Hanzawa Naoki (半沢直樹)

FSA Inspection

Final Hearing Investigation

Day of

Hanzawa and his team were

on their way to the site of the final hearing investigation

of the FSA inspection, or what can be called the final showdown,

that was to determine the fate of Tokyo Chuo Bank and Iseshima Hotel.

Up to this point, Hanzawa had found out that behind the 12 billion loss

Iseshima Hotel incurred and the fraudulent loan,

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

Executive Director Owada, who was eying the Chairman's seat, had joined forces.

Due to Owada's scheming,

Hanzawa was almost removed from Iseshima Hotel as their banker in charge.

However, he somehow managed to overcome the mock inspection and escaped being removed.

There's no one in this bank but us who's more qualified to be in charge of Iseshima Hotel.

If you insist on continuing to stand in our way, I'm ready to fight, no holds barred.

If I get screwed, I'll screw you back.

It's double payback!

Faced with the impending final showdown at

the FSA inspection's final hearing,

Hanzawa believed that there was only one way to save

Tokyo Chuo Bank and Iseshima Hotel.

What, then, was that secret plan...

We will now begin the final hearing investigation in regards to

the credit judgment of Iseshima Hotel.

42 Hours Ago

What's up, Kondo?

I just tracked down the residence of

Lafite's woman president.

- As I recall, her name's Tanahashi... - The thing is, on the nameplate...

Owada?!

Owada's involved in

Tamiya Electric's illegal practice too.

I could hardly believe it myself.

Who'd have thought Executive Director Owada was involved in our company's problems.

In other words...

the 30 million that Kyobashi Branch loaned to Tamiya Electric 5 years

was diverted immediately thereafter to an apparel company called Lafite.

The president of that company, Tanahashi Takako,

happens to be Executive Director Owada's wife.

Was it an indirect loan?

An indirect loan is

a fraudulent act of making a loan through its normal customer

to a third party, who would not normally qualify for a bank loan.

Moreover, the Kyobashi Branch Manager who approved the loan at the time was Director Kishikawa.

It stands to reason that Owada gave him the orders to do it.

So that means he used Tamiya Electric to divert funds to

- his wife's deficit-ridden company. - If that's true,

this could prove to be a crucial piece of information to bring Owada down.

Evidence. We need conclusive evidence, Hanzawa.

I know. There's no way Executive Director Owada would carelessly leave behind any evidence, right?

Besides, the first thing you guys need to do right now is get through the FSA inspection.

If you make unnecessary noises now, you're liable to get tripped up.

Kondo. Do you think you can get President Tamiya to testify?

Tamiya Electric was asked by Owada, and

was saddled with a meaningless debt of 30 million yen.

I'm sure President Tamiya isn't too pleased about it.

We can use his testimony as evidence to bring Owada down.

I'll give it a try. In any case, I was planning to

persist until President Tamiya gave me a clear answer anyway.

I'm counting on you.

But first, we've got to get through the FSA inspection, Hanzawa.

In order for us to revive Iseshima Hotel and get through the FSA inspection,

that one method is the only one that's left for us.

Mind you, this is a huge project

that should be undertaken by a department like Corporate Finance under normal circumstances.

But that's not possible right now.

If Owada gets wind of this, he'll crush it for sure.

We'll have to do it ourselves in secret.

The biggest hurdle is persuading President Yuasa, right?

Okay. Hanzawa.

I'll assume complete responsibility for Foster.

Tomari.

Don't worry.

I wanted to be a banker so that I could work on

big projects like this with foreign companies.

Now, finally...

I can fulfill that dream.

It's for my best buddy.

I'll do anything.

We didn't become bankers to clean up after the mess of the folks at the top

who did whatever they pleased during the bubble era.

If we let them kick us out now,

all our efforts will remain unrewarded.

Let's do it, man.

The perseverance of the last of the bubble era new hires,

let's show them what that is.

President Yuasa.

I found the one and only way to save your hotel.

What I'm about to tell you

may be far more harder to take than what Owada and

Director Hane proposed to you.

President Yuasa.

