for you." "What do you mean?" "Is it subleased loan?" "Did we redirect the 30 million we borrowed from Tokyo Chuo to Lafite?" "Answer me." "55)}I don't know." "442)}Subleased Loan Redirecting borrowed money to a third party without permission 60)}Subleasing a loan clearly goes against the rule." "95)}What kind of a company is Lafite that we went to that extreme to lend them money?" "55)}I know nothing." "67)}Go ask the President." "President Tamiya is aware of it." "384)}Tamiya Electric Company Housing which was noticeably older and smaller than Tokyo Chuo Bank's company housing." "Hello." "I'm sorry to bother you when you're busy." "I'm calling in regards to that 30 million." "The banker who's on loan to us is starting to make noises." "I think we'd better deal with him as soon as possible." " Cram school?" " That's right." "and Yosuke wants to go too." "It's a supplementary prep school." "What do you think?" " What do you mean?" " It costs quite a bit." "let him go." " Can we manage?" " I'll figure out something." "I'm finally getting settled in at the company too." "I'm glad." "I'll let Yosuke know tomorrow." "I'm sure he'll be thrilled." "Takahiro and I are going to visit your mother in Kanazawa." "Hana" "Don't worry." "We'll be back in 2-3 days." "but why Mom's all of a sudden?" "plus" "I felt bad for not taking him anywhere during summer vacation." "Naoki." "You shouldn't make Hana-san unhappy" " thinking about work all the time." " But I'm not." "I'm having Hana-san take it easy for a while over here." " Bye now." " Hello...hello?" "What the heck was that?" " I see." "So that's what's going on with Nalusen." " I sure had a tough time." "no one wanted to talk about them." " Does FSA know about this?" " Probably not." "This type of information can't be obtained by regular means." "I see." "I appreciate you going through the trouble." "Thank you. can you give it to me in the form of information as you did with Nishi Osaka Steel?" "Certainly." "Please wait a little longer." "I think I can give you a big scoop." "I'll be looking forward to it." "The biggest major hotel chain in America." "One of the top hotels in Japan with social status." "Hanzawa-kun." "although I don't have any proof yet. was diverted directly to Lafite." " What's does this Lafite do?" "Tomari gathered data from their credit record for me." "Here it is." "huh?" "is President Tamiya's mistress?" "Mistress?" "You've got to be kidding!" "as much as I don't hate to." "I can understand falling to the temptation in order to save the company..." "But redirecting a loan to his mistress's company is inexcusable." "There's a limit as to how far he can go appropriating company funds for his personal use!" "I'll fight to the bitter end!" "Sorry..." "Shinnosuke." "but please hang in there and don't let corruption get the better of you." "Thanks." "isn't he?" "what are you gonna do now?" "I'll go pay a visit to this Lafite." "come talk to us right away." "I'm sorry." "You're going through a tough time too right now." "Hanzawa." "I hope you've thought of a way to get through tomorrow's mock FSA inspection." " Any chance Nalusen and Foster may settle out of court?" " That's not gonna happen." "Not gonna happen?" "I went through a source in Osaka and thoroughly checked out Nalusen." "They have connections to antisocial forces in the background." "huh?" "but we've got to cut ties with them before it blows up in our face." "huh?" "But this isn't a matter of money." "There's no other way but to reexamine the restructuring plan from the very beginning." "Can you come up with a plan by tomorrow's mock inspection?" "Hanzawa-kun." "Can I tell you my idea?" "You'll be surprised." "I have an idea too." "It's probably the same as yours." " I trust there won't be any problems tomorrow." " I'm thoroughly prepared." "Executive Director Owada will be very pleased." "it means failure is not an option." "don't you?" "Of course." "Do you still have some business with the President?" "Executive Director Owada told me we won't be seeing you soon." " That isn't for sure yet." " You shouldn't exert yourself too much." "Why don't you just leave the rest to the new banker in charge?" " New banker in charge?" " Yes." "President Yuasa will be stepping down soon too." "hasn't been decided yet." "A man who doesn't know when to quit is just pathetic." "Deputy Manager Hanzawa." "Subleasing a loan?" "Of course there's no way" " we're subleasing our loan." " You're saying you're didn't?" "It's just