Ryoko and her friends form Otogi Bank: a social club specializing in resolving problems for classmates via aggressive transactions; the wallflower Ryoshi is smitten with Ryoko - despite rejection - and must prove his worth to the rest of the troop.

Ryoko gets a request while the rest of Otogi Bank is out shopping; when gangsters from a rival high school ambush her, Ryoshi gathers the guts to show he's no chump in the face of danger.

Otohime plans to settle the score with a long-time rival by beating her in the Miss Otogi Academy beauty pageant; at her request, the Otogi Bank unleashes on the competition to help her win at all costs.

In Japanese folklore, oni are evil creatures such as demons, ogres, and trolls; when the oni at Onigashima High get unruly, Momo hires Otogi Bank to address the issue with the student council president.

On a hunt for answers to a burning question about Ryoko's past, Ryoshi learns he must gain her trust and ask her himself; Ringo recalls how she and Ryoko met, and the conflict that sparked Ryoko's ravenous need for strength.