# Mitsubishi UFJ Financial Group, Inc.: Responsible AI

Source: https://www.bankingnewsai.com/banks/mufg/responsible-ai
Last updated: Oct 16, 2026

*Part of the [Mitsubishi UFJ Financial Group, Inc. AI strategy profile](https://www.bankingnewsai.com/banks/mufg).*

## How does MUFG govern AI responsibly?

MUFG governs AI under the MUFG AI Policy announced on March 18, 2025, which sets nine principles: human-centric, reliability and safety, fairness, privacy, intellectual property, information security, transparency, accountability and AI literacy. Its 2026 annual report on Form 20-F says MUFG has a controls framework for appropriate, reliable and secure AI use but that it may not fully mitigate risks such as biased outputs, data leakage and growing reliance on a limited number of third-party vendors, clouds or models. In practice, MUFG Bank made e-learning mandatory before staff received ChatGPT Enterprise accounts, reaching 100% participation, anonymizes personal and confidential data with Private AI before unstructured data reaches its OCEAN platform, and describes its credit and relationship-manager agents as supporting people who keep the decision. Its home supervisor sets the frame: the FSA's AI Discussion Paper (Japanese March 4, 2025; English April 10) warns of a 'risk of inaction' while flagging generative-AI risks, and on May 22, 2026 the FSA and the Bank of Japan asked financial institutions to take short-term measures, under top management, against threats posed by frontier AI. The Japan Times reports MUFG Bank among the megabanks given access to Claude Mythos for vulnerability finding. ([Mitsubishi UFJ Financial Group, Inc.](https://www.mufg.jp/dam/pressrelease/2025/pdf/news-20250318-001_en.pdf), [Mitsubishi UFJ Financial Group, Inc. (SEC Form 20-F)](https://www.sec.gov/Archives/edgar/data/67088/000162828026047095/mufg-20260331.htm), [OpenAI](https://openai.com/index/mufg), [Private AI via PR Newswire](https://prnewswire.com/news-releases/mufj-bank-adopts-private-ai-302655290.html), [Mitsubishi UFJ Financial Group, Inc.](https://www.mufg.jp/dam/ir/presentation/2026/pdf/speech260901_en.pdf), [Financial Services Agency of Japan](https://www.fsa.go.jp/en/news/2025/20250304/aidp.html), [Financial Services Agency of Japan and Bank of Japan](https://www.fsa.go.jp/en/news/2026/20260615/260615.html), [The Japan Times](https://japantimes.co.jp/business/2026/06/03/tech/japan-anthropic-mythos))

## What policies and controls govern AI at MUFG?

| Item | What it says or does | Date | Sources |
| --- | --- | --- | --- |
| MUFG AI Policy | Nine principles: human-centric, reliability and safety, fairness, privacy, intellectual property, information security, transparency, accountability, AI literacy | March 18, 2025 | [Mitsubishi UFJ Financial Group, Inc.](https://www.mufg.jp/dam/pressrelease/2025/pdf/news-20250318-001_en.pdf) |
| 20-F AI risk factor | A controls framework for appropriate, reliable and secure AI may not fully mitigate risks including biased outputs, data leakage and reliance on a limited number of vendors, clouds or models; AI-related rules may evolve differently across jurisdictions | July 6, 2026 | [Mitsubishi UFJ Financial Group, Inc. (SEC Form 20-F)](https://www.sec.gov/Archives/edgar/data/67088/000162828026047095/mufg-20260331.htm) |
| Mandatory AI training | E-learning required before ChatGPT Enterprise access; 100% participation; AI champions in each department | July 7, 2026 | [OpenAI](https://openai.com/index/mufg) |
| Data anonymization | Private AI detects and anonymizes personal and confidential data in emails, call logs, PDFs and chats, on premises, before it feeds generative AI on the OCEAN platform | January 7, 2026 | [Private AI via PR Newswire](https://prnewswire.com/news-releases/mufj-bank-adopts-private-ai-302655290.html) |
| Human decision-makers in credit | AI credit experts help draft approval documents; a pilot used more than 1,400 evaluations and comments from experienced staff | August 24, 2026 | [Mitsubishi UFJ Financial Group, Inc.](https://www.mufg.jp/dam/ir/report/annual_report/pdf/ir2026_all_en.pdf) |
| Grounded agents | AI Flowchart grounds the model in an ontology and knowledge graph so it does not invent steps; experts still make standardization decisions (according to AWS) | October 8, 2026 | [Amazon Web Services (AWS Database Blog)](https://aws.amazon.com/blogs/database/how-mufg-bank-aims-to-cut-flowchart-work-by-up-to-90-with-ontology-grounded-ai-on-amazon-neptune-and-amazon-bedrock) |
| Cybersecurity line of command | The Group CIO runs the cybersecurity risk management program; the Group CISO reports to the Group CIO and to the Group CRO on IT security risk | July 6, 2026 | [Mitsubishi UFJ Financial Group, Inc. (SEC Form 20-F)](https://www.sec.gov/Archives/edgar/data/67088/000162828026047095/mufg-20260331.htm) |

