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Inspired by true events.
Present
a Polish Film Institute co-financed production
Starring:
How did you know about our bank?
I saw an ad at the Faculty of Psychology.
- Did you graduate? - I quit.
Why?
I needed money.
How much did you make for us?
- There's a recession... - Just say how much.
Six million.
- In six months? - That's how long she's been here.
Is she our best?
- She is. - Well, well.
Mr chairman wants you to be head of a branch.
You'll start next week.
Here's a sales plan for the rest of the year.
You'll hire new people. Young.
Pretty and efficient. Young guard, like yourself.
You'll be aiming to sell at least 10 million a month.
It's over 1.5 million a dealer.
I'll go prepare the paperwork.
She gave you this job.
But I'm the one, who decides, who goes up and who goes out.
THE BANKSTERS
Gdynia, December 6th 2007
- Hi, everybody! - Hello.
I'm sorry.
Wife, kid, St. Nicholas Day, you know.
Yeah, you had to make sandwiches, too.
What about the update for the Spaniards?
Look.
We test it, we debug it, but all in all...
- It works. - They've been calling me.
Don't worry, we'll make it. Unless they come up with something.
Today's email.
The Koreans want their own team locally in Warsaw.
- You'll create it. - That's cool, but...
If this works, we'll move the company.
Artur, you know me and Magda are looking for a place in Gdynia.
- You'll buy one in Warsaw. - How?
I can't afford a loan even here.
OK, come. Let's take a walk.
I'll give you a raise.
Eight thousand after tax.
And some shares.
But the sidejobs are over.
- Dude. - You didn't think I'd know?
I have to save for the initial payment.
You have no idea, where I live now.
In a Soviet submarine - damp, tight and stuck with my mother-in-law.
I can't live like that.
I do my job for the company, don't I?
Yes, you do.
But an office in Warsaw is a chance for the both of us.
- How many shares? - How many do you want?
Five percent.
You've helped me build this company.
I'll give you seven.
And a company car. Ford Mondeo. You like that?
- You're playing Santa? - More than Santa.
Good morning. Is Jolka around?
No.
Motherfucker! Tomasz?
Hello!
- Where do we drink tonight? - We're in.
Guantanamo must've closed, if you're here free, Paweł?
Where the fuck did you learn such lines?
I've heard the whole Warsaw is yours, so now what? New York?
We'll see. Do you want to go to New York?
Excuse me for a second, miss. Will there be any pieces of ass?
How about pieces of your ass?
Check out these documents.
Oh, fuck! What is this?
- I've got receipts on you. - You haven't changed a bit.
It was like twelve years ago, one year after I left.
I met Magda and went straight then.
So what, gentlemen? The Four Tank-Men?
Yes, to the Four Tank-Men!
You mean the Four Greed-Men?
Right, Tomasz. Are you seeing someone?
I'm seeing Wall Street daily.
But you used to be in insurance.
I started by selling insurance in a middle of nowhere.
Then I applied, interned, graduated, ate dog food
for a year. And now I'm here.
Downtown Manhattan headquarters
and wolves all around.
Wall Street, floor 37.
Perfect to jump from, right?
New York City.
- I'm paying, please. - Thank you very much.
Thanks.
- Come. - Maybe you give it to her?
No way. I won't.
- Isn't it late? - Magda awaits you.
She's happy to see you. Seriously.
There.
You'll see my kid.
She's awesome, really.
I won't believe your're living with your mother-in-law until I see her.
Do you live in the ghetto?
Magda, open up.
Your mom put the chain on again.
Coming.
Hi.
- This is Tom. - Nice to meet you.
We're sorry to be coming so late.
- Julka is sleeping. - That's good.
Come in.
- This is Julka. - She's so cute!
Isn't she cool?
- Let's... - Wait, wait.
It was so great to see the boys.
Tom is my best friend. Are you mad?
Should I be?
- You partied hard. - Yeah.
Are you up, mom?
I'm keeping watch.
These paintings are great!
Magda graduated from art school.
- You only have this room? - Yeah.
How do you fuck next to the kid?
Very quietly.
Sit down.
Twice a month she takes the kid to a doll theatre.
We can do it then.
- Twice a month? So romantic. - Don't piss me off.
Here's my artist.
- Enjoy. - Thank you.
To us meeting.
This place is very cozy, but why don't you rent something?
- That's too expensive. - We're trying to get a house loan.
We're saving to make the initial payment.
- You haven't already? - Dude.
Everyone in this country wants to have their own place.
The development companies know that perfectly well,
so they drive the prices through the roof. Banks too.
Like the mafia. You must know that.
What about a foreign currency loan with a lower interest rate?
What are you talking about? That's just for the rich.
We can't afford a Swiss franc loan.
Everyone's saving and waiting for nothing.
Excuse me, I have to pee.
Oh, fuck me.
