All language subtitles for Bad Banks - S02E03

Do you have any siblings?

I don't know...
Can we communicate or something?

Hobbies, or...
Do you like cats?

What do your parents do?

Who are you?

I have to go.

I don't want the others to find out.

Would that be unprofessional?

You have to promise me one thing.

If I get you to not think
about work for several minutes,

give me a slap.

- Good.
- But you'll have to try hard.

I'll do it, some day.

And then you'll give me a hard slap.

The teams and I
had a meeting yesterday.

Great.

- All right, Ladyboys, fresh coffee.
- Fuck off!

For you.

There's the little party animal.
Why do you look well-rested?

- He's a baby, a newborn.
- You look like a princess.

A pretty princess.

Calm down, Davie.
Keep your dick in your pants, fuck.

At least pretend to have a hangover.

How idiotic.

Green Wallet?

- Do you like it?
- Good website, good code.

Do you think
they'll become anything?

I think they've got something.

The question is, how quickly.
Whether they're ahead of their time.

Ahead of their time...

People spend more and more money
on organic stuff in supermarkets.

10% of Germans are vegetarian.
There's some change.

Interesting.
So why do you work at Fin21?

I'm serious, it's a good question.
Right, Davie?

Why are you in this capitalist den
if the future is Green Wallet?

I didn't say that...

You said it!

- Did he say it or not?
- I don't know anymore.

You said it!
You think Green Wallet is the future.

- It was just thinking out loud.
- Give me an answer now.

Why are you here?

I think maybe,
sometime in the future...

But you're too dumb
and are betting on the past!

You work here and believe
we're the losers of the future?

Why are you lying to yourself?
Don't be a coward, quit.

Quit!

I don't want to quit.

Do you know why you don't?

Do you know?

Because you're a cowardly whore.
Just like everyone.

That's why Green Wallet will fail.

You drink this here,

destroying our oceans.

Exploiting the farmers in Ethiopia,
destroying the rain forest.

You probably donate 50 euros a year
that are tax-deductible

and buy a new phone every year

while children die in the countries
you give your 50 euros to!

You're an asshole!
Just like everyone else.

Every single fucking person

orients themselves
on things they want to understand

and things they don't want to.

All of us here, Davie too,
we cheat our conscience,

and those who are most successful at it,

at telling themselves
they're doing the right thing

while they hurt others
are the winners!

Gabriel...

You're cool,
you're a liar like everyone else!

High five! Come on, high five!
Get the fuck out of my office!

BAD BANKS

Morning!

Take a look.

Imagine this is Ties' tablet.

- What?
- A lot of action yesterday?

Nice.

15 seconds.

If you have Ties' password.

Why are you suddenly
so keen on the plan?

The crap will be behind us then.

I hid the files. Ties won't find out
he has it on his tablet.

That's true.
When it's on there, it's on.

Is Shanti auditioning
for a Bollywood porn, or what?

We'll figure out
how we'll do this.

He lowered the volume.

No one is meant to know
that it's his birthday.

No, that's not true.

How are you?
You look like crap.

I just work a lot,
but everything is fine.

Deutsche Global Invest Incubator, Berlin

- Were you ever a proof person?
- Yes, fit and proper test.

It's not that easy today.

Let me do it.
I'll gain access in two days.

Three days are fine.
Just get the license,

otherwise we can't launch worldwide.

- Thank you. Goodbye.
- Goodbye.

You decide how to proceed
with Ties. Not Thao.

Don't worry.

See you!

Don't be scared.
We'll stay professional.

Guys. Guys, please.

Everyone, let's see it as an
opportunity, rather than a problem, okay?

We are well prepared

and we make sure that the launch
is accompanied by our announcement

that GreenWallet will soon be
available in the UK, too.

We got to do it.

Please trust me, we really need
to dig in over the next few days.

But we are going to do it.
Okay? So, let's go.

Shanti has some intense days
ahead of him.

He has to implement the incubator and
prepare it for the international market.

