Hey Cos.
>> Hey Miguel, no way?
>> How are you? No way, long Long time no see.
>> How are things man?
>> Good, good. How are you?
>> It's been a long time since I last talked to you.
Four years ago, right?
>> I know.
I moved to Munich now.
I'm a branch manager of the bank in Munich.
>> Nice.
>> Yeah. >> And how is it going?
Is it good, like do you have a lot of work, many hours, or not?
A lot.
Is it as sunny as here or not?
>> No, no, no.
Beer, but it is not sunny.
>> At least you have good beer, right?
>> Yeah beer, of course.
>> Nice, nice.
>> Business is busy.
Even today I have this application.
We have to review but the team is divided and
>> The application of what?
>> The application of credit line.
>> Of a credit line?
Okay. >> Yes, yes.
Nice.
This is what you are doing now.
Yeah exactly.
>> Like managing applications of credit lines.
>> Yeah. We have to review and
we have to make adjustment but then the team is divided, so I don't know.
>> And you have a team?
You have a team?
>> Yes. >> Of how many people?
>> Three people.
>> Okay. So
they are helping you out, making these decisions.
>> Exactly.
>> Nice. >> Exactly.
But they didn't come to a conclusion so I'm kind of confused what to do for now.
>> But wait, why are they, why didn't you get to a conclusion with this guy?
>> Because they have a different opinions towards reviewing the company.
>> Really?
>> Yeah. >> Wow.
But it's the same company, right?
>> It's the same company but.
>> Did you have the financial statements of the company?
Here? >> Yes, yes.
Here. I was just reviewing it.
>> Show me, show me, show me.
>> You've been teaching so maybe you could help us out?
>> Well the thing is actually I'm doing a Coursera course for ESA right now.
>> Uh-huh. About finance.
>> Really? >> So
if you have the financial statements here, what we can do is you come with me and
then we can make the decision much better because you have a team that
is a little divided right?
Come with me and I'll show you.
>> Please, please, please let's do that.
Now, as we just saw, in the bank that we went in,
the bank manager just asked us for some advice on what to do.
Because they cannot agree as you saw there,
they cannot agree on whether to give them the credit or not.
One of the guys was actually saying yes,
give the credit because the company is actually growing.
But then the other guy said no, the returns are low.