Fucking Swiss franc, twenty year terms...
Three hundred eighty times...
Fucking half a million.
Fuck yeah.
Listen, I have to go right now. It was very nice to meet you.
What? Tom!
How the fuck do I open this?
Quiet, dude. Hey.
What's up? Some girl?
Fuck no. I've been enlightened. This is the best trip of my life.
I will explain it to you some day.
You're nuts.
So why don't we speak Polish?
I want to be on your team.
Thank you.
Fuck yes!
He's always been a little crazy.
What are you thinking?
We will succeed one day too, right?
Sure.
Get us out of here.
How about we move to Warsaw?
Warsaw, November 22nd 2007.
She told him he's fired and to get the fuck out.
Half a minute and he's done.
What is this?
Didn't they tell you?
No.
- What's going on? - Karolina...
Takes over the room and is boss from now on.
Karolina? Nice joke.
I must fire you and Elżbieta.
Why?
- You're kidding. - I'm passing on the decision.
They're not happy with your numbers.
What fucking numbers?
Who do we have to sell this trash to?
For two years we were good
and now we're not good anymore. Aren't we?
You should've worked instead of complaining.
Fuck me! I'll trash this place.
Here! Stuff yourself with this.
You sell-out cunt.
The work starts in two minutes.
My train is in twenty eight minutes.
- I've made you sandwiches. - Thanks.
Toiletries.
I've rented a cool apartment next to the Łazienki Park.
I hope you'll come to visit.
I hope you won't forget about us.
I would never forget about you.
Can we stay in Warsaw, if we like it there?
- It's possible. - Will we take grandma too?
Grandma will visit us.
- Sometimes. - OK.
I'm afraid of Warsaw.
Don't lose your spirit. It can only be better.
It's getting better now and we'll soon have our own place.
I choose the wall paints and the furniture.
Whatever you say, girls.
I want my own room with a bunk bed!
- What else? - A mint polka dot wallpaper.
A goodbye kiss.
New York, January 14th 2008.
Old habits never die.
You chose the same place.
It's like I was back in Poland.
Tom Malinowski, my assistant.
Glad to meet you, Minister.
I'm not in the government anymore.
Politicians and whores never really make it out.
Tom will give you the details.
Young Polish people are getting rich.
They want to become independent as quickly as possible.
They don't want to rent. They want their own apartments.
- To the point. - Expensive loans are the problem.
That's why we'll put out a new product to the market.
Something cheaper, on client-friendly, liberal terms.
Cheap loan?
- US dollars? - Swiss francs.
Where's the money it this? How do you make profit?
Foreign exchange risk? Rates shifting?
Of course.
Franc is low, people will take loans.
And you will bet against Polish zloty.
Franc will rise.
Value of the whole loan portfolio...
Will sky-rocket.
The cheap loan will not be cheap anymore.
The people will pay and you will earn the compensation.
You want to blow up Poland's whole financial system.
Calm down. We will sell a popular product.
What's legal, is legal.
How high do you estimate the market?
Multiple variants indicate a few tens of billions.
- Zlotys? - Dollars.
Oh fuck.
What do you want me to do?
Tom, leave us for a minute.
We will need six or...
Eight Polish banks.
- So many? - One would be too suspicious.
And would delay cleaning up the market.
It's a question of time.
This will cost you.
Politicians and whores never really make it out.
What if I win the next election?
You could finance my campaign
through the Democracy Development Fund.
In Malta.
One million I'll take here, on your soil.
- In cash. - Get to work.
I'll be in Poland the day after tomorrow.
I'm sorry. I'm very sorry.
- Hotel management? - Yes.
- University? - Yes.
- Graduated? - No.
Why?
I went to Germany with a boyfriend.
It turned out he also had a boyfriend there.
Crazy story.
- Where did you work? - In Hamburg.
At the desk in a hotel
and at a night club.
And in Poland as a hostess.
Why do you want to work here?
Because... I want to develop.
And I want a permanent job.
Count this.
Too slow.
Lose the nails, the make-up's fine.
You mean I got the job?
- Learn this and come on Monday. - Thank you.
Who's next?
Good morning. Where do we put this?
This way.
Thank you.
Be careful. It wasn't cheap.
- Hi. How's it going? - Great.
The equipment will be here tomorrow.
What is it?
I need a million dollars for the Koreans contract.
What does it mean to us?
Nothing. You don't need to hurry, until I get the money.
You know I've taken a loan.
I promised Magda.
I can't quit now.
My family life would fall apart.
I'll get you the papers for the bank. Chill.
So, we're broke?
We should borrow some.
From Paweł maybe?
- He has that kind of money? - It's worth asking.
I'll call him and you go back to Magda and don't worry.
We've been through worse. We'll make it, right?
- Who's there? - A friend.
- What friend? - From technical school.
Will you let us in?
Hello, honey.
Find a bed. I'll be right there.
