Overall Digital Strategy

And
RPA Initiatives
(Robotic Process Automation)

Sumitomo Mitsui Trust Bank, Limited

Digital Transformation Department

Copyright (c) 2019 Sumitomo Mitsui Trust Bank, Limited. All rights reserved. 1
Promoting Digital Strategy: Overview

Steadily progressing in Cost Reduction and Productivity Improvement in Existing Business Areas
Creating added value by evolving the “total solution model” that is unique to a trust bank

To reform existing business Building an externally open a trust platform

through the use of digital technology
Data analysis and improvement of customer experience
Real estate business field : Creating new business
・ Numerical analysis AI (forecast analysis) concept (demonstration) utilizing block chain
・ Language Analysis AI (Automatic conversation
Inheritance business field : Making a new platform
program)
concept (demonstration)
・ Customer Experience Enhancement Tools

Customers' value creation

Improving trust-specific complex operations, Business creation by leveraging our expertise

steadily reducing costs and raising efficiency

RPA, AI-OCR Leveraging the know-how and skills we have built up

over many years to create new businesses through
・ RPA: Reduction of operation work equivalent to collaboration with venture companies and FinTech
0.5 million hours (2018~2020FY) companies
Promoting Digital Strategy: Examples of Specific Initiatives
To provide customer-oriented consultation through AI based on changes in customer needs
Improving the transparency of real estate information sharing and the current brokerage condition
through blockchain
100-year life consulting using AI Utilization of blockchain in real estate business
・Establishing a platform for digitally sharing real estate-related
An automated predictive analysis AI based on data analysis information (*) with business partners
strengthen customer-oriented, more accurate proposals
・To become conducive to revitalization of the market (under
(Sales of investment trusts and insurance products has already started)
demonstration experiments)
(*) The majority are paper and unstructured data

Reflecting changes in customer needs into consulting

Real estate
Purchaser Lender
Owner

Customer
Real estate platforms (block chains)
Consulting services Database Property Management Other
Structured data of information information information
Customer-oriented investment trusts, Basic property Repair history
consulting business insurances, real estate, etc. information Accounting and tax
Neighborhood
variety of transaction data Contract-related management Rent
information Operation of the Tenant
Stakeholders property Performance
Tenants, etc. Status, etc. Etc.
Prediction Analy
Model sis
Began in Property Recording
IoT
FY2019 Management
Disclosure Manufacturer
company
 What is RPA?
RPA (Robotic Process Automation) is a new system to automate operations using
software robots. It enables the simple work that a PIC do to replace to the robot PC
Pattern 1: Input Work Pattern 2: Collating Works

File File File

File
Data Systems Data
Data Judgm Result
Collecti Checki
Enter ent Enter
on ng
Systems Systems
○ Or×
Data linkage between File
systems Data matching between files
Systems
Entry of various and between files and business
WEB information WEB Systems systems

Pattern 3: Receive/Send Mail Pattern 4: Reporting Works

Trans
Inform Text
missi
ation entry
File on File

Attac Data
Aggre Form
hment collect
gation at
ion File
Folders Systems

Openin Downl Reporting work

g mail oading
Mail Folders WEB

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 Background of the RPA expansion
The reason for the spread of RPA is the dramatic technological progress that enables it to be
realized.
Specifically, there has been significant progress in technology of the "eyes" and "hands"
that they use when working on computers, as well as “brain” to understand the work flow
and learn the work process. As a result, robots have become able to replace people's activity.
Technology of "eyes"
Structural analysis
technology
Image analysis Technologies of "brain"
technology
Rules engine
OCR technology
Workflow

Technologies of "hands"
Mouse motion mimicking

keyboard operation
mimicking
Library of APP
operations

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Demonstration
・ This is an example of an operation to acquire data from a system, organize necessary data, and
re-register it to another system.

Play start
Click!

The end of demonstration

 -Our bank Case study-

Effects of Introduction Example

Result of the introduction of RPA

(1) Increase in operational efficiency

[Before introduction]: 7 minutes/transaction, 2 thousand contracts / month = 233
Hours/month, 2.8 thousand / year
[After introduction]: 80% of the involved work time was cut. Monthly 50Hours /year,
600Hours (▲2.2 thousand hours)
(2) Restrain system investment
 In this case, inventing the system was initially considered (the initial estimate for the
RPA was 30M/10 months).
→ The investment is stopped by replacement to RPA . And, the lead time took only 3
months.
 By incorporating RPA into the system investment plan, the entire scale can be
downsized and lead time to set up can be shortened.

(3) Expandability into similar businesses (for more heightening benefits)

 “Entrusted operation business from Real Estate Investment Corporation” is almost
the same as this case (1.5 thousand transactions / month).
 It also enables to reuse developed robots into other similar business and to achieve
horizontal development in a short period of time.
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 What changes will RPA make?
The business structure changes.
Working hour Effect

Overtime Cost reduction

Overtime
reduction

Source of
High value- Differentiation and
added competitiveness
operations
This time is important!
BPR RPA

Conventional
procedures Conventional
procedures
Conventional Efficiencies
Digital procedures
Labor
Realizing labor-
saving work

As-Is To-Be

This enables us to shift our forces to high-value-added fields.

Copyright (c) 2019 Sumitomo Mitsui Trust Bank, Limited. All rights reserved.
 Current situation of SMTB RPA
As of the end of May, the company had introduced 70 operations and 160 robots, and
the automation decreased 103 thousand hours in operation.
(Number of Bar Charts) Number of RPA releases (monthly) (Line Chart :Time)

20 90,000
18 1st Half FY2018 2nd Half FY2018 80,000
16 70,000
Creation time
14
Number of businesses 60,000
12 Number of robots 50,000
10
40,000
8
30,000
6
4 20,000

2 10,000

0 0

Copyright (c) 2019 Sumitomo Mitsui Trust Bank, Limited. All rights reserved.
 Attention

・ This material has been prepared for the purpose of providing information, not for the purpose of
solicitation.

・ The data contained in this document are based on information that we believe to be reliable, but we do not
guarantee the accuracy or certainty of such information.

・ This material has been prepared based on information available at the date of preparation, and the content
of this material is subject to change due to future changes in the financial and social conditions.

・ The content of this material is a description of the current general conditions, and may not be able to
address them in practice or may be subject to change. Please check beforehand.

Copyright (c) 2019 Sumitomo Mitsui Trust Bank, Limited. All rights reserved.
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