that the time frame we got the loan from the bank and the time frame we loaned money to Lafite happened to coincide." "Noda-kun?" " You're absolutely right." "Then for what purpose did you lend that 30 million?" "That's a matter I took on myself as the president." "You have no say in this matter." "there's something" " I need to tell you as well." " What is it?" "you'll be loaned out to another company." "I got a call from the bank earlier." "You can consider this an unofficial notice." "Did you push for that to happen?" "You don't think I have the clout to have any say in do you?" "but" "I wish you the best of luck in your new environment. you may be going somewhere slightly farther away. right?" "I think I finally understand just a little bit of the true meaning of what" "Naoki-san was talking about in the past." "A tiny screw like this is supporting Japan. and export them back." "It's the same thing with automobiles." "A country like Japan with no natural resources came to be known as a great economic power thanks to the skill and technique of our craftsmen." "Packed in this one screw is the skill and passion of craftsmen." "That's right." "Naoki and the bank are putting up money for their skill and passion." "but" "I'm glad I came." "or I didn't know anything." "209)}Mock FSA Inspection" "We will now begin the preliminary question and answer session in preparation for the FSA inspection." "but this is a rehearsal for the FSA inspection. we're going to have Deputy Manager Fukuyama take over as the banker in charge of Iseshima Hotel." "You may begin." "Executive Director Owada." "Thank you for taking the time to come." "Of course I should be here." "It wouldn't be an exaggeration to say that this is a very important mock trial that may impact the future of our bank." "I'll make sure I watch carefully." "They got us this time." "He showed up at the last minute on purpose and turned the table on us." " They have the home field advantage now." " Calm down." "This was all set up from the beginning anyway." "We'll just have to do what we can..." "What are you whispering about?" "Please begin." "Let me start with our assessment of Iseshima Hotel's data which we gathered for the upcoming hearing investigation." "First... and we believe it is more than sufficient to recover the trust of our bank..." " May I ask what's so funny?" " You're talking about consecutive terms of deficit." "Aren't you being too optimistic with your forecast?" "Do you mind telling us specifically what's optimistic about it?" "Can't you tell without being told?" "You don't have any alternative solution to the fact that Nalusen's system can no longer be used. how do you propose to make up the 11.3 billion that's been invested so far?" "We are in the process of exploring a solution to that problem." "eh?" "Do tell us." " What kind of a solution do you have in mind?" " We can't tell you as of yet." " How come?" " Because it's a secret." "Hanzawa-kun." " That was not intended to be a joke." "Deputy Manager Hanza... we are not at a stage where it can be divulged." "We've had enough of your childish tricks." "Do you think you can fool FSA with such nonsense?" "There's nothing we can do if you insist on making blind assumptions." "isn't a drastic change necessary in order to revive Iseshima Hotel?" " Which means?" " Quality of management depends on the manager. things won't change no matter how many times the hotel is restructured." "it's people that make or break a business." "Do you understand?" "I wouldn't hesitate to do so." "there's no future for Iseshima Hotel. you must be extremely knowledgeable about Iseshima Hotel. repeat customer rate is a measly 0.2%" "Vacancy rate is more than 20% on weekends and major holidays." "it's an indisputable fact that sales for the hotel in general have dropped 27.3 percent." "What is the problem in replacing the manager in order to improve that situation?" "Then who are you proposing to replace President Yuasa with after you dismiss him?" " Director Hane is the suitable person." " On what basis? and has been supporting Iseshima Hotel for more than 25 years." "at the top and cutting down costs..." "I hope you're not saying that cutting down costs will lead to increased profit." "That's nothing but delusion of a banker who doesn't know what it's like in the field." "Cutting down costs at Iseshima is already in full swing." "check." "Further cuts would only serve to lower the employees' morale." "make that tablet theory." "The