Please accept Foster's financing offer.

Are you telling me to sell this hotel?

What's more, to Foster of all people!

They're the very people who ruined our restructuring plan!

I put myself in your position and thought it over thoroughly.

What I can do. What I ought to do.

And this is only answer I came up with.

Actually, Foster had already been searching for a company to merge and acquire

as a foothold to enter the Japanese market.

This proposal is a godsend to them as well.

It's an attractive proposition.

Right now, my colleague is working hard to negotiate

a merger on equal terms with Foster.

We'll make sure they agree to let you retain your position

as a condition of the merger.

Once you tie up with them, the global reservation system

owned by the biggest hotel chain in America will be available for your use.

You will have access to their staff, know-how, and everything else.

Not only will you be able to overcome this difficult situation, but

it's the best solution to enable Iseshima Hotel to make even greater strides in the future.

That's what I firmly believe.

Of course, the other party is the goliath, Foster.

There's always the possibility that they might take over completely.

However, President Yuasa...

I know you can survive.

You can protect the name of Iseshima Hotel.

I've come to that conclusion as a banker.

Let me think about it for a while.

Of course.

However, the day after tomorrow is the final day of the FSA inspection.

Please give me your answer by then.

So I only have a little more than a day to decide the fate of

this hotel that's been in operation for more than a century.

I'm sorry.

I didn't think I'd be seeing you again.

You're very persistent, aren't you?

I don't know what you've been told by Owada, but

I have no intention of stepping down as the banker in charge.

I'm touched that you're so concerned about us.

But you can rest assured.

I will protect this hotel.

I find it hard to believe that you can.

I would think I'm better than the president who was chosen

based on a foolish tradition of family-controlled management.

However, President Yuasa has something that you don't.

What can that be?

Honesty.

When operating a hospitality industry like hotels,

I believe that's the most important thing.

Honesty?

Do you really think this hotel lasted

for 100 years because of something like that?

The problems that arose because of the autocratic ways of the previous president,

do you want me to tell you all about them?

You see that clock there? Once a day,

it has to be wound, or it stops.

It was the first job the previous president gave me after I started working here.

Since then, I've been winding this clock

every single day without fail.

The person who kept Iseshima Hotel moving...

is me.

A banker who just recently came to be in charge

has no right to criticize me.

Here, take this.

Clean the bathroom.

Huh? I'm actually pretty tired.

I was only gone for a few days, but the house is a pig sty.

I'm sorry about that.

So, how was Kanazawa?

Who is it? This enemy you're talking about?

This guy called Owada.

It was fun.

Takahiro got your mother to play with him a lot, and

- he had a grand ole time. - Oh yeah?

How about you?

- Isn't the FSA inspection over yet? - It'll be over soon.

You'd better not lose to those sickening FSA officials, you hear?

Are those files safe?

They're safe. I've got them hidden where they can't be found.

That's what you say, but what if something like the time before happens again?

That really worries me.

Why don't you just send them off to Kanazawa?

It's Jiro Ame*!

*Soft candy from Tawaraya, the oldest candy shop in Kanazawa

Looks yummy~. Can I eat this?

FSA Inspection

Final Hearing Investigation

Day Before

Haven't you tracked down the hiding place of the removed files yet?

I'm sorry. We're currently conducting a thorough search of their whereabouts

after they left Hanzawa's wife's parents' home.

Any indication that a safe-deposit box was used?

- None so far. - I don't care if it's a safe-deposit box or what.

As long as we know where they're at, I can think of any reason and ask for disclosure.

Use any means to find them today!

Do you understand?

Of the 1,535 customers reviewed,

1,490 were found to be sound customers.

After making a few minor adjustments prior to the final hearing investigation,

the remaining 44 should not be classified as effectively bankrupt borrowers either.

Excluding...one Iseshima Hotel, that is.

That's the biggest problem, isn't it?

What does Iseshima Hotel have to say about this?

Actually, I got a proposal from Director Hane the other day

to break away from family-controlled management

and completely revamp their management policies.

- Does that mean President Yuasa will be removed? - Yes.