## What does Japan's Financial Services Agency expect of MUFG on AI?

| Item | What it says | Date | Sources |
| --- | --- | --- | --- |
| FSA AI Discussion Paper | 'Preliminary Discussion Points for Promoting the Sound Utilization of AI in the Financial Sector': encourages AI use, citing the 'risk of inaction', while noting generative-AI risks such as misuse for crime and misinformation | March 4, 2025 (English April 10, 2025) | [Financial Services Agency of Japan](https://www.fsa.go.jp/en/news/2025/20250304/aidp.html) |
| Frontier-AI request | FSA and Bank of Japan ask financial institutions to take 'Short-Term Measures ... in Response to Changes in Threat Posed by Frontier AI' | May 22, 2026 (English June 15) | [Financial Services Agency of Japan and Bank of Japan](https://www.fsa.go.jp/en/news/2026/20260615/260615.html) |
| Top-management involvement | The request urged countermeasures 'under the direct involvement of top management' and prioritization if frontier AI uncovers many vulnerabilities | June 3, 2026 (as reported) | [The Japan Times](https://japantimes.co.jp/business/2026/06/03/tech/japan-anthropic-mythos) |
| Minister on Mythos access | Japan given access to Claude Mythos Preview; participants in Glasswing were 'mainly the three megabanks', which described the threat as imminent | June 2, 2026 | [Financial Services Agency of Japan](https://www.fsa.go.jp/en/conference/minister/2026/20260602.html) |

## What has MUFG not disclosed about AI governance?

MUFG has not published how the AI Policy is enforced, which committee approves high-risk AI uses, or any testing or incident results; the 20-F describes the controls framework only in general terms. ([Mitsubishi UFJ Financial Group, Inc.](https://www.mufg.jp/dam/pressrelease/2025/pdf/news-20250318-001_en.pdf), [Mitsubishi UFJ Financial Group, Inc. (SEC Form 20-F)](https://www.sec.gov/Archives/edgar/data/67088/000162828026047095/mufg-20260331.htm))

On frontier models, MUFG declined to comment on reported Mythos access, so how it uses Mythos or a restricted OpenAI model for cyber defense is not on the record. ([The Japan Times](https://japantimes.co.jp/business/2026/05/14/companies/japan-megabanks-mythos-access), [Reuters](https://reuters.com/world/asia-pacific/japans-major-lenders-use-openais-new-model-thwart-cyberattacks-nikkei-reports-2026-05-28))