The problem is that
everything goes through him.

He has to update
everything the coders do.

Everything the designers do
won't work without him.

Will he be able to do it?
Is he... there yet?

Yes, he is.

You've already pulled one all-nighter.
We'd like to help you.

- Take off some of your workload.
- It won't work. I have to do this myself.

Shanti, have you ever pulled
more than one all-nighter in a row?

No.

The next few days
are going to be hard.

We'll get you a room
you can sleep in.

It's your shot
to prove yourself here, okay?

The biggest shot of your life.

You're gonna be
so fucking proud of yourself.

All right? You're gonna do it.

Mrs. Leblanc!

What did he say exactly?

Khano was in a FinTech conference
with Sydow.

He said that even though
there were Global employees there,

he's worried about you.

How did you find this out?

Singnam from the back office
heard it from a colleague,

and he heard it from someone
in Sydow's department.

You should wear flats.

Khano was never very creative
when he kicked people out.

First, things come out of him
at some conferences

which spread all over the office,

then he gives you a task
you won't be able to fulfil.

What should I do?

The only thing that can win you
some time. Attack.

Thanks for the help.

I'm the one who should thank you.

DEUTSCHE GLOBAL INVEST,
FRANKFURT AM MAIN

They asked again whether they can
print details about me or my source.

No, don't mention your position
or any details.

You want to be referred
to only as an insider.

All right, got it. See you later.

An insider from Deutsche Global Invest

reports on Supervisory Board
disagreements

regarding Robert Khano's competence.

Insider?

This is ridiculous.
Gossip like this, we just ignore.

Nothing this newspaper writes
can be ignored.

Sorry, Quirin, she...

Why don't we speed things up?
What's my mission impossible?

Pardon me?

I heard the rumors about me
have started circulating.

Welcome to the club.

Since this merger, this bank
has been sitting on so much junk

that I have absolutely no room
for maneuver.

You've been promising me for months
that this will change.

Why us?
Why don't you make the change?

It's not my fault
that we're stuck with all this junk.

The regulations make it absolutely
impossible to make it valuable again.

You don't seriously
intend to blame me for this.

Fortunately,
we do agree on one point:

this sort of bickering is the last thing
we need right now.

We are not only in the focus of the EZB,

also the international press
is looking at us.

So we need constructive solutions.

And apologize to Maria.

I can't accept disrespectful behaviour
towards my employee.

Where is Luc?

He had something.
He has the day off today.

- Why? What is he doing?
- I have no idea.

Here, my friend.

There's no deposit on it.

- What?
- There is no deposit, you ass.

I'm coming to Berlin.

You know what people
in Frankfurt call me?

The junk dealer boss.

But I can't get rid of the junk

and there's no other job for me
because there are less and less jobs,

and all the Brexit bankers
have flooded the work market.

- You want to be in the incubator.
- Yes, of course.

You brought in
those three boneheads.

- They brought a FinTech.
- Exactly.

And my concept is that I'll start
as an entrepreneur in residence.

I'll look over people's shoulders,

and will slowly let
my experience flow in.

What experience?

Are you really my father or a clone?
You look different.

It's the new glasses.

What experience
do you actually have? For this?

So, how's it hanging?

- Can we speak outside?
- Oh yes.

Sorry that I didn't answer.
We have a lot to do today.

I was a bit angry at first,
but do you have five minutes for me?

- No.
- Then two minutes.

I've been thinking how you can improve
Green Wallet's performance.

It's a bad time now.

Why don't you listen
to what I have to say?

Thao?

Is she hiding from me?

You're so unfair!
We've always worked so well together.

- You've become so antisocial!
- We're working like hell.

Get far away from the bank
and stay there.

It's not the nice,
new world everyone thinks it is.

Jana?

- Is he gone?
- Yes. What's up?

The pin for Ties' tablet.

He's standing by the counter up front,
I'll find something to distract him.

Good.

Thao Hoang
New message

I have Ties' password.

Victoria Escort
Incoming call...

