Summary of "12조 재벌회장은 노숙자처럼 변장해서 은행원인 예비며느리를 시험하러 은행으로 향하는데… 노후사연 | 오디오북 | 반전사연 | 감동사연"

Main plot

Choi Deok-man, a 65-year-old chairman of Daehan Construction Group, disapproves of his son Min-woo’s engagement to Han Ji-woo because she grew up in an orphanage. To test her character, he disguises himself as a shabby homeless man using an ID lent by a shelter resident (Park Seong-woo) and goes to the Yeouido branch of Kookmin Bank where Ji-woo works.
Over about a month, the disguised Deok-man (using the name “Park Seong-woo”) tries to open/save a tiny amount (8,000 won). Ji-woo treats him with dignity and warmth: she accepts the small deposit, carefully counts coins, gives him bread and milk, shows patience at a kiosk, shares lunch, offers gloves and hot-packs on a freezing day, and writes her phone number so he can call if he needs help.
Ji-woo also stands by banking principles: she refuses to prioritize a 5-billion-won VIP over serving a small, elderly customer. When a 5-million-won fee error occurs and Ji-woo is blamed, she calmly takes responsibility on behalf of the bank and resolves the situation without exposing herself.
Moved by Ji-woo’s consistent kindness and integrity, Deok-man reveals himself publicly. He forces the branch manager to admit his mistake, returns Park Seong-woo’s ID plus a large envelope (30 million won), offers Park a full-time security job at headquarters, and apologizes to Ji-woo. He blesses the marriage, healing his own long-held regret over abandoning his first love decades earlier.

The irony: a 12-trillion-won chairman begging with 8,000 won in a paper cup to test his future daughter-in-law.

Highlights and memorable moments

Ji-woo’s small acts of care that reveal character: cleaning coins, handing over bread and milk, giving gloves and hot-packs in winter, and sharing her lunch.
The moral stand when Ji-woo insists service should not depend on how much money a customer has—she refuses to rush off for the VIP and finishes helping the elderly man first.
The tense bank crisis: a missing 5-million-won fee, the branch manager trying to shift blame, and Ji-woo’s composed handling of the angry client—followed by Deok-man publicly exposing the truth.
Emotional payoff: Deok-man’s public apology and bow to Ji-woo, hiring the homeless man as a security guard, and reconciliation of Deok-man’s 40-year-old remorse about his first love.

Tone and reaction

The story is a classic tearjerker built on dramatic irony (the audience knows the chairman’s identity before Ji-woo does), contrasting small human kindnesses with corporate coldness, and delivering a satisfying reversal where money and status yield to integrity and empathy.

Key emotional beats: - Ji-woo sharing food and warmth on a cold day. - Ji-woo silently crying after the bank incident. - Deok-man’s public confession and apology. - The wedding reveal and warm family embrace.

Outcome / Moral

Ji-woo earns Deok-man’s respect and becomes accepted as the daughter-in-law; the homeless man is given a stable job and dignity; Deok-man heals past regrets. The film’s message: true value is character and heart, not birth or wealth.

Personalities (appearing in the video)

Choi Deok-man — Chairman of Daehan Construction Group (disguises himself)
Min-woo — Chairman’s son and Ji-woo’s fiancé
Han Ji-woo — Bank employee (Yeouido Kookmin Bank), the fiancé and moral center
Park Seong-woo (Park Sung-ho) — Homeless shelter resident who lends his ID; later hired as security
Branch manager (referred to as Representative Hanju / Park Ji-young in parts) — bank boss who tries to shift blame
Hope Homeless Shelter director and other bank employees/customers — supporting roles