Hanzawa Naoki (半沢直樹)

Tokyo Chuo Bank gave Iseshima Hotel, one of its major customers,

a loan of 20 billion yen.

Subsequently, however, it was discovered they had incurred a loss of

12 billion yen due to investment failure in stocks.

Right around that time, there was a phone call from FSA.

An FSA inspection?

If Iseshima Hotel, which incurred a loss of 12 billion yen, is determined to be

an effectively bankrupt borrower,

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.

If we should end up having to come up with 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.

However, he discovers that behind Iseshima Hotel's investment failure

was a cover-up in order to obtain a loan,

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...

- Nalusen Engineering. - You know, this Nalusen

is going bankrupt.

To verify the truth of the matter, Hanzawa

heads out to Iseshima Hotel to see President Yuasa, but

who should appear before him but

Director Hane, who had her eyes on the President's seat, and

Executive Director Owada, who had joined forces with her.

In light of what's happened to Nalusen,

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.

Actually, I've already approached FSA's Chief Inspector Kurosaki in regards to this.

If you can abandon the current family management

and explore new possibilities,

he agreed to postpone his decision

on the classification for one year.

- Are you telling me to step down... - Please wait, Executive Director.

The person who knows this hotel better than anyone else,

Managing Director Hane, 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.

Iseshima Hotel President YUASA TAKESHI

If this will allow me to remain on this job,

- getting down on my knees is nothing. - Hanzawa-san.

Right now, we'll have to do something about the situation with Nalusen.

President Yuasa, do you think Nalusen is really guilty of patent infringement?

I don't know. I've been trying to get in touch the Nalusen's president, 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.

FSA INSPECTION THIRD HEARING INVESTIGATION

Upon further review, 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

develop a new system all over, do you?

In the first place, how much has Iseshima Hotel invested in Nalusen?

Financial Services Agency Chief Inspector KUROSAKI SHUNICHI

Operations Department 2 Manager NAITO HIROSHI

Operations Department 2 ONODERA JUNJI

- Approximately 11 billion... - 11 billion 304 million, 500 thousand.

You must be precise with numbers.

If Nalusen should go bankrupt, the entire 11 billion 304 million, 500 thousand

investment will go down the drain.

How are you going to make it up, Deputy Manager Hanzawa?

It hasn't been determined yet that Nalusen will go bankrupt.

We'll need to verify if patent infringement was actually...

It's the same difference. Whether they're guilty of patent infringement or not,

if the case goes to court, Nalusen will lose social credibility and will go bankrupt for sure.

If that happens, 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.

Buying time, eh?

We're not buying time as a stopgap measure.

If a major corporation like Nalusen is going bankrupt,

it's imperative that we, as a bank, verify the facts.

Can you please spare us some time?

Fine. If you insist,

I'll wait until Nalusen's situation becomes definite.

It won't be that long anyway. Besides,

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.

Executive Director Owada, are you of the same opinion?

This time around, I'd like to honor everyone's opinion.

Gentlemen, are you in favor of replacing Hanzawa?

I don't think we have a choice.

Naito-san, I understand your concern for your subordinate.

But will that sympathy

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.

However, 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.

To me, this is obviously an undeserved punishment.

Do not misunderstand, Manager Naito.

We're informing you of our decision, not asking you for your opinion.

Now, 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?

- What do you mean by evaluate? - Anticipating the next FSA inspection,

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...

At this rate, we'll have to come up with a loan loss provision of 150 billion, and

on top of that, the Chairman will be...

Is that it?

Was it Executive Director Owada's objective

to get the bank driven into a corner by FSA?

So that he can make Chairman Nakanowatari take that responsibility,

causing his downfall.

With the way things are going, it would be difficult to pass the FSA inspection.

If Executive Director Owada comes forth at that moment as if he was a savior

and manages to brilliantly pass the inspection,

support within the bank would sway in favor of Owada's party in an instant.

At that point, he'll give Nakanowatari-san the coup de grace, and

he'll sit in the chairman's seat. Is that it?

At the same time, Iseshima Hotel will forcing President Yuasa to step down, and

Director Hane will take over as President.

Executive Director Owada and Director Hane are plotting to stand at the top, effecting

an inversion of social order.

If that's the case,

it means you, who was designated as the banker in charge by the Chairman and President Yuasa,

are the biggest obstacle to Executive Director Owada.

Actually, I heard something that's been troubling me.

Do you know Fukuyama Keijiro in Loan Department?

Yeah, I've met him 2-3 times at conferences.

Like us, he's from Sangyo Chuo and he has the backing of Executive Director Owada.

I hate to admit it, but he's sharp.

So what about this Fukuyama?

Apparently, Executive Director Owada and Director Kishikawa are meeting Fukuyama frequently these days.

More than likely, he's the candidate to replace you.

Hanzawa.

Got a minute?

A mock FSA inspection?

If you can't give satisfactory answers to their questions,

you'll be removed from Iseshima.

I'm sorry. I had no choice but to accept the Director's proposal under that circumstance.

- Not at all. Thank you for trying to protect me. - On their side,

they're bringing in as interviewers Director Kishikawa and

Deputy Manager Fukuyama from the Loan Department.

On the face of it, he's supposedly an interviewer, but

basically, it's a one-on-one battle of Hanzawa vs Fukuyama.

If I lose, the Chairman will be replaced, 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?

Yes. In the past few years after President Yuasa took over, Iseshima Hotel's earnings

Loan Department Deputy Manager FUKUYAMA KEIJIRO

have declined considerably.

It's apparent that he doesn't have managerial skills.

Director Hane, who you're recommending, is a suitable successor as the next president.

I'm counting on you.

Deputy Manager Hanzawa, the current banker in charge, has absolutely no common sense.

He goes around saying absurd things like "If you screw me, it's double payback."

- He refuses to follow our orders. - That's ridiculous.

If you screw me, it's double payback? Is this a fight between children?

If you do a thorough job, you won't get screwed.

Consequently, there's no need for paybacks.

In short, the guy who gets screwed is incompetent.

I have high hopes for you, Fukuyama-kun.

Director Kishikawa's Residence

Excuse me. Hello.

Hello!

Oh, Hana-san.

Director Kishikawa's Wife

You're here again?