I'll do it for 100,000.

With an advance payment.
50,000 now.

I'll get the money
and contact you.

Hey guys, morning.
Gabriel Fenger, nice to meet you, man.

- Thanks man! Enjoy your day.
- Okay.

What the fuck?

Gabriel?

Impressive office.

- You can't just come in here.
- A surprise visit. How's it going?

- Gabriel Fenger. Hello.
- Ben Kaufmann. Pleasure.

You can't just...

Good timing,
you left Goldman at the right time.

- Respect.
- Thank you very much, but still...

Don't worry.
I'm about to leave. Comrade.

Coffee?

Outside?

- Pleasure to meet you.
- Pleasure is all mine.

Good luck.

- It's cool.
- Thank you.

Shanti, how is it going?
Is there anything I can do to help?

Just stop offering me help. Please.

And my name is Shantimay.
Shanti is a women's name.

Thank you.

It's your turn to explain.

Explain what?

Why you lost your talent in six months.

- That's what you think?
- Please, what is this crap?

Is there a plan behind this
that I don't understand...

I believe in Green Wallet.

Come on!
Are you fucking kidding me?

A sustainable bank can maybe work

for people who need an account
but say "I hate bankers,

"I'll put my money in a useful account",

but not a robo-advisor
like Green Wallet.

That's a fucking joke.

Many people in Germany
and other rich countries

are thinking
about how to invest their money.

If we show them they can get high
returns while doing a good thing,

it can work.

It won't, and you know it.

- It will.
- No.

Jana, you're right, sorry.

Every person has to make
their own experience.

I have another appointment now.
I fly back tomorrow.

Let's have dinner tonight.

Sure.

Good.

LONDON

You've been an approved person before,
have you?

Right, I am familiar with all that.

This way please.

Then you are probably aware that your
status has been inactive for too long.

I am afraid you have to renew
your application.

That's why I am here.
Multiple Choice today, right?

There is the door.

Too good...
Too good for this shit.

Excuse me, Sir? Sorry.

We have reviewed your application

and would like to speak to you
about it again tomorrow morning.

Sure. I have time.

So, new office?

I've been trying

to pool these high-interest-bearing
bonds into a fund for months

but there's only complete junk in it.

Even loans from Leipzig 2025.

Luc.

What happened to you?

A year ago
you would've thought of something.

- What broke you?
- Should I jump from here or what?

How do you think Sydow
became who he is,

or how I became who I am?

Or your father?

Do you think we followed the rules?

I want the old Luc back.

I have a trusted contact
in a small bank.

He knows a banker that you know.

And if my contact buys a part
of the junk from you and resells it...

Then a contact of mine goes to your
contact, and I buy it all back...

Here's a list with trusted contacts

and some constellations
that would hide the road trip.

You'll make the junk valuable again.
And you'll finalise the fund.

Valuable?

And don't jump.

Isabelle? I won't have contact
with Luc from now on.

No emails, no calls.

- How's it going?
- Good. Great.

I just have to go
to an interview tomorrow.

With the financial supervision?

It's a standard thing, no idea.

- Is there something that...
- No, nothing.

I don't care what you're up to,
but I have to know...

I said no!
It's all good.

Then get back to me, okay?

Gabriel Fenger
New message

Where are you?

Sorry, I just wanted to remind you
to drink. Promise me.

- Thank you.
- Okay? Take care.

I saw that you read my text.

I can't make it unfortunately.

Fucking bitch!

David Kubiak
Dialling...

Hey Dave, you have to find
an address for me.

K,

J,

I,

G,

F,

E,

D.

Ben?

Good morning.

Sleep well?

The bill.

You know what? Fuck you!

And you, fuck you!

Fuck all of you here!

We just came from my lawyer.

We came by directly
before he sent it to you.

And?

How's it going?

- Good, thank you.
- What?

- It's going well, thank you!
- What's going well?

Jana, this is Karin, my mother,
and my brother Flo.

- Ben, I'm leaving. I'll see you.
- We'll leave soon, you can stay.