course of action President Yuasa is trying to take is not mistaken." "He definitely is not an incompetent manager." "he's an extremely capable man." "The problem lies with the people around him." "And at the top of that list is Director Hane." "Do you think FSA will believe a story like that?" "He's had the hotel bleeding red all this time." "they'll fall behind in IT development as well." "Do you think that Kurosaki will recognize a leader like him?" "He'll have to recognize him." "but let me tell you again." "it's imperative that we come up with a drastic measure." "Placing Director Hane at the top is the centerpiece of that drastic measure." "Hanzawa-kun?" "let alone get us through the FSA inspection." "Deputy Manager Fukuyama will be in charge of Iseshima..." "Let me ask you one last question." "Deputy Manager Fukuyama." "Have you ever met Director Hane?" "What's the matter?" "who you recommended as the most suitable person to be the next president." "haven't you?" "Have you or haven't you met her." "Answer me!" "I haven't had the pleasure of meeting her." "You've never met her?" "Are you recommending someone you never met to be the president?" "How can you tell that she's suitable if you've never met her?" "That's because..." "I heard about Hane-san's philosophy and her character from" "Director Kishikawa." "I have no doubt they're accurate. is there a problem if I recommend Director Hane for president? you're the real big idiot!" "didn't you?" "That people make or break a business." "Placing Director Hane at the top based solely on preconceptions obtained through blind faith isn't it?" "The very person who caused Iseshima Hotel to incur a loss of 12 billion is you know." "he didn't." "That's only what she's going around saying." "but that loss was caused by something Director Hane did on her own." "Although perhaps it won't be surprising if upper management at the bank was aware of it." "Didn't you tell him?" "D-did you know about this?" "Of course not." "That's just Deputy Manager Hanzawa talking nonsense." "You would've known if I'm talking nonsense or not if you'd taken the trouble to get yourself to Iseshima Hotel even once and sat down and talked with President Yuasa. you never even met President Yuasa." "A restructuring plan made by someone like that has no power of persuasion." "Because it's completely void of human touch." "All you're looking at is just numbers and data." "You don't even try to look at the real live people before your eyes." "I can't entrust Iseshima Hotel to someone like that." "let's hear it." "Look at me!" "Fukuyama." "Listen up." "Make sure you add what I'm about to say to that data that you love so much." "There's someone in this bank who covered up the loss Director Hane incurred and processed the illegal loan of 20 billion yen." "do you have proof to back that up?" " Of course I do." "that tipoff was" " suppressed by the Kyobashi Branch." " Stop talking nonsense!" "and also I plan to reveal the answers without fail at some time in the future." "Please look forward to it." "Executive Director Owada." "Sure." "I'm looking forward to it." "Let me make one thing clear." "we are the ones who sincerely want to revive Iseshima Hotel and making every effort to get through the FSA inspection" "There's no one in this bank but us who's more qualified to be in charge of Iseshima Hotel no holds barred." "it's double payback." "Please remember that." "I'm working at home today." "route it to me there." "somehow." "Did you know that Fukuyama never met Director Hane?" "Director Hane's a first-class hotel person." "I had heard from President Yuasa that she never forgets the face and name of someone she's met once." "But yesterday..." "Why don't you just leave the rest to the new banker in charge?" "I was convinced they never met by the way she talked." "I see." "It's because you've always faced with people on a regular basis that you were able to notice that." "I don't know about that Naoki." "How can he work for the bank that might as well have killed his own father." "the guy who was in charge at that time is a big shot now and he's at the same headquarters." "To think that his father's enemy is right by him." "Who is it?" "This enemy you're talking about?" "This guy called Owada." "right? I just tracked down the residence of" "Lafite's woman president." "her name's Tanahashi." "on the nameplate..." "Owada?" "!" "Why's that name popping up?" "Owada's involved in" "Tamiya Electric's illegal practice too."