Tight, but own.
Pretty, but it's not your style.
- Have you been there? - I will be.
Machu Picchu.
Could you tell me...?
Very good wine. Check it out.
OK, let's make it brief.
Thanks to me, you've replaced Katarzyna.
In four, five years you could replace Anna.
At your interview I decided I'd rather fuck you than her.
So, if you're good at it and you have the guts,
you get to fuck me back one day. This is how this works.
The sooner you understand, the more you'Il enjoy it.
It's really good.
You look nice together.
Hello?
I've sent you three texts.
My phone was on silent.
There will be a meeting tomorrow.
At my place in the countryside.
- What time? - Six.
- You better be there. - I will.
I'm sure you will.
He came up with these terms himself.
So fucking make him!
Do I have to tell you how?
On the fucking phone?
OK, you have one week.
You have one week, before I take care of it myself.
Bye.
Fuck me.
What's up?
- I've got business. - You wouldn't come otherwise.
I need some money.
Problems? How much?
A million. Dollars.
That's a lot. I don't have that much.
We know you can get it.
Maybe I can or maybe I can't. It takes time and money.
You lend it to me with interest.
You'll decide the rate.
- What's the collateral? - As many shares as you want.
I'd give you a hundred thousand, but I don't have it.
You don't?
I thought we were friends.
We are, but that means grabbing beers or fucking girls.
- Welcome, Mr chairman. - Thank you.
You're finally here. We've been waiting just for you.
I was taking a course.
An easier accesible loan? How?
It's expensive to exchange francs.
Read on. You will turn the loan to Polish zloty right away.
The keywords are "right away".
The contract is for francs, but they will pay in zlotys.
Adequate to the current exchange rate.
It'll be franc on paper.
- A Polish franek. - Franek? Like the name?
That's good.
Franek Kowalski.
So familiar, so ours, so Polish.
It seems more like virtual.
There's not even ten percent of the francs you want to sell
in the whole financial system.
What if the rate goes up?
- It will be Hell. - That's when we earn the most.
I'm in.
Don't forget that Brussels want to put a muzzle on us.
It will be voted on soon.
Don't worry.
We'll delay it, change it, block it, if necessary.
That's my job. Let's market it.
And spread it everywhere.
You took care of everything as usual.
When will you be ready?
- Twenty minutes. - Make it fifteen.
What's the other product?
Options.
Strong zloty fucks with exporters.
We'll offer them options as collateral.
This is regular bookmaking.
It's four to one they will get fucked over.
I can count, you know? Four to one.
You want to drain your best clients.
They stand no chance. None.
We'll take over their assets. Smile and earn.
You've managed to do so, so far.
You're nuts.
You want to crush the market and blow the whole system up.
You'll end up in courts.
I will not clean up this shit.
Leave the papers.
Remember you are bound by the non-disclosure clause.
Do you think he could take it somewhere... you know?
Where would he take it?
I'll know, if he opens his mouth.
The industry gets rid of those, who shit in it.
Where else would he go?
Teach at the university?
Who'd give him half a million every month?
He'll sleep on it and call me back.
I'm sorry for him, actually.
OK, gentlemen.
How do we divide this?
Gentlemen.
No leaks, until we start the campaign.
No talking to wives, lovers, whores.
- Whoever you keep there. - Of course.
Bye.
Stay, Adam.
I've heard your shop is close to the bottom.
- Who said that? - Doesn't matter.
Being under my umbrella is not free.
- I'll think about it. - You do that.
From now on, you do everything legal.
Cross the street, when the light is green.
Wash your hands after every shit.
We can't fuck this up.
This is a one in a decade opportunity.
- And you're a target. - Whose target?
Not just the inspector's target.
Ok.
One more thing.
My mom and dad will have their anniversary.
She wouldn't take any money from me.
I don't know what to do. Maybe you have an idea?
- What's mom's name? - Maria Andrzejewska.
Ok.
The view and the air are free.
There should be bisons in such a landscape.
It's amazing.
No one is permitted to build anything else in this area.
- So it's 550 thousand? - 550 plus 30 for the free garage.
Couldn't we negotiate?
It's already a reduced price.
It's large.
What about a smaller size?
There are two apartments left in this building.
The other one is one floor down, same layout, same price.
What about a different estate?
There is a cheaper apartment,
but the standard is lower, worse location, no garage
and the view is of a dumpster and a dog toilet instead.
Do you want to see more?
Not today. I'm meeting another couple in half an hour.
Dad, I'll put a dollhouse here,
a bunk bed and a mint polka dot wallpaper.
- We like it. - You do?
So? Do we take it?
Let's take it.
Alright. We'll take it.
- You will? - We will?
New York, February 15th 2008
- What's up? - Hi!
Finally! I've called you 7 times.
I'm so tired, you're lucky I answered.
Thanks a lot. Listen.
I'm taking a loan.