What do you do?

I'm Ben's colleague.

- What?
- She's a colleague!

- A techie.
- Co-CEO.

We bought Ben's start-up
for Deutsche Global Invest.

That disaster just happened last week.
It just happened last week.

She thinks it's a bad thing
that we were bought up.

- What do I think?
- That the buy up wasn't good.

Nonsense. What do I know?

You wanted to walk on a minefield,
so now you are!

Don't look at me like that.

- Seriously!
- Sorry that I'm worried.

- You're too good a person, Flo.
- So, the reason we're here.

It's all in your lawyer's writing,
that I would love to read,

but I have to go to work now.

Why do you react so aggressively
when we visit you?

I'm just speaking loudly
so you understand me!

If you messed something up
with our money again...

- Our money?
- What?

A few months ago,
it was still dad's money!

Our family's money.

No, it's my money
that I financed my company with.

- We should...
- We tried.

We'll come back
when your company is broke,

and we have to pick up the pieces.

Are you coming?

Sorry, good luck.

Sorry about the two of them.

Shall we?

Since Fin21 was founded
a year and a half ago,

we've amassed 10,000 customers.

My clientele
is already worth 13 million.

We could have 57,000 customers
three years after founding.

- From organic growth alone.
- Impressive.

But we looked at the lifetime costs
per Fin21 customer.

We arrived at a running cost of 70
euros. With CAC, it's 250 euros.

The conversion rate of registered
customers to active customers...

Funny. People peel bananas from here,
but monkeys take the other side.

Look.

The monkeys are right.
You damage the bananas much less.

- You used to negotiate more creatively...
- I wasn't as successful in the past.

You want to value Fin21 at 150 million.

We can get a deal
with eight big banks tomorrow

who all want to cooperate
with Fin21 to redirect

their customers' savings
and avoid the ECB penalty interest.

Our conversation partners from
yesterday can offer 100,000 customers

with deposits worth 3.8 billion.
I can sign eight deals like that.

I feel no pressure
to sell Fin21 right now.

If Fin21 is valued
at less than 220 million,

we won't even talk to you.

You built Green Wallet
with the inheritance from your father?

I've been in a legal dispute
with my family.

If Green Wallet doesn't work,
I'll be broke.

We can do it.

- Why are you hesitating?
- Am I?

You making yourself scarce
and don't want to sell. Talk to me.

I want to sell,
but maybe not to Lindberg & Stern.

What's your plan?

Good morning.

Where have you been?

- I'm on time.
- Jacoby is at the front. Let's be quick.

Can you help me?

Just a moment.

I'm sorry.

Leave it.
The cleaning lady will do it.

It's alright, leave it.

What is it now?
Oh my God!

- Everything all right?
- Yes, all good.

Fuck!

Mr. Jacoby, is this yours?

I was caught up with something, sorry.

- It fell.
- What were you doing?

I'll buy you a new one, of course.

Sorry.

I can't believe it.

Fuck!

Clarnow Palace, Brandenburg

Let's go!

Luc here. Of course it's me!
Don't you recognise my voice?

The US and Great Britain loosened up
their regulations a long time ago.

Only we have our banks
in a chokehold.

The result is that we aren't
competitive anymore.

Germany wants to be the eager beaver
but we're the inhibitors.

The deals, parties and drugs were
cooler, the women were hotter,

the clients were cooler,
they were happy we made them rich!

You want to announce to the press

that you want to ease up
the bank regulations?

And announce the tightening
of liability regulations for bankers.

Sorry,
but no one will understand that.

Easy to explain. Regulations down,
liability regulations up.

A clear message.
We ease up the regulations

if you're prepared
to be individually responsible.

You gamble, you're liable.

They don't understand that risk

means profit and returns,
and at times losses! Not our fault!

I like the initiative.

You know we'll never be able
to tighten the liability regulations.

Exactly. Shall we say three? Yes?

Who are we making happy with this?

