Mizuho Bank Expands Deployment of Integrated AI Application 'Mizuho RM Studio', Reducing Preparation Time by 50% and Tripling Customer Interaction Opportunities

Mizuho Financial Group, Inc. (President & Group CEO: Masahiro Kihara) announced the full-scale deployment of 'Mizuho RM Studio', an integrated AI application developed to support the proposal activities of Relationship Managers (RMs) at its subsidiary, Mizuho Bank, Ltd. (President: Katsuhiko Kato).

'Mizuho RM Studio' connects customer understanding, proposal preparation, and post-meeting review through AI. By converting the tacit knowledge often held by individual RMs in corporate sales into reusable explicit knowledge, it transforms it into an 'organizational asset'. This aims to enhance proposal capabilities and foster the development of junior RMs. Furthermore, it is expected to reduce pre-meeting preparation time by approximately 50%, redirecting the saved time towards customer interactions. This initiative seeks to increase the opportunities for dialogue with corporate clients by approximately threefold while simultaneously improving the accuracy and depth of proposals.

The company aims to expand the use of 'Mizuho RM Studio' to all approximately 3,500 corporate RMs at Mizuho Bank by the end of fiscal year 2026.

■ Background

Since 2026, the trend of utilizing AI not just as a Q&A tool but as a 'coworking' partner, collaborating within the same space to create deliverables, has been expanding. Consequently, a crucial direction for future AI utilization is enabling AI to carry over information for each customer and case, leaving behind deliverables that humans can review and modify.

On the other hand, the corporate RM field has historically faced structural challenges where the quality of customer understanding and proposals tended to depend on the individual experience and skills of the担当者 (person in charge), making it difficult to accumulate and utilize expertise across the organization. As a result, the entire process, including pre- and post-proposal activities, had to be handled by each担当者, consuming significant time for proposal preparation. In this context, a review of this structure itself was required to continuously enhance the quality of customer interactions and proposals.

To address these challenges, Mizuho has developed the integrated AI application 'Mizuho RM Studio' as a system where AI collaborates throughout the entire business flow of corporate RMs.

■ Initiative Overview

'Mizuho RM Studio' is a business support application developed in-house to provide high-quality services to customers amidst changes in workforce due to a declining working-age population. AI agents automatically generate draft proposals and materials.

This application supports the sales activities of corporate RMs from two perspectives: 'Advancement of Sales Processes' and 'Organizational Asset Creation of Sales Expertise'.

Advancement of Sales Processes: Comprehensive Support from Customer Understanding to Proposals and Review

'Mizuho RM Studio' currently includes the following functions:

• External Information Gathering
• Customer Understanding Support
• Proposal Point Organization
• Automatic Proposal Material Creation
• Meeting Content Review

Specifically, based on internal customer overview documents, securities reports, mid-term management plans, activity records (meeting minutes), as well as contact history and case information accumulated in CRM, and product information handled by Mizuho, AI agents comprehensively organize each customer's business content, management issues, and industry trends, supporting the development of proposal points and narratives.

The automatic proposal material creation function, in particular, is being enhanced by incorporating external products. For slide creation, in addition to Mizuho's in-house developed 'Mizuho Slide Generator', the company has newly adopted 'Papapo Bucho', a proposal material automatic generation service provided by GenerativeX Inc. (Headquarters: Chiyoda-ku, Tokyo; Representative Director: Rei Araki).

• 'Mizuho Slide Generator': Visualizes and utilizes points and hypotheses organized within 'Mizuho RM Studio' for sharing and discussion.
• 'Papapo Bucho': Serves as one of the automatic proposal material generation engines within 'Mizuho RM Studio', automatically creating proposal materials, including complex graphics, as PowerPoint files compliant with Mizuho's templates.

This reduces pre-meeting preparation time by approximately 50% and, by redirecting the saved time to customer visits, expands opportunities for dialogue with customers by approximately threefold.

Organizational Asset Creation of Sales Expertise: Transforming Sales Knowledge and Proposal Examples into Reusable Forms

Previously, 'Mizuho RM Studio' was utilized as a Q&A-based AI focused on customer understanding and proposal preparation to support the proposal activities of corporate RMs.

Through continuous refinement driven by feedback from RMs in the field, accumulating 'patterns', it has evolved from merely supporting individual tasks to becoming a 'sales coworker' that continuously accompanies the entire sales activity, considering the context of each customer and case. AI and corporate RMs collaborate seamlessly from preparation before and after proposals to review, and by accumulating deliverables, the expertise of corporate RMs is converted into reusable organizational assets, enabling continuous progress on the next steps without starting from scratch. Collaboration with 'Mizuho RM Studio' allows corporate RMs to reduce proposal preparation time regardless of their years of experience, enabling them to focus on designing customer interactions and refining proposals, thereby improving the quality and depth of their proposals.

Mizuho plans to gradually expand the scope of 'Mizuho RM Studio' from the approximately 800 corporate RMs at Mizuho Bank to establish it as a platform usable by all approximately 3,500 corporate RMs at Mizuho Bank by the end of fiscal year 2026.

■ Mizuho's Future Initiatives

Going forward, Mizuho envisions 'Mizuho RM Studio' not just as a tool for improving the operational efficiency of corporate RMs, but as a partner that integrates with various tools such as CRM and internal approval systems. This will shift corporate RMs from the stage of 'calling and using AI when needed' to a new way of working: 'working together with AI'. An environment will be provided to all approximately 3,500 corporate RMs at Mizuho Bank where sales preparation and record-keeping proceed automatically without individual operation or instruction, such as automatic initiation of preliminary research linked to meeting schedules, extraction of customer needs from email history, and automatic updates to CRM after meetings.

Furthermore, by establishing a system to deliver the sales know-how of high-performing corporate RMs, which tends to remain tacit knowledge, as 'coworking' skills to other corporate RMs, Mizuho aims to promote the sharing and formalization of expertise and methodologies in sales activities, realizing proposal activities that are less dependent on individual RM experience.

In addition, Mizuho will further enhance context design for optimal handling of case-specific contexts and the collaboration of AI with different roles. It will also integrate with Mizuho's proprietary financial-specific LLM (Mizuho LLM), announced recently, to improve the response quality and immediacy for highly specialized inquiries and proposal preparation.

Mizuho will build a system to accumulate, share, and evolve sales expertise as a foundation for advancing corporate sales with 'Mizuho RM Studio', continuously evolving proposals and consultations for each individual client.

■ About Mizuho Financial Group, Inc.

Mizuho Financial Group, Inc., with its purpose of 'Growing together, Flourishing together', aims to realize a sustainable society through value creation that transcends the boundaries of finance.

By integrating its group companies, including banking, trust, and securities, it provides comprehensive financial services to a wide range of corporate, individual, and global clients. Focusing on areas such as digital and sustainability, it pioneers new futures together with its clients while adapting to societal and economic changes.

■ Company Name: Mizuho Financial Group, Inc.

■ Representative: Masahiro Kihara, President & Group CEO

■ Head Office Location: 1-5-5 Otemachi, Chiyoda-ku, Tokyo 100-8176 (Otemachi Tower)