So, when all the conditions are checked,
I should take the Swiss franc loan, right?
Are you there?
- Take it in zlotys. - What?
- Take it in zlotys. - Are you sure?
Everyone's talking about the francs now.
Our friends have taken it. Ads are everywhere.
Take it in zlotys. Don't take francs no matter what.
No matter fucking what. Zlotys only.
What are you saying? Are you high?
This is very important to me.
I'm high, but you should trust me. I got to go.
The bank is calling.
You know what?
- I feel like Tom's right. - You do?
- I'm not a specialist. - No one is, honey.
Promise me, you won't take the francs.
I'll make it so, that it's the best for us.
The investment commitee has approved our projects.
I don't remember them ever deciding that fast.
The bastards have smelled the blood.
We're opening a casino
and you've helped build it, son.
Congratulations.
Also...
Check your account.
Julka has painted you a picture.
That's our home.
I have negotiated an unlimited credit line for francs
and currency options.
Starting tomorrow, every salesman pushes two products to the clients.
An insurance-investment policy and a Swiss franc loan.
Every business takes up a currency option investment.
Goal: 4 billion a month.
- Is this realistic? - Are you listening to me?
This is a completely new proposal.
Lower fees, easier access.
We're going along a larger marketing campaign.
One wave, one catch.
To stand out we will reward our millionth client.
The lucky person will win a hundred thousand zlotys.
The winner is Maria Andrzejewska. Here's her data.
Please, take care of this personally, alright?
I hope you understand the gravity of the situation.
The documents are in your emails.
All this is strictly confidential.
The employees only know, what they need to know. Questions?
Let's get to work.
The millionth account. We need records to reach it.
Send the juniors to the graveyard.
- Graveyard? - Come, I'll explain it to you.
You're quick.
Too quick.
Send the juniors to graveyards.
Tell them to write down names and birthdays.
- IT will take care of the rest. - The rest?
Social security numbers, you dummy.
They generate numbers and IDs.
They create fake accounts.
Learn. The chairman needs one million accounts.
How do you acquire them?
The bank needs to grow strong.
Aren't you having too much fun?
Hand these out.
Thank you.
Thirty million? Is someone fucked in the head?
Swiss franc loans are unmatched.
The client will be able to take 300 thousand instead of 200.
The first month will be hard. We need to get clients.
- How? - By easing the terms.
We will give loans to those, who were previously ineligible.
Call those, who were denied. People will be grateful.
What about the property and unemployment insurance?
It's in the papers. They're obligatory.
- So the fee is hidden. - There's no hidden fees.
It's very favorable to the client, do you understand?
No.
That's why we'll propose the Low Initial Payment Insurance.
It's not in the papers. What is it?
I don't know yet. But it sounds nice, right?
And it will earn us bonuses.
Every client shall get our new credit card.
Remember.
You're not selling anything.
You're not pushing loans. You're making dreams come true.
The loan is just a tool.
A pass to a better life.
A ticket to paradise.
Don't fuck this up.
Oh fuck.
Fuck me. She believed it.
- You find that funny? - You find that funny?
Yup.
Warsaw, February 28th 2008.
Good morning.
How can I help you?
I'd like to change my life.
Great. You couldn't have come at a better time.
Come in.
Credit or loan?
- A mortgage loan. - Great. Life's decision.
- How much is the apartment? - 580 thousand including garage.
580 thousand.
That's quite a lot.
It is. I've saved ten percent for the initial payment.
How much do you earn monthly?
- Eight thousand. - Before or after tax?
After tax.
Enviable sum. Are you single?
Married, but we've signed a prenup.
My mother-in-law reckoned, that I've married rich.
- But you share a household? - Yes.
- Does your spouse work? - Freelance.
She's a graphic designer. That's a lot of questions.
- Almost done. Children? - One child.
I offer you a Swiss franc loan.
It's our best product.
No, thank you. I'd like a loan in zlotys.
Your monthly payment in zlotys will be 4286.15.
And in francs after exchange it will be 2950.48 zlotys.
- 2900? - Without an initial payment.
That's a bonus offer.
We can place your money on an insurance-investment policy.
You know what, I still want the loan in zlotys.
Could you give me an example contract and terms of use?
Of course. Come.
Let me print a contract for you.
Please, write your child's name.
- Why? - I thought of your savings.
They could earn more through an investment.
Without an initial payment.
- A boy? - A girl.
The expected yearly profit is 8 to 11 percent.
Of course you can also withdraw your money at any time.
Together with the loan in francs it earns you 30 thousand a year.
Do you also use that insurance-investment policy?
I can't afford it and I don't have kids yet.
Thank you, but no.
I'm only interested in a house loan in zlotys.
Of course, I understand. That's fine.
Hello? I can't speak right now.
Would you excuse me?
I remember. Bye-bye.
Sorry. I will also need a loan guarantee.