## What does the MUFG profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Jul 6, 2026 | Annual report on Form 20-F: AI risk factor | The 20-F for the year ended 31 March 2026 reports total assets of ¥425.58 trillion, describes the MUFG AI Policy, notes that outsourcing expenses rose 22.0% partly on AI, and adds a risk factor on AI use by MUFG and others. | [Mitsubishi UFJ Financial Group, Inc. (SEC Form 20-F)](https://www.sec.gov/Archives/edgar/data/67088/000162828026047095/mufg-20260331.htm) |
| May 13, 2026 | Reported access to Claude Mythos and an OpenAI cyber-defence model | Nikkei Asia reports MUFG, Mizuho and SMFG are set to gain access to Anthropic's Claude Mythos from as soon as the end of May; Reuters, citing a source, says about two weeks, and that MUFG declined to comment. On 28 May Reuters, relaying Nikkei, reports the three banks are also expected to get a restricted OpenAI model for defence against cyberattacks. | [Nikkei Asia](https://asia.nikkei.com/business/finance/japan-megabanks-to-gain-access-to-anthropic-s-powerful-ai-model-mythos), [Reuters](https://reuters.com/technology/japan-megabanks-gain-access-anthropics-mythos-about-two-weeks-source-says-2026-05-13), [Reuters](https://reuters.com/world/asia-pacific/japans-major-lenders-use-openais-new-model-thwart-cyberattacks-nikkei-reports-2026-05-28) |
| Jan 7, 2026 | Private AI anonymisation for the OCEAN data platform | MUFG Bank adopts Private AI software to detect and anonymise personal and confidential information in emails, call-centre logs, PDFs and chat logs before they enter its OCEAN big data platform, so generative and operational AI can use unstructured data; testing on simulated business files preceded adoption. | [Private AI via PR Newswire](https://prnewswire.com/news-releases/mufj-bank-adopts-private-ai-302655290.html) |
| Mar 18, 2025 | MUFG AI Policy announced | A nine-principle policy: human-centric, reliability and safety, fairness, privacy, intellectual property, information security, transparency, accountability and AI literacy. | [Mitsubishi UFJ Financial Group, Inc.](https://www.mufg.jp/dam/pressrelease/2025/pdf/news-20250318-001_en.pdf) |

## Common questions

### Does MUFG have an AI policy?

Yes. The MUFG AI Policy, announced on March 18, 2025, sets nine principles: human-centric, reliability and safety, fairness, privacy, intellectual property, information security, transparency, accountability and AI literacy. The 2026 Form 20-F adds that MUFG has a controls framework for appropriate, reliable and secure AI use that may not fully mitigate the risks.

### What AI risks does MUFG report to the SEC?

Its annual report on Form 20-F, filed July 6, 2026, says AI controls may not fully mitigate risks such as biased outputs and data leakage, that it relies increasingly on a limited number of third-party vendors, clouds or models, that AI-enabled cyber threats are rising, and that AI rules may evolve differently across jurisdictions.

### How does MUFG protect customer data when using generative AI?

MUFG Bank uses Private AI software, on premises, to detect and anonymize personal and confidential information in emails, call-center logs, PDFs and chats before that data reaches the OCEAN big data platform used for generative and operational AI.

### What has Japan's FSA asked banks to do about frontier AI?

On May 22, 2026 the FSA and the Bank of Japan asked financial institutions to take short-term measures against threats posed by frontier AI, with top management directly involved and vulnerabilities prioritized. The finance minister said on June 2 that Japan had been given access to Claude Mythos Preview and that the three megabanks were the main participants.

### Are humans kept in the loop in MUFG's AI?

That is how MUFG describes it. Its AI credit experts help draft credit approval documents for staff who decide, the relationship-manager agents described at the 2026 Investors Day support bankers before, during and after meetings, and AWS says experts still make the decisions in the AI Flowchart standardization tool.
## Deeper on MUFG

- [What is MUFG's AI strategy?](https://www.bankingnewsai.com/banks/mufg/ai-strategy)
- [What AI partnerships, investments and patents does MUFG have?](https://www.bankingnewsai.com/banks/mufg/ai-research-patents-partnerships)
- [How does MUFG use AI in credit decisions and against fraud?](https://www.bankingnewsai.com/banks/mufg/fraud-and-credit-ai)


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