Economic Indicators and Efforts for Sustainability
Cross-Sectional Efforts Supporting Business Strategies _ BPR Strategy I
Added new function "Inheritance procedures" to AGENT app, a bank on your palm
Additional functions have been gradually released aiming to lower the load of administrative work both on
customer and the Bank sides and to provide unprecedented experiences
Effect of BPR at Bank Branches
(Amount of administrative work/Number of administrative staff)
[Administrative staff in charge of operations]
As of September 30,
2022
Minus 365
Administrative Staff
[Compared to
fiscal 2017]
AGENT Tab
AGENT APL
New Functions
Next
AGENT Tab
AGENT APL
[Inheritance procedures]
1,400
1,306
1,300
1,253
Amount of administrative work
Number of administrative staff
マイページ
AGENT
P
Upload required documents to the app
Reception by employees via video chat
Available from inheritance application to
procedure
1,200
1,142
1,100
1,026
1,000
965
941
Digitalized approx. 40% of
administrative works at bank
branches
900
Realized "a bank on your palm"
Possible to make inheritance procedures
from home, etc.
Patent
800
applied
800
700
600
Fiscal 2017
Fiscal 2018
Fiscal 2019 Fiscal 2020
Fiscal 2021
First half of
Fiscal 2022
Fiscal 2023
Plan
Fundamental review of workflow using the next bank branch system (scheduled)
Due to system renewal at bank branches scheduled in 2023, workload equivalent to approx. 156
administrative staff is expected to reduce
"New Centralized Operation System"
Reducing operations
at bank branches
Leveling load in peak
and off-peak periods
Expanding
headquarters-
centralized operations
Reducing
administrative work
related to ordering
<Development of BPR Measures>
Fiscal 2015 Medium-Term
Management Plan
Fiscal 2018 Medium-Term
Management Plan
"AGENT app," a bank on your palm
✓ Centralizing operations such as slips handled on the
day to the headquarters
✓ Paperless handling for deposit and withdrawal, and
remitting
✓ Downsizing number of branch terminals, targeting
cutting by half
Centralized storage of contracts and documents stored in the
headquarters
Electronic contracting and cooperative
execution for business loans
System renewal at bank branches
Loan support system renewal
2015
2018
[Administrative staff in charge of loans]
450
433
Amount of administrative work
Number of administrative staff
403
404
350
As of September 30,
2022
Minus 58
Administrative Staff
[Compared to
fiscal 2019]
375
350
AGENT app "Inheritance procedures"
Operations of the Loan-Related Administrative
Work Support Center covered all bank branches
■New online system for international affairs
250
2021
Introduced Branch Link at all bank branches
(remote management)
2023
Building taxes and government fees
collection system
Started trial operation of the Headquarters
Operation Support Center
Outsourced cash management business to Group
company (IBS)
Transition to digitization of prospectus
delivery
150
Fiscal 2019
Fiscal 2020
Fiscal 2021
First half of
Fiscal 2022
Fiscal 2023
Plan
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