Of course.
Excuse me. Can I give my client a policy from your stock?
I'm all out, but I saw you still have one left.
- For how much? - Eighty thousand.
- OK, take it. - Thanks.
You know what.
I'll take the policy for 40 thousand, too.
You have just backed out.
I've changed my mind.
The client there wants to invest 80 thousand.
That's a way better option for us.
- I'll give you 45 thousand. - I really can't.
50 thousand. It's all I have.
I'm sorry, but there's nothing I can do.
Aren't you the boss around here?
OK, there is a way.
We can enlarge your loan by 30 thousand and add it to the policy.
You will earn, we won't lose.
The loan will be 610 thousand with an 80 thousand policy, OK?
OK. I'm in.
Please, write down your daughter's name.
Julka.
Julka will thank you for it.
He was fucking young, huh?
Probably didn't even get to fuck. What can you do?
Let's write!
Patryk, please, I'm going to barf.
Let's just write them down and spare me the comments.
Honey, we have two thousand accounts to create by tomorrow.
So why don't you cut the unnecessary crap?
The method is this: the marble ones go first.
Because they could afford it. Let's do it!
Adrian Sparrow. Good morning, Mr Adrian.
I'm Patryk and I'm here to change your life.
How about that, huh?
Social security number: 820516... and we'll make up the rest.
Next grave.
Wanda Pigeon. What's up with that? Is this a bird cemetary?
Kasia.
Please, stop.
You have to be tough.
We won't be done before tomorrow. I don't want that. Do you?
It's either us or them.
Oh, God. Emilka Cabbage.
We're entering the vegetable section.
Got it. Next.
We have both national and international credentials.
The offer will be ready within a week.
- Goodbye. - Boss!
- I've got a loan. - Great, I'd like one too.
- What's wrong? - Too much.
My bank will not secure the contract with the Koreans.
This is bad.
Is that bank of yours legit?
Well.
They gave me a mortgage loan without an initial payment.
- So I guess they're cool. - That's great.
- Do you have a liaison? - I do, actually. There's a girl.
Karolina Hirsch. A bitch?
Not really. Young, cool, pretty.
- That's dangerous. - Not to me.
Go back to work. Congratulations.
Thanks. Finally!
How are your sales?
Swiss franc loans for 3 billion a month.
It's insane.
The question is, how long will it last?
What?
Nothing. I have the ambassadors' tournament now.
Thank you on behalf of my mother.
I would like to invest this money
into an insurance-investment policy.
- For my daughter. - How much?
- Excuse me? - How much is in there?
Thirty thousand.
My life savings.
Don't invest it.
- Don't use the insurance-investment. - Excuse me?
- Don't invest it. - What?!
Don't invest it! You will lose your money!
Excuse me for a moment.
Sit down.
What the fuck was that? Can you explain it to me?
Did I hear you well?
It's his life savings.
Great. We want them invested here.
He's old and doesn't understand the risk.
Your job is to sell products. Do you understand?
If you want to take pity on them, go work at a homeless shelter.
- Fuck. - What is it?
The client takes a loan and wants to see the francs.
But we have none. None!
Go to a cash exchange booth and buy 20 francs.
I'll pay you back. Go.
Listen.
I'll let you off this time, but if you do this again,
I will throw you the fuck out.
Go back to work.
- Good morning. - How can I help you?
I'm looking for Karolina Hirsch.
Maybe I could be of help?
I need cash fast, no questions and zero interest rate.
Who wouldn't like that?
How much do you need?
One million dollars.
That's a serious amount.
- Hello? - Kasia hit the jackpot.
Collateral?
Yes, a high profit margin contract with a Korean partner
to a first company of this kind in this area of Europe.
The bank will have to check it.
But at the moment I think the best option would be a loan
with a contract for options.
- Could you translate that? - Let me explain.
You ask for a million.
And you pay back a million dollars.
The contract is paid in zlotys according to a set exchange rate.
That minimizes the exchange risk.
Unless the dollar goes up 30%.
In that case we employ the call option 1:4, right?
I didn't understand any of this.
Don't you have something more traditional?
Of course we do, but it would take much longer.
The question is how much time do you have?
- Not much. - Exactly.
The gentleman asks for a loan.
- Yes. One million dollars. - Great. Businessman?
- You could say that. - Karolina Hirsch.
Artur Fiszer. My friend recommended you.
Now I can see why.
- What's the payment deadline? - Two years.
If you choose options and your company passes the test,
you'll get the money in two weeks.
- Two weeks? - Two weeks.
- Great. - Come in.
Prepare the papers.
There.
- Can I get you something to drink? - Tea?
I'll get you tea in a minute.
What? You failed?
- I've had such a great day. - Fucking great.
How about this one? Would she like it?
- You know she wanted a bunk bed. - Right.
Let's look for a bunk bed.
We're going to need one more bed.
