Building and Strengthening a Resilient Business Foundation
First written in FY2017. 5 of 9 entries say "Advanced", first in FY2020. Latest entry: FY2026.
67 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「The Bank newly established the DX and Work Reform Promotion Office as the department responsible for overseeing initiatives to fundamentally reform operations and improve productivity through digitalization. It reviewed internal business processes from the perspectives of elimination, reduction and transformation, and worked to rebuild head-office operations, strengthen the system for processing centralized head-office work, and improve the efficiency of branch operations. It also introduced the generative AI system "YCB－AsIst" to improve operations using rapidly advancing digital technologies, including generative AI.」
Productivity improvement initiatives progressed to the establishment of a dedicated department, the elimination, reduction and transformation of business processes, and the introduction of a generative AI system. - 2026-05-22First statedGeneral Meetings of Shareholders
「We introduced the generative AI system “YCB−AsIst” to improve operations using rapidly advancing generative AI and other digital technologies.」
The introduction of a generative AI system and consideration of its application to operations were newly disclosed. - FY2025AdvancedAnnual report
「The Bank implemented various initiatives based on the three priorities of simplification, centralization and systemization, achieving higher productivity. It strategically redeployed the human resources created through these initiatives while considering reskilling.」
The elimination of administrative work at branches was given concrete form through teller-only tablets, centralization of back-office work at headquarters, the installation of semi-self-service terminals at all branches, and a web-based account transfer request service. - FY2023AdvancedAnnual report
「The Bank pursued a dramatic improvement in productivity and the creation of human resources by eliminating administrative work at branches, with simplification, centralization and systemization as the three pillars. For centralization, the Operations Centralization Department was reorganized as the Business Support Department and positioned as a broader, more agile back office including lending operations, while the transfer of branch administrative work was advanced.」
The initiative to eliminate administrative work was given concrete form through departmental reorganization, the transfer of administrative work including lending operations, and the introduction of semi-self-service terminals. - FY2022AdvancedAnnual report
「The Bank will seek to reduce expenses by working to eliminate administrative work at branches and headquarters, improve customer convenience and reallocate management resources.」
The Bank explicitly identified the elimination of administrative work at branches and headquarters, the reallocation of management resources and expense reductions as new productivity improvement measures. - FY2020AdvancedAnnual report
「In response to changing customer needs, the Bank will further advance branch reform, business innovation and the use of digital technologies, and actively implement various measures to create points of contact with customers.」
The Bank set out a policy of further advancing branch reform, business innovation and the use of digital technologies, and also referred to productivity improvements and expense reductions through BPI. - FY2019RaisedAnnual report
「The Bank will significantly improve productivity by using the latest digital technologies and fundamentally reviewing its business processes.」
In addition to the previous optimization of branches, personnel, systems and costs, the Bank explicitly set out productivity improvements through the use of the latest digital technologies and a fundamental review of business processes. - FY2018RestatedAnnual report
「The Bank will build a highly profitable management structure by optimizing the allocation of management resources, including the optimal placement of branches and personnel, strengthening its systems operating structure and optimizing costs. By making effective use of IT, it will enhance non-face-to-face channels, achieve consistent sales across all channels and expand its earnings base.」
Strengthening the management structure through the optimization of branches, personnel, systems and costs and the enhancement of non-face-to-face channels continues to be a stated priority. - FY2017First statedAnnual report
「The Bank will build a highly profitable management structure by optimizing the allocation of management resources, including the optimal placement of branches and personnel, strengthening its systems operating structure and optimizing costs. By making effective use of IT, it will enhance non-face-to-face channels, achieve consistent sales across all channels and expand its earnings base.」
The Bank will strengthen its management structure by combining the optimization of branches, personnel, systems and costs with enhancement of non-face-to-face channels, business reviews, and stronger risk management and compliance.