For finance people nothing is worse
than individual responsibility:

"I am liable if I gamble
with other people's money?

"I hate the new finance minister."

And the population:
"Our new young finance minister

"wants to ease the regulations
of the evil bankers, I hate him."

It's a lose-lose situation.
What do we get from that?

Who do you mean by "we"?
You, me, the whole country?

They're ruining everything!
FinTech and all that crap.

Daring to be more realistic
means speeding up processes.

Of course this interests you.
For sure.

I think this is all a bit rushed.

You think in categories that might
have been applied in the US in 2007,

but not in the reality
of the European financial sector today.

This way we have no future.

It didn't work. Ties is now distrustful.
Thao Hoang

What are you doing with Jana?

You showed me this video. Why?

Because you're scared
I'm too interested in her?

You're trying to build trust?
I don't trust you one bit.

I think all emotions
are an engine for great success.

Revenge is an engine like that.

I wanted to show that I understood that.

I want to sell Fin21 to Global.

Then I'm asking you to be patient.

Jana works for me.

Still.

As soon as I have what I need from her,
I'll take her to court.

But I still need her.

Thank you for coming back in
to see us again, Mister Pohl.

So, you have been an approved person
in London before,

passed all the tests, no problem,
everything on that score is fine.

Excellent.

However,

we've received some information
from our counterparts in Germany

that there is this suggestion
that a restraining order,

or a pending lawsuit
something of that nature

has been taken out against you.

In relation to an alleged instance
of domestic violence. Is this true?

That... actually there is no lawsuit,

she didn't file charges.

My wife is just trying
to take away my kids.

I am sure you are going to appreciate
Mr. Pohl this is a sensitive issue

and we will take a dimmed view

on someone who failed
to disclose something like this to us.

- Do you understand?
- Sure. Really and I am sorry.

I clean this up with my lawyer
straight away

and submit the required information.

How is it going?
Jana Liekam

Hi, can we have three pints, please?
Thank you.

I still have to clear up
a few formalities...

- So, what's new with you?
- Not much actually.

- Hi.
- Hi.

Who are you?

That is the wrong question.

Okay.
So what is the right question then?

The question should be
what am I going to have next.

Okay. So, what are you going
to have next?

- You.
- Are you sure?

Absolutely sure.

Jana?

I'll go and meet
with the support guy, okay?

Is everything okay with you?

I'll lose it
if it doesn't continue soon.

I think he can't do it.

Alright, take care.

Shanti, hey.
Let's go get some fresh air.

- No, I really...
- It's all right.

Okay, take a break. It's fine.

- Fresh air is good for you.
- Ja, I guess so.

I'm totally against something like this,

but sometimes it can save your ass.

Only if you want it.

But you'll survive the next hours
with this.

You're almost there. And then you are
gonna be so proud of yourself.

A simple police statement, yeah?

Sydow gave you money
in the last six months

so you'd meet with Peter Richard.

- Sure.
- You'll get the rest after.

Don't fuck this up!

Asshole.

But thank you.

Peter Richard
Incoming call...

Idiot.

Gabriel Fenger
Incoming call...

Mr. Fenger? What a surprise!

Hey, what's wrong?

I am losing everything.
First my family... and now my job.

Soon they will all realize that nobody
needs fucking bankers like me anymore.

I am pointless,
I am a fucking waste of space.

Don't say that.

I'm dead.

Please don't say that.

Please breathe.

Jana, come quick!

- My back hurts.
- Shanti?

Talk to me. Where? Shanti.

An ambulance, immediately!
Do something!

My co-worker is in pain.

He's feeling very bad.
I think maybe his heart...

What's going on? We called an
ambulance. It's going to be fine.

Shanti is in St. Marien Hospital.
Please come!

A colleague of mine, Shantimay
Bharadwaj, was just brought here.

- Can you tell me where he is?
- I'll have a look.

- Can you please tell me?
- Take a seat.

You're not the only one here.
Other people are waiting.

Calm down. Take a seat.
I'll have a look.