- What bed? - A little bed.
Like this?
- No. - Yes.
No.
- Yes. - Seriously?
- Show me. - Are you happy?
Wait.
- Hello. - Karolina Hirsch, Polish Bank.
- Can I take a moment of your time? - What is it?
We have a problem. We can't give you the loan.
How so?
You gave me a guarantee.
Our analysts found out, that your 8 thousand salary is only recent.
You weren't that wealthy before.
We have to deny your application.
But I've already made a downpayment for the house.
We have a problem then.
There is one solution.
The franc loan would approve your rating for the whole amount.
Shh!
But I wanted a loan in zlotys.
I have to think about it.
I understand, but we can't wait.
I can cancel the whole thing and whenever you're ready...
Don't cancel anything.
I told you I'd lose my downpayment.
I understand and I'm doing whatever I can to help.
Are you there?
OK, prepare the franc loan then.
I can't talk right now. See you at the bank.
- That's how you do it. - Bingo.
- Is something wrong? - The bank needs more documents.
- Aren't you happy? - Her heart is bleeding.
Kasia, you'll get over it.
Folks.
We've sold 70% more, than we planned, last month.
The management has granted all of you a five thousand bonus.
It's hot in here.
You learn fast.
When will you tell her about us?
Anna?
Your wife.
Listen, don't you ever dictate terms to me, alright?
How many times will you carry me accross the threshold?
Everyday. I'll carry and hug you.
And make you laugh, when your mom calls.
It won't happen soon. She's mad again.
Promise me one thing.
No door chain?
You got it.
Bed testing.
So? Do we have a moment?
So it begins.
It'll be scorched earth.
The real tsunami is still ahead.
You knew that?
Answer. Answer. Answer.
- What's up? - Did you take the loan?
Check this out. My new crib.
We're not completely settled in yet.
But we'll manage.
We can walk around naked finally.
Did you take the loan in zlotys?
Well...
There were issues.
Did you take the loan in zlotys? Tell me.
- Francs, like everyone else. - Fuck.
Didn't I tell you to only take zlotys?
You did, but they wouldn't give me zlotys.
They told you they wouldn't.
That's how they catch their victims.
What the fuck are you talking about?
Not anymore. Check the rates.
Franc's rising like a motherfucker.
No one knows, when will it stop.
Please, go to the bank and negotiate a currency exchange.
Is that all you bought?
An insurance-investment policy. But the payout's guaranteed.
Fuck. Did you read the terms?
It's for twenty years.
Mati, fuck me. Did Artur take anything, too?
He took options.
Fuck!
I beg you, call him and tell him to evacuate right now.
Do it now, OK? Now!
Could you tell me, what this is about?
You won't get it. I don't get it either.
An earthquake, Saigon and shaving lambs.
All at once! I beg you, man. Listen to me.
Run, while you still can, and call Artur, got it?
Do it! Bye.
Fucking Hell!
Artur.
Let's take care of this and get out.
- Good morning, Miss Kasia. - Good morning, MrArtur.
- Can I? - Yes, please.
What can I do for you?
Do you know how much my debt is right now?
Four million dollars.
That's four times the amount you gave me.
And this...
This.
You've mailed me this.
- What is it? - Read it.
Don't you know, what you send out?
You expect additional collateral.
How am I going to get additional collateral?
Calm down. Let me check.
Is that an error?
- Good morning. - Yes?
I'm looking for Karolina Hirsch.
She's not in today.
Maybe I can help you?
Yes?
I'd like to exchange the currency of my loan.
To francs?
Francs to zlotys.
Are you sure?
The market is a little shaky right now.
I would really recommend not to.
I am sure.
Alright.
I'll need your ID. Let's check the terms.
It's not an error. Your current debt really is
4 001 708 dollars,
because the exchange rate went over the limit set in the contract.
- What limit? - 2.61 zlotys.
I didn't know anything about a limit.
Mr Artur, it is in your contract.
- Where? - Right here.
Page seven, paragraph 11, point 8.
But I'm not an expert at this. A bank should be trustworthy.
- Should it or shouldn't it? - Don't make me call security.
You're kidding me.
Excuse my behaviour. I'm sorry.
Maybe we could do this.
Let's cancel the contract. Let's make a new document
backdated to a month ago, when the dollar was still under the limit.
I'll give you back the money and get out of this mess.
I really can't help you.
Yes, you can.
Mr Artur, you're persuading me to commit a crime.
What am I supposed to do now?
What would you propose? There must be a way out.
- Yes, of course. - What is it?
You have to pay the debt.
This is the only way.
I'm sorry.
108 thousand?
- I'd lose 108 thousand? - At the current exchange rate.
That's before a 4% operation fee. You really should wait.
Franc will eventually settle down.
You would lose double then, wouldn't you?
You know what? Thank you.
The thieves fucked me over.
