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The Chiba Bank Investor Update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Update summary18 Dec, 2025
Digital transformation and AI strategy
Expanded digital division and established a Digital Strategy Division, growing digital personnel from 11 in 2019 to 76 in 2025, with new departments for AI, marketing, and operational reform.
Launched AI Solution Lab and renewed digital platforms, including the Chibagin App and corporate portal, to enhance customer engagement and operational efficiency.
Collaboration with EDGE Technology, now a subsidiary, accelerates in-house AI development and external sales, targeting ¥3.0 billion in synergies over five years.
Built a secure cloud-based AI development environment, enabling faster development and broader AI application, with intra-bank data accessible for AI projects from April 2026.
AI agents are being developed to automate end-to-end business processes, aiming for integration across CRM, ERP, and other systems.
Human resources and productivity initiatives
AI-driven tools support HR management, including evaluation, salary, promotion, and bonus decisions, improving feedback quality and fairness.
Personnel Transfer AI optimizes workforce allocation, reducing planning time and enhancing engagement.
Career Support AI enables employees to receive career counseling and scenario planning, leveraging intra-bank data for personalized development.
Sales Assistant AI, released in August 2025, provides role-playing, talk scripting, and research functions to enhance sales training and productivity.
Human resource strategy focuses on increasing personnel, early development, and maximizing abilities to address a declining producer population.
Future outlook and business model evolution
AI environment will be opened to other banks and companies, supporting alliance expansion and external sales of AI products.
AI agents will shift from being tools to "colleagues," counted as workforce to drive top-line growth, resource expansion, and cost optimization.
Advanced personalization and data-driven proposals aim to maximize customer satisfaction and revenue.
Ongoing layered training and recruitment of AI specialists, with a goal of 2,000 deep learning qualifications.
Operational improvements and new business models are expected through automation and AI integration across all business domains.
EDGE Tech synergy progress vs. FY3/26 plan
AI Agent strategy: Quantify expected impact
External AI product sales: Progress and pipeline
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Q3 20269 Feb, 2026
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Frequently asked questions
The Chiba Bank, Ltd. is a Japanese financial institution that provides a broad range of banking and financial services. Its offerings include retail and corporate banking, loans, deposit accounts, investment services, and asset management solutions. The bank caters to individual customers, small and medium-sized enterprises, and large corporations. The company is headquartered in Chiba, Japan, and its shares are listed on the Tokyo Stock Exchange (TSE).
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