I'm fucked. I'm totally hopelessly fucked.
Fuck me.
No.
I'm going back to the office.
Hey, wait!
There must be a way.
Eat up or we'll be late.
Your juice, Julka.
Eat the sandwich. Don't put it down.
- Hello? - Good morning.
Andrzej Maciągowski, Polish Bank debt collection department.
Eat. Don't make me mad.
Our conversation is being recorded.
OK, I'll be right there.
Artur.
Mom?
It's on.
What a surprise.
You're neglecting us.
You don't call back.
You and your American pal
have made a mess.
You didn't tell us about him.
We could've avoided some of the fallout.
Do you think he could take this somewhere...
- ...Higher? - Where would he go?
I'll know, if he opens his mouth.
The industry gets rid of those, who shit in it.
We will let you use the Malta money.
You'll be the vice, or maybe even the first.
But not now. Someday.
You'll get some cases to work on.
You'll know in the right time.
Remember.
We make those, who shit in our industry,
disappear.
Say hello to your mother.
You can't break a contract just like that.
I've made the deadlines.
I've created your fucking database,
even though you've changed the terms a hundred fucking times.
What?
OK, I'll see you in court.
I can't believe this.
We're here. You're so brave. It will be over soon.
Good morning. Here's the nurse. Sit, honey.
Let's go. Calm down.
Just a little longer.
- Take care, honey. - You can't go further, sir.
You're the best. I love you.
- Hello, Artur. - Hey, man.
The bank took over the company without a court order.
They've blocked all accounts and took the computers.
I'm calling, because you have to give the car back tomorrow.
- What about my shares? - The company's gone.
We are no more.
What am I supposed to do now?
I don't know, man.
Pray or something.
It's a healthy boy.
- Can I see him? - Of course.
Through the glass. He will be back at the ward later.
Hey, pal.
You are so beautiful.
Fuck.
Ashes to ashes, dust to dust.
Can we talk?
I guess we should.
Would you explain, what this is all about?
What do you think? Money.
He took a loan with some options.
Made an unpayable debt and lost everything.
Are you in it too?
I've only lost a job.
But I'm paying back a loan.
I have a son, my second child.
We've always wanted a boy and a girl and now we do,
but I can't enjoy it, because I'm constantly lying.
But you're alive. And you have someone to live for.
Chin up.
Did you tell that to Artur too?
Chin up?
I know he asked you for help.
Now I am asking.
It was my company too.
I just want to get back, what they've taken from us.
Those fuckers killed our friend. What are we going to do about it?
Here's my email. Send me all the documents
Give me two days.
Thanks.
One hundred thousand bonus for a branch? Why?
I'll approve half of that.
You've been missing me?
No.
Not anymore.
Let me warn you.
Don't try to set her up at my expense. You'll fail.
I hope you remember all the things I know about you.
- Hello. - Hello.
The gentleman is from the bank.
- Good morning. - Julka, go to your room.
Good morning.
I'm Maciągowski. Here's my card.
- Couldn't we do this at the bank? - I'm sorry for the intrusion.
But you don't take our calls, don't reply to our emails.
- You didn't come to explain. - That's why you come to my home?
Would you prefer direct debt collection?
Without us trying to find an amicable solution?
I'm listening.
You have to pay for this and the previous month.
Here's a new payment schedule.
You have to pay regularly for the next six months,
or else we'll require larger collateral,
or we'll take over your property.
Take the property? What is he talking about?
What?
The loan is now 692 thousand zlotys.
It's all in the papers.
Please, sign that you've received the schedule.
OK, please, come.
Goodbye.
Thank you.
- Goodbye. - Goodbye.
Would you explain what just happened?
It's not my fault.
They told me I'm not eligible to a loan in zlotys.
I had to take francs.
Please.
Tell me it's not true.
I've got conned.
Why didn't you tell me?
I did it for us.
For us. Do you understand?
- I'll fix this, I promise. - How?
How? You don't even have a job!
I take commissions. I've got an interview tomorrow.
It'll be OK.
I trusted you.
Listen.
I'll take the policy money.
I'll pay off the debt.
It'll be OK, you'll see.
Do you know, what is the worst?
That I still believe you.
That's it. Thank you.
We have here...
You've invested 80 thousand into a mortgage policy.
I want to cancel it.
Of course. No problem. Let's do that.
What do you see there?
At the moment...
These funds are a little low.
It's because of the situation in the US.
I thought the initial investment was supposed to be secured?
Yes.
But not if you cancel.
Besides there's the cancellation fee.
Right now we can pay you out...
117.29 zlotys.
How much?
Oh, sorry. It's 30 pennies.
I can round it up to 30 pennies.
That makes 117.30 zlotys.
How much?
Would that be cash or a transfer?
Listen, joker.
I have to buy my kids presents, I don't have all day for you.
You'll call them in the morning and apologize for your behaviour.
I'll keep you here for 48 hours and then let you go.
Unless they'll go official.
But I think they won't bother.
Fuck them. I won't apologize.
Fucking thieves.
You're not making my job easier.
Listen, they got my brother-in-law too.
I'm very sorry. Can I make a call?
One call.
Calm down.
Get in, before I get a ticket.
Thanks.
They wanted to keep me for 48. What did you do?
You're lucky I was near.
- What's your plan? - Plan?
I've got no plan. I'm looking for work.
Four thousand a month still wouldn't cut it, though.
Here, you could use it.
That's great, but... I don't know, when I'll be able pay you back.
Didn't you say you had the company's shares?
- I did. - Don't you want to buy it back?
- How? - I'll help.
In exchange for 49% shares. Go and negotiate.
- With whom? - There's more in the envelope.
Adam Gorawski, your fucking bank's chairman.
There's an address.
Adam Gorawski?
You're here to see me?
I have a proposition you may be interested in.
You want me to sell it to you, just like this?
Now it's stagnant.
- But it could be earning a lot. - For whom?
For the bank and myself.
Alright.
I will sell it to you for one million euros and that's a bargain.
For five years you will give me half of the profits.
You don't deal with the books. I'll take care of that.
In case you tried to fuck me over,
you will sign a blank IOU.
You will get it back, when we are settled.
You're not cutting me any slack.
You're the one in trouble, not me.
Think this through.
He wants to screw you over for a million. He's slick.
- What do I do? Do I agree? - No.
We need another angle. Give me a few days.
Days? I'm about to be evicted.
A few days. We'll take care of it our way.
This is a fucking nightmare.
- Magda, Julka! - Did you call?
- What are you doing here? - Take this downstairs.
Where are you taking this?
Take it. Make yourself useful for once!
Mom, go downstairs. I'll be right there.
What's going on here?
- Aren't you ashamed? - Don't pry!
- What are you doing? - I'm not waiting to be evicted.
I'm not going to watch my daughter's toys being taken.
That's what you want for your children?
I love you. I will fix this.
I've heard that before. Don't touch me!
- I want my children to be safe. - But...
You lied to me again.
EVICTION NOTICE.
- Don't take it from me, please! - Here.
Hide it.
They will take everything.
Please!
How are you?
Shitty. What do you think
Where is he?
Late.
- Who is it anyway? - Fuck if I know.
- Hi. - Don't turn back.
- Do you have it? - What's it worth? Half a million?
Are you kidding? One hundred thousand.
One hundred discount, that leaves four hundred.
You still don't understand. You're still kidding.
One hundred for all of it.
Hundred and twenty and it's a deal.
Give us the alarm code then.
Are those the guys?
The recording?
Remember, you don't know me.
There's no other copy of this recording.
Say hello to Kosmos.
Who was that kid?
A brave one.
I know, what time it is.
Call off tomorrow's topic.
You don't need to know. Just take care of it!
Krystian?
Krystian took a nap.
Good evening.
I called to set up a meeting,
but I couldn't reach you, so we came.
And made ourselves comfortable. Whisky?
You're nuts.
You want to crush the market and blow the whole system up.
You'll end up in courts.
I will not clean up this shit.
- We have over an hour of this. - So what?
Polish Bank has taken over the company of Artur Fiszer.
The late Artur Fiszer. I'm a shareholder, I want it back.
The company's debt must be cleared.
And I will buy it back for 300 thousand zlotys.
Then you will float it on the stock exchange.
And I want my insurance- -investment policy money back.
The money that fucking evaporated.
Make the call. Mr Gorawski will listen to you.
OK, I will.
Now.
Call now.
Call.
I have two guests here, because of you.
They will visit you, make you an offer and you will accept.
Don't look for us, or I'll know.
Then we will visit you again, and you don't want that.
Good night.
Hello?
Listen and say nothing. We have a problem.
You need to clean the bank up.
Fire everyone, who was involved.
The press is onto us.
You should go somewhere for a while.
Take a break. Leave.
And don't call me.
What is it?
The complaints are piling up.
Against you, from clients, who feel
that you have intentionally misinformed them,
when explaining the loan terms.
Five... Four...
Three... Two... One...
You have blatantly breached the ethics of our trade
and you will be dismissed on disciplinary grounds,
effective immediately.
Without a severance payment.
The latest dramatic events
compel us to ask the institutions keeping guard over the rule of law
a loud and open question.
Is the financial supervision adequate and efficient enough?
We have appointed a committee.
Leading experts on economy will look into this case.
Go back to bed, honey.
Over 750 thousand Polish families have taken the Swiss franc loans.
Their total worth is 250 billion zlotys. Poland has lost 56 billion in options.
Over 30 thousand families have been evicted, because of these debts.
Multiple court sentences have confirmed fraudulent financial practices.
None of the directly responsible